23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

In accordance to FCRA Section 609, these accounts was further disputed in XX/XX/2017. XXXX did not respond to initial dispute within 30 days as allowed by the FCRA. They have continued to report inaccurate information and these XXXX accounts to XXXX credit bureaus. In accordance, they are bound by FCRA to remove alleged debt from that is being reported. It is now XX/XX/2017 and past 60 days when these accounts were initially disputed. XXXX XXXX has continued to attempt to collect debt that they know is not valid and not able to be verified. Multiple disputes in regards to this issue have been filed over this, including a previous dispute with CFPB. In addition, XXXX XXXX, Equifax, XXXX and XXXX received certified letters requesting validation on this inaccurate report. They have blatantly broken the law as they relate to FDCPA and FCRA guidelines. On more than one occasion, I have tried to resolve this issue with them but they are refusing to follow the law in regards to this issue. The accounts need to be removed. They also stated that documentation was mailed to me which is false. Nothing since they placed these accounts on my reports has been mailed to me. The second issue is that it had been has been proven that the accounts are not valid, no information was provided to verify this account. They state that they are about professionalism but it is obvious that they are not. They have been deceitful, dishonest, and unprofessional in the manner that they have handled this issue from day one. I feel that the only course of action is to file a civil suit which my attorneys have drafted up and will present with my signed petition on XX/XX/2017. I am tired of dealing with this company and this issue. I will also be filing a complaint with the Attorney General as it is within my rights. They have made this process long and hard. I have also provided proof that they received the letters which was sent certified mail over 3 times to the credit reporting agencies and XXXX XXXX. Also they could not verify definitively that the accounts are mine and that they belonged on my credit. If they were sure they belonged to me, why is it so difficult for them to provide proof that this account is mine, I would like documentation with my signature, and receipts. This is what I mean by dishonest and unprofesisonal business ethics and practices. They have cost me money in this process of disputing with them and this is getting out of hand. They stated that they have a right to collect but they indeed DO NOT by rights and provisions provided to consumers under FDCPA and FCRA. This harassment and blatant disregard for the law is what is have me want to seek damages from XXXX XXXX with filing legal suit against them.
Product: Payday loan, title loan, personal loan, or advance loan

I bought a XXXX XXXX from the XXXX XXXX XXXX but they use Acima Leasing to use as a finance Commpany to pay installments, but once I started payments i relize they were going to be to high so I call Acima to ask if I return the merchandise could I get a refund they said yes it would take XXXX to process it has been that long the purchase was on XX/XX/2024 from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, so Acima told me if I dont receive the refund in XXXX days to reach out to them and they would be sure I get my {$980.00} refund still no refund this is XXXX I ahve the receipt where I ship it back to them by XXXX XXXX.
Product: Credit card or prepaid card

Citi Bank XXXX Mastercard was opened as a no interest balance transfer for 18 months. We never used the card. The cards were never activated. 

XX/XX/2019- We missed a payment by accident due to a death in the family, bill was paid immediately upon being notified. Got irate with Citibank as they called our house harassing us multiple times in one day. 

XX/XX/2019- Paid off the balance of {$5200.00} in full from my own banks ( XXXX ) bill payment system. I never received another statement or any notification after this payment! 

XX/XX/2019- Received a letter from them stating they would no longer contact us for collections via phone. 

XX/XX/2019 - Received an email that my account was past due and now at a balance of {$140.00} I created log in information on their website to find out what balance they were referring to. I then contacted them regarding the {$140.00} and spoke with 4 separate people who I had to re-tell the story to each time. I offered to pay the original residual interest from the XX/XX/2019 statement of {$67.00}. They only offered to remove {$39.00} and refused to help any further. They stated that I signed up for e-statements, which I did not. They argued that the only way for me to receive e-statements was for me to go online and do so myself, which I did not. As of today, XX/XX/2019, I made a payment for the original residual interest of {$67.00} and feel the remaining {$80.00} in late fees and interest should be their problem as I was never notified of statements due XX/XX/19, XX/XX/19, and only notified now regarding bill due XX/XX/19 via email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask all three credit bureaus XXXX/Equifax/XXXXn to remove the following accounts/inquiries due to identity theft. 
Accounts 1. XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX  XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX 8XXXX XXXX XXXX XXXX 1. XXXX XXXXl 2. XXXX XXXX. XXXX  4. XXXXt 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX 8. XXXX 9. XXXX 10. XXXX XXXX 11. XXXX XXXX I have written multiple letters/ftc reports demand proof that accounts/inquiries were authorized by me. But so far, the three credit bureaus have not sent me proof of authorization of credit of my behalf but merely state that account have been verified without showing proof. I demand these fraud accounts be removed from all three credit bureaus reports of mine due identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Elan Financial, I just discovered even after disputing with the credit bureaus, there is still an account from your company being reported improperly. I am not sure of the origin of the account. This is why I would like validation of the debt to verify their accuracy. I need to examine the billing statements that show how the balances accumulated and the original signed contracts or applications giving the original creditor permission to bill me. I have been the victim of identity theft in the past.. At this point I am not alleging it is a fraudulent account, however ; it is a possibility. I need to look through these documents to determine if the account or charges to the account were the result of unauthorized use.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 complaints. Today I received an updated copy of my Experian and XXXX  credit reporting. XXXX XXXX XXXX XXXX had agreed XXXX to remove the delinquent information off my credit reports. It did delete off XXXX  however it is still reporting and updated on my Experian credit report. It is showing {$6600.00} charge off loan. The bank had agreed to remove it. My next issue is XXXX  XXXX XXXX is also still reporting. This account was opened in XXXX and I was told by legal counsel that after 7 years the statue of limitations is in effect. I was also advised it is from the date of first reporting which was XXXX we are in XXXX this information is outdated and should not be appearing. For some reason they ( XXXX  XXXX XXXX ) keeps updating for other years which causes this fraud account to keep reappearing
Product: Credit reporting or other personal consumer reports

I have been out the country for 15 years and got lots of credit cards on my name
Product: Credit reporting or other personal consumer reports

There is an account on my credit report but I don't have a XXXX account. I contacted Equifax and they claimed that XXXX conformed it was my account but when I call them they have no record of an account with my SSN.
Product: Debt collection

Experian is allowing two XXXX XXXX XXXX accounts to report every single month and it's not legally accurate.
Product: Student loan

In XXXX and XXXX I was unable to pay my student loan, and place it in forbearance on three separate occasions. I was told by phone operators at Mohela that I could continue my forbearance for a specified amount of time. As I recall, this was 18 months. I was also told the forbearance lasts 90 days, then I had an additional 90 days to place the account back into forbearance before it would default. I place my account in forbearance in the spring of XXXX. I then waited the six months I was told would be the limit, and placed the account into forbearance again. I was told at that time by the phone operator this was perfectly fine, and my account was up to date. I did this a third time in XXXX, and it was only on the third time that I was told the previous operators had given me incorrect information. What they neglected to tell me is the accounts were reported as late to the credit bureau after 90 days, and that I was accumulating 90 day and 120 day delinquencies on my credit report - even though no payments were ever made or needed to be made, and the account was allowed to be in forbearance. I explained this to Mohela, and have disputed these reports on several occasions, and Mohela refuses to acknowledge I was acting on bad information given to me by them and their phone operators. No payments would ever have been due. The only thing I was late with was making a phone call, which I was clearly told I had to do within 6 months to avoid default. Had they told me I only had 3 months to avoid dramatically damaging my credit, I would have called in 90 days instead of 6 months. Again, no payments were due, so I had no reason to not call in, other than I was given bad information by Mohela. They have continued to refuse to acknowledge they had any part in this miscommunication.
Product: Credit reporting or other personal consumer reports

I recently submitted a dispute for the collection agency `XXXX XXXX XXXX XXXX '' I didn't realize that they are on my XXXX as the name above, but on my Equifax the agency is called " XXXX XXXX '', with the orginal creditor " OWNLEASE '' and a balance of {$1800.00}. This account is not my account. I have never heard of, established any business, or had any communication with the orginal creditor I have disputed this in the past and it is back on my report after being proven to be fraudulent. This violates my rights under the FDCPA. I have attached proof that the above account shows a different name on my transunion report vs my equifax. I have also attached a screenshot of this account being removed from my transunion as they have cooperated.
Product: Debt collection

Please be advised that this is my THIRD WRITTEN REQUEST as I have sent certified letters asking UNITED REVENUE CORP to remove the unverified accounts listed below that remain on my credit .report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report.

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold. Accounts are as followed : Collection account  from UNITED REVENUE CORP with account # XXXX and a balance of {$330.00}. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it. 

Collection account from UNITED REVENUE CORP with account # XXXX and a balance of {$940.00}. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it. 

Collection account from UNITED REVENUE CORP with account # XXXX and a balance of {$830.00}. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it. 

Collection account from UNITED REVENUE CORP with account # XXXX and a balance of $ XXXX never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it. 

Collection account from UNITED REVENUE CORP with account # XXXX and a balance of {$500.00}. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it. 

Collection account from XXXX XXXX  with account # XXXX and a balance of {$2200.00}. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it. 

Please re-investigate these matters and delete or correct the disputed information as soon as possible.
Product: Credit card

Over the last couple of years or more I've sent registered mail to them on at least 2 occasions asking for a copy of my signature opening up this account? Plus I would like to see my signature on any purchases made? They have been non-responsive? They only demand payment. This is fraudulent account. Due to identity theft.
Product: Credit reporting or other personal consumer reports

Incorrect information on numerous accounts are still showing up in my consumer profile. I've sent in numerous complaints and the information is still not being update or removed. All XXXX credit reporting companies do not respond to certified mail nor properly handle calls. I have recorded calls and conversations with these companies on how they mistreat my personal information and me as a consumer. I have fraud alerts that have been ignored as well by these companies and my personal information is being sold for their profit and gain. I want all late payments reporting negatively amongst all XXXX credit reporting companies, Experian, XXXX and XXXX to be removed asap! I have supporting documents that's been mailed certified to all XXXX companies that have been ignored for almost 2 years now. My next step will be seeking leg action and compensation from active parties including the CFPB.
Product: Credit reporting or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit Experian to furnish this incorrect information on my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights. The inquiries were not authorized by me. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. 

Inquires Listed Below XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove all of them from my credit report .
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 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. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Money transfer, virtual currency, or money service

Tied to sign up for XXXX and it wont allow me to connect to my PNC account
Product: Money transfer, virtual currency, or money service

This is in regard to my previous complaint XXXX. 

You claim that I violated your AUP and that you have the right to deduct un-realized damages of up to {$2500.00} from each violation. 

First, I did not violate your AUP. I did not transact or accept or request any gambling/raffle or " XXXX XXXX '' money using my PayPal account. 

I have tried to ask your customer service via phone and message center for details of your claim but they will not provide them. You have made it very difficult to obtain due process in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting incorrectly a collection from XXXX XXXX, XXXX for {$3100.00} partial account number XXXX. ( Please see page 33 of the attached credit report. ) Attached is a copy of the Receipt from XXXX XXXX XXXX XXXX XXXX, showing a payment of {$1200.00} was received on XXXX2019. This payment reflects this account has been settled in full. I was assured that once I made this payment the reporting bureaus would delete these line items from my credit report. I have contacted the bureaus to fix this on my credit report, however I have not been successful. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report.
Product: Checking or savings account

I deposited a {$30000.00} JPMorganChase-issued check from XXXX XXXX into my JPMorganChase checking account on Monday, XX/XX/XXXX. The funds were withdrawn from the payors Chase account on Tuesday XX/XX/XXXX. Notwithstanding that, Chase refuses to release the hold and insists on holding the {$30000.00} in its entirety until XX/XX/XXXX. This is extremely abusive of both XXXX XXXX and me as Chase Customers. Neither XXXX XXXX nor I have use of those funds from the time period of XX/XX/XXXX until XX/XX/XXXX. When Chase does this to millions of customers for billions of dollars over the course of a year, it allows Chase to wrongfully and unjustly enrich itself to the tune of millions of dollars at the expense of its customers. 

Notwithstanding that Chase 's hold might be in technical compliance with Regulation CC, it is unethical and wrongful because Regulation CC was established to protect banks from loss. As in effect today, the hold periods of Reg CC are abused and solely benefit the banks at the expense of customers. Because of electronic check processing which did not exist when the hold periods were established, the lengthy hold periods no longer serve to protect banks from loss as originally intended. The banks abuse the holds to give themselves false cover and enable the banks to unjustly enrich themselves at the expense of customers.
Product: Vehicle loan or lease

I refinanced my car through XXXX XXXX  after financing with Exeter Finance LLC. 

XXXX paid Exeter the payoff quote plus 18 days of the per diem on XX/XX/year> and the check was deposited by Exeter on XX/XX/year>. 

Exeter continued calling me every couple of days from XXXX about being delinquent even though I had properly refinanced through XXXX and gave them the information to prove refinancing. On XX/XX/year> said there was an investigation open to see if they had received the money, but each time I ask for updates and notes about the investigation they say there are none. 

They updated delinquency on XX/XX/year> of {$1100.00} to the Credit Bureau. My credit score has dropped XXXX points since XX/XX/year> from XXXX to XXXX due to this being posted as delinquency.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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, credit repair services, or other personal consumer reports

had almost XXXX in fraud charges and they refuse to fix the only late payment on my credit report, they claims its the credit bureau reporting and to contact they but I literally have a picture of the credit reporting showing late for XXXX XXXXXXXX. I pay my bills I pay everything on time I would appreciate if I got some type of help other than call the credit bureau and get told the same thing.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the items that I am asking you to verify as accurate. XXXX XXXX XXXX XXXX Partial Acct # XXXX .... and XXXX XXXX XXXXXXXX XXXX Partial Acct # XXXX ....