23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 then records of convictions of crimes which antedates the report by more then 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 or other personal consumer reports

My credit report is still showing late payments on XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or a customer service representative.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX On XX/XX/XXXX, I contracted XXXX in a phone conversation, to write a 55-page essay for me in the amount of {$580.00}, Title : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX specifed a finish date that they would be done with the project. When the deadline was up, they had only done 12 pages of the agreed-upon 55 pages. Enclosed is a PDF attachment of the correspondences with XXXX  and what transpired doing the time they were working on the essay. When they failed to meet the agreed upon dead-line date, I requested a refund in the full amount of {$580.00}, to be refunded back to my PayPal account, in which they did not comply.

Why would Paypal pay someone the full amount for a project, when they have not started working on the project? They should check with people in question as to how the project is going. There is a scam report enclosed in the document correspondences from other people that was dissatisfied with their work. I have not received payment to my PayPal account for services that were not rendered on XX/XX/XXXX. It was imperative that this matter was to received their immediate attention. 

When they refused to return the money to my Paypal account, I called Paypal and put in a dispute against XXXX. Shortly after I filed the dispute, I get an email from PayPal stating my dispute had been denied and that I was responsible for the {$580.00}. I spoke with the people in the dispute department at PayPal and I appealed the payment that was due and they told me that I had 24 weeks to pay the balance or they would turn it over to a collection agent. Since that time about ten weeks have passed, they have started charging me late fees for not making payments on the unpaid balance. 

I wrote a letter to PayPal corporate headquarters and specified in detail what had transpired and hoping that they would step in to get this resolved. I requested that they send a letter back to me in the mail stating their findings. I never heard anything back from them. I also, wrote a letter to PayPal dispute department requesting the correspondence that XXXX sent to them, from an email sent to me from Paypal on XX/XX/XXXX so I would have a general idea of why they decided to deny my dispute. I never heard back from them. 
It was my understanding that since they gave me the 24 weeks to pay the account off, there would be no late fees. Is it lawful for them to do this? All I ever wanted to do from day one, was to get this matter resolved and get it behind me. PayPal have been my payment method since XXXX, and I have never run into a problem when XXXX was associated with them. 

There is something that dont hold true in this email from PayPal dated XX/XX/XXXX and XX/XX/XXXX. On the email dated XX/XX/XXXX where it states ( next steps ) and the one dated XX/XX/XXXX where it states ( Hello XXXX XXXX ) please see if you can make something from the dates that they were sent to me. Please read the PDF format correspondences that I had with XXXX and PayPal and it will give you a better overview of what has transpired. Hopefully, with your help I can get this matter resolved and behind me.
Product: Credit card or prepaid card

XX/XX/2020 I called to access my account using my call password I have used 35 years. USAA DOES NOT PROVIDED ON LINE ACCESS DUE TO MY XXXX  XXXX. NOW USAA can not verify me using my call password that has worked 35 years so I HAVE NO ACCESS TO CALL ABOUT MY ACCOUNT. This is due to my hand XXXX also. I physically am unable to ( text or email ) proof of who I am. ** NO PHONE ACCESS. XXXX USAA IS NOT XXXX ACCESSIBLE FOR XXXX MEMBERS
Product: Credit reporting or other personal consumer reports

These accounts are not mine and did not have permission to access my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries listed are unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My driver license was stolen and someone from a different state tried to cash a check with my license. It was at a Huntington bank witch I do have. They did not cash the check. But did notify me and adviced me to report it witch I did. And she sent me this web site to add to also.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I sent XXXX XXXX a request for a settlement for a balance due. They did not reply. 

In XX/XX/year>, I sent XXXX XXXX a request for a 1099-C since they claim on my credit report that they have written off the debt. Write offs are income and should not be on a credit report. 

In XX/XX/year>, XXXX XXXX sent me a letter asking for verification of who I am, I replied with all information that I had. 

They have not replied. 

If they sold the debt, they need to update the balance to XXXX. They can not keep a balance if they were already paid for the debt. Also, they are creating a double jeopardy. 

If they have not sold the debt, they need to give me an opportunity to negotiate payment.
Product: Credit reporting or other personal consumer reports

I would appreciate your support in addressing an error on my credit profile, where a wrong account has been reported. This issue has affected my reputation, and I have included documentation for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, XXXX and XXXX have failed to investigate and provide investigation results after my most recent dispute regarding unauthorized and fraudulent Inquires that are appearing on my credit file. XXXX day i had XXXX inquiries and the next day i had XXXX inquires that all came from auto loan attempts. I have a car so why are these inquiries popping up on my report? I wrote each agency requesting an investigation on my report due to fraudulent inquiries that i 100 % did not personally apply for and they all have failed to respond. I demand to see the " Consumer Contract bearing my WET SIGNATURE '' to verify and validate these fraudulent inquiries that are negatively impacting my credit file in a major way. As the consumer, it is my right to request an investigation when items are not correct, true or verified to belong to me and these agencies are clearly ignoring my request. I will now hold each agency liable up to {$1000.00} per violation if this is how you allow them to operate. The reporting of inquiries that have not been verified is a violation of my consumer and demand all inquiries be removed that you can not provide documentation of proof for. I want all accounts and inquiries that are not metro2 compliant removed, corrected and updated immediately due to their to respond and investigate in the first place. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a balance of XXXX but commenting that acct was paid for less than full balance. When I negotiated a settlement, I was told that there would be no negative reporting to the credit bureaus. Obviously XXXX did not keep their end of the bargain. Hopefully you can help me or I will have file a lawsuit to getting this matter cleared up as it is hurting my ability to get a home loan.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2000.00} ; XXXX XXXX XXXXXXXX Balance : {$3600.00} ; 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

The presence of fraudulent, inaccurate, and misleading information on my consumer report continues to cause significant disruption in my life despite my repeated attempts to resolve these issues. As a victim of identity theft, I never authorized or consented to these entries being associated with my name, yet their ongoing presence has generated immense stress and anxiety while severely impacting my financial stability and everyday wellbeing.
Product: Debt collection

I have attempted to resolve this situation with Ars. This company is reporting that I owe two accounts to them. These accounts are fradulent. 

{$210.00} {$1200.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX Collections did not provide me the original application contract. And have been negatively reporting to XXXX and TransUnion my consumer credit reports. I demanded to removal of this negative account immediately. The others were unauthorized credit inquires. 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

Portfolio Recovery Associates attempted to collect a debt I asked them for a debt validation letter they never sent it and refused to send a letter until I paid them through XXXX  and because I said no he told me on the phone I will not receive a debt validation letter and told me he doesnt even know what debt I owe
Product: Vehicle loan or lease

Hello, I had an auto loan with the XXXX XXXX XXXX XXXX back in XX/XX/2013. During this time I was facing a financial hardship and lost my job during this time. I was a little late on making a payment. A few weeks later I was able to get back on my feet and obtain a new job. Eventually the car was paid off with this company.
Product: Mortgage

I received in XX/XX/XXXX a letter from Ocwen claiming {$1000.00} for past mortgage payments and threatening with foreclosure. They don't specify which payments were missed nor provided any dates whatsoever. Attached please find documentation of the latest payments made to Ocwen as well as their regular statements in the amount of {$210.00}. 

Ocwen is notorious for their substandard accounting processes. 

In the past Ocwen claimed amounts that were not due and and resulted in a refund to me for consecutive over-payments. This process took about a year, they unnecessary reported me to the major credit agencies and affected my credit rating. Finally they had the rectified and send a request to agencies to have reporting removed. This was XX/XX/XXXX. Confirmation # XXXX. Letter attached. 

Ever since I have been receiving statements requesting the regular payment of XXXX, but the last payment submitted in XXXX for the month of XXXX was returned and a letter asking for XXXX ( the equivalent to 5 months payment ) was received on XX/XX/XXXX. 
Letter attached. 
We have never missed a payment nor being late ever since it was open in XXXX. I have some health issues and this is contributing to its worsening. 
They are threatening with foreclosure and of course damaging my credit again ... I can't keep on being the object of the malfunctioning of this company again. 
They are not communicating in an effective way, just doing on their own.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 am taken aback of the situation. I've submitted this complaint 4 times & CFPB & EXPERIAN are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm fed up with it. The account listed below was opened due to identity theft. I've provided you ( CFPB ) & EXPERIAN with an affidavit & FTC fraudulent report to support my position. It seems EXPERIAN is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of XXXX XXXX XXXX XXXX It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer NOT to engage in a legal proceeding, such as filing a lawsuit. Please see this matter is handled. I'd like the account removed/blocked per 605b with the attached documents again ... Thanks XXXX XXXX
Product: Debt collection

My credit report shows inaccurate and unverified account information. I have reported the issue to Transunion on XX/XX/2021 via phone and XX/XX/2021 via certified mail. XXXX has not validated the inquiries and/or removed them. Transunion is violation of the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), by not providing complete and accurate reporting at the request of the consumer.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX we signed a contract with XXXX  XXXX  's ( aka Great Day Improvements LLC ) salesperson XXXX XXXX to manufacture and install a screened in patio with " work to start approximately XXXX weeks from the date of the contract ''. XXXX  XXXX  finances their work through Greensky, so we took out a loan with Greensky on XX/XX/XXXX with the salesperson directing our application. We are now 21 weeks out from the contract date and no work has been started. We can not even get a firm start date of when to expect work to commence. So far the dates we have been provided are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and most recently XX/XX/XXXX. We have been charged {$4100.00} as a down payment that we are currently paying on. Whenever we call XXXX  XXXX  to get a status update, the only information we are provided is that the material is not in and they don't know when they will receive it. When we ask for call backs with further information, we never receive responses and have to follow up ourselves. Noone can provide a definite date when we can expect work to commence or even if/when they will get in our material. Meantime, it is obvious from online reviews that customers who put in their orders months after us have already had their patios installed. We had to get an approval from our HOA to get this patio installed and that approval expires XX/XX/XXXX. Last week I reached out to Greensky to either get the work complete by XX/XX/XXXX or cancel my loan and get a full refund since the company has not kept up their end of the contract. Greensky says they can cancel later installments, but can not guarantee a full refund of the deposit amount unless the vendor agrees. I'm not sure why a vendor gets to keep half of the total amount of the work when they have done nothing and are now over a month out from what the original contract said would be the completion date. Greensky should be protecting the consumer here when the vendor is not doing what they agreed to do.
Product: Vehicle loan or lease

GLOBAL LENDING SERVICE You've committed " FRAUD '' It has been brought to my attention 15 usc 1692 ( a ) ( i ) you have reported my personal/private information with third party agencies with out direct consent from me the original " CREDITOR '' Pursuant to usc 1605 the finance charge is the sum of charges with insurance included Pursuant to 15 usc following 15 usc 1635 Rights of Recission I demand you remove these neagative items off of my consumer report!
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

XX/XX/XXXX - Chase Sapphire Preferred card was opened via online form ( applied via Chase website and was approved ) I miswrote the address and had to call to get the address changed. 

Every large purchase I make on the card, I get flagged for fraud or 'fraud protection ', even when I call the Chase customer service line before and after the purchase to confirm it is me making the purchase. 

Chase refused to verify my phone number and only calls me regarding my personal account by calling my father 's phone number. When I stated that this is a breach of my privacy as it's not my own phone number, Chase bank representative said the only way to verify my phone number is if I created a separate phone line from my father and had the bill in my name. ( They repeatedly claim they do this for security purposes- however, calling another person regarding my financial account is NOT secure. ) I have called them repeatedly, nearly daily for a week at the end of XXXX, and every single charge I make is marked for fraud. I go into a Chase bank branch and they tell me they can not help me in-person. Every time a Chase bank representative talk to me, they tell me my card is clear to use. I make a purchase and then it is immediately marked for fraud. My card is not usable. 

XXXX XX/XX/XXXX- Through daily calls with Chase bank customer service, a Chase bank representative tells me that the fraud team will review all my charges and that I can not and must not use my card until the review is clear. 

I receive no communication from Chase bank for the next month. 

XX/XX/XXXX- I call Chase bank and get transferred to the fraud team. They say another charge, made on XXXX XXXX is still under review and they will have to have the fraud team view it. My card has not been usable for a month. 

I believe with the sign on bonus of spending {$4000.00} within 3 months, Chase bank is purposely marking my account as fraud so that I can not receive this bonus. I believe they are making it difficult to use my card because the large purchases I am making ( $ XXXX ) that I repeatedly call them about to clear will make it so that I will accrue many points in a short amount of time and therefore reach this sign on bonus before they anticipated, therefore they are purposely keeping me from making purchases in hopes that I do not reach the {$4000.00} threshold to receive the sign on bonus.
Product: Credit reporting or other personal consumer reports

Inquiries XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX I wrote to the company : My information may have been impacted by the Equifax Data Breach and may have got into the hands of the wrong person 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the Banking system ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, creditstanding, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy
Product: Debt collection

It looks this DEBT COLLECTOR company XXXX XXXX XXXX XXXX Has engaged in an ongoing collection activity even after Their sent me a letter stating they will cease all communications tactics as it goes for phone calls and mail, I just received from this company a letter in XXXX with a date as XX/XX/XXXX, It contradicts about the letter the sent to CFPB on XX/XX/XXXX. 
I stated once more the amount of {$900.00} they claimed I owed to CITIBANK NA Its been disputed, CITIBANK NA in its letter dated XX/XX/XXXX says did n't know the amount was disputed in XXXX, I will inquire a CFPB regulator to look into it, If CITIBANK NA did n't know in XXXX why they still market this Alleged debt with another Debt collector company, I believe now CITIBANK NA has engaged in some violations to the FDCP Practices and the CFPB should fine them for those violations. They knew this alleged debt were dispute in XXXX. I 'm attach proper exhibits to support my claim. 


I will include on this letter a formal dispute with CITIBANK NA for the Marketing Tactic to have one or more Debt Collectors harassing me for a Disputed debt, I rejected it as a valid one.