23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I enrolled my debt with XXXX XXXX XXXX. They enrolled my mower with XXXX financial into my debt program. It was a secure loan. They didn't double check before adding this to my profile. I didn't know what secure meant. I could not log into my profile for the first month. My cell phone number was not even added correctly in my profile so there was no communication on either end. I did a they told me to and unenrolled my auto pay accounts. Stop paying creditors and cobble l block phone numbers. XXXX came and repossessed my mower after missing my second payment. I tried to explain my debt consolidation to them. They said because I did not communicate with them they would not work with me to get my mower back and catch up on payment. XXXX XXXX company initially told me I would be better off discharging my debt from the debt program ... and taking a loss! Then they wanted me to send a large payment to them to be able to negotiate my mower with XXXX  without even knowing if I would get it back from the auction it was going to in another state! So I was left with a repossessed mower that i use for my buisness and a debt company who did not double check my profile before signing me up. So I trashed my credit in belief I would come out on better standing. I lost my main piece of equipment for my buisness. And I was left with no help or justice. Just negative remarks. How can I still save my credit after all this and take repossession off my account?
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, fraudulent activity appeared in my PayPal account. The name was changed to XXXX XXXX, the address was changed to California, and the language was changed to XXXX. Once I got the language changed I called Paypal to report the fraud. I gave all the information for PayPal to clearly identity when the fraud took place and after over an hour I was told they would take care of it and not to worry. Nearly 3 months later my account shows a negative balance over {$4000.00} and Paypal has sent me to collections and will not help resolve the issue. I have called dozens of times and each case opened, Paypal closes without action. I believe someone has found a security vulnerability and was able to push transactions from behind Paypal security firewalls. I am looking to take legal action against the company as they were immediately informed of fraud and took a knowing stand to allow fraud to occur instead of taking action to stop it. I contacted paypal dozens of times and they encouraged me to take legal action, even providing the address to send a subpoena.
Product: Mortgage

On XX/XX/XXXX I submitted my $ XXXX loan application after paying XXXX in escrow. I applied using the lender that the sponsor wanted me to apply with GuaranteedRate and have been in constant contact with the morgagte consultant in providing them with the documentation they need from me up through XXXX. On XX/XX/XXXX, I get an update from XXXX telling me that my file should be approved this week. 

Then on XX/XX/XXXX, XXXX tells me " So hold off on binding anything we are having a little trouble with your approval, XXXX is looking into it, and will be in touch. '' I send several emails asking what exactly the issue is but did not get a response.I talk to XXXX over the next 2 week who tells me a different issue holding up the approval : 1. Condo occupancy ( % occupancy ) 2. Confusion about the tax amount amount and asking me what the amount is 3. Telling me that I need to lower the loan amount I am applying for and also pay off my existing credit cards. 

Okay, call me crazy but if I need X dollars and they are offering me less than X dollars thats essentially a rejection. After finding this out, I immediately contacted my attorney to let them know and also ask XXXX to issue me a formal notice to which he refused. 

It is XX/XX/XXXX now, 5 days away from closing and I still have not received any formal notificiation ( approval or rejection ). If i don't get this letter, Not only do i lose my 10 % deposit i put down for the house I bought but I also purchaesd something I can't afford. 

I am a first time home buyer and this has caused me so much stressed over the last 3 week that I haven't been able to sleep and it is impacting my work. 
Help!!! 

I had moved to XXXX based on my agent saying this process will close within a month. It hs been over 3 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX -- XXXX {$1000.00} REV {$890.00} MIN {$39.00} {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Late Dates : XXXX ( See status ), XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX -- XXXX {$1000.00} REV {$750.00} MIN {$39.00} {$97.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Dates : XXXX ( See status ), XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Debt collection

In response to the collection placed against my credit profile. The information documented on behalf of this collection is incorrect, inaccurate and insufficient. I have no recollection of this debt owed and has been placed on my credit file and in my name. 

I understand that collection companies are generally not excited about deleting a collection account. However, I have been informed that according to FCRA ( Federal Credit Reporting Act ) no creditor is required ever to report a debt, nor are they required to continue to report it for any set amount of time, reporting to the bureaus is purely elective on the creditors part. I would simply like for Collection Company to have this one account removed immediately from my credit reports ASAP to ensure my credit profile will reflect accurate and correct information. 

I understand you all are extremely busy so I appreciate your assistance in this urgent matter. 


Respectfully, XXXX XXXX
Product: Credit card or prepaid card

I received a letter dated XX/XX/XXXX advising that American Express had lowered my account limit in HALF to {$11000.00} because my spending activity on my account had been significantly lower than my credit limit. 

I went through a divorce in XXXX where I had to purposefully let my mortgage payments go 90 days past due, so I could apply for a HAMP. I paid all other bills, and credit cards on time, no one suffered a financial loss and I did get my house refinanced just in my name. At this time, I understood that with my delinquency my credit report took a hit and American Express reduced my limit to {$1000.00}. I understand. 

Fast forward 8 years to XXXX, my credit is in the 800 's. American Express rewarded my increasing credit score with increases in my limit, back to what it was before my divorce. Now I am being PENALIZED with credit restriction on my card because I have to play the credit card game and have enough open credit to make them happy, but wow, I can't have too much open credit I guess. WHAT A SHAM. WHAT A GAME. THEY ARE PUNISHING ME FOR BEING " TOO GOOD ''? I still keep a small balance, they are making SOME money - just not tons with 24 %. 

They didn't alert me to this possibility or I could have had spending activity!!!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, a scammer called me using a spoofed Citibank number ( which I didn't know was a thing ). He convinced me to 'refund me ' via XXXX XXXX but he unlinked my number and replaced it with another account. I lost XXXX XXXX There is no way to cancel the transaction. 
I feel Citibank and XXXX let me down by not providing clear instructions about what their employees can request ( PIN, socials ) ; not warning people about spoofed phone calls and maintaining their transfer services despite fully knowing there was an ongoing fraud wave. 
At a bare minimum people should be made much more clearly aware of such risks before enabling XXXX transactions.
Product: Debt collection

I am writing to address the inaccurate, erroneous, and incomplete reporting of the following accounts on my credit report, severely impacting my credibility and quality of life. Upon contacting the associated banks, they confirmed the reported information is inaccurate. While unable to provide records, they assured me of promptly removing the erroneous accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Money transfer, virtual currency, or money service

Last week I logged in to my venmo account which I had not logged into since XX/XX/XXXX. When I did all my funds were gone and then I wanted to check each transaction in detail everything was blank, even the email notification of each transaction which would lead me directly to the funds on venmo was blank, i would click to access the transaction done by my client and it was blank. since XXXX when I opened my venmo account Ive had done several transactions, up until this date I had {$800.00} that were arbitrarily withdrawn by venmo to New York for no justifiable reason. I am in urgent need of this hard earned money since I am struggling to make a living especially with my hospital bills, food, and housing. All of this is very damaging and painful because of my desperate situation and venmo must be responsible for this no matter what and as soon as possible! especially coming from a loyal customer like myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$390.00} XXXX OF XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Account Name XXXX XXXX XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXX XXXX  Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely, XXXX XXXX
Product: Debt collection

I opened my credit report and noticed that Penn Credit Corporation is attempting to collect a debt that I do now owe. My balance with XXXX XXXX XXXX has been situated since 2018. I have not lived in Connecticut since and the information they are reporting on my credit report is completely in accurate. I have attached a screenshot of my XXXX account as of today and it is reporting a zero balance, I also attached a copy of the letter that I sent Penn Credit Corporation.
Product: Debt collection

I recently had my Identity stolen and reported it to the police. A collection company called me concerning a check i did not write. They made me give my address which is something i did not want to do. They were rude and then wanted me to mail them a copy of the police report. I asked the rude lady to email me the address and she said they could not email and was rude and acted like i was the criminal. I am a stand up citizen who is a 20 year XXXX who had a credit score in the XXXX before the theft. I will not be badgered or spoken to in that tone by anyone expecially someone who collects debts for a living.
Product: Credit reporting, credit repair services, 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 : XXXX XXXX Account number : 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 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 card or prepaid card

These problems are wit h Jared The Galleria O f Jewelry.  <P/> First, when I applied for the credit account, I was told the credit check would be a soft hit. It was a hard hit. They lied.  <P/> Second, I have received no information about how to pay down my account. Logging into their website and clicking on  " My Jared Card '' brings me to a page with recent orders, nothing to do with the credit account. When I contacted Jared via chat, I was told my address in their system was incorrect and they needed my birthdate to verify. When I provided my birthdate, I was told the date was incorrect as well. I was then told I needed to fax my state ID card to them. This is 2017, I do n't know where a fax machine would be, or how to use one. Additionally, I was told I needed to provide my account number when I faxed them. Trouble is, I do not know my account number and they wo n't give it to me since the information they have on my account is incorrect.  This is a circle of illogic.  <P/> I was also told I could visit my nearest store. The nearest store is prohibitively far away for such a trivial matter.  <P/> Finally, when calling their  XXXX  number, t  he automated system keeps saying " Sorry I did n't get that '' and will not connect me to a human.
<P/>
Jared messed up and now they are preventing   me from paying my debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX CARD XXXX 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 this item 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 or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

The company- Omni financial in XXXX Georgia practices predatory lending for service members. They never complied with federal mandates under XXXX when I deployed. The account was closed and charged off as a result of no correspondence while I was hospitalized. The company has since allowed the account to continue to accrue interest and falsely report on my credit.
Product: Checking or savings account

I opened this account on XX/XX/XXXX and was told I do direct deposit I would not have charged a service fee ; recently I noticed that I have been charged a service fee of {$12.00} a month when I reach customer service they told me is because I do not have a direct deposit of {$250.00} going into my account every month ; I told the representative that I was never told to have this direct deposit amount on my account the rep says there is nothing he can do about the fees I'm being charged. I then asked the rep to have these charges reversed from my account as I am being charged unfairly because the bank never disclosed this information when I opened the accounts back in XXXX and XXXX. I am asking Bank of America to reverse all Maintenance Fee charges from my account going back the last XXXX  years immediately.
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 corrected : XXXX XXXX XXXX Balance : {$540000.00}, XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00}, XXXX XXXX XXXX XXXX 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: Checking or savings account

I was not immediately informed that my checking account had been compromised a person arrested for writing checks against my checking account this was XXXX XXXX XXXX  merged with mb financial and merged with 53 rd bank branch manager on XXXX XXXX XXXX  in XXXX XXXX XXXX area has worked for all three since the incident occurred
Product: Credit reporting, credit repair services, or other personal consumer reports

i pulled my equifax credit report come to found out i see alot of inquiries that i did not approved for someone to run my credit i have sent a POLICE report to equifax about this matter and i did not recive the outcome that i was looking for its my right to dispute FRUAD accounts on my credit repot here are all the inquiries ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ... XXXX XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Factor trust.. These are all FRAUD inquires that i did not approve EQUIFAX is playing games with life by keeping thses accounts on my credit i will like them to be remove ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

I never ever applied for any loan with XXXX and I have a cyberstalker and many times I try to report him to FTC and he puts something so ex date, or other info doesnt show up and a week ago I got email about loan being turned down. Files are on a freeze and I never applied for one. So cyberstalker is in all devices and there are hidden wi fi in my house. Plus I know him from 5 yrs ago so he has hacked even medical and local police sent me to Mn Attorney General who got them paid. I am XXXX with little resources so if I could stop anything I would appreciate it. For more than two years I tried to get the error of my mortgage off my credit files I do have one and at least you helped me get the XXXX XXXX to let me assume the mortgage. However XXXX  says their info still stands - it is an error as the account number is incorrect and sorry for adding this but XXXX is so difficult to deal with they refuse to listen to you
Product: Credit reporting or other personal consumer reports

My credit report reflects an outstanding balance on my credit report for an XXXX XXXX XXXX XXXX XXXXXXXX, collection agency name is National Credit Systems, in the amount of XXXX, back in XXXXXXXX XXXX XXXX This information is inaccurate and as a result of this incorrect reporting it has negatively impacted my ability to get approved for a new place to live and now my XXXX children and myself are homeless. 

I did attempt to go to this complex to resolve this issue myself but they no longer exist it is a totally different apartment and the XXXX advised they have no record of me living there.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous letter dated XX/XX/year>, in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on my credit card accounts : Account number XXXX CREDIT CARD, Account number XXXX CREDIT CARD. To date, I have not received confirmation of the correction nor observed any changes in my credit report.