23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

There are several transactions on my PayPal statements which show duplicate transactions, some more than twice coming out of my accounts. While I do understand these statements show duplicate transactions out of default, there are several transactions still showing a minus sign- in front of these transactions more than once. Therefore they have been paid out more than once. I have been unsuccessful in resolving this issue for far too long and would like to see it come to a final end as PayPal customer service is not at all easy to work with.
Product: Credit card

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I mailed in and disputed online XX/XX/2023 with XXXX and XXXX to reinvestigate the following account : Account name : Capital One Account # : XXXX. However, they stated everything was complete and accurate. But how is that possible if the date of last activity, charge off, balance update, last payment date updated and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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: Vehicle loan or lease

I was not told my final payment needed to be made via another method. I was charged extra fees. They refused to waive and added a fee to pay off my loans final payment.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX SECTION XXXX A : STATES THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. XXXX U.S.C XXXX SECTION XXXX ( a ) ( XXXX ) 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 XXXX YEARS. XXXX U.S.C XXXX ( A ) ( XXXX ) 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 INFORMATIN IS INACCURATE.
Product: Mortgage

I am apply for a refinance, from XXXX but nationstar is not giving them the right infromations nationstar shows that I have two modifications and I only had one modification XX/XX/XXXX to XX/XX/XXXX this is the second time nationstar has cause problems when I have apply for a refinance
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted dispute for a credit card account on my report, that is showing " closed included in bankruptcy '', but I have my court documents showing that this account was never filed in my bankruptcy case in XX/XX/XXXX. 

I sent dispute to XXXX on XX/XX/XXXX and it was investigated and updated to my credit file on XX/XX/XXXX with the exact same information no changes. 

They said it was verified as accurate but I know for a fact it was not listed on any of court documents as part of a bankruptcy. I would like them to correct this information or delete it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite FOUR written requests. Experian has NOT corrected the INACCURATE REPORTING & UNVERIFIED ACCOUNT on my credit report.

They are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that the information belongs to me and is correct.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), They are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts the post on a credit report.

I am requesting that the following accounts below be verified or deleted immediately if it can not be verified. 
Account Number : XXXX : Account Number XXXX I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file of the accounts listed above, they failed to positively verify these accounts has hurt my ability to obtain credit. 

Under Section 611 ( 5 ) ( A ) of the FCRA THEY are required to promptly DELETE all information which can not be verified. They are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information belongs to me and that it is correct. In the results of Experian investigations, they stated in writing that they verified that these items are being reported correctly? 
They HAVE not provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).
Product: Credit reporting or other personal consumer reports

I called Experian to have these addresses deleted have disputed these addresses by way of XXXX and I have also called on two different dates for the removal of them they assured they would be removed in 24-72 hours they however were never deleted These addresses are being reported and are not accurate.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information I demand that they are removed
Product: Debt collection

I've been trying for month to settle my debt with this company, whenever I ask for documentation to prove the debt will be settled in full or any additional questions the call agents start to use abusive language, including yelling, profound words, insulting me personally. I've tried to contact them directly but can never get through either. Only on their terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled my charged off account in XX/XX/2019 with Personal/Mariner Finance. The balance on my credit reporting did not changed and still showed a owing balance of {$3800.00}. After filing a dispute with the credit bureaus the balance only decreased to {$1400.00}. This account was settled in full and Personal/Mariner Finance is inaccurately reporting the balance on my credit report and is violating the Federal Credit Reporting Act. I do not owe a balance to this company. The account should reflect a {$0.00} balance on my credit reports.
Product: Credit reporting or other personal consumer reports

my information was sold and bought illegally because I was victim of the XXXX data breach I want these items Deleted from my credit report effective immediately I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing .Please help me delete these illegal accounts from my credit reports. 

US DEPT. OF EDUCATIONXXXX XXXX
Product: Debt collection

They start to call about every six months or so, and when I ask for details about their location, they refuse to give it to me. I have not received documentation regarding the debt and they continue to tell me that they are sending it and that I'm not responding. When I ask for their address so that I can send them a cease and desist letter, they refuse and tell me that they are not collections. They tell me they are with " In House Processing '', but say that they are not the original debt holder. They have my SSN, DOB and address, and it makes me very uncomfortable that they have this, but yet I do not know who they are or where they are located. 

This morning was the most recent contact ( XX/XX/XXXX @ XXXX MT ). When I called them back, they verified who I was, and indicated that they could settle a debt with them from ACE Cash Express. When I asked them for documentation of the debt, they asked to verify my address, the address that they have for me is incorrect. When I asked for their name and business address, they stated that I was harassing them and hung-up on me. I called back to try and get more information and they stated the debt was from XXXX, that it was for {$1800.00}, and that they could settle for 33 %. They indicated that I was going to be served with court documents for a civil proceeding in XXXX County Court. When I asked them for their attorney 's name they were suing me with, they refused and hung-up again. The third time I called them back, they immediately stated that I was harassing them and that they would count me " served ''. 

The fact that people in an unknown state, business, etc. have my personal information ( SSN / DOB / Employer ), but they will not tell me who they are, where they are is very concerning. The fact that they have repeatedly stopped calling me for months at a time and then pick back up later leads me to believe that they are hoping one day I will have a lapse in judgment out of fear and give them a credit card for payment on a debt that I'm not aware of!

Also, my husband and I filed for bankruptcy in Colorado approximately 5yrs ago and included any an all debt. If I did owe this company money and was aware of an outstanding debt, then I would have included them.
Product: Debt collection

XXXX for about the XXXX time I asked XXXX when they called for proof of services and who exactly they are. They have the same exact account number as another company. I asked if they were the same and he said no but I owe XXXX. They can garnish my wages. Also said pay {$100.00} today and my debit is wiped off. I asked how and he couldnt explain. I said are there late fees that cause it to be {$210.00}? He said no. 
I have asked Revco solutions the SAME QUESTION. Nobody will answer. I dont see this on my credit and the hospital doesnt show it either. I have 3 letters in last last few months that security breach has happened and one includes medical information I dont believe I owe them and have given into harassment and been paying for a while until someone told me to talk to you XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BOTH COMPANIES SHOULD GET COMPALANTS
Product: Mortgage

This is in follow up of the complaint I filed with CFPB XXXX-XXXX. The HUD office in XXXX advised me to report to you for action. HUD is also investigating. This is about my XXXX whole house renovation started in XX/XX/2018. I have been paying interest on renovation-loan amount which I have no rights since bank ( Guaranteed Rate Inc ) repeatedly said it is their money and they pay directly to contractors. HUD says that is not true. Bank overpaid two contractors without my knowledge and signature. I have proof to submit. The first two contractors violated the contracts and delayed the project for over one year which could have been finished in 12 weeks. Now it is 18 months and I have been paying interest to the bank for all the money which they combined my old mortgage and loan together. The bank was sticking with the original contract I signed with the first contractor who was fraud and failed city inspections and building codes, was always threatening for more money. Bank overpaid him. Second contractor ( recommended by bank ) also failed city inspections and bank was secretly communicating with contractors and offering them money from the contingency funds. Third contractor noticed several shoddy works and alerted the bank and HUD consultant with pictures and testimony. But bank overpaid second contractor also. The contract I signed with the second contractor and third contractor were with in the left over money and there was no need of contingency funds. But Bank reported to me that some money from contingency was given away. I lost a huge amount of money out of my pocket. I have been asking the bank last 6 months to give me a statement of checks they delivered to fraudulent contractors but they never did. Two weeks ago they replied to my repeated emails and sent partial copies and said they are working on it. 
I spoke to HUD and they told me to reach out to you and reopen the case. This is my primary home of my family. My wife and XXXX kids have been going through this torture for a long time paying mortgage for a house we couldn't live and paying interest for a loan we have no rights or control.The third contractor almost finished the job within the budget and got the occupancy certificate last month. But the loan is not closed yet and I am paying interest for a combined amount of $ XXXX last 18 months. I can provide the email copies and other documents reviewed by county and state consumers calling out this as illegal and consumer harassment. 
Thanking you Sincerely XXXX XXXX
Product: Debt collection

In XX/XX/XXXX, I defaulted on my auto loan, held with XXXX XXXX. A few years later ( XX/XX/XXXX ), I decided to purchase a home. At that time, I had to satisfy the debt in order to obtain a mortgage. At that point the debt was held by Pinnacle Credit Services and was represented by XXXX XXXX XXXX. I have cancelled check and satisfaction letter from XXXX XXXX XXXX to prove the debt was satisfied. However, the original lien holder, XXXX XXXX, was not listed on any of the documentation ... only Pinnacle was listed. XXXX XXXX XXXX closed the account and sent it back to Pinnacle and they claim they reported it as paid. Pinnacle then re-sold the debt a year later to XXXX XXXX XXXX. XXXX XXXX XXXX, represented by XXXX XXXX XXXX sued me in court for the same debt that I already satisfied. I contacted all three companies to get them to communicate that I paid it. I even sent satisfaction letter to XXXX 's Attorneys, XXXX XXXX XXXX. They still proceeded with the judgment hearing even though I tried to clear it up before it went to court. I could not attend the judgment hearing because of my schedule and the judgment was filed against me. I have contacted Pinnacle Credit and they will not let me speak to a manager or compliance department as they claim they only buy and sell debt. They violated the Fair Debt Collection Practices Act by re-selling a debt I settled on. I have contacted an attorney about trying to get the judgment vacated locally but the paperwork I have says I paid off Pinnacle Credit, not XXXX XXXX. I have an excellent paper trail, including an old credit report which affiliates the XXXX XXXX debt with Pinnacle at that time. I am being haunted by a debt that is not only 15 years old, but a debt that I satisfied and this is very frustrating for me. Now, a new debt collector has purchased this debt, XXXX XXXX XXXX XXXX. The debt automatically becomes a lien on my home and that is very upsetting as well. I would be extremely grateful if anyone can help me with this. As I understand it, Pinnacle Credit has been banned from collecting debts by the FTC, I think I understand why. Is there anything I can do to resolve this? I contacted Pinnacle Credit Services numerous times to resolve this issue and they are unresponsive. They will not let me speak to a manager or compliance department. They will only tell me they sold the debt and are not responsible. I will also be contacting the Attorney General in my state and am considering suing Pinnacle Credit Services in State Court if it must come to that. I will not rest until this matter is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the account has nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Equifax failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this ... 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit card or prepaid card

CITIBANK, I sent a LEGAL Notarized affidavit disputing under the FCRA requesting under Section 609 ( a ) ( 1 ) ( A ), to Provide physical verification of the original signed consumer contract. I demanded to see 100 % Verifiable Proof an original Consumer Contract with my Signature on it. They have failed to RESPOND or VERIFY 100 % verifiable proof even though I have been sent back the Certified Return receipt. UNDER the FCRA they are Now REQUIRED to REMOVE the accounts being disputed under applicable federal law. Additionally, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of 100 % verifiable proof which they have negligently failed to do. Now forcing me to seek relief through the CFPB portal
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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.

And according to 15 USC 1681s-2 they are suppose to 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

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

XXXX {$190.00} XXXX XXXX XXXX {$200.00} XXXX XXXX {$220.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX$530.00} these companies are in violation of the FCRA LAWS. reporting to my consumer report is a form of communication XXXX692c. Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

please remove this information off my report.
Product: Credit reporting or other personal consumer reports

I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXX  Account Number : XXXX It's showing that I have a collection account. But here 's the thing, I've never been had any association with this account or company Consumer Reporting Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements that show this collection belongs to me? If it turns out there's no proof of this collection belonging to me, then it's only fair that this account be deleted. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX  XXXX Account Number : XXXX