23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Good Morning or Afternoon, Please see the attachment! - My name is XXXX, and for the last 6 months, I been trying to resolve a student loan collection of {$2400.00} with ConServe, a debt collection agency on behalf of XXXX XXXX. I finally got hold of someone like 90 days ago and resolved the account and paid off the entire balance. I was told by several representatives that once that payment clears, and I should give the company up to 30 days and they should be able to demand the credit bureaus to PERMANENTLY DELETE THE TRADELINE FROM MY CREDIT REPORT. I was actually shocked when I reviewed my credit report and found that it still reports as such. I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation. I appreciate your help regarding this and look forward to keeping having the positive experience that I have had with you in the past. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand a immediate deletion of this account from my credit report. Also, look at the DATE OF LAST PAYMENT, the account status and payment status hasn't been even updated. Please deleted as promised
Product: Credit reporting

I have never lived at either one of these addresses and would like them removed from all credit reports XXXX XXXX XXXX XXXX, TX XXXX And XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Checking or savings account

I have had a Paypal account for about 20 years. No problems. 
On XX/XX/2022, at XXXX I attempted to create another Paypal account for another business of mine. The user ID is XXXX. I was able to " create '' this account but at the moment I tried to link my business bank account, it displayed that it can not link this bank account AND I received an email saying this : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- You can no longer do business with PayPal ( Ref ID - XXXX ) XXXX XXXX Inbox XXXX   To : XXXX XXXX Wed, XX/XX/XXXX XXXX XXXX XXXX Hello, XXXX XXXX PayPal You can no longer do business with PayPal After a review XXXX we decided to permanently limit your account as we found potential risk associated with it. 

You'll not be able to conduct any further business using PayPal. 

Based on this decision, if applicable, you are no longer eligible for PayPal Seller Protection as per our User Agreement. You'll also be charged a High Volume Dispute fee based on your activity for all existing and future cases you receive. 

Any bank or credit card information that's linked to your PayPal account can not be removed nor can it be added to another account. You can still log in and see your account information but you can't send or receive money.

If you have funds in your PayPal balance, we'll hold it for up to 180 days. After that period, we'll email you with information on how to access your funds. 

We regret any inconvenience this may cause.

Log in to PayPal PayPal Help & Contact | Security | Apps XXXX XXXX XXXX XXXX PayPal is committed to preventing fraudulent emails. Emails from PayPal will always contain your full name. Learn to identify phishing Please don't reply to this email. To get in touch with us, click Help & Contact. 

Not sure why you received this email? Learn more Copyright XXXX PayPal, Inc. All rights reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
XXXX XXXX : XXXX ( XXXX ) XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I called Paypal 's number XXXX and a lady told me that the SYSTEM " decided that I am some RISK '' and she can not do anything about it. 

So I have a new account that can not use ; it says it in the above email. 

1. What have I done wrong to prompt this action? Linking my bank account?

2. What kind of harsh language is this message written in? Like I was a criminal!

3. There is no clear reason for what risk I created and to whom ; to myself, to Paypal? 
4. I have no funds in that account, of course, no bank could be linked but if I did, I would need to wait 180 days to get it? Money kept hostage? 
5. Why would I be charged a High Volume Dispute fee? What kind of punishment it is?

And why?

The above text sounds like a scam but the Paypal lady on the phone confirmed its authenticity.
Product: Credit reporting or other personal consumer reports

i did not authorize this account and have no knowledge of its existence.
Product: Checking or savings account

I first recognized a problem trying to use my debit card on XX/XX/2022, when the card was rejected for payment. Shortly thereafter on the XXXX, I called my bank asking why the debit card was rejected, & their answer was that that they were no longer accepting checking accounts under a Trust Account & that I had not sent paper work back to them on a given date which had expired.. They closed my checking account & would not allow any trans-actions other than credits into my my account. I spent over 2 hours on the phone trying to resolve the problem on that same day to no avail. I am a senior citizen living on SSA & retirement military pay from my deceased husband, which is my only source of income. They said the only thing I could do was open a new personal account with their institution & that all transactions with the account under my trust name were frozen until debits had hit the account. I am crippled monetarily as I can't have access to my SSA & DFAS deposits to pay any bills or access any $ out of this frozen account that will be closed when all debit transactions have stopped. 
.
Product: Credit reporting or other personal consumer reports

I have a secure credit card with SDCCU. I used to have al my accounts with them in the past but given their poor track record and inefficiency to do basic math and wasting clients time to have us explain them simple things about balances and how payment works made me move all my other account to XXXX XXXX. So this secured credit card had a {$20.00} balance i had to pay at the end of the month. I was XXXX  over a family emergency and when i got back i saw my credit report had dipped by XXXX XXXX  on XXXX I wnet immediately to the closest branck getting persmission from my work to apy it off and have the account closed. The rep was kind and she explianed me i had unused miles that i can use before closing so i had payed them {$400.00} in cash while the initial amount they gave me back was XXXX on the prior request of closing the account. Now that i wanted to use my points i felt i can have the account open for another month. So the payment was made, the bankers there had the math completely wrong and i had to go back there again on my XXXX  from requesting another break from work to explain them what the math looked like. They agreed i was correct and had it reverted. I would like them pull the incorrect inquiry of my report immediately as i am in the process of refinancing my house and i dont apprecaite them reporting absolute garbage immediately and taking 30 days to recitfy it. I would seek CFPB to assist me providing lost wages for the time i took to resolve this in person and also the damge they caused to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XX/XX/XXXX, XXXX & XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected.
Product: Debt collection

JPMCB CARD

Contact
XXXX XXXX XXXX XXXX DE  XXXXXXXX XXXX XXXX  

HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF XXXX THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan but never took the money. I closed the account the same day i applied. 
The company has listed the account ( about 2 years later ) as delinquent on my credit report. 
I have already disputed the account with CFPB once and they acknowledged the mistake. 
Since then the account was added again to my credit report as open with a delinquent balance. 
Previous compaint number with CFPB XXXX
Product: Credit reporting or other personal consumer reports

I HAVE RECENTLY CHECKED MY CREDIT REPORT AND OBSERVED SOME UNAUTHORIZED INQUIRIES STILL REPORTING.

Inquiries not authorized in Equifax : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

Inquiries not authorized in XXXX : 1. The inquiry was not authorized XXXX XXXX Inquiry date : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

Credit Corp Solutions INC violated a couple laws under the Fair Credit Reporting Act. The first violation was 15 USC 1692c ( a ). I did NOT give credit corp consent to contact me through any mediums.

Credit Corp Solutions INC Violated 15 USC 1692b ( 2 ) because sent me a letter stating that I owe an alleged debt and that's a clear violation under the Fair Debt Collection. Practice Act Credit Corp Solutions INC violation of bringing legal action for an alleged debt. Pursuant to 15 USC 1692i ( b ) congress states that " Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors ''
Product: Mortgage

Subject : Failure to Confirm Servicing Period and Mortgage Ownership for XXXX XXXX Trust Loan Dear CFPB, I, XXXX XXXX , executor and beneficiary of my late fathers estate, have repeatedly contacted XXXX XXXX to confirm critical information regarding my fathers mortgage loan, specifically related to the XXXX XXXX trust. Despite several attempts, including direct correspondence and a conversation with a customer service representative, I have received no definitive confirmation about whether Nationstar serviced this loan between XX/XX/XXXX and XX/XX/XXXX. This information is crucial for me to collect insurance repair funds of {$72000.00}, which, with interest, now amounts to {$200000.00}. 

The loan in question originated with XXXX XXXX XXXX on XX/XX/XXXX ( Loan # XXXX ), and I believe it may have been transferred to the XXXX XXXX trust, serviced by Aurora Loan Services before Nationstar took over. I seek confirmation from Nationstar regarding the servicing of this loan during the time frame mentioned. 

I have attached a copy of my written requests, including the estate documentation for reference. Despite this, Nationstar has not provided the requested information. I need CFPBs assistance in ensuring a timely and appropriate response from Nationstar regarding their role as the master servicer for this loan. 

Desired Outcome : I would like Nationstar to confirm in writing whether they were the master servicer of the XXXX XXXX trust between XX/XX/XXXX and XX/XX/XXXX and clarify if XXXX XXXX XXXX or controlled my fathers mortgage loan. This confirmation is critical for me to proceed with the estate and claim the funds due. Thank You, XXXX XXXX for the Estate of XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is reporting derogatory information onto my account. I am hereby asking XXXX XXXX XXXX  to cease and desist in regards to this account. This notice is Pursuant to my federally protected rights. 15 USC 1692 ( c ) ( c ) Ceasing communication with the consumer. It says 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. A form of communication regarding the alleged debt is my consumer report which is directly affecting my credit worthiness. Please see the attached letter for full details.
Product: Debt collection

Hillcrest Davidson attempted to collect a debt that I was informed by the original creditor was closed. After numerous phone calls to my cell phone which included yelling and screaming at me, threats to damage my credit and threats to garnish my salary I sent them a cease and desist letter. In the mean time Hillcrest Davidson called my place of work and spoke to one of my employees telling them that they needed to speak to me. The employee asked who was calling and they told her they were a lawyer trying to collect a debt from me. I asked them to not call me at work again. I disputed the debt because of this and it was removed, I then received a letter asking me to pay the debt and the collection has reappeared on my credit report. This company are rude, unprofessional and aggressive. I have disputed this with XXXX  and XXXX but they claim that the collection and this company are valid.
Product: Credit reporting or other personal consumer reports

I sent XXXX dispute letters to Experian due to them reporting inaccurate account on my credit report. I asked them to investigate and if they found this account verified I requested proof. They never investigated and never responded. Under the Fair Credit Reporting Act they are required to investigate and provide me the requested information within 30 days or delete the inaccurate account, this company did nothing which is a violation of my rights under The Fair Credit Reporting Act. I am including the letters both the first letter and a second letter I sent them. They have had over 90 days and have done nothing.
Product: Credit reporting or other personal consumer reports

the accounts listed below are done with fraud .I never open these accounts. I have filed a police report and attempted froze my reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

XXXX XXXX XXXX has yet to refund me for over payment and the attorney they hired which was XXXX XXXX XXXX XXXX. The bill has been paid since XX/XX/XXXX and the debt is still showing active. Also the debt was over paid and error in credit giving by court documents. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX says one thing in his letters as threating and also tells me the issue is or past on to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX is very rude and thinks he can scare some one not to sue him. First thing XXXX XXXX owes me I don't owe him NOTHING he is the one in error on court credit as the court he entered the wrong amount in credit giving as the court document shows. Next the account was over paid and he owes me money as well for who retain him he received the money. The next issue is 3 garnishments showing on court records by him as not paid and 3 garnishments all the same one showing different amounts as well as ( ACTIVE ) & should show ( COMPLETE ) its been 4 months now nothing but the run around with XXXX XXXX and smart remark letters to my rights. Maybe he should do his job and learn to read and add and stop threating people what they can do. 

Next he tells me the case went to the XXXX XXXX XXXX and still sending me mail just as of the past week been XX/XX/XXXX and as if I owe him money on the same account in which there seems to be some fraud going on to the same account showing nothing paid 1 showing 20 percent and the other nothing but the same garnishment. XXXX check stub is attatch as proof as court documents and XXXX XXXX XXXX. 
It also seems very deceptive of the practice that's been done. 

Documents Attach as Proof
Product: Credit reporting or other personal consumer reports

Dispute was initiated XX/XX/XXXX requesting all documentation and information required to validate a debt by federal law standards the consumer reporting agencies responded debt was validated but sent no documentation to substantiate this claim Im asking the cfpb to monitor and uphold federal law also to be a material witness if any litigation occur from this fraudulent investigations And reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX fl, XXXX XXXX XXXX Social security # XXXX Alleged debt XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas I am writing to request validation of the debt referenced above In accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide me with the following information : 1. The original signed contract or application that indicates I agreed to the debt. Specifically, please provide a copy of the original contract with my wet signature. 2. A complete payment history, including the date the debt was incurred, the amount of the debt. 3. A detailed breakdown of any fees and interest accrued since the debt was incurred. 4. Copies of any and all documents that establish your legal right to collect this debt. 5. A copy of the payment schedule or account statements that substantiate the amount of the debt you claim I owe. I am requesting this information to ensure that the debt is valid and that I am indeed the party responsible for it. Under the FDCPA, you are required to cease all collection activity until this debt is validated. Please send the requested information to the address provided above. Thank you for your cooperation. I look forward to your prompt response. Sincerely, XXXX XXXX
Product: Bank account or service

CAPITAL ONE BANK USA ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CAPITAL ONE BANK USA or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CAPITAL ONE BANK USA or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX, XXXX, XXXX XXXX
Product: Checking or savings account

Chime lied to the CFPB in addressing my previous complaint. They state that they issued my closure check. However as of today XX/XX/year> they continue to state that my account is not eligible for a refund or reenablement. I have provided the documents they continue to request FOUR times. They continue to claim that there were " loads to the account that violate their terms of use '' however the documents provided prove this was a transfer from an account in my name to another account in my name and I was the originator and recipient of these funds. Nothing violates Chimes terms of use. I believe this closure was retaliatory because they failed to protect my account from fraud by issuing a new account number to stop the ACH fraud. They hide behind their terms of use however my account activity didn't violate the terms of use. Their willingness to blatantly lie to a federal agency and the ineptitude of their customer service agents is appalling and should merit some sort of intervention by this agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment status reported on XXXX  XXXX, XXXX   XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX with the credit bureaus for several attempts, to no avail.. They did not give me evidence or verification as to why they will not overturn the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to bring to your attention a matter of utmost importance regarding the illegal sale and purchase of my information, resulting from my victimization in the Equifax data breach. 

I request the immediate deletion of the following items from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached evidence confirming that Equifax has acknowledged my status as a victim of the mentioned data breach. Despite this acknowledgment, Equifax has taken no action to rectify the situation. 

Your assistance is urgently needed to expunge these illegitimate accounts from my credit reports.Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint.The stuff on my credit report is wrong.
Product: Debt collection

I received a phone call from someone in my cell phone contacts. When answering, it had an automated message that said to please hold and then played elevator music. I hung up and checked my recent calls and saw that a XXXX number had added itself to a contact in my phone. When looking up the number, I see that it is Midland Credit Management who have been calling and mailing me about a debt that is well past the statute of limitations. I block every number they call me from. 

I dont know how they added themselves to a contact in my phone but there is no way this is ethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a drunk driver hit me XX/XX/XXXX I paid a medical bill XX/XX/XXXX and somehow capio collections twice that I can see..in XXXX wrongfully stated I was in collections for it I want the false info removed this has been awful on me and they made my credit worse for no reason see attached