23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

on XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX stating that acct # XXXX XXXX Ref # XXXX Debt Description : PAYPAL ACCOUNT Amount of Debt {$61.00} needs to be paid & the options I have to settle this debt. 
I contacted Papal at XXXX & was transferred to the collection department when I supplied the account # on the letter. They stated this was a fee for a transfer deposit totaling over {$2500.00} to this PayPal account from XXXX XXXX for some sort of custom knives in XX/XX/XXXX. She suggested that maybe I sell things like on XXXX, which is incorrect. I have never used Paypal to sell things. There is a charge of {$61.00} fee to receive the funds. I inquired what bank account this PayPal account was linked to as it is separate from the legitimate PayPal account that I actively use. She stated this account was never linked to a bank account & she asked me to verify my email address. I gave her my email address XXXX. She said that does not match the account but she would be unable to provide any more details regarding this account because it was sold to XXXX XXXX. I requested to close the account so it may not have further use & she stated that XXXX XXXX would assist me with that. If I want details & proof of the debt/transactions I have to contact XXXX XXXX. She gave me the # to contact them at XXXX. 
I contacted XXXX XXXX at the number provided PayPal per their instruction. XXXX XXXX required I give them my personal information which I did not feel comfortable doing just to talk to them regarding the debt. Then stated they do not have any details regarding the debt, nor can they close the account. They just know the balance & are seeking payment of the debt. They can not provide proof of the debt. The notice I received in the mail says I can request proof of debt from XXXX XXXX. He then stated he would be marking this as a disputed account & no further action would be taken until the investigations team could take a look at the account. I requested to speak to someone on investigations or anyone that could give me more information & he just reiterated that they do not have details regarding the debt & said this will be referred back to PayPal for payment & resolution. I should receive a letter from the Investigations team around 60-90 days from now detailing the outcome of the investigation that I apparently don't need to play a role in according to PayPal & XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

please find attached the creditor letters for which they have approved to remove the inaccurate late marks from my credit, please help me to have experian remove these negative marks remove as well, the other XXXX bureaus have already removed except experian, i have tries to upload these letters to experian but they are not willing to remove, even though the creditor has removed all the negatives please help me to remove from experian thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX and TransUnion credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. You 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 ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following addresses are not mines : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX
Product: Debt collection

XXXX XXXX XXXX, sent my debt to collections. I did owe this money and paid it on XXXX XXXX, 2015 in the amount of {$950.00}. Debt was paid to directly to XXXX XXXX XXXX. Tracking # received from XXXX XXXX XXXX XXXX XXXX. I have called XXXX XXXX XXXX several times and they have not notified the Collection Agency to remove this from Credit Report. I have also contacted the Collection Agency, Address and Phone # below and they also have not taken action to clear this up on my Credit Report. Enhanced Recovery Company, XXXX XXXX XXXX XXXX XXXX XXXX, Phone # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per review of my student loans, which started in the year of XXXX and was consolidated in the year of XXXX for the PSLF. My qualifying payments were IBR at {$0.00}. These loans were created for me to attend and graduate XXXX  XXXX  XXXX. Currently, I have a Borrowers Defense Application in place that is pending/processing since XX/XX/XXXX for the XXXX  XXXX XXXX loans because of the inaccurate information, fraud, and absent accreditation. Also, during this time I went back to school at XXXX XXXX XXXX ; XX/XX/XXXX, which has placed my current loans in a deferment. I was not made aware of this deferment, or was this information told to me. When I submitted my PSLF application and was approved, I was not made aware that if I was to start college again that my old school loans, that have nothing to do with my schooling now, would be affected. The other inaccurate information is Fedloan reporting my school loans on my credit report stating they will fall off my credit report in 7 years which will be XXXX. This is not correct as I received my loan in XXXX and this year of XXXX and month of XXXX, all account information of FedLoan should not be reported onto my credit. The reason it states " XXXX '' is because I made a conslidation on my loans but that doesn't change when I got the loans per when I spoke to XXXX. Ive already made a status change dispute of this to the credit bureau, and it was processed on XX/XX/XXXX, by FedLoan - " Dispute resolved - consumer disagrees. Before disputes were made, on Friday XX/XX/XXXX, I made a phone call to FedLoan customer service to ask what my best approach to my school loans at this time would be. This is how I was made aware of the deferment on my account and with no reason why. I asked about my loans being removed from credit and the representative stated, that is not accurate information, after 7 years only late payments fall off. I asked how long a wait would be on a Borrowers Defense Application and received an answer of over a year. FedLoan as a company has made it hard to move forward, be knowledgeable about account information, and has failed as company to keep me updated on my own information. Per credit bureau, after 7 years, a school loan does fall off your credit your report. Customer service should not be stating inaccurate information to current students, customers, members or whomever. After receiving the dispute results, I sent a certified letter to FedLoan, and only received a signed certified tracking card back. I waited 30 additional days with no payer correspondence. Again, I am asking for just the school loan to be removed from my credit report. Thank you.
Product: Money transfer, virtual currency, or money service

Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was impossible. The CFPBS finding indicates that Zelle has only not neglected to protect consumers but has also allowed repeat offenders to employing the system. 
XXXX
Product: Credit card or prepaid card

I disputed one credit card transaction two times with Chase. Chase considered that transaction valid. I feel that it should be not right, as I've never got service from that agent//merchant to whom I paid. In addition this service was paid by two credit cards, one was Chase, second one was XXXX XXXX XXXX XXXX XXXX XXXX considered that transaction as a not valid. The transaction was made at Chase XXXX with XXXX XXXX  XXXX, I but fly tickets via the phone, I paid {$610.00}. When I came to airport next day, I was told by airline workers that my tickets were canceled and money were issued to refund to the agent. I contacted the agent, he told me that they will refund my money back, and they never did. The agent stopped answering my text massages, and when I call they don't answer or he says that they need to check it out and never call back. When I disputed transaction second time I attached evidences as copy of text massages with the agent and screen shot from airlines website which prove that I have never got service, that money was refunded to the agent, and that the agent promised me to return my money and never did. Chase made there decision based on contacting merchant and that transaction is valid because service was available for me or I received service. When I called Chase after that, they told me that they made there decision because the agent provided them the policy that money for service is not refundable. I got fist letter from Chase on XX/XX/XXXX, second letter on XX/XX/XXXX. Please, contact me if you need more information, I have letters from the bank and I have evidences that I have never got service from that merchant.
Product: Mortgage

I have requested mortgage assistance with my servicer Select Port Folio, my request is being processed. Received letter from foreclosure attorney dated XXXX XXXX XXXX XXXX stating a property foreclosure sale is set for XXXX. State of Tennessee requires the homeowner to receive notice of foreclosure sale 30 days prior to the sale date per Tennessee Code Annotated. Didn't receive letter until XXXX that is not the required 30 day notice. Did not received letter stating the mortgage debt is being accelerated from my mortgage company or the amount of the mortgage debt. from mortgage company or foreclosure attorney. Select Port Folio sent me correspondence stating a property foreclosure sale WOULD NOT be set for my home while they were processing my request for mortgage modification. 

Please Help See Attachments
Product: Credit card or prepaid card

I contacted Capitol One on XX/XX/20 about my Walmart credit card dispute on a charge that was made by a scammer vendor XXXX for {$1900.00}. When I contact Capitol One they are claiming that XXXX needs to refund me and when I contacted XXXX they are claiming that Capitol One has a charge back that is active. XXXX is claiming that they are willing to refund my money buy is not doing it and sending false documents to Capitol One, when I contact Capitol One they are referring me back to XXXX. Capitol one had the charge back and my account was credited but they took the credit off and it is a active charge now. 

PLEASE HELP ME. BOTH OF THESE COMPANY ARE TOUGH TO DEAL WITH!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i got an alert that I authorized an credit check with XXXX/XXXX for an account. Which is impossible. I was sick in bed. I called XXXX to clear it up the were very understanding could not find anything. I call Experian who put it there they absolutely refused to do anything and said it would stay on until XX/XX/2020. XXXX said they saw no where in there files where I seeked a credit application.
Product: Credit card

I have paid my bill by the XXXX or XXXX every month, its due on the XXXX. 
I have actively paid my bill down after using it to make a big purchase for my home. 
I was never notified they were closing my account. 
I was sent a new credit card to activate at the end of XXXX for Lowes. 
When i went to sign in and pay my bill yesterday, the account had an alert that it was closed. 
I immediately called after work and the woman i spoke with said there was no letter on file in my account and put me on hold for over 10 minutes while she " looked for it. '' I was then told that even though i have made every payment, they ( being synchrony ) just decided to close it based on my credit score. 
My credit score has not changed negatively since having this card. 
They are supposedly " resending '' the account closure letter to me. 
I haven't even had this card a year yet- this is predatory. Telling me my credit looks bad so cancel my card... making it work? In addition to the utter lack of professionalism and zero communication.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to report a child support collection without providing me with the documentation or the persons name who they spoke with that verified this information. I contacted the child support office and they stated that did not report this account with either consumer agency and it is widely known that each consumer agency sells consumers data for profits to solicit business from other companies this is illegal because they do not have my consent and by reporting this information it is causing me to be denied credit which is a violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX did a hard inquiry on my report when i applied to preapproved offer which was preapproved hardest preapproval i ever had
Product: Mortgage

I have been fighting with this bank since I came back to island and found out that somehow they acquired my loan from my prior lender. I have everything set on auto-pay for my mortgage from my lender for years so there would never be any sort of issue. 

I was off island on international travel and had no access to snail mail - once I returned, I found that M & T Bank had bough my mortgage roughly three months prior. However my payments kept going to the old financial institution. I provided all proof that the payments were in fact made to the old bank, and wrote letter after letter that I was out of country and had NO way to know this had transpired. NOT one phone call from M & T Bank to tell me they were my new lender or that I had outstanding payments with them - when I asked WHY I did not get an email or phone call I was told they do not have my contact information - so let me get this straight, you can buy out my loan on my mortgage but not have my phone number? This makes no sense whatsoever.

They reported me 60 days late on my credit report which was well over 800 and now dropped over 160 points because of this - I had my own current bank prove the payments were sent from my checking account and the funds withdrawn every month ( so I would have had no idea there were issues ), the old mortgage company even sent a letter to M & T Bank stating they did in fact receive the payments and they ended up refunding those to me. All of this was faxed to M & T Bank as requested and letter after letter they mailed back and said NO they will not fix the problem. 

The money was eventually paid to M & T Bank however due to no fault of MY OWN I now have a significantly impaired credit rating and they still refuse to take off the {$140.00} in late fees. 

This bank is a sham - I am reporting them to federal lending act as well as the VA as my mortgage is backed by the VA and this organization should not be allowed to service or take advantage of veterans. 

I have been dealing with this nightmare for well over 8 months and they REFUSE to fix my credit or take off the late fee.
Product: Debt collection

We received a call on XXXX at XXXX from Biehl and Biehl XXXX from XXXX trying to collect debt. XXXX was advised that our account was out for the day and that she would be in the following day. I took down his information which was XXXX his direct line again his name was XXXX. 

Today XXXX called again XX/XX/11 at XXXX accused the accountant that he spoke with her on XXXX and she said I'm sorry but i was not here that day. He said i was waiting for your return call. Shes stated again i was not here that day, you spoke to the other girl. Okay well when can i receive payment. She asked what account are you calling for. He stated he was with a collection compang for XXXX XXXX. And stated so when can i expect payment. She advised him. Whenever I recieve money in i will be able to make payment. He states when will that be. She stated Im not sure. He then said you know have 13 outstanding bills dated back and your telling me you can not pay them. Again she stated I do not have any money to make a payment right now. When i can I will. He stated when will that be, she said again i dont know exactly when I will be able too. He said again how can you not make a payment, youve known for that last 7 months to make a payment. She stated I understand. He proceed to cut her off and said how do you understand if you are not able to make a payment knowing that you owe. So how do you understand? During this conversation I the XXXXXXXX XXXX was sitting listening to the phone call, Told her to say to please stop calling and only email. That this is her harassment. She advised him to please only email her and to not call again. He stated well what good is that going to do, you have been emailed and you still havent done anything. So I Assistant manager took over the phone call and advised him to only email us and to not call again it is against the law to for you to contact us via phone again, i will report it to the FCRA, He then stated what good will that do. Nothing ever comes out of it. So when will you make payment, I advised him again to not call and only contact us via email. He again said, so when will make payment. We already told you we dont have the money right now and we will when we can. Again he stated when will that be, i said please and he cut me off and again when will you make a payment. I tried to talk again and he kept cutting off. i tired to talk, could not get a word in i said this is harrassment and he kept talking and I hung up the phone. Guess what he called again at XXXX. After I had already advised him to not call. Violating rights. My parts guys answered the phone. I hung it up. I will not be talked to the way he did to us.
Product: Money transfer, virtual currency, or money service

I had stored some crypto which is around XXXX ( XXXX ) in my coinbase wallet in XX/XX/2021 and it lost from my account without my authorization. I contacted the coinbase wallet but they said they are not responsible for the loss.
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.

15 USC 1681 Section 602 states, I have a right to privacy.

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

15 USC1681c ( a ) ( 5 ) 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 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.

1. XXXX, Account # XXXX 2. XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX 3. XXXX XXXX, Account # XXXX 4. XXXX XXXX XXXX XXXX, Account # XXXX Inquires : XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX US SM Bus admin oda XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

Every time I call santander to process a payment over the phone with their customer service, my payments never processes and I constantly hit with a 30 day late pay on my credit score it have happen 4 different times. Everytime I submit an investigation it take me to call them no less then 5 times to get the situation resolved and they constantly claim they do not have records of my calls but every call is recorded and when I asked to have the recording pulled so they can see I called to do a payment it turns out I am correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing about a XXXX  card that was opened on XX/XX/XXXX and closed on XX/XX/XXXX. The situation is my account was closed due to a misunderstanding. Fast forwarding they had agreed since everything was paid off they would remove this account from all credit file agency 's. 

The main issue is it says account closed by credit granter. I always paid them on time and this whole thing was a misunderstanding. When they tried to call me I never got the call. I was a good client for years and as there supervisors told me they understood why I would feel the way I do and would remove entire thing from file. They have yet to do so. 

I have good credit and don't want a misunderstanding on my credit report. I would hope XXXX  honors what there supervisors had said. I have spoken to them several times.