23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My credit report shows a debt from this institution LVNV Funding, when i have never consented or opened and account with them or an account of this amount, this company has not been able to produce a contract i signed with them to open this account or proving the debt is mine they just send bills and sometimes request different amounts to settle the debt. this false information from the institution is hindering my ability to use my credit and get a place to live
Product: Credit reporting, credit repair services, or other personal consumer reports

I consistently called these companies during the month of XX/XX/XXXX : XXXX XXXX XXXX Inquiry Date- XX/XX/XXXX XXXX XXXX XXXX Inquiry Date- XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date- XX/XX/XXXX Creditor Name : XXXX/XXXX XXXX   Inquiry Date- XX/XX/XXXX After being ignored by these companies I reached out to Transunion XX/XX/XXXX to have the incorrect information removed from my credit report. 
Transunion has failed to respond to my dispute letter sent on XX/XX/XXXX within 30 days. I have enclosed a copy of the return receipt which Transunion received on XX/XX/XXXX at XXXX. ( Tracking Number :  XXXX ) It appears that my rights have been violated according to the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letter to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX Balance : {$200000.00} XXXX XXXX  CARD XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX : {$23000.00} XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX CO Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX CO Inquired on XX/XX/XXXX XXXX XXXX AND XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Experian efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Experian is reporting inaccurate information on the accounts below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit breau keep reporting old child support that is still in litigation since 2016 I do not owe this debt this debt is not settled in the Court of law. I did not sign a contract with Child Support and they can not produce anything with my signature stating that I'm responsible for such debt. Futhermore this debt was obtained by Fraud for I was not present when this debt occured. The Children that this debt is based upon are not my kids and I haven't neither do I attend to take responsibility for kids that are not mine. If this credit reporting agency continues to report this inaccurate information on my credit report I will be forced to take the next stept which is file a law suite in Federal Court because they are violating the fair credit act.
Product: Checking or savings account

In XX/XX/2018 we found a {$200.00} withdrawal from our checking account with Bank of America that was not authorized. We notified the bank immediately and they started a fraudulent charge case and credited the {$200.00}. Nothing was received about it afterwards. 
XX/XX/2018 we discovered their was a {$200.00} hold placed on the account. When inquired the bank said they did not find the charge to be fraudulent and was taking the money back. When informed that it was not authorized they said they would " reopen the case '' and it would take 30 - 60 days to get it started and were not reimbursing the funds lost.
Product: Student loan

Why is the cut off for qualifying for PAYE XXXX XXXX? I started college in XX/XX/XXXX and thus got my first government loan then. My husband and I recently tried to get a mortgage ( we 've never missed a rent payment in the 7 years we 've rented ) but my monthly student loan payments were too high for us to qualify for a mortgage. I 'm on the IBR repayment plan but with my private student loans my monthly payments are more than XXXX % of our total monthly income ( and that does n't include my husband 's loans ). Will PAYE ever include borrowers before XX/XX/XXXX?
Product: Money transfer, virtual currency, or money service

Per our conversation, I am filing a formal complaint, regarding my wire that was not sent out. 

I went into the XXXX XXXX, XXXX, VA branch on XX/XX/XXXX. I signed a form for a wire transfer to go out in the amount of {$6200.00} from United Bank XXXX XXXXXXXX XXXX. I was informed by XXXX XXXX, branch manager, that it would go out that day. The transfer was to an estate account to pay Federal and State taxes. 

On XX/XX/XXXX, I was balancing my account, when I noticed the wire was never deducted from my account. I checked the other account and the wire was never received and the two government payments I sent were returned. 

I called XXXX and she said she would check on it. She called back and stated it was her fault, her system froze while processing and she put it in her pending and never went back to send it. I told her I wanted my return check fees paid as well as any penalties due to the checks being returned and not paid. 

She stated she would have to get permission from her Regional Manager and would get back to me and in the meantime, do I want her to sent the wire out. I said yes. 

The following morning, she called me again to ask me if I wanted the wire to go out. I stated I told her yesterday that I did. She said yes she knows but the wire was to old to sent out. At that point, I again stated to send the wire out and that I want her Regional Manager to call me directly.

The Regional Manager, XXXX XXXX, called me at XXXX pm. I missed the call, returned it at XXXX pm and left a message. I called back at XXXX pm. She returned my call at XXXX pm. 

XXXX XXXX, first question was, I understand there was a problem with your wire? I asked her if she had spoken with XXXX XXXX yet? 
She stated she had, but to provide her with the details. So I told her all of the above. She asked me if I had received the penalties as of yet. 
I stated not yet, but they are taxes for government agencies, so they are coming. I asked for a letter from the bank, stating they were the ones that did not send the wire and that is reason there were no funds in my account. She said when I receive notices from the agencies to let her know and she will send it to legal to see if I can obtain a letter. She did refund the overdraft fees from the other bank. 

I want the penalties reimbursed when I receive the amounts. I also want a letter from the Bank, stating : 1. I submitted the correct form for a wire on XX/XX/XXXX in the amount of {$6200.00} 2. The Wire was never sent out due to bank error, not due to any error by me I understand waiting for the penalty amounts to come in to be reimbursed, which I should be. However, I should not have to wait for a letter from the bank stating their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a letter from XXXX XXXX stating that the account should have been removed. The account still reflects on my credit file even after dispute. I received this letter dated XX/XX/2021. I now question what is being investigated because this should have been handled upon receipt. Who are you interviewing and investigating when the consumer disputes accounts and other information being furnished in my name?
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX - purchase made via Paypal XXXX - dispute initiated, goods not received XX/XX/XXXX - was told case wld be closed if seller didnt respond by XX/XX/XXXX XX/XX/XXXX - seller has not replied XX/XX/XXXX - seller replied, dispute closed in favor of seller. 

***what the seller sent was a portion of what was ordered and the items were not as described in their ads!! *** XX/XX/XXXX - claim escalated, items not as described and order was NOT complete XXXX - seller offers full refund if I return items and provide shipping info by XX/XX/XXXX XXXX - items returned, tracking number provided XXXX - Paypal denies claim, saying information was not provided. 

Please not there are DOZENS of complaints on XXXX forum about this seller who is obviously fraudulent. However the name the company advertises under is a XXXX name, not the name the bill shows up as. So there is no way to research the company before making a purchase. Paypal is willing doing business with this fraudulent company. It is a giant scam and Paypal let consumers be taken advantage of ; they dont care as long as they get their fees.
Product: Credit reporting or other personal consumer reports

PennyMac Files Notice of Data Breach That Leaked Thousands of SSNs XXXX XXXX, XXXX. 

On XX/XX/year>, PennyMac Loan Services sent out data breach letters to anyone who was affected by the recent data security incident. These letters should provide victims with a list of what information belonging to them was compromised. According to the Texas Attorney General, these notices went out in the mail to all XXXX Texas victims of the PennyMac data breach. Of course, there are likely additional victims throughout the country.
Product: Credit card or prepaid card

There was a Consumer Credit Transaction with a credit card as defined under 15 USC 1601. The three credit bureau added this transaction on my credit report in which I disputed the matter and the 30 day investigation led to XXXX deleted off my credit report which a decrease of {$190000.00} and Experian and XXXX  fail to follow suit. This has cause great damage to my name as well as my credit score to be in the negative for the last past few years which has cause a set back in personal life with legal issues as well.
Product: Vehicle loan or lease

My loan was paid in full in XXXX but I have yet to receive the title and the lender has not yet reported the payoff to the credit bureaus,
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX XXXX, I am a XXXX XXXX XXXX XXXX No. XXXX. I issued an invoice for legal services to XXXX XXXX, a client, for {$13000.00}. I do not regularly use Paypal since I work primarily as in-house counsel. The client paid the {$13000.00} on XX/XX/2022. Paypal then refused to release the money. First it requested documentation of various sorts, which I provided XX/XX/2022, the same day. I provided my driver 's license, attorney identification card, a copy of the docket sheet that showed some of the court work I did on the case. Paypal wanted proof that I purchase supplies ( I provided the docket sheet- I'm a lawyer I don't purchase supplies to sell ). Paypal charged {$470.00} for the transfer then said it needed time to investigate and did not release the funds. I then refunded the client in total on XX/XX/2022. Paypal withheld the {$470.00} and stated that the rest of the client 's funds had been returned. I checked with the client that day. He said he had not received the funds. I checked again today, XX/XX/2022 - 5 days after I ordered a complete refund. The client said that his Paypal account stated that the funds had been returned but he had zero dollars credit in his Paypal account and zero credit to his bank account ( from which he had withdrawn the {$13000.00}. ) My Paypal account shows that Paypal refunded {$13000.00}. You can confirm with my client at XXXX. I can also provide the invoice and ledger. 

Paypal stole {$13000.00} from me and my client. That's a lot of money. I tried to file a complaint online against Paypal with Paypal, but the company website only allows me to file a complaint or open a dispute against a customer or another vendor. Paypal will not be accountable for its actions. 

I went online and discovered that other people are having horrendous problems with Paypal acting fraudulently. Paypal must return the entire {$13000.00} to my client, XXXX XXXX. Under no circumstances should Paypal be permitted to keep a {$470.00} fee for doing nothing except refusing to give me my money. Paypal is basically an organized fraud outfit and needs to be shut down. We need your help. 

Please intervene.
Product: Credit reporting or other personal consumer reports

There are no amounts just hard inquires for XXXX XXXX  and also wells Fargo i have not applied with anything through both places i actually bank with well Fargo and has been a customer since 2022. Never applied for any credit cards or anything. Please remove this. It stopping me from moving forward in my life. I want to have great credit for myself and children please remove i did not apply. 

Thank You XXXX
Product: Checking or savings account

I sent a check to XXXX XXXX XXXX for {$4800.00} this check was stolen thru the mail I presume when i received a call from law group they hadnt received check i call my bank and asked for a copy the check was altered by someone who used Santader bank XXXX XXXX this is what name was on it
Product: Checking or savings account

Bank Of America has frozen, and begun the closure of my business bank accounts, effective XXXX, without notice. My bills, and outstanding payments are being returned, and I don't have access to my working capital. This is blatant discrimination and retaliatory, as a result of the complaints that I have submitted to the CFPB. 

There is currently an open complaint, regarding a previous banking error. Bank Of America has decided to retaliate against me, and close my XXXX business bank accounts, which have always been in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made arrangements to pay off this debt that was in collections in full and to have it removed/deleted from my credit reports. I've paid it and they didn't remove it as promised.
Product: Debt collection

I didnt use this Account info Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX The second one : MIDLAND CREDIT MANAGEMEN Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$500.00} past due as of XX/XX/XXXX. 

The third one is : I believe there is a third one but I cant see it because I open it one app right now
Product: Mortgage

I started an application through chase for a refinance, they collected {$500.00} up front fee. to start the process. they never told me it was not refundable but would be applied to closing costs or appraisal they got my fee to start refinance the process started and I got very little response and they would not return my e-mail or correspond back to me for weeks. The process was months, they told me that they were sorry and that they were so busy. They would not refund my money back to me and told me it was for closing costs and appraisal fee even though there was no appraisal or did not close. I felt bullied throughout the process and felt like I was taken advantage off. That kind of money puts me in a hardship and they would not give it back.
Product: Credit card

A purchase was made with my card that I did not authorize. After 2 years of disputing the card, Apple Card refused to refund my money. After asking many times to provide me with the dispute result information, they stated they would but never did. They claim I have the product that was purchased with my card. I have told them my card/phone was stolen when the purchase was made.
Product: Money transfer, virtual currency, or money service

I had been applying for payday loans online to help out my current financial situation. On the morning of XX/XX/19, I received a call from a person pretending to be speedy cash. I was told they had approved a loan of {$5000.00}, but we had to boost my credit score first. They sent over official looking loan documents and even deposit {$790.00} into my bank account. All I had to do was return the {$790.00} to boost my credit score and receive the loan. This was a busy and stressful day for me, so I didn't put a lot of thought into it at the time, and I was desperate for the money. I was instructed to purchase gift cards called " steam '' for the amounts released by my bank ( XXXX XXXX XXXX XXXX ). The bank only released {$200.00} on the same day as the mobile deposit was made and then only {$200.00} the next day. On the third day, the check was returned by my bank and I was out {$410.00} ( i was charged a return item fee by my bank )
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies.

( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Also, ( b ) Duties of furnishers of information upon notice of dispute ( 1 ) In general After receiving notice pursuant to section 1681i ( a ) ( 2 ) of this title of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 1681i ( a ) ( 2 ) of this title ; ( C ) report the results of the investigation to the consumer reporting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( XXXX ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( XXXX ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information.

Also, 15 USC 6801 ( a ) Privacy Obligation Policy 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am challenging the information with creditor indigo this creditor has several inaccurate information this is an unverified account. unverified items i have also challenged this creditor the high balance doesn't match XXXX shows {$670.00} others are blank last verified is missing for two bureaus XXXX  shows XX/XX/XXXX date of last activity doesn't match XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX Equifax XXXX date reported is doesn't match XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX Equifax XX/XX/XXXX closed date XXXX shows XX/XX/XXXX others are blank why are the not showing the same two year payment history XXXX  shows nothing XXXX  is reporting and Equifax is not
Product: Credit reporting, credit repair services, or other personal consumer reports

I first contacted XXXX XXXX on XX/XX/22 and provided the following message : We are contacting you regarding the above mentioned loan and an error that occurred with our XXXX loan payment. The payment was returned in error by our bank, XXXX, and therefore caused our payment to be reported as 30 days late to the credit reporting agencies. We've obtained an official letter from our bank acknowledging this error. Please see the attached. We are requesting that based upon this acknowledgement, that you retract the notification to the credit reporting agencies that our payment was 30 days late. 

I received the following message back from XXXX XXXX on XX/XX/22 : Subject : XXXX : Regarding Loan XXXX Dear XXXX and XXXX XXXX : Thank you for contacting us about your account. At XXXX XXXX, it is our objective to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) when we furnish information about a consumer to a consumer reporting agency. Therefore, our commitment is to research all actual disputes submitted to us to ensure that we are reporting accurate information to the consumer reporting agencies. 



After receiving your dispute, we have reviewed your account information to verify the accuracy of the information on your credit file. As a result of our investigation, we submitted an update to the consumer reporting agencies to which we report to update your account as current with no delinquencies. Please allow up to 3 business days to view the updated information on your credit file. Please see attached response letter for your records. 



If you have any questions regarding this issue, please contact us at XXXX. 



Thank you, Credit Bureau Update XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX Celebrating 33 Years in Business My credit report was updated after the letter was provided, however, the credit companies went back to reporting the late XXXX payment. I've submitted disputes, but First Investigators continues to inform the credit companies that the XXXX payment was late.
Product: Mortgage

I have my mortgage with Caliber Home Loan since XXXX. My loan got transferred to XXXX Mortgage in XX/XX/XXXX. In XX/XX/XXXX, my bank account was compromised, leading to fraudulent activity that resulted in my card and account being temporarily locked. Unaware of this, I attempted to submit the payment to Caliber home loan, not realizing the transaction had failed to process. Upon discovering the issue in XX/XX/XXXX, I promptly contacted Caliber to rectify the situation. 

However in XX/XX/XXXX, I found in my credit report showing the 30 day late payment from Caliber. This is confusing, since XXXX is reporting theyve been servicing my loan since XX/XX/XXXX and thats the same month Caliber is saying my payment were late. It seems like Caliber should not have had my mortgage that month, which makes me wonder if this was a mistake. 

my mortgage was transferred to XXXX in XX/XX/XXXX. I kindly ask for Caliber 's understanding and patience during this transition period. It is important to note that this incident was an anomaly, as I have maintained a consistent record of timely payments over the past five years.