23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am showing XXXX collection accounts on my credit from Americollect. It states they are collecting for XXXX XXXX. I have a few issues with this collection agency. The first is I never received a notice from this collection agency to dispute or validate the debt. I had to call XXXX XXXX to find out what this was, who stated they sent a XXXX balance to Americollect. The last statement I received from them was XXXX 2015. Only recently I checked my credit to find Americredit reporting not XXXX account for XXXX but XXXX accounts for XXXX. It seems to have been opened with them around XX/XX/2015. Not only did I not receive written notice from this collector, they are not following guidelines of the FACT act. This debt collector continues to report this debt each month as if there has been activity on this account or payment is being made. My credit score recently dropped XXXX points because they are reporting this over a year old debt as a new debt. Overtime this account should have a less affect on my credit.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( block. Inc ) due to inadequate customer serviceand unfair practices which violates the customer financial protection act ( CFPA ) specifically, cash app failed to take timely and effective measures to prevent and address fraud on thier platform leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the election fund act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial lost and i seek appropriate redress for these violations
Product: Mortgage

My husband and I are trying to pay off a PNC conventional First Mortgage. My husband had filed chapter XXXX due to business issues. So we are in the bankruptcy Department. My loan is approved with another company. PNC refuses to give a payoff with the per diem. The new mortgage company and Title Company need a payoff plus a per diem to make their closing disclosure accurate. PNC tells us that they give the figures to the bankruptcy attorney. The bankruptcy attorney then takes 5 days to mail us a payoff which goes to our bankruptcy attorney. And the payoff is only good till 1 or 2 daysb after the date of the letter. No per diem. When we ask the attorney 's office for a per diem they said PNC will not allow it. When I ask PNC for a per diem they say the attorney has to provide the information. What a scam. When we asked the attorneys office for a per diem.they said PNC will not allow it.. What a scam.
Product: Debt collection

The bill from the original creditor XXXX XXXX XXXX XXXX was thought to be a duplicate and in error and was therefore not paid. I have since confirmed with XXXX XXXX XXXX XXXX that the bill was in fact correct in the amount of XXXX and attempted to pay in full, but was told that the bill was handed over to XXXX and to pay them. XXXX is attempting to charge interest above and beyond the original bill for a total of XXXX, without disclosing first that interest charges would be applied or how they are calculated. I attempted in good faith to pay the original bill of XXXX in full on XX/XX/XXXX at XXXX with a XXXX rep over the phone, but was told no exceptions would be made for the interest and was threatened that if I did not pay in full XXXX XXXX may not provide XXXX services to me in the future. 

I am disputing this bill as : It is a misrepresentation of the amount owed I was threatened with refusal of future medical service if I did not pay
Product: Credit reporting 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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX All Acccounts Have Violated My Rights 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information ins inaccurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX a {$5000.00} transfer was made though XXXX app from XXXX  XXXX XXXX from a family member to me XXXX XXXX at chase bank. As soon as a received it I asked for a reversal because I didnt want the money. The money was a gift and didnt want to take it. The bank employee advised me the sender will receive the money in XXXX. When they didnt receive it I called back and I was told it would take 6-8 business days. I called back again I was told that they needed to do investigation and was not sent back to the bank until the XXXX to wait another XXXX and waited. I called back on the XXXX of XXXX and they said it was agin not released until the XXXX and the sender will receive it by the XXXX the latest. There is over 3hrs of wait every time I called!!! Every time I called there is different answer!!! So much run around. There is no answer. I asked if they cant deliver it to the sender to just refund it back to my account and they said there is no way of doing that. On the XXXX I was told I will get a call back from a manager No call back. I went to the chase bank this morning at XXXX I stayed for XXXX. It was horrible. The supervisor tried to help but had to wait on the phone to speak with Custmer service. All they said was it left my account on the XXXX and there is nothing they can do about it. They said to call XXXX  XXXX XXXX and we did call but they said there is no trace of a return. XXXX  XXXX XXXX cant do any thing about it. I dont know how to get my {$5000.00} back!!! It just cant disappear. I dont have it and my family member doesnt have it!!! Please help. They have dined the claim saying it left their bank and there is nothing they can do about it!!! Chase has been awful experience. I dont understand why they cant trace it and follow through to make sure what happened to it!!!! XXXX or chase some one needs to take responsibility and resolve the issue now.
Product: Mortgage

I am a   XXXX   XXXX   XXXX  working with the borrower,  XXXX   XXXX . His loan is with  Fay Servicing. I submitted a loan modification request to Fay   XXXX / XXXX / XXXX . They have been continuously requesting documents since that time, which we have always provided and they never provide a decision on the file. As of  XXXX / XXXX / XXXX , I received communication from the assigned single point of contact,  XXXX   XXXX , stating that the most recent documents we submitted were received and were under review. Now, my clients just received a notice of a foreclosure auction date of  XXXX   XXXX ,  XXXX . There are several violations here. First , Fay has taken well beyond the 30-day ti me frame for making a decision on the file, which was originally submitted  XXXX / XXXX / XXXX . Second, scheduling an auction while the  XXXX  's are still in active review for loss mitigation is clearly a violation of the CFPB 's prohibition on dual tracking. I have advise d Fay of my concerns by leaving three voice mails, sending three  emails, and calling numerous times. My calls and emails have been ignored by  XXXX   XXXX  and all others contacted at Fay.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : XXXX there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

This is my SECOND NOTICE that I'm DISPUTING inaccurate personal information found on my credit report. 
The following information is NOT ME and I have NO RELATIONSHIP to it. Please remove the following information from my credit report immediately- If you continue to report inaccurate information I will be filing a lawsuit for wilful noncompliance to FCRA regulations. 

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

In XXXX, XXXX, XX/XX/XXXX and most recently in XX/XX/2021 I sent dispute letters to the credit reportimg agencies about fraudlent inquiries. It should also be noted I sent an addidtional letter on XX/XX/2021. I have requested investigations into the matter and I requested that they send me a full description of the procedures used in the investigation and to be sent proof of my consent for my file to acessed in my recent letter. 

Its been almost 6 months and I still have not been notified or see any updates or changes to my credit report. NONE. Not one single acknowlegment OR ANY CHANGES OR REMOVED INQUIRIES!!! 
I send the letters certified so I know they are recieving them but I am being ignored AND WHEN I CALLED RECENTYLY THE REPS WERE NOT HELPFUL!
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered a consumer credit transaction with US DEPT OF ED/XXXX  and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which is false Pursuant to federal law. They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that US DEPT OF ED/XXXX  claim I owe. US DEPT OF ED/XXXX  has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Product: Checking or savings account

Me and my husband bank with Wells Fargo. We have a child and only have one income, which is mine. I disputed Transactions because there was so much on my account and my husband said it wasnt him and it was not me. I was underway at the time I told them I didnt have my card and I left my wallet in my rental car at that time. I submitted a claim with 49 transactions and told them it wasnt me. They denied my claim of {$3700.00}. Which is bad for me because I was late on my rent because of the transactions and now Im even gon na be more late because I dont make that much money too lose that much. Im in the XXXX and I dont make that much. I submitted the claim on the XXXX of XXXX and it was closed today XXXX XXXX. The claim number is XXXX. I called them today XXXX XXXX to see why and see what I could do to reopen the case and have them look again because Im going to be in the whole for so many bills. And they hung up on me. Now Im facing eviction because they denied it, but it was not me And they did this before when I submitted a claim on XX/XX/year> for {$3300.00}. That claim number is XXXX. Because they said I had my debit card at the time. My husband was home. He was not at XXXX and I was at work for the military, which I told him I could provide them proof of that and they still didnt want to open and look at the case. I just really need them to look at these. This is not me or my husband he even said on the phone it wasnt him. I just need some help because this is over {$6000.00} that was taken away from me and they wont do anything and I dont have money like this to spare. Im already behind on so much bills. And I told him yes I do write my pin on the card just because Im very forgetful and it helps me because I stress a lot due to being in the military so Ive cant remember everything and they didnt wan na help so please have them look over these two transactions.
Product: Mortgage

On XX/XX/XXXX, the company issued an escrow surplus, but seems to have doubled the escrow surplus in their database, showing one refund in the amount of {$2000.00} and one in the amount of {$2000.00}. I only received one check in the amount of {$2000.00}. This resulted in an escrow shortage of XXXX. {$2000.00} is missing from my escrow account, which should be in the account to pay for taxes and insurance. I immediately put {$1500.00} back into the account so there is something to pay escrow, but that {$2000.00} is missing. 

The company also then immediately issued a new monthly payment amount to pay for the " shortage '', which increased my monthly payment from {$1000.00} to {$1100.00}. I attempted to contact the loan servicer via their " chat '' function on XX/XX/XXXX, which was unhelpful ( " maybe there's a problem with XXXX '' ), and I contacted them on their email portal on XX/XX/XXXX, and received their standard " we will get back to you '' response. 

My loan was transferred to this servicer in XXXX of XXXX, and this is the third serious problem that I have encountered with this servicer, and I have never received a response through their email / complaint portal. The first time, they did not pay the homeowner 's insurance, and I paid it directly when I received a notice that the insurance would be discontinued. The second time, the taxes were paid late ( the servicer did pay them eventually ). For this issue, I can not directly take care of this problem myself, as they have lost money that should be in the account. This servicer seems to have serious problems with the work of servicing mortgages.
Product: Credit reporting, credit repair services, or other personal consumer reports

hey, i wrote a dispute about inaccurate personal information on my credit XX/XX/2020 and i still havent recieved a response. under the FCRA the company involved is suppose to respond within 30 days and have not done so. i would like this information deleted immediatly please.
Product: Debt collection

No communication from debt agency at after multiple attempts to get information regarding origination of debt. Keep hitting my credit report for a debt they can not prove is mine.
Product: Student loan

I tried to consolidate through XXXX XXXX  XXXX on XX/XX/2019. They stated that they were connected with the federal government. I asked many questions, but the one question that I asked the most and every time I called was if there were any charge associated with the consolidation. Every time their answer was that they were part of the government and there is never any charges and that any fees will be applied to my current loan. They clearly stated that the {$230.00} that I paid in XXXX, XXXX, & XX/XX/2019 would be applied as a payment toward my current loan. They even told me not to pay anything toward my student loan because that amount of {$690.00} would be applied to the loan once the consolidation was done. When the consolidation was in the final stages, I called great lakes to see why the {$690.00} had not been forwarded to my XXXX XXXX. They told me to wait about 10 more days and it would be sent to XXXX XXXX. After the 10 days I called back because it had not been applied, by this time everything was finalized, this is when great lakes told me that the charge of {$690.00} would not be applied to my current loan and they were keeping it. It is very disheartening that people are so dishonest, especially here in America.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX, ACCOUNT NUMBER XXXX, BALANCE {$5500.00} XXXX XXXX, ACCOUNT NUMBER XXXX, BALANCE {$1100.00} XXXX XXXX, ACCOUNT NUMBER XXXX, BALANCE {$1100.00} XXXX XXXX , ACCOUNT NUMBER XXXX, BALANCE {$22000.00} INQUIRIES 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 

15 U.S.C 1681 section 602 A. States I have 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

XXXX statement- made an online payment, interest was charged XXXX XX/XX/XXXX statement - made an online payment, interest was charged XXXX XX/XX/XXXX XXXX no interest charged XXXX statement date XX/XX/XXXX large payment was done and interest charged XXXX.
Product: Checking or savings account

I rented a Van through Sixth in the airport of XXXX XXXX XXXX for XX/XX/XXXX through XX/XX/XXXX. I paid for this in full before arriving using XXXX. Upon arrival I had to put a card number down for incidentals, but was told it would not be charged. I returned the van in the same condition as well as filled up the tank. I took video for proof just in case. After returning to the United states I was charged an extra XXXX dollars from XXXX car rental a week after XXXX was returned. I called XXXX and was informed that the rental agreement was not XXXX but rather XXXX even though I have confirmation of vehicle being paid in full. I disputed this with my bank who initially refunded me the amount while they investigated the issue. I sent documentation and receipts for van rental and agreement to PNC to aid their investigation. They recently reversed the funds due to the company not responding so I was told it was incomplete. I filed another dispute with my PNC bank and they said they will try again but if no response again within 10 business days there is nothing else they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  HAVE FRAUDULENT INQUIRIES - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT FOR THE DATES LISTED. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO. THIS HAVE TO BE AGAINST THE LAW.
Product: Money transfer, virtual currency, or money service

I have been receiving emails from PayPal addressed to XXXX XXXX ( I do not know anyone by this name ). The emails are sent to XXXX, whereas my email account is actually XXXX. XXXX does not pay any attention to periods in email addresses, so regardless of how many are included and where, they will still deliver to the same account based only on the alpha numeric symbols in the address. 

I have tried forwarding these emails to XXXX which is the only option available through PayPal for reporting this. They have always replied that they will not close the account or remove XXXX unless I am able to email them from that precise address. The issue is that XXXX will only let you send emails from the address you registered with ( XXXX ) even though they will deliver regardless of periods. 

After repeated attempts with PayPal I see no other option than to escalate through a CFPB complaint in hopes that hearing from you folks will cause them to actually take action here. 

Note I have tried resetting the password for XXXX so I could log in and close the account myself, however they refuse to do a password reset unless I provide a government ID for XXXX XXXX ( again, I don't know this person or whether they even exist ).
Product: Debt collection

Portfolio Recovery has not complied with a debt validation ( for XXXX XXXX XXXX XXXX  XXXX XXXX ) request and continues to report this account on my credit report with a {$1800.00} balance. Not only has the debt not been validated, but the statute of limitations has passed this account which is more than 7 years old. I would like to the debt removed from my credit report and for my validation request to be completed.
Product: Credit card or prepaid card

I have reached out to Wells Fargo requesting a letter for our lender saying our CC 's have been paid off. They refused to send it to anyone else rather than my lender allowing me access to my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information and accounts listed on my Consumer Report that are Not authorized by me, which leads to Identity Theft. The information being reported are transactions NOT authorized by me.
Product: Credit reporting or other personal consumer reports

Hi, I am asking Trans Union and XXXX to update my XXXX XXXX credit change my status from late to current. I wrote the CEO of the company and he fixed it for me on my file and they have not updated it yet.
Product: Mortgage

I purchased a foreclosed home back is 2005 for XXXX. We could not get a conventional loan so we were able to get a stated income, adjustable rate mortgage. I remember the mortgage company telling me to say I made {$100000.00} a year so we could get approved, but I refused and they were able to secure it without my singing the documents. We opened an ARM with XXXX in 2005 for the principle amount of XXXX. We have made all our payments and our principle balance is still XXXX. that means we have only payed XXXX over the 13 year life of the loan? that's less then {$100.00} a month. We also received notification that our rate was increasing to 9.75 %. We don't understand how our interest rate could go up when the interest rate is at an all time low. We tried to refinance with XXXX mortgage. The underwriters at XXXX told us we didn't show enough income on our current taxes to qualify for a refinance?
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX