23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Submitted on XX/XX/2022 & XXXX, SUBMITTED ON XX/XX/2022. 
XXXX, SUBMITTED ON XX/XX/2022. The response states, the company will reply back in XXXX days. 
This is not acceptable. Under the Fair Credit Reporting Act, the XXXX has a certain amount of timegenerally XXXX days but up to XXXX days in certain circumstancesto resolve a dispute. If the item can not be verified by the creditor within the time frame, it will be removed from the report. 
Therefore, XXXX days, is not acceptable according to the XXXX Guidelines, when the disputed information was received by the credit reporting bureau agencies in a timely manner. Therefore, XXXX days, is the maximum allowable time frame, from the date which dispute was received.
Product: Credit card or prepaid card

I never requested or submitted an application to XXXX XXXX I never Received a card at my address which lead me to discredit the callers calling about any collections on this account valid. I never Bad established credit or had ever been approved for a credit card until 2019 when I applied For a secured credit card. Prior to this I was Always denied. I never Had a credit card prior to this or to my knowledge was ever given the opportunity. If this collection or debt is valid then it was not done by me and if so it was impossible since I never received any card or evidence by mail it would be physically impossible! 

I also never received any type of service from FLEX SHOPPER. 

I have e-mails where I had finally been lead to believe they accepted my situation where I never ordered or received any of their products that had been suggested I ordered Regardless I never Received any such item at my address or I would have refused or returned such items I had No clue of. After Flex shopper conducted their own extent of investigating this they concluded that everything I had told them to be true and would refund this apparent account I had. I assumed that would suffice and that would be the end of it. I had Never heard of the company before and I explained all this to them. They acknowledge this in this emails and here I am Years later still trying to provide my supporting documentation years later to be relieved of these false reports which are unfair but completely inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XX/XX/2022
Product: Debt collection

On XX/XX/2021, HARRIS LTD has added a derogatory mark on my credit report ONCE AGAIN. ( XXXX  ) After further investigation and research, the debtor STILL could not provide original contract nor signatures. This account has transferred/sold and I am and have NEVER been responsible for the accounts. Debtor 's creditor did not verify this collection with me! There hasn't been no form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt as anyone can send a bill saying its mines. According to the FCRA, Harris LTD has violated my rights as a consumer ONCE AGAIN and I am requesting legal action to remove this account from ALL THREE CREDIT BUREAUS.
Product: Debt collection

They would call three times a day for a month after I submitted {$100.00} towards the account. Credence Resource Managemet ( CRM ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am asking equifax to give me my rights under the federal trade commission fair debt reporting act, title 611. ( a ) ( 1 ) ( A ) ( B ) ( 4 ) ( 5 ) ( A ) ( i ) ( ii ) .I have requested the below listed accounts, be reported pay ststus paid and XXXX balances.as of XX/XX/XXXX by certified mail # XXXX, sent with is 4-1099-c forms/a 1096 form, accounts as follows ; ending accounts number only ; account XXXX-paid XX/XX/XXXX, account XXXX-paid XX/XX/XXXX, account XXXX-paid XX/XX/XXXX, account XXXX-paid XXXX of the accounts need a status opf paid with XXXX balances. -- -- -- -- 4-1099-c forms/a 1096 form was sent to the c.f.p.b. dated XX/XX/XXXX by us mail.
Product: Mortgage

The loan servicing was transferred from  XXXX   XXXX   XXXX  to Select Portfolio Servicing in   XX/XX/XXXX ,  but no notifications were ever sent out. Payments continued to be sent to  XXXX  until   XX/XX/XXXX  wh en a letter was received that payments were going to wrong company. Violatio ns under12 CFR 1024.33.    XXXX  No one from  Select Portfolio Servicing ever called to see what was going on and to counsel as to what should be done. Violations under 12 CFR 1024.39 and 12 CFR 1024.40.    XXXX  Had the servicers done their job the home would not be at risk of foreclosure.
Product: Credit card or prepaid card

I have reached out several times disputing this late payment that is reporting for the month XXXX on my credit report ... 

I informed the rep my mail was being returned due to them sending the mail to the physical address instead of the PO BOX ... 

I was told on several occasions it takes 30-60 days to see the change corrected - removed ; however, it was never done.. 

Now each time I call they state that it will take an additional 30 days but it still has not been updated and here it is a year later.
Product: Credit card

My wife had set up a monthly payment towards an account that was paid off. My wiffe had passed away Monthly credits continued to build up. Once i discovered this i sent in her death certificate. They refuse to close the account and send me the credit still on the account.
Product: Debt collection

I keep getting harassing phone calls from XXXX XXXX from other debt collectors that they've sold my debt to
Product: Student loan

Hi : My name is XXXX XXXX I attended XXXX XXXX back in 2005 I was enrolled in there plumbing program. The school was uneducated about teaching students I didnt learn anything the addmission rep didnt even ask me for a copy of my high school diploma. I graduated with zero knowledge or understanding about the trade they didnt even give me a certificate of competition at my graduation day that was very embarrassing to me and my family but they left me with a {$25000.00} loan it has been hard me and my family my credit score I need help getting this removed from my credit report from the department of education of XXXX XXXX so I can get my life back Im looking for a loan forgiveness my wife has medical issues there is no way I can make any payments please please please help me
Product: Debt collection

I do not know where this credit is being charged for. I have never received services from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told to contact XXXX XXXX XXXX at XXXX, They declined to provide any information. This was last week. The report was filed by Chase but my own bank XXXX XXXX XXXX also refused to open a business account.
Product: Money transfer, virtual currency, or money service

I I froze my account because I thought someone was trying to hack the account. I have provided verification of my identity by scanning my license and my face but I have not been allowed to access account. No one ever answers my calls. They ask you to go to on line support but nothing is done to contact me. It sure looks like I am being scammed out of my money. 

XXXX XXXX XXXX
Product: Checking or savings account

This is related to complaint # XXXX, which has been closed. The issue is still not resolved. In my previous complaint, I let you know that Wells Fargo refused to send me the paperwork to rollover my retirement account to my primary financial institution, XXXX. After I filed my complaint, they finally did send me the paperwork. I completed it and sent it to them in early XXXX, but no action has been taken. Wells Fargo seems determined to hold onto these funds against my wishes. Please help.
Product: Debt collection

I was living at XXXX XXXX, an XXXX  broke out with XXXX of my friends and a neighbor. I was with my friend at the time. They XXXX, BUT I DID NOT PARTAKE IN ANY OF THE DRAMA. I called the police and ambulance. I was told I had to move out of my unit without hearing any side of my story or what happened from me they completely believed the neighbor who lied on me because I was the other XXXX friend. Before all of this I gave a XXXX  days notice to move. Then I was told I had to move immediately. No time to really find another home or anything. I even brought police who stated I had nothing to do with it. Being that I had to move so fast I did leave the unit a little dirty I ADMIT THAT! But even in the photos its not filthy as they stated on the form. Also they claimed I pulled up ALL OF THE FLOORING. If you look at the photos all of the flooring is there. I only removed the stairs on on bedroom which is not in the photos. They said I skipped out on deposit ANOTHER CHARGE IM BEING CHARGED FOR, how when I gave you XXXX  days notice I have emails to prove this. The office staff was so rude to me and didnt like me because of my XXXX  XXXX. She cursed me multiple times upon telling me to leave and this is why I assume Im being charged all these excessive fees. The debt collection company can clearly see in the photos that the charges are extreme and false
Product: Mortgage

I fell behind mortgage payments since the outbreak of the pandemic in XX/XX/XXXX. In XX/XX/XXXX, I filled out Borrower assistance form per instructions from XXXX XXXX, account manager from Fay Servicing. XXXX XXXX told me that I was under consideration of deferment of payments and I had nothing to worry about. 

On XX/XX/XXXX Fay Servicing initiated foreclosure lawsuit against me by filing XXXX XXXX. I called XXXX XXXX immediately and he told me that the foreclosure was a mistake and I had nothing to worry about. I was offered deferment and my first payment is due in XX/XX/XXXX. 

I told XXXX XXXX that I will catch up all the late payments by XXXX. Please stop the foreclosure against me as I have been harassed by XXXX of real estate flippers on daily basis. 

During the phone call with XXXX XXXX in early XX/XX/XXXX, I made three monthly payments and more one payment in XX/XX/XXXX. On XX/XX/XXXX I was served with lawsuit before I had the chance to make all the missed payments. 

On XX/XX/XXXX I wired all the missed payments plus {$3800.00} recoverable corporate advance to Fay Servcing to reinstate my account. 

The account was re-instated on XX/XX/XXXX as I was told. 

Since I have been current in XX/XX/XXXX, I have made timely payments in XXXX and XX/XX/XXXX. I will continue to make timely payments in the future. 

Fay Servicing has told me that I am out foreclosure process. However, the legal case is actively against me in the court house and my entire family has been harassed by the real estate flippers. The flippers thought they can buy this property cheap before auction, they visit the property, they send mail and most painfully they call on every single phone number our family has on daily basis. 

We want to be free from this pain and suffering from this unjust foreclosure action against us. I have contacted the Fay Servicing counsel repeatedly begging her to file proper legal paper to get me off the court house foreclosure public information. It has been over two months and no formal dismissal paperwork has been filed. 

I have no additional money to hire an attorney to compel the foreclosure dismissal.
Product: Credit reporting or other personal consumer reports

I am sending you a letter regarding the errors and mistakes that I have found on my credit report. These mistakes that you are reporting are affecting my character and reputation as a consumer. 

The accounts that I am referring to are the following : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Experian 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 XXXX XXXX XXXX XXXX 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

I am writing about my experience with Experian credit bureau not doing a valid investigation on a dispute that I opened on my account with an old credit card account. There is a closed XXXX/XXXX XXXX credit   card account number : XXXX on my report that has 2 late payments in XXXX and XXXX of 2019. This is incorrect, this account should not have any late payments listed. I demand these payments be removed or this entire account be DELETED from my report. This same account is showing on my XXXX report as being PAID ON TIME/NEVER LATE. I have disputed this with Experian, and they have finished my dispute but did not fix anything. They didn't change anything, yet the dispute says " updated ''. How could this be factual, if it shows paid on time with one bureau and not the other? I am requesting method of verification or this needs to be deleted immediately. I do not want them to open another investigation, because they just completed one after having me wait days for them to not fix this. My dispute report number is:XXXX. I need this account updated to paid immediately, or completely removed from my account right now. I am attaching pictures of my XXXX report, and my Experian report as well to see the difference.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, XXXX and Equifax are required by law to remove & block any item or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX and Equifax feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Mortgage

NOTICE OF ERROR i was offered a loan modification in 2018 that would result in higher payments and extending the loan to a 40 yr mortgage although the interest rate was 2 points lower in 2018 the offer was at 5.675 giving no relief to me i would like them to review their offer and 1-explain how the payments were calculated 2-how much the 40 year mortgage would cost at the end of 40 years vs the {$78000.00} that remained on the mortgage when Bayview took over the loan 3-supply the NPV calculations 4-supply the application received for the Loan Modification which you used to calculate my income and expenses 5-how you calculated the value of the home 6-credit scores you used in your calculations
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score.

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Debt collection

I sent a cease and desist letter to a medical debt collection agency for bills for my recently deceased husband which I ca n't afford to pay. A certified mail receipt payment was made and I never got a receipt back. Now I get 2 robo collection calls a day 4 days out of the week. I want the calls to stop.
Product: Credit reporting or other personal consumer reports

I was applying for a car loan for a car lease, and they pulled my credit report. They made me aware that there was a statement placed on my credit report that I DID NOT PLACE on my credit report. I have never been in the military. I am NOT A VETERAN. I do not know how this statement got placed onto my credit report. Experian WILL NOT GIVE ME the OPTION to speak to a human being to get this statement REMOVED. Their automated robot phone tree system is TERRIBLE! I need this statement to be removed as it is incorrect. I put a freeze on my credit last year, but NEVER placed this incorrect statement into my report, and I need to know how this statement got there. The INCORRECT PERSONAL STATEMENT says the following : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : I AM CURRENTLY ON XXXXXXXX XXXX XXXX DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS ALERT WILL BE MAINTAINED ON FILE FOR 1 YEAR BEGINNING XXXX
Product: Debt collection

I was under the impression that my balance on the XXXX account was {$0.00} on XX/XX/XXXX. When I left the rental property I attempted to pay the remaining balance and for some reason the payment was cancelled and returned. 

I was not made aware of this debt by the collections agency, and upon calling them they had told me they sent notices via postal service to XXXX XXXX XXXX, XXXX XXXX, CT. An address I have never associated with. I informed them I had moved to an address in XXXX, CT, XXXX and that I never received a letter. They followed up with " we attempted to call you ''. When I asked for my phone number they could not give me a number that I associated with in the past. 

The debt is also listed as being XXXX in collections. This must be incorrect because on XX/XX/XXXX my account was XXXX. On XX/XX/XXXX a payment was made from my checking account to XXXX for {$59.00}. My balance should have been {$260.00} if I was to have a balance. This is not the same amount listed on my collections report. 

To sum things up, I was not made aware of the debt, they notified the wrong address, and also listed the incorrect account owed. 

Please allow me to have this removed from my credit report. 

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

XX/XX/XXXX I notified and send out certified mail to XXXX XXXX, XXXX and Also EXPERIAN notifying them that I have information on my credit report thats does not match across all 3 credit bureaus I have not been answered back about any information regarding that information. I stressed in my letter that I demand to see proof of all verifiable documents and the original contract for the consumers on my credit repost with my signature on it I have yet to hear anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  has account nr XXXX with a Balance of {$690.00}, a fraudulent acct, which I did not open. The acct was opened XX/XX/XXXX the due date is XX/XX/XXXX. They have stopped the card and told me to go to FTC. gov and to file a police report, also send them information they requested from me by mail and I have done so. I want this removed from my consumer reports. Need to get copies of my reports to find out if further fraudulent actions have been taken. The bureaus are listing several things I have not done, a mortgage, a car loan, and XXXX loans which I will write about to you when I get more precise information from them.
Product: Money transfer, virtual currency, or money service

Dear CFPB Representative, I am writing to file a complaint and seek assistance regarding the unjust closure of my PayPal account, and I kindly request your help in investigating this matter. I am deeply puzzled and disappointed by this situation, and I hope that the CFPB can assist me in resolving this issue. 

On XX/XX/2023, I received a notification from PayPal informing me that my account had been closed. However, the notification did not provide any specific explanation or reason for the closure. As a long-term user of PayPal, I have never violated their terms of use or engaged in any improper activities. Therefore, I am extremely confused as to the reasons behind the closure of my account. 

I have attempted to contact PayPal through their customer support channels, but unfortunately, I have not received any detailed explanation or resolution regarding the closure of my account. This has left me feeling very frustrated, as I rely on PayPal for online transactions and financial activities. 

As a consumer, I believe that I have the right to fair and transparent treatment, including in situations involving account closures. I trust that the CFPB, as an independent agency dedicated to protecting consumer rights, can assist me in investigating this matter and engaging in discussions with PayPal to find a resolution. 

In this letter, I sincerely request that the CFPB take the following actions : Investigate the reasons behind the closure of my PayPal account and request PayPal to provide relevant explanations and evidence. 
Exert pressure on PayPal to handle my appeal fairly and reconsider their decision to close my account. 
Provide any necessary legal or regulatory support to ensure that my rights are protected and that I am treated fairly. 
I believe that CFPB 's intervention and investigation will help resolve this issue, and I hope for a prompt handling of my application. I am willing to provide any additional documentation or evidence to support my complaint. 

I look forward to the support and assistance of the CFPB, and I hope for a timely resolution to this matter. 

Thank you for your attention to this complaint. 

Sincerely, XXXX XXXX Paypal account : XXXX XXXX
Product: Debt collection

NCB Management Services trying to collect a debt that was charged off due Original Creditor XXXX got the vehicle in its possession and sold the vehicle. The debt is no longer owed. Balance {$0.00} ; account status-closed; XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 100 % of this account is paid off Balance on XX/XX/XXXX {$0.00} Account info Account number XXXX Account statusClosed Date opened XX/XX/XXXX Account type Auto Loan Status Charge-off