23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year> I opened XXXX disputes with Paypal for XXXX {$290.00} charges. This company ended up being a scam and used false advertising. They would also not refund money. I went to check status on Paypal a couple of days later and they put that info from merchant had been received but they never notified me. If I had not checked it would have closed in merchant favor as I would not have had a chance to provide info. This should have been resolved days ago but has not even when customer service said they expediated. There is no card # as this is Paypal credit. My paypal is XXXX XXXX
Product: Debt collection

I sent dispute letter back on  XXXX / XXXX / 17  Current Creditor  : Je  fferson Capital Systems LLC Debt Descriptio n :  XXXX   XXXX  Checking Original Account :  XXXX  Ref #  XXXX  Principal : {$120.00} To :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  I  XXXX   XXXX  is disputing this debt from  Jefferson Capital Systems LLC :   XXXX    XXXX     XXXX  for {$120.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim Of identity theft mainly because of the Equifax data breach. My information had been compromised and use to open fraudulent accounts Mainly with comenity bank. And then they went to collections selling my information to XXXX XXXX XXXX THE ACCOUNTS ARE LISTED BELOW XXXX XXXX XXXX XXXX XXXX XXXX/ beginning with XXXX XXXX XXXX XXXXXXXXending with XXXX And all the collections accounts with XXXX XXXX XXXX be removed immediately
Product: Credit card or prepaid card

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX and XXXX Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.
Product: Checking or savings account

On XX/XX/2021 my taxes was split between my two companies I work with credit karma and XXXX XXXX with XXXX XXXX everything went fine with credit karma who i have worked with over 3 years put a temporary hold on my account holding up XXXX when call they say nothing is wrong can use card so went to try use got denied called again again told was fine but would escalate to proper dept. went to XXXX used atm it confirmed XXXX in account but was again denied a XXXX withdraw this company keeps giving me the run around and there are many having the same issue please help get them to release are money i even asked if could be sent to another account they said only i can do that know it wont let me in account
Product: Checking or savings account

I was scam by a company saying is was another company and was charge in 6 cards. and received Drugs and fake goods. Police was involved and chase is still charging me for the transaction XXXX, XXXX XXXX and XXXX XXXX no issues but chase is supporting the fraud company claim number XXXX
Product: Mortgage

My insurance and property taxes are paid from an escrow account maintained by the lender. After receiving a notice from the insurance company that annual premiums had not been paid ( early XX/XX/2021 ), I notified the lender who deducted the annual premium ( {$2500.00} ) from escrow ( XXXX XX/XX/2021 ). Insurance company claimed they never received that payment and sent a policy lapse notice on XXXX XX/XX/2021 ). After a couple of weeks of going back and forth between the insurance company and lender, the lender deducted another {$2500.00} ( XXXX XX/XX/2021 ) from escrow and overnighted the payment, which the insurance company acknowledged receipt of. However, the lender is refusing to credit my escrow account by the original {$2500.00} and claim they will refund it when the insurance company returns the {$2500.00} to the lender ( insurance still claims they did not receive the initial payment ). This is an issue between the lender and insurance company any my escrow funds should not be in play in their dispute. I made a final attempt this morning ( XXXX XX/XX/2021 ) and was told the same thing - that the escrow department was supposed to issue a stop-payment on the check. I explained again that the funds should be credited back to my account regardless of the status of that check.
Product: Credit card or prepaid card

On XX/XX/XXXX I call Elan Financial World MasterCard ( XXXX ) ending in XXXX in advance of my XXXX due date to discuss forbearance options as I had lost my job due to the COVID19. Elan Financial offered me a one month waiver of the Late Fees. I have called Elan every month to discuss my situation and inquire about forbearance programs. Unlike the credit issuers ( XXXX, XXXX, XXXX XXXX ) no programs have been available to assist me during this financial hardship. As a result of my inability to make a payment during the global pandemic, Elan has reported my account as past due to the credit bureaus. After the 30 day past due notice, on XXXX I spoke with XXXX and was advised my account was past due 55 days. He was unable to offer any assistance regarding payment options and advised " I am not part of the credit department. '' He then gave me an address to submit a dispute to their offices in XXXX XXXX. I have made nominal payments on the account ( {$110.00} or 1 % of the balance on XX/XX/XXXX ). On XX/XX/XXXX Elan Financial reported my account 60 days past due, further driving my credit score down. During this global pandemic with XXXX XXXX unemployed when we are trying to navigate rent, utility and food costs, banks and credit card companies SHOULD NOT be allowed to do this.
Product: Vehicle loan or lease

I had a vehicle loan with Pentagon Federal. I refinanced with lower interest rate with another credit union. The new bank sent the payoff to the Pentagon. On XX/XX/2022, Pentagon signed for the payoff. I received email that I was going to be turned into collections for not making my vehicle payment on XX/XX/2022. I called and was told that I had 5 days to either make a payment of clear up the problem. I finally got confirmation that Pentagon had the payoff the entire time. I was told the mail room was behind on XX/XX/2022, and that they would just put me in for a skip payment so there would be no issues with late payment concerns or dents to my credit. I shared my credit is excellent and I do not want it to be dinged due to their incompetence. I was told there was nothing to worry about. Today is XX/XX/2022. I received another email that my loan is delinquent. I called they are still behind in the mail room. They have my payoff they signed for on XX/XX/2022 ; have no idea when they will get to it but when they do if affects my credit they will call the creditors and let them know that I am not at fault. My credit will then be fixed within 30-90 days. So unacceptable! I had to report an employee that forgot to put me on hold, and mocked me when I spoke and states " blah, blah, blah, blah ''. When I said excuse me, did your forget to hit mute because I just heard every bit of your mocking me. She replied " oh sorry ''. Now my credit has been dinged XXXX  points. It was excellent prior to this. Everytime I call Pentagon Fed they hang up on me, give me excuses that they mail room is behind and now they are saying I owe them {XXXX} in interest that grew in the 30 days they had the payoff. That is ridiculous. I am not paying anything. They had the payoff 30 days ago, it should not have grew any interest! It should have been paid off the day you received the check! Please help! 

XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are hard inquiries reported on my credit profile that aren't associated with any open accounts, therefore, i would like those inquiries removed from my credit profile.
Product: Credit reporting or other personal consumer reports

I requested a copy of my credit report, and in it I saw several difficult queries that I did not make or authorize, and they are the following ordered by date and credit bureau : - XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX )
Product: Debt collection

On XX/XX/XXXXXXXX XXXX I received a notice from my county of a lawsuit filed by LVNV Funding under the Fair Credit Reporting Act ( FCRA ) enacted on XX/XX/XXXX. I have the right to be notified before any information is added to my credit report, which did not happen in this case! reviewing my XXXX, XXXX, and XXXX files, I found XXXX accounts under the name of this company, which were reported without my knowledge, thus violating my right to respond or dispute this inaccurate information, can I claim compensation of XXXX dollars under the FDCPA law 15 USC 1692g Sec 809 for these practices, if you have any document certified by postal mail, showing that I was notified, you can show it on this portal, I do not recognize, nor am I responsible for said accounts, making use of my rights I sent you my validation letter, by certified mail on XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On or around XX/XX/XXXX, I received a letter from the collection agency, The CBE Group , Inc., stating that they were trying to collect a debt ( {$360.00} ) that I had with XXXX XXXX XXXXXXXX XXXX. ( XXXX XXXX XXXX ). And they will use any information I give them to collect the debt. Ref. # XXXX - My name as seen on the account : XXXX XXXX XXXX. 

Additional collection agencies whom I received the same type of letter : XX/XX/XXXX - XXXX XXXX XXXX - {$570.00} ( Original creditor Captial XXXX XXXX. regarding XXXX XXXX XXXX - XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX. - ref. # XXXX - {$320.00} - regarding XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX XXXX {$320.00} - Regarding XXXX XXXX  - Ref. # XXXX XX/XX/XXXX - XXXX  XXXX XXXX XXXX - {$710.00} Re : XXXX XXXX XXXX. - Ref. # XXXX In accordance with the Fair Credit Reporting Act, the list of accounts attached have violated Federally protected consumer rights to privacy and confidentiality under 1

5 U.S.C. 1681. 15 U.S.C. 1681 section 602 A, states that I have the right to privacy. 15 U.S.C. 1681 604 A section 2 : States that a consumer reporting agency can not furnish an account without my written instruction.

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 7 years.

15 U.S.C.s 2 ( A ) ( 1 ) states a person shall not furnish any information relating to consumer t5o any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. See attached supporting document.
Product: Debt collection

I have repeatedly sent out certified letters to Progressive Management Inc asking for validation bearing my signature of debt from this reporting agency and this company will not comply with my requests. This is a violation of the Fair Debt Collection Practices Act. This is affecting my credit score and if I can not get validation bearing my signature of debt please remove from all reporting credit bureaus ( XXXX and XXXX ).
Product: Mortgage

My father had a mortgage with Wells Fargo from XXXX until he passed away in XXXX. I his son was on the XXXX XXXX XXXX  on the home and was supposed to take over the home, but Wells Fargo did not want to work with me on the monthly mortgage payment and foreclosed on the home with me being thrown out of the home in XXXX. Wells Fargo has a Victim 's Compensation penalty account for anyone that was wrongfully done by any mortgage held by Wells Fargo back in XXXX XXXX and XXXX. I feel I have the right to be part of this class action XXXX and need to find out more how I can be part of it. Thank you for your time in this matter.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT XXXX, and I'm including it once more. 
XXXX XXXX
Product: Debt collection

XXXX XXXX is lying about not knowing about this complaint. Attached is a copy of an email to him informing of his harassing behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was 3 times where someone tried opening a credit card with my credentials. The accounts include XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. I notified Equifax about the inaccurate credit report from the hard inquiries from opening but they did absolutely nothing to help me and it ultimately impacted my score negatively. Equifax is in violation of 15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting against ( XXXX  XXXX XXXX ) on a collection account which was on my credit from a collection agency called ( XXXX XXXX XXXX  ) I have told XXXX XXXX XXXX that this account is false account it doesnt belong to me and them have refused to remove it on my credit and I also asked them to provide me any kind of envidence documentation about the false account so that I can file a law suit against XXXX XXXX XXXX and them experian also refused to mail me documentation concerning this false account, please I am in the pick of filling a law suit against experian on this false account so my lawyer ask me to contact ( CFPB ) before going ahead with the legal precedents on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

An old XXXX XXXX account 1 ) appears on my credit report despite bein well past the 7 year reporting window since it was charged off, 2 ) has been updated to report a balance due despite having been charged off AND being many years beyond the 4 year statute of limitations since the charge off, and 3 ) has been repeatedly unlawfully re-aged. My most recent dispute was concluded after the investigation with Experian re-aging the account yet again. Indeed, I received an alert from Experian reporting that I have a recent late payment and balance due of {$930.00}. More details : I disputed these erroneous entries but Experian maintained them so I again disputed, having to send everything by postal mail because Experian was unwilling to allow me to dispute online. Nevertheless, the latest dispute investigation concluded with Experian adding yet another re-aging, the very thing I had complained about. I have attached the actual Experian documentation. A cursory review of the account history evidences that the account has been re-aged, including by omitting data and then reporting charge off to display again. For example, examine XXXX and XXXX. Moreover, as mentioned at the outset, this account is beyond the 7 year reporting period because
Product: Mortgage

My previous mortgage servicing company ( XXXX  ) would allow online and or phone payments for no charge. 

That servicer transferred my mortgage to another servicer ( Select Portfolio Servicing, Inc. ). 

SPS ( Select Portfolio Servicing ) requires the payment of a {$15.00} fee anytime you make a one time online payment on their website. 

I do not believe this is fair and I question whether it's even legal. And I'm not XXXX. It does not cost them anything to accept online payments. There are no incremental costs to SPS when they accept online payments. 

Effectively, with no authorization from me, these two companies ( XXXX & SPS )  changed the terms of my mortgage and made it more expensive. 

I am requesting that SPS be required to allow online payments for no fee.
Product: Debt collection

XX/XX/XXXX : I disputed debt n requested verification of the debt XX/XX/XXXX : collection agency sent a word document with a breakdown of the debt not on letterhead and indicating several damages with no breakdown of cost to repair or photos XX/XX/XXXX : I disputed and requested it not to be reported to credit as valid proof wasnt provided in time under FDCPA. 
XX/XX/XXXX : coll agency received more verification from the client and the client refusal of accepting my dispute. Coll agency claims they mailed me the verification they just received. I did not receive this verification from them. 
XX/XX/XXXX : collection agency reported this to my credit saying I dispute it but it is valid under FDCPA. 
XX/XX/XXXX : Spoke with collector XXXX. She stated that she can not remove it from my credit. Its already listed as being distributed even though she acknowledged that they did not send proper verification of that until XX/XX/XXXX, which is well over the 30 days allowed under the FDCPA. She asked me, then how I intended on paying the debt even though it is disputed, and when I told her that I was still disputing it, so I wasnt going to be paying it at this time. She told me that she would know down my refusal to pay.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX  I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXXXXXX {$5800.00}
Product: Debt collection

Never received a notice to dispute the validity of the alleged debt Franklin Services has placed on my credit report! Under the FCRA law, it is mandatory to receive a letter to dispute the validity of a debt. Franklin services has no actual proof that this debt belongs to me and I never received a bill in this matter to even confirm that this medical debt is mine. The tradeline is reported to my credit profile illegally and I am requesting that it be removed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and would like them remove Account name/ # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name/ # : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account name/ # : XXXX XXXX # : XXXX Account name : XXXX DEPARTMENT OF EDUCATION Account XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Also states a consumer reporting agency can not furnish a without my written instructions 15 U.S.C 1681 s-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 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.
Product: Credit card

Capital One has placed and keeps BOTH of my account on a 31 day hold and, despite all attempts to appease them, they will not tell me why. 

It comes down to Capital One assumed I am committing fraud despite all my attempts to prove otherwise. 

I've made all my Capital One payments on time from the same account, sometime more than once a month. 

Timeline  XXXX- {$250.00} Payment made via CapOn app, I get an immediate notice that my account is on hold. 

XXXX - Call Capital One, rep initially states that they put my account on hold because I paid my balance off 4x in the same month and needs to verify my bank account ... .WHICH TAKES NO LESS THAN FOUR ( 4 ) 3-way CALLS TO ACCOMPLISH. In the end, CapOne rep says hold is removed. 

XXXX - Payment hits CapOne account. 

XXXX - I get a XXXXXXXX 'd note saying that I was abusive and used foul language to their customer representatives. I was on the 3-way calls with them ( 4 reps ) with 2 of my home credit union reps and BOTH I and my home bank representatives stated never heard of this, and I only repeatedly apologized to my CU reps and stated that this was stupid and did not understand this unless Capital One assumed I was committing fraud. 

~XXXX - A few days later, I notice that neither of my allowable credit reflects my payments on either of my Capital One accounts. I call and the rep says my accounts are on hold until XXXX to make sure my payments from XXXX clear, well over the 28 allowable day by law and their terms of agreements. 

XXXX - In the interim, I returned a {$280.00} purchase which is credited to my primary CapOne account BUT CAPITAL ONE REFUSED TO APPLY IT TO MY ALLOWABLE CREDIT. And they would not return the balance except by paper check after 10 business days, As my credit limit for either account is {$200.00} & {$300.00} ( primary ) respectively, my $ XXXX payments on hold makes my cards effectively useless despite my 6 figure income and fair credit ( not bad credit, just didn't use credit until recently )
Product: Credit reporting or other personal consumer reports

I disagree with the accounts listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. 
The inaccuracies are highly injurious to my credit score XXXX XXXX ( XXXX ) in accordance with The Fair Credit Reporting Act, Public law 91-506, Title Vi, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.