23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I purchased an item via PayPal from XXXX. I contacted XXXX multiple times, who have told me that they processed the refund on their end, and to contact PayPal. Ive put a case in for paypal through XXXX, and they denied it, stating that the refund was processed on XXXX end, and I gave them MOUNTS of proof that I did not receive my correct refund ( only XXXX out of almost XXXX dollars ). They do not review the information correctly and I have shown them multiple times that I DID NOT RECEIVE MY REFUND. I even included through XXXX app, that the order does not reflect it being processed as a refund, as other orders Ive returned has. They are incompetent.
Product: Debt collection

A debt on my credit report that is handled by Portfolio Recovery Associates, I disputed by letter. They responded that they were investigating. When I got their result, I asked for verification of the debt. They never provided final proof of the debt. 

I sent a certified letter to them in XXXX and they did receive it. However they have failed to respond to my certified letter or further communicate regarding the debt. 

This is a violation of the Fair Credit Act.
Product: Credit card or prepaid card

I have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay. Please take immediate action to correct my account and ensure that it accurately reflects my payment history.
Product: Debt collection

Hello, So there are two debt amounts that they are claiming are from 2021 which I have no knowledge of and I never received any notices or statements from them. I have already sent them a letter through certified mail from my attorney stating that I wanted a debt validation as well as it removed from credit report. It also violates my HIPAA rights for them to sell any of my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

ONCE AGAIN NATIONSTAR FAILED TO NOTIFY ME OF A COMPANY NAME CHANGE FRO NATIONSTAR TO MR. COOPER. AS WE SPEAK NATIONSTAR REPORTING ON XXXX AND XXXX AS NATIONSTAR AND THE TITLE ON CREDIT REPORTS MUST REFLECT THAT CHANGE. THE PAYMENT HISTORIES ARE INACCURATELY COMPARE TO XXXX XXXX DATA. 

I AM FILING SUIT AGAINST ALL PARTIES SHOULD YOU FAIL TO CORRECT IN 30 DAYS OR DELETE ACCOUNT.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX Missouri Laws Dear AARGON AGENCY INC, I am writing to address the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and relevant identity fraud laws, including those specific to XXXX, Missouri. 

It has come to my attention that AARGON AGENCY INC has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, mandates consumer consent for such reporting activities under Section 1681b ( a ) ( 2 ). 

Additionally, XXXX, Missouri, laws governing identity theft and fraud emphasize the need for consumer authorization in any activity involving personal financial information. Violations of these laws, including the misuse or unauthorized disclosure of credit data, can result in severe legal consequences, both under state and federal statutes. 

I assert that I have not provided consent for AARGON AGENCY INC to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, resulting in potential damage to my creditworthiness and an undeniable breach of both federal and state laws. 

I demand that AARGON AGENCY INC immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and applicable XXXX, Missouri, identity theft laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under both federal and state laws.

I emphasize that obtaining consent is a legal obligation, not a discretionary action, under the specific sections of the FCRA and XXXX, Missouri, identity theft fraud laws. This is not a negotiation but a demand for compliance with the regulations protecting consumers from unauthorized credit reporting. 

I anticipate your immediate attention to this matter and expect that AARGON AGENCY INC will promptly rectify these violations, respecting my rights under both federal and state laws. 

Done in good faith.
Product: Credit reporting or other personal consumer reports

THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

1 ) 15 U.S.C 1681 Section 602 A : States I have the right to privacy 2 ) 15 U.S.C 1681 Section 604 A : It also states a consumer reporting agency can not furnish
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, during the challenging period of the XXXX lockdown, I encountered financial difficulties that impacted my ability to make timely payments. Recognizing the circumstances, I promptly reported the late payment to XXXX XXXX XXXX  and requested their understanding and assistance. I believed that, considering the unprecedented circumstances, they would be willing to work with me to find a fair resolution. 

However, to my dismay, XXXX XXXX XXXX  has not taken any action to remove the late payment from my credit report. I have made numerous attempts to communicate with their customer service representatives, providing supporting documentation and explaining the extenuating circumstances that led to the late payment. Regrettably, their responses have been unsatisfactory, leaving me with no other option but to escalate the matter. 

I am now filing a formal complaint with the Consumer Financial Protection Bureau in the hopes of receiving a fair and impartial resolution. I kindly request your intervention to help facilitate a resolution between myself and XXXX XXXX XXXX. It is my belief that by bringing this matter to your attention, I can receive the assistance needed to rectify this situation and mitigate any negative impact on my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX : account XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A states i have the 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.
Product: Mortgage

I had a home discharged through the bankruptcy courts in XXXX. Now, I have XXXX mortgage companies harassing me over the unpaid debt. I have written them numerous request to cease and desist and yet they continue to harasses me on a weekly basis. XXXX XXXX has gone to the extent of repeatedly calling me on my cell phone over this debt. I would like this to stop immediately. I would also like to know if I can file suit against these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

The companies of XXXX, XXXX, Lexis Nexis are reporting information on my credit report that was given my permission and using pre-purchased information from third party sites to report inaccuracies on my credit report. FCRA 611 ( 15 U.S.C. 1681I ) It is a violation and I verified with the clerk that they do not report to credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on and I noticed that this unauthorized inquiries had been made 1. XXXX ( XXXX XXXX, XXXX ) 2. XXXXXXXX XXXX  XXXX ( XXXX XXXX, XXXX ) 3. XXXX ( XXXX XXXX, XXXX ) 4. XXXX XXXX XXXX ( XXXX XXXX, XXXX ) 5. XXXX ( XX/XX/XXXX )
Product: Debt collection

I was homeless during XX/XX/2014. During this time, I was caught in freezing rain and went into a police station as it was the only nearby public building and I was near XXXX. I was unable to think or communicate clearly, and requested a cup of coffee and a place to sit.

They called the local XXXX, which were connected to the building. They took 45 minutes to arrive, and upon arrival told me that I was not XXXX  and needed no assistance and left.

A few months later, I received a letter stating there was a {$200.00} bill sent to collections ( Americollect ). The bill detailed the XXXX 's arrival as being {$190.00}, and their use of a pair of disposable gloves as {$5.00}. I contacted the collection agency and disputed the claim, but it remains on my account and I continue to be contacted by them regarding this collection.

This is an unfair charge, as this was both against my wishes and an unreasonable charge. This has affected my credit score for years, and the collection agency Americollect refuses to negotiate this in any form.
Product: Credit reporting or other personal consumer reports

Due to a date breach 15 USC 1681 I want to report identity theft
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and I believe its due to a data breach. My credit report has all fraudulent accounts that I have no knowledge of, ranging from auto loans to credit cards. I get text messages and phone calls everyday with my information, people saying I have ups packages and they need more information, notifications of purchases that I did not authorize. Now i find out my credit report is full of fraudulent accounts that I did not authorized, hard inquiries that I did not authorize.
Product: Vehicle loan or lease

I disputed this with XXXX  And there was no attempt to investigate and properly verify this account with matching name and addresses phone numbers and presenting signiture signed documents from this deal. 
No thorough investigation was conducted to verify this account.
Product: Debt collection

First phone call was XX/XX/XXXX at XXXX. I explained to the collector that the debt had been removed from my credit through disputes filed in XX/XX/XXXX which they failed to respond to. The collector confirmed this information and said I would be placed on their do not call list. He apologized and said their system is slow to update. 
Second phone call was XX/XX/XXXX at XXXX. I explained to the collector whos last name was XXXX that the debt was removed after disputing it. I explained to him that I was already not to be contacted anymore about the matter. He told me the debt still exists on HIS records. I asked to speak to a manager who was busy and told them to not call me again or it will be harassment. He said I was placed on the do not call list again but I dont believe them. 

The company is rent debt automated collections. We have no contract and they are trying to get me to pay a debt that does not exist.
Product: Checking or savings account

My Coinbase.com mobile app is preventing me from access or transfer my funds for the past 2 weeks.

The following message is displayed : Were having connection issues try again.

Tried to contact coinbase.com without success.

Saw online that this is a common issue with Coinbase.com and the only way to solve it is thru this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being ignored and disrespected. Section 611 ( a ), plainly states that failure to investigate these items with in 30 days gives a reason to immediately remove these items from my credit report. I demand these accounts be deleted immediately other wise I will file litigation due to the stress and lost of income that this bad credit rating caused me. Per my attorney my information was impacted by the XXXX  data breach and this may be the way my information got into the wrong hands
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam On XX/XX/year> I send two XXXX wife transfers of {$5000.00} each from my account in XXXX in XXXX to my brother account in XXXX XXXX  in XXXX. On XX/XX/year> both transfers were rejected by bank XXXX and sent back. 
Bank of New York Mellon seized those return payments with no any basis and holding it for more then 2 years using my money Now I received an OFAC license but BNY refuses to make those payments.
Product: Mortgage

I entered the " Fast Track '' re-finance program with Lenox Financial, DBA Weslend Financial, XXXX XXXX. I was strung along for four months when they finally ordered the home appraisal when was to be reimbursed to be at the end of the process. I paid for the appraisal in XXXX ... in XXXX they were no closer to finalizing the re-fi and still could not give me a date for closer. I spoke innumerous times with XXXX XXXX my mortgage advisor who was also very frustrated and told me he would be leaving the company. He offered me the name of another lender and told me he would reimburse me for the appraisal fee of {$520.00}. I also spoke with the owner XXXX XXXX who too was apologetic ... he said they just had too much business. This certain looked like a bait and switch. I qualified for their " Fast Track '' program based on my excellent credit, income etc. I did everything timely. Just because they have too much business doesn't mean they do not have to live up to their part of the contract ... '' Fast Track '' re-fi! I feel five months with still no commitment to close is long enough for me to wait. I was very patient but do not feel that I should be penalized financially because of there failure to perform. Also I missed out on the better rates by wasting 6 months of my time with this lender. 
Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a  XXXX   XXXX   XXXX  account on my credit report with a total balance of {$19000.00} that was opened on or around  XX/XX/2008   . When I was just  XXXX   years old , my birth mother coerced me into taking out this loan. I did not receive any money, goods, or services, nor did I benefit from the opening of this account. I hired an attorney to represent me for this account. After my attorney spoke with  XXXX ,  XXXX  determined that I was no longer liable for this account. I 've disputed this account on  XXXX  and  XXXX , and it was removed almost immediately. However, I 've disputed it on Equifax, and was not even notified of the results or anything that the investigation was complete, and the account is still outstanding on my Equifax credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification on the following five accounts, and they did, they stated the accounts are accurate, and I did a thorough research myself and found improper inaccuracies with these five accounts even after they did the thorough research.

I RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THE FOLLOWING ITEM ( S ) TO BE ERRORS, OR ARE DEFICIENT OF PROOF OF NOT BEING UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, OR ELSE WISE NOT COMPLAINT, TO INCLUDE TO METRO 2 REPORTING STANDARDS. 

Here as follows are items in potential error requiring immediate annulment of the retainment and or reporting : Account Name : XXXXXXXX XXXX XXXXXXXX, Account Number : XXXX Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX Account Name : XXXX Account Number : XXXX Please remove this inaccurate, untrue, incomplete, and non compliant information from my credit report immediately. 

This is a violation of the FCRA and is also in violation of metro 2 compliance reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

In accordance with the Fair Credit Reporting act XXXX Accounts # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 

15 U.S.C 1681 section 601 A. States I have the 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
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX : Name : XXXX XXXX Email : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NY XXXX Subject : DEMAND for Immediate Removal of Charged-Off Accounts from Credit Report Complaint Details : This is a formal demand for the immediate removal of two charged-off accounts that are inaccurately and unlawfully appearing on my credit report. The accounts are as follows : XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX Both accounts have been charged off by the creditors, and under IRS regulations, the charge-off amounts are considered taxable income. The debts have been satisfied in accordance with federal tax law. Therefore, any continued reporting of these accounts as unpaid is not only misleading but outright deceptive and in violation of the Fair Credit Reporting Act ( FCRA ) and potentially other consumer protection laws. 

The failure to correct this misinformation is causing significant and unnecessary harm to my financial reputation. Let me be clear : this is a violation of my rights as a consumer, and I will not tolerate this negligence any longer. 

Attached to this complaint is a Federal Trade Commission ( FTC ) affidavit. 

XXXX DEMANDED : The immediate and permanent removal of the two charged-off accounts from my credit report by all reporting agencies. 
Written confirmation that these accounts have been removed and that my credit report is fully accurate and reflects the resolution of these debts. 
Should this matter not be resolved promptly, I am fully prepared to escalate this case further, including filing additional complaints with other regulatory agencies and pursuing legal action if necessary. 

Attachments : FTC Affidavit.

This matter requires your urgent attention. I expect a response within four days as per FTC. Thank you for addressing this issue promptly and appropriately. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have some creit inquires that are fraud and I did not authorize. I will fill out a ID Theft form but these inquires need to be deleted. 

Inquiry details XXXX XXXX  ( Finance ) XX/XX/year> XXXX XXXX  ( Finance ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX XXXX ( Finance ) XX/XX/year> XXXX  XXXX XXXX ( Finance ) XX/XX/year> XXXX ( Finance ) XX/XX/year> XXXX XXXX  ( Bank ) XX/XX/year> XXXX XXXX ( Bank ) XX/XX/year> XXXX XXXX  ( Auto ) XX/XX/year> XXXX ( Finance ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX ( Bank ) XX/XX/year> XXXX  XXXX ( Bank ) XX/XX/year> XXXX ( XXXX ) XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX  XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer right has been violated according to 15 us code 1681... inaccurate information is listed on my report which should be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in response to a complaint I submitted to the CFPB XX/XX/XXXX. number XXXX. I pointed out that the consumer reporting agency was in violation of the FCRA regulation that required them to respond to a dispute within 30 days. Experian, however was unresponsive to my demand by adding another 30 days to the already 90 days it has taken for this investigation I requested that they remove the disputed item since they failed to respond within the appropriate timeframe. 
I specifically stated in the complaint that as of XX/XX/XXXX, I have not yet received a response regarding the investigation results regarding the following account.XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of today, XXXX XXXX, 2021, another batch of ROBO calls have been coming in to our phone. This has been going on for weeks. 

The answering machine leaves our message and the caller from ( XXXX ) XXXX hangs-up without leaving a message. 

This harassment has to stop - NOW
Product: Credit card or prepaid card

Synchrony Bank decreased my credit limit from {$13000.00} to {$1000.00} without notice although I have never missed a payment and have a credit score in the 800s. I found out about this action when planning to use this card for a large purchase. This unfair action negatively impacted my credit utilization ratio without my knowledge, and is a harsh action to take during a pandemic. I spoke with a representative on XX/XX/2021 and requested written notice of why this significant change, resulting in a reduction of {$11000.00} of my credit limit was taken. I was told it was because I hadnt used the card for a while. I explained that my use of the card declined due to the stay- at- home order because of the public health crisis. Based on my solid credit profile, I requested my credit limit be reinstated and I not be punished for not using this card during a pandemic. I was told I would have to reapply which will generate a hard inquiry and another negative impact on my credit score. Synchrony should not be able to make such a significant change to our agreement without notifying me of this severe credit limit reduction that has negatively impacted my credit score.
Product: Payday loan

Money was supposed to be withdrawn on XX/XX/XXXX, but instead was withdrawn on XX/XX/XXXX resulting in an overdraft fee. Also, lender is not licensed in the state of Iowa.
Product: Checking or savings account

XXXX XXXX someone opened a fraudulent account in my name and then on the same day wrote a fraudulent check in the amount of {$33.00} to XXXX services and created a collection notice in my name that included the {$33.00} plus a returned check fee of XXXX I called Bank of XXXX and XXXX the accounts closed.
Product: Credit reporting or other personal consumer reports

I did not authorize nor applied credit for : 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. PLEASE REMOVE THIS FRAUDULENT INQUIRIES FROM MY CREDIT REPORT AS SOON AS POSSIBLE.
Product: Mortgage

I am in need of your support in working with my mortgage servicer in understanding my options for a FHA COVID-19 Forbearance. I would like to connect with you, as a HUD-approved housing counseling agency, in this assistance. 

I am with XXXX  of Colorado. My mortgage servicer is Dovenmuehle Mortgage Inc at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX. There phone XXXX XXXX XXXX. My loan number # XXXX. 

I am having a financial hardship due to COVID-19. I Request a COVID-19 Forbearance for my mortgage payments. 

sincerely, XXXX XXXX XXXX 1-308 All Rights Reserved