23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This complaint is about 2 issues : 1. The DUPLICATION of this debt on my Credit Report by XXXX companies, the original company SYNCB/SMRTCN ( XXXX also called GECR PAYPALSMARTCONN ) and the company they sold/transferred it to XXXX. BOTH OF THESE COMPANIES ARE LISTING THIS SAME DEBT ON MY CREDIT REPORT! They even share almost the same account number : The XXXX account number for this debt is : XXXX While the XXXX list this debt as XXXX See any similarities? 
PayPal SYNCB/SMRTCN List this as a closed debt while XXXX list it as an active account. 
2. This account was closed by PayPal SYNCB/SMRTCN after they mistakenly thought I had not made a payment in XXXX of 2009. When they called to tell me I had missed the payment I gave them the confirmation number of the payment I had made on time and a few hours later told them I had checked with my bank and indeed the payment had gone through the bank. Nevertheless they wanted me to make another payment that included a large penalty, which I refused to make. XXXX subsequently closed the account even though up till this time I had a perfect record of payments. I had never had a problem paying the original amount but the total since this time has always reflected the original amount plus penalties. Even though I have complained about this duplication before both of these companies have published this DUPLICATION ON MY CREDIT REPORT FOR 6 1/2 YEARS!
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report Have requested that they provide the purchase agreement to show full ownership of such account and also other documents So I may review to see if this is the actual account account that belongs to me
Product: Money transfers

Hello i have also contacted the attorney general before but no resolution was made, this address i used is just temporary my real address is in XXXX my Paypal account was suspended in XXXX 2016, my money got cleared after 180 days i.e in XXXX 2016 but still i have n't got my money, Paypal does n't allow me to add a XXXX bank account neither i can not transfer my money to someones else paypal, i gave them XXXX paypal accounts, but they suspended those accounts also, the resolution was made that i can add a XXXX bank account to withdraw my money, but when i am adding that it is not adding giving me the error that your bank account can not be added try again later, i contacted paypal 1 representative told me to again verify my id and my bank statement, my question is that my shall provide my id, i worked on paypal 1 year and all things were verified, now when there is no relation b/w me and Paypal why should i prove myself again, it 's against the laws in my view, since there is no need for my id now as there is no relation b/w me and paypal, further i do n't have a XXXX bank account as it is common sense that a person living in XXXX how should have a XXXX bank account, so i asked a friend but he told me that XXXX bank charger 15 to 20 % tax, i am a fool that i earned my money through hard work, shipped all my items paid all the taxes here, paying penalties on my loans as paypal has not given my money since 1 year, paypal is just keeping my money and earning interest. 

I want a fair and best resolution that paypal should now give my money or else i will drag them to international court of justice, i am in too much XXXX due to my loans, further noone is giving my his paypal for money transfer as everyone is scared due to the policies, neither do i have too much known people who have paypal. 
I now do n't know any way paypal should give my extra XXXX $ now for taxes if they want me to withdraw in US account, other option is that they can send me money order to XXXX, i dont want any other reply from paypal other than XXXX $ or my money order, that 's it thats my full and final resolution or else i will drag paypal to the courts now
Product: Debt collection

XXXX XXXX  XXXX is trying to collect a debt that they say that i owe but my insurance paid it and i dont no why they're trying to collect a debt and they are violating Hippa because they shared my information with some other party and they didn't even send the hippa transcript as well so I demand that you all delete this from my account
Product: Bank account or service

I made complaints with PNC Bank about my XXXX account that transactions on my account were not being processed at the point of sale and I was not able to manage my finances properly. I received explanations over the phone that were not the same explanations each time I spoke to a different person. I attempted to close the account this month when XXXX transactions were adjusted in my account, which are evidence of my complaints throughout the past 6 months and I also complained PNC was retaliating against me for bringing up my PNC related issues.
Product: Debt collection

I hope this letter finds you well. I am writing to formally request the removal of late payments from my credit report. Upon reviewing my credit report, I noticed that there are several instances of late payments recorded XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 item immediately re-investigated. The inaccuracies are highly injurious to my credit score Account Name : XXXX  Account Number : 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.
Product: Checking or savings account

On XX/XX/XXXX Synchrony bank randomly locked out of my hys account, after calling them they told me my account was under review, after confirming some information with me the representative informed that he had placed a note for them to unrestrict my account, it has been over XXXX XXXX  and countless calls later Im sitting here with no results, I currently have XXXX XXXX sitting in that account which I have no access to, this is very strange because XXXX XXXX later my Account is still frozen for reasons beyond my knowledge
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Inquiries : XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX is asking me to pay over XXXX. I have not had any late or outstanding debt since a Chapter XXXX bankruptcy in 2012. My credit reports don't show any unresolved debt. They say the debt came from Citibank. What should I do?
Product: Vehicle loan or lease

When I started with Santander everything seemed fine until they started sending payments being sent back for random reasons. They would then wait to give me a courtesy call then charge me more for " interest ' and " late payment '' reasons. I then proceeded to let my parents know and we made the last payment with a different card and Santander tried it with them too. we have bank statements and receipts that show the payment was made but they continue with this. I called and warned them about it once before and they quickly dropped the price but have started their antics once again.
Product: Mortgage

US Bank Mortgage obviously didn't apply the payments correctly on this account. They received payments from XXXX XXXX XXXX Ohio for {$25000.00} total and a little over {$50000.00} from the Bankruptcy XXXX XXXXXXXX Trustee from my husband 's case. I attached the final report showing exactly how much was paid to US bank Mortgage, from XXXX XXXX XXXX, They claim our escrow account has a over {$7000.00} shortage and it's not adding up considering we have a fixed APR rate 5.125 %. They are trying to be slick and raise our payments for no reason. I also have a copy of the new billing statement with the wrong amount due on our ed. If this is not resolved, they don't correct this. We will seek legal counsel to have a judge look at our documents to show there no shortage over {$7000.00}. They are wrong..
Product: Credit reporting or other personal consumer reports

First progress card Secured Cards has {$2000.00} hold on my accounts reported my account to XXXX and XXXX after 30 days of non payment minimum due instead of waiting 90 days plus holding my {$2000.00} for security deposit. These people has. I shame because I explained this on a fax. The problem was I was overseasast 4 months and they charged me annual fee of {$29.00} when I was overseas for service. They never sent me any email about it as well so of course I couldnt make the payment not knowing I owe them money. I made the maynent as soon as I came back from overseas plus with late fees. But THEY HAVE NO SHAME they destroyed my credit report even after 30 days of missed payment. All other credit cards wait for 90 days but these crooks didnt want to wait and they purposely destroy my credit score. I want them to IMMEDIATELY remove the credit report and compensate for the damages they caused me please Credit cards ending XXXX and XXXX They have a terrible system of making payment anyway. Customers dont have a way to make payment instantly but wait almost 2 weeks so i can send the money digitally from my own bank. Thats how they make their customers fail their payments otherwise they would had better and faster payment methods. Plus they holding XXXX {$1000.00} security deposit anyway so why would they report me after 30 days and I am overseas plus they never sent any email about the yearly fee {$29.00} because I never even use these terrible cards
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX
Product: Debt collection

Revenue Cycle Associates contacted me to pay {$300.00}. I have never done business with this company or know of any debt owed to them.
Product: Debt collection

Ten or more years ago, I disputed the last {$190.00} payment to XXXX on my account. Recently, this old and uncollectible disputed debt was given to a collection agency in New York. They reported it as only four years old, and as a new collection account only one month old on my credit bureaus. My credit score has suffered terribly because of this illegal act. I have disputed these entries accuracy with XXXX and XXXX XXXX, but the collections company told them it is a legitimate debt that it should be reports as it is. There is no way that they have any proof that this is a recent debt, because it is not, and should not have been put on my credit bureaus. I believe this collections agency has done this illegal act to harm me and get be to pay it. The lawbreaker/tortfeasor is : Debt Recovery Solutions , LLC, XXXX XXXX XXXX, XXXX, NY, XXXX, ( XXXX ) XXXX
Product: Debt collection

My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am I making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : CAPTIAL ONE Account # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. 

If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. 

Sincerely, XXXX XXXX
Product: Checking or savings account

In XXXX I had a roommate who I thought was my friend, she said that she wanted to use my phone to apply for a loan, I never thought anything of it. She knew alot of my information because of helping me file my taxes, she said she wanted to apply for a loan but needed a debit card to have the money sent to so I let her, never thought anything of it again until now. Here we are months later I am enrolled into college full time, I had literally just received my financial aid money and was about to pay for classes and things I needed and some direct deposit was taken out of my account for XXXX. I am frantic because 1, they have never tried to charge my card before and 2 I didn't know what it was for. I contacted my bank, and then I tried contacting her once I figured out where it was coming from. I was able to send a code to my email and sign into the account which she also got cards mailed to at her address. I have screenshotted everything as well for proof. I contacted the people called XXXX XXXX XXXX, let them know and they said they can't reverse instacash payments. I was able to see the amount that she had took out and it was XXXX dollars, yet they took XXXX out of my account. I don't know what to do. I contacted my bank while the transaction was pending but now had already gone through and I'm panicking because I need to pay for my classes. They also called me XXXX at one point thru the emails and I don't even know who that is. And the address on the account is not mine. I live in XXXX Texas. I bank with chime, and the people who took my money are XXXX XXXX XXXX
Product: Student loan

This complaint is being directed against American Education Services, XXXX XXXX XXXX XXXX, Pennsylvania XXXX -- -- Fax XXXX XXXX. The loan number is XXXX. 

In 2006, {$10000.00} was loaned to XXXX XXXX XXXX and myself, XXXX XXXX XXXX, as co-signor. Since then we have paid on this loan and are up to date and our balance after 164 payments, and 11 years of paying, is still over $ 7,000.The APR is 11.295 % and the total moneys we are slated to pay is {$39000.00}, which is four times the borrowed amount. We have been told that the government considers this a PREDITORY LOAN. 

The total we have to pay monthly is approx {$83.00}. In our advancing years this is causing a financial hardship and is straining our budget more with every passing year. 

We have already paid more than {$13000.00} on this preditory loan, and it is increasingly wreaking havok with our budget. 

We, therefore, are willing to pay {$3000.00} to completely payoff this preditory debt and receive a release from any and all further debt to AES and XXXX XXXX XXXX and it's assigns. We are willing to settle within 5 days from AES 's acceptance and we will pay you in a bank certified check. 

We hope you will approve this settlement so that we do not have to resort to litigation. 

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

In XXXX of XXXX and XX/XX/XXXX. I got a letter from State of XXXX  Department of Licensing. That my personal information including SSN, ID, Address, email, full name, date of birth. XXXX exposed do a data breach to their systems. Some account ware open under my personal information. I have a new police report from the city of XXXX XXXX. Now this account is showing on my XXXX credit reports agencies XXXX, XXXX and XXXX, XXXX months ago and it was place back on my credit report. I have disputed this account XXXX times now, is not my account this a fraud open in the middle of the pandemic. I have requested TOYOTA MOTOR CREDIT to please provide proof of me giving then my signature for this Loan. My request is for XXXX, XXXX and XXXX to delete this account XXXX and for all from my credit report. TOYOTA MOTOR CREDIT # XXXX Date Opened : XXXX XX/XX/XXXX Responsibility : Individual Account Loan Type : Unsecured Loan Revolving Account Balance : $ {$51000.00} Date Updated : Payment Received : Last Payment Made : High Balance : Credit Limit : {$740.00}
Product: Credit reporting or other personal consumer reports

THIS IS WITH TRANSUNION, TRYING TO REMOVE A DEBT THAT IS DISMISSED AS NOT OWED, BUT THEY REFUSE TO REMOVE IT FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of purchasing a second home and the loan from my current home is showing late payments and inaccurate information regarding a bankruptcy that i had in XXXX, it shows Bankruptcy was in XXXX. There has never been late payments for this mortgage and XXXX XXXX XXXX wants me to fill out reaffirmation paperwork which is not allowed in the state of Arizona. Since this loan was not reaffirmed after the bankruptcy it is not even supposed to show up on my credit reports. XXXX and XXXX do not show this but experian is showing this inaccurate information. I have spoke with experian and they have filed a dispute for me, but XXXX XXXX XXXX keeps wanting me to hire a lawyer to reopen my bankruptcy to fill out reaffirmation paperwork but my lawyer says that is not possible. XXXX XXXX XXXX states that I have made all my payments and on time but seen to be dragging their feet in correcting the matter. I have been on a 3 way call with them and experian but no resolve to the situation. Time is of the essence since I will lose the house and my earnest money on XXXX XXXX if this is not removed from my credit report with experian.
Product: Credit reporting or other personal consumer reports

In XXXX of 2017, Equifax announced it experienced a data breach, which impacted the personal information of approximately 147 million people. A federal court approved a class action Settlement that resolves lawsuits brought by consumers after the data breach. Equifax denied any wrongdoing but in fact did misuse, sell and experience a data breach that resulted in negatively effecting a large number of people. I have been found as one of those who has been impacted and would like this matter resolved immediately. I have went on XXXX website and filled out the eligibility process and have been found eligible they have admitted that my information was breached, leaked, given without my permission.