23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

ATTN TSI THE FOLLOWING DOCUMENT WILL PROVIDE PROOF THAT PAYMENTS HAVE BEEN MADE EACH MONTH TO XXXX XXXX XXXX  XXXX. THE BALANCE IN WHICH YOU HAVE IS NOT REFLECTED ON THE STATEMENT THAT XXXX  XXXX  HAS SENT ME NOR THE ADDITIONAL CHARGE YOU STATED THAT SHOULD HAVE BEEN APPLIED IN THE AMOUNT OF XXXX OR XXXX. EITHER BALANCE OR CHARGE IS NOT ON ANY STATEMENT THEY HAVE SENT. YOUR ADDRESS AND PHONE NUMBER IS ALL THAT IS PRESENT. THEY ALSO SENT A STATEMENT INDICATING THEY HAVE NEVER BEEN PAID TO MY UNIT WHICH IS SLANDER AND DEFAMATION OF CHARACTER. THESE ACCUSATIONS WHERE FALSE. I WOULD LIKE A LETTER OF APOLOGY FOR THE FALSE CHARGES AND STATEMENTS FROM WITH ORGANIZATION WITH THIS CARD BEING SOLEY IN YOUR POSSESSION AND I PAY YOU OR THEM NOT BOTH WHERE TWO CHARGES THAT ARE BEING APPLIED AND THE PAYMENTS ARE NOT BEING REPORTED ACCURATELY.
Product: Checking or savings account

i had to close my checking account last week due to XXXX trying to take unauthorized funds from my account. I have to call the Fraud Department every time i need to transfer money from my old account to my new. This morning : I was trying to get money transferred and the first young man sent a message that my debit card was closed. that was not supposed to happen. That was my only access to my account. 
I had to call back, wait another 20 minutes. The next young man reassured me that my card was still good and transferred me to the Fraud Division. There i got a message that the Fraud Division is only open Monday thru Friday XXXX.
Product: Mortgage

I want to pay the mortgage payment in person at a branch of the bank and they will not accept the payment. I have to mail it and if it gets lost or delayed, the charge me a fee
Product: Checking or savings account

PayPal simply does not like or accept challenges to their dispute resolution findings. Any type of rebuttal, they view it as a challenge to them and retaliates by immediately restricting your account completely before closing it with a generic reason stating PayPal doesnt do business with people like me. 

I started using PayPal in early XX/XX/2019 because I lost my job and was preparing to be homeless. I had to settle and prepare for a lot of my personal affairs. This included holding my mail for periods of time until I can get back on my feet. My friends and family would start using PayPal to send money to me so I can survive. I had been using either XXXX to cash out the funds or transferring to my bank account. As each day gone by, my bank account was hit with numerous expenses which eventually I wasnt able to use them. The fees from XXXX has started to add up and it wasnt worth it to cash out {$20.00} or {$40.00}. I remembered i had the PayPal debit card sent to me. However i was in XXXX XXXX, XXXX and my mail was being held in XXXX XXXX, XXXX. I dont retrieve my mail often cause its a 6 hour drive each way. I dont remember when I was able to activate the debit card from Paypal. I probably had it in my possession the first week of XXXX. Anyways, I never used the PayPal debit until XX/XX/2019. I begun to notice my balance being unusually low. 

I looked and realized my debit card was used for purchases and cash withdrawals days before my first use which was XXXX. I disputed the transactions as unauthorized. *Paypal cancels my current debit card on XXXX and issues a new one. They responded on XXXX stating my claims are denied because the card was present, chip read, pin entered. Plus I had possession of the card. PIN can only be known by authorized user. 

I called and stated that I do have the debit card and its not lost or stolen, but is PayPal stating that their Debit card is so secure it can not be skimmed or hacked? There is no possible way someone I have never met or known to use devices or programs to obtain my card information to duplicate one and known my PIN? The response was unless I gave them the information. Thats accusation without any evidence. 

I decided to test them by disputing charges in which I told them within the first set of disputes that I authorized. They came back the following day, XXXX using what I wrote stating in your first set of disputes you acknowledged using your card after XXXX, therefore you authorized these transactions. 

So in the first set of complaints you did not dare to say who used the debit card but I had possession, but with 100 % certainty that only an authorized user will know the PIN and no possibility the PIN can be discovered. In the 2nd set, you stated I used the card and I had possession. 

I disagreed and got my account restricted than closed. PayPals debit card doesnt follow Federal Guidelines for unauthorized transactions with PIN used and consumers liability?
Product: Credit reporting, credit repair services, or other personal consumer reports

i am hoping I can finally get a response because the last 6 months I have not received responses to my request for investigations from XXXX, XXXX, and Transunion. My attorney has advise me to escalate this matter due to violations of not responding to my requests for investigations.
Product: Credit reporting or other personal consumer reports

I had damages on my credit report. This is a defamation to my character. I have disputed this collection several times with the XXXX  XXXX and equifax credit agengies but it has came back as verified. That is not accurate. I've requested that the creditor send me the original contract to prove this debt to be mine. All of my request have gone unanswered. I have not been supplied the doctrine of estopper by silence, egnlehardt v graven ( mo ) 281 sw, 251, 719, 1 presume that no proof og the alleged debt, nor therefore any such debt, in fact exists. This is holding me back from moving forward in life. In no way can this debt be mine. This creditor is reporting different amounts of debt on all three credit reporting agencies. Lets start with XXXX 
the account number is different that all the rest. it is reporting as {$3200.00} XXXX XXXX Account details Account Number XXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX XXXX XXXX XXXX Monthly Payment {$0.00} Term Source Type Current Rating XX/XX/XXXX, XXXX XXXX  Complaint Detail https : //portal.consumerfinance.gov/consumer/s/XXXX XXXX XXXX XXXX Collection/Charge-off Status Open Type JointContractualLiability High Balance {$3100.00} Unpaid Balance {$3200.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Dispute Resolved Reported By XXXX Account details No History Is Available Collection agency XXXX XXXX but on Equifax it says {$3200.00} XXXX XXXX XXXX Account details Account Number XXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX XXXX XXXX Monthly Payment {$0.00} Term Source Type Current Rating Collection/Charge-off Status Open Type JointContractualLiability High Balance {$3100.00} Unpaid Balance {$3200.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating No Data Available Comments Account details No History Is Available Collection agency XXXX XXXX XXXX, then on XXXX it has a totally different name. 
It says {$3200.00} XXXX XXXX XXXX Account details Account Number XXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX XXXX XXXX  Monthly Payment {$0.00} Term Source Type Provided Current Rating Collection/Charge-off Status Closed Type JointContractualLiability High Balance {$3100.00} Unpaid Balance {$3200.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Account Seriously Past Due Date/account Assigned To Attorney, Collection Agency, Or Credit Grantor 's Internal Collection Department, Account Previously In Dispute - Now Resolved - Reported By Subscriber Account details then says that it went into collection or charge off in XXXX and also reported in XXXX none of the other credit agencies has the months reported. 
this is not correct. this is fraudulent. Again this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately
Product: Credit card or prepaid card

On XX/XX/XXXX, I went to a gas station to fill up my pump, I was charged {$150.00} for filling up XXXX gallons of gas ( XXXX XXXX XXXX ). However, I drive a XXXX XXXX XXXX that has a maximum tank capacity of 14.5 gallon according to XXXX 's owner manual. So, this clearly shows that my tank does not have the capacity to fill up XXXX gallons of gas. Moreover, the gas pump did not fill up my tank at all and it was sitting at the previous level ( less than 1/4 of my tank ). I tried to talk to the store manager about the skimmer device and she didn't take my saying and suspect me of stealing gas. Then, I filed a fraud dispute with Chase and Chase didn't help me solve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020 I became aware that an account with XXXX was reporting on my account in error and notified the credit bureaus. I double checked and both mine and my daughter 's student loans have been completed paid off. Furthermore, I have never had an account with this company nor have I made any payments to them - but it is being reported that on time payments are made. This must be a mixup but this credit bureau has ignored every attempt I have made to correct my file.
Product: Mortgage

nationstar mortgage reported that I have been XXXX days late. That is NOT TRUE. They misapplied monies paid to principle rather than toward payments. They have corrected it but now they need to get my credit reports fixes ... .IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you that this unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian and XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
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: Mortgage

Couple of months ago, I contacted XXXX about Capitol Mortgage Service Co. out of XXXX, TX because they were not reporting my payment history being made to all credit agencies. Then they report to ONE credit agency in XXXX and XXXX closed the case. They did not report since then nor to the other agencies. On XXXX and XXXX  agency it shows my last payment in XX/XX/2018, it is now XXXX On XXXX  is shows my last payment in XX/XX/2018. 
I contact Capitol Mortgage Services- -again and I was told " there is a process we have to use, we are doing the best we can '' - -at this point, I told her their " process '' needs to be reviewed and please update my payment history, it brings down my credit scores, I was told they are " working the process. '' All In the world I am asking is for them to keep my payment history updated. To ME, this is not a hard situation, but it seems that way with this company. I have never had a problem with mortgage companies NOT doing this before.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Names/ Account Numbers 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 XXXXXXXX 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 an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I know i fund in my account to cover what i just bought or repayment would cover but then i would have over draft charge sometime on overdraft charges
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Equifax has failed to assure me 100 percent possible maximum accuracy when it comes to my consumer report. They are still violating my rights after the third attempt trying to fix this issue. They are still hosting two tradelines on my consumer report that I have filled an FTC complaint about and a police report and they still have not removed the account from my consumer report. I even have someone on the phone stating that they only can remove an account if the furnisher tells them to. Which I stated that's not how the law works. It is the duty of the furnisher to report accurate information but it is also the consumer reporting agency 's job to assure you 100 percent possible maximum accuracy when it comes to the things on your consumer report. I will attach the FTC report the dispute letter and the police report that I sent to them and a screenshot that these accounts are still on my consumer report. XXXX is willfully being non-compliant pursuant to Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) for not blocking information [ 15 U.S.C. 1681c-2 ] ( a ).
Product: Credit reporting or other personal consumer reports

I am writing to formally address concerns regarding my account with your institution. Specifically, despite fully paying off a this account. I believe XXXX XXXX  is violating my rights under federal consumer protection laws. The reported information is inaccurate and should be deleted for the following reasons : 1. Incorrect Balance and Past Due Amount : This account was paid in full. The balance and past-due amounts are incorrect. 2. Incorrect Payment History : The reported payment history rating does not reflect the accounts actual payment record. 3. Misclassification as a Charge-Off/Collection : This account is not a charge-off or collection. It has been fully paid and should be reported as PAID. 4. Incorrect Remarks Field : The remarks field is misleading and inaccurate. Please delete all remarks associated with this account. The continued reporting of this inaccurate information is a violation of the FACT Act and the FCRA, which mandate that credit reporting agencies ensure the maximum possible accuracy of the data they report. I am requesting that this account be reviewed and updated to reflect the following changes : I request the immediate removal of this account from all credit reporting agencies. Details of Violations 1. Fair Credit Reporting Act ( FCRA ) : XXXX XXXX  credit card has inaccurately reported my paid charge-off as unresolved to credit reporting agencies. Additionally, the account has not been updated to accurately reflect its paid status, despite my requests to rectify the issue. 2. Consumer Financial Protection Act ( CFPA ) : Your institution has engaged in practices that may be considered unfair, deceptive, or abusive by failing to ensure accurate reporting and withholding proper resolution information. I request the immediate removal of this account from all credit reporting agencies. I am writing to formally address the tangible losses I have experienced as a direct result of the inaccuracies in my credit report. These violations have led to the denial of loans and higher interest rates, significantly impacting my financial well-being. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting statutory damages of {$1000.00} for each violation. Additionally, I am seeking compensation for monetary damages, including punitive damages, to address the harm caused by these errors.
Product: Mortgage

I fell behind in making my mortgage payments and have been repeatedly applying for mortgage modifications. I appealed a decision denying my application for a modification back in XXXX. That appeal was denied, but without addressing the primary reason for my appeal. When the XXXX denial appeal came in, I already had another modification application pending and I received that decision dated XX/XX/23 last week. I had until today ( XX/XX/23 ) to appeal and I filed my appeal today via email. The problem is this, and the mortgage company keeps doing it over and over : The mortgage company is performing a XXXX XXXX XXXX ( " XXXX '' ) calculation and the calculation is wrong for two reasons. One, they are not using my income in performing the XXXX calculation, despite the fact that their own explanation of how they calculate XXXX says that they are " required '' to input certain information when performing the calculation including the accountholder 's income. Then they turn around and say, but it you were denied, it may not have required an income calculation as part of the review and approval process. They can't say in the explanation of NPV calculations that they are " required '' to use my income and then turn around and say, well no, it wasn't required. Second, they are relying on a third party XXXX XXXX  for the value of the home. The XXXX XXXX is based solely on comparable sales in my neighborhood and nearby communities, and a single photo of the outside of the home. They've valued the home at {$420000.00} which is actually laughable at how inflated it is. Our home would be lucky to sell for {$320000.00}. The reasons for the lower value are explained in my appeal. I have a right to ask for a full appraisal and I did ask for that in my appeal.
Product: Credit reporting or other personal consumer reports

My account with Experian was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed fraudulent credit activity on my credit report and I would like to have it removed.
Product: Payday loan, title loan, or personal loan

I refinanced my car with Bridgecrest through XXXX XXXX. Everything was fine and seamless. Out of nowhere, after accepting XXXX 's money, Bridgecrest is refusing to send XXXX the title for my XXXX XXXX XXXX. They are saying they don't want the payoff from XXXX. However, they already took the money. I have already worked with my new credit union and everything making payments.
Product: Credit reporting or other personal consumer reports

I still disagree with the accounts below which are still appearing on my credit report, even after multiple CFPB complaints and investigations. The inaccuracies are highly injurious to my score. This information continues to falsely manipulate my credit report. Experian has failed to properly investigate this account after 4+ complaints. This neglect has again violated my consumer rights. I am demanding a removal of the following accounts : 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 To my understanding Experian pledges to review and update accuracy of all items on my credit report within 30 days. If information is not consistent they are obligated to remove those inaccurate items.
Product: Debt collection

Lvnv funding Llc is trying to collect multiple debts from me that I have no idea what they are and havent gotten itemized proof of debt for either one these debts are not owed to them and when they contact me they threaten arrest wage garnishment and tax interception
Product: Student loan

My student loan account appears on my XXXX credit report twice. It makes it seem as though I owe double the amount of my loan. My XXXX credit report is attached. Please see pp. XXXX of the report. I have also attached my ID.