23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$1900.00} Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX. Payment History Inconsistency ( Dispute Code : XXXX Payment History Incorrect ) The payment history states Ive made XXXX % of payments on time, yet the account is listed as " Charge-off. '' XXXX Requested : Update or correct the payment status to accurately reflect the payment history or remove the charge-off status if inaccurate. 
XXXX. Balance and Status Mismatch ( Dispute Code : XXXX Incorrect Balance ) The balance reported is {$1900.00}, but the account is listed as " Charged off. '' There is no breakdown of how this amount was calculated. 
Action Requested : Provide itemized documentation detailing how the balance was determined, including payments, fees, and interest charges. 
XXXX. Incomplete Account Details ( Dispute Code : XXXX Account Status Incorrect ) The account is marked as " Closed, '' but the remarks indicate " Charge-off '' without clarity on whether the debt has been sold, transferred, or remains with the original creditor. 
Action Requested : Clarify the account status and update the remarks section for accuracy and completeness. 
XXXX. Payment Status Contradiction ( Dispute Code : XXXX Payment History Incorrect ) The last payment is reported as XX/XX/XXXX, yet the account is marked as " Charge-off. '' These statuses contradict XXXX another. 
Action Requested : Correct the reporting to align with the actual payment history.

Documentation Requested : Original signed contract or agreement.

Complete and detailed payment history.

Itemized breakdown of the reported balance.

Compliance Reminder : Under the Fair Credit Reporting Act ( FCRA ) 1681i ( a ), the credit reporting agency must conduct a reasonable investigation of disputes and delete or modify information that can not be verified. I expect all inaccurate or unverifiable information to be corrected or removed promptly. 

Please provide the results of the investigation and update my credit report accordingly. I look forward to your response within 30 days as required under the FCRA.
Product: Checking or savings account

I made an online order from XXXX XXXX for XXXX on XX/XX/XXXX and paid thru PayPal. Funds were debited from my checking acct on XX/XX/XXXX. On XX/XX/2019 XXXX was again debited from my account by XXXX XXXX. I had not placed another order nor authorized XXXX access to my bank account. I called XXXX and they claimed they had a communication issue with PayPal and suggested I call them. I called PayPal and they claimed they hadn't shared my info and suggested I call XXXX. When I told the rep I'd already done so and they were blaming communication error with PayPal he just told me he'd look into it. I explained I was very upset because it was obvious XXXX got my banking info and the sole purpose of using PayPal was to ensure security. He then suggested I call my bank, which I'd already done. Neither PayPal or XXXX would take any responsibility for double charging me. I had to freeze my debit/credit card and file a dispute thru my bank. I feel PayPal is fraudulent in promising security and XXXX  is fraudulent in charging for an order theyd already been paid for.
Product: Money transfer, virtual currency, or money service

I have account with Gemini is a crypto exchange company. They transferred money from my checking account without my authorization. and I can not access my account, I send them a lot of messages without results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX. 

I have reached out to the XXXX about reporting incorrect information on my consumer report. I have connected XXXX six times about this matter Via online, phone, and mail. The account with XXXX is currently in ligation. I do not owe this alleged debt. I DEMAND that this is deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion shows/reported that 2 hard inquiries were made ( they are both unauthorized hard inquiries ) They show that XXXX did one on XXXX XXXX, 2019 and again on XX/XX/2019. I have not applied anywhere and I am concerned of possible fraud activity against me.
Product: Debt collection

The company called about a dispute frpm XXXX I told them my social had been taken. The person said a bill had been paid and closed out. I told him o had no card and had not lived at set address for over XXXX years. I was called slanderous names and had XXXX innuedos as threats to my mother. I called our family attorney. I called back and asked for an address so i may pursue legal representation. The business is XXXX XXXX XXXX. The person was named XXXX and was extremely agregious.
Product: Student loan

After graduating in XX/XX/XXXX I was told by the bursar 's office that my grace period on my student loans lasted until XX/XX/XXXX. It wasn't until just recently ( XX/XX/XXXX ) that I started receiving phone calls that I was supposed to start paying my loans back in XX/XX/XXXX. I immediately paid what was owed but it had already had a drastic impact on my credit. I called them and explained the mistake and they said that there was nothing they could do.
Product: Debt collection

They have called and threaten to seize my accounts, to come to my work and home if i do n't pay the account by  XXXX   XXXX  today. I 've asked them not to call as well as told them this has already been paid, in  XXXX . They refuse to give me the name of their company and when I look it up it is a cell phone they are calling from. Last contact was today  XXXX / XXXX / XXXX  around  XXXX .
Product: Debt collection

I had a court date that I was not aware of in time and could not appear. The debt collector sent a person to my house over XXXX when I had family over and we were celebrating the holiday. The process server was at my door at night so we did not answer the door. Then she came to the door in the morning. When I read the summons, the court date had passed. They called me every day at XXXX XXXX  for months, from XXXX to XXXX and when I would answer the phone, they would hang up.
Product: Debt collection

I had an original amount owed to XXXX XXXX  was XXXX. The debt went into collection with me not having any knowledge of it. The collection company took control over the debt in the middle of the worse pandemic in our life time. Meanwhile, returning to work after being furloughed for almost a year. I notice the collection on my credit report. I reach out to XXXX  and paid the debt in full with the agreement that it would be deleted. The collection agency refuses to verify the debt. The collection agency refuses to verify with XXXX that the debt was paid in full. I spoke with XXXX ( operations supervisor ). He refused to acknowledge that the debt was in fact paid. Please look into my case and ensure that the collection agency are practicing fair according to the law. I am reaching out because I have done everything else to have them comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent Letter last XXXX It's almost 60 days now and doesn't have a response yet. I am a victim of Identity Theft and someone used accounts or personal information without my permission. I was so stressed. I already contacted credit bureaus and furnishers. I need help with this issued.!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2021  BANK OF AMERICA XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX Dear Sir or Madam : As of XX/XX/2021 it is still displayed on all three of my credit report files, XXXX, XXXX XXXX XXXX. I was also notified that I could not use XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on BANK OF AMERICA WITH NO Account number XXXXXXXXXX with a balance of {$64.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. XXXX, XXXX, XXXX, XXXX, XXXX. 

Sincerely, XXXX XXXX, Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$310.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The Department of Ed have reported that I have been late on five student loans from them. ( XXXX XXXXXXXX XXXX XXXX late payments ) First ( XX/XX/2020 ) I disputed with the credit bureau , it was never updated. then I contacted ( XX/XX/2020 ) XXXX XXXXXXXX XXXX in PA : the gentleman that I spoke with ; said no late payments are showing on any of the five loans. and that he will have to see what the credit bureau is reporting. No answer. 

In XX/XX/2020, disputed the issue again XXXX XXXX it was updated, and the closing was dispute resolved - consumer disagrees. 

The supporting documents were sent on the issue, and no one seems to be able to read or care that the wrong information is being reported.
Product: Debt collection

There has been an ongoing complaint that i started with Ford by letter prior to them hiring the attorney they chose. I received a number of letters from Ford in the mail them continuing to make false statements and its very confusing The last letter. received here in the CFPB portal is being attached. im not sure why they persist to renegotiate after they say they are going to do something. The account is not supposed to be affecting my credit anymore. Dealing with them directly they are not honest. They dont follow through and continue to play games with my credit score. They should put themself in my shoes cause they are the huge multi billion dollar company not me. I didnt cause this mess. But not they took ownership of the truck and its gone. they cant give it back to me. Its been over 3 years. so now this is their baby. Not mine. They may have hired their attorney in XXXX as they claim but i certainly didnt hear from them cause all this could have been avoided back in XXXX. Mistakes happen but i cant afford to pay for this one. and they said they were going to mark it paid with a XXXX balance and there should not be a repo either cause i wouldve have NEVER done this knowing all the facts and i have a right to know and the law protects me from this type of behavior. They said 30 days how many times now? This needs to get done!
Product: Mortgage

I am the successor of interest on my father 's mortgage. 
PHH Mortgage will not answer any of my questions about my father 's mortgage directly. 

PHH Mortgage reps keep informing my sister and her attorney that the mortgage is in her name and she assumed the loan, see cour documents. 

My payments are being applied properly to the principal, see attached. 

I asked PHH Mortgage to provide proof that my sister made a deferred balance for modification for {$29.00}, XXXX I talked to a rep who first said my sister made the payment but didn't know if it was a modification adjustment. 

PHH mortgage sends a statement to my sister 's house at XXXX XXXX XXXX in her name but tells me that a statement can be sent in my name due to the policy at PHH. PHH Reps claim that statements can only be in the account holder 's name but clear as day you see XXXX XXXX on the Statement. 

PHH sent my mortgage statement to the wrong address but always had my address on file. 

I have asked for a supervisor to call me back 5xs and in 2month period and no answer.
Product: Payday loan, title loan, or personal loan

I got the loan with the intention to pay it off right away but my position in my job changed abruptly and my pay decreased leaving me in a financial bind. I originally borrowed XXXX and have been paying XXXX biweekly since XX/XX/XXXX with an initial payment of XXXX and can no longer afford it. I called them to ask for assistance or if the pymt could be lowered and they refused. To date I have paid a total of XXXX. I do not want this to negatively impact me anymore than it already has. I know that I borrowed the money with the intention to pay it off quickly but I just want to be able to move on because they have already received their money back and more than the amount I borrowed.
Product: Debt collection

I am writing to file a formal complaint against PORTFOLIO RECOVERY ASSOCIATES for their egregious violations of my rights as outlined in the Code of Federal Regulations ( CFR ) and the United States Code ( USC ). Furthermore, I am disputing any and all debts claimed by PORTFOLIO RECOVERY ASSOCIATES, and I am revoking all rights for them to communicate with me via email, text, and phone calls. U

nder 12 CFR 1006.34 ( b ) ( 5 ), I am entitled to accurate reporting of information to consumer reporting agencies. Despite this regulation, PORTFOLIO RECOVERY ASSOCIATES has inaccurately reported information about my credit history, leading to erroneous information on my credit report. Furthermore, under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have the right to dispute inaccurate information directly with the furnisher. I have made numerous attempts to dispute the inaccuracies with PORTFOLIO RECOVERY ASSOCIATES, but they have failed to investigate or correct the errors as required by law. Additionally, 12 CFR 1006.34 ( d ) mandates that furnishers of information must conduct a reasonable investigation of disputed information. PORTFOLIO RECOVERY ASSOCIATES has failed to fulfill this obligation by neglecting to conduct a thorough and fair investigation into the inaccuracies. Moreover, according to 15 USC 1681-S 2 ( 7 ) ( A ), consumers have the right to accurate reporting of information by consumer reporting agencies. PORTFOLIO RECOVERY ASSOCIATES failure to ensure the accuracy of the information they report to consumer reporting agencies directly violates this provision. In addition to disputing the inaccuracies in reporting, I am formally disputing any and all debts claimed by PORTFOLIO RECOVERY ASSOCIATES. Furthermore, I am revoking all rights for them to communicate with me through email, text, and phone calls, as provided by the Fair Debt Collection Practices Act ( FDCPA ). As part of this dispute, I request the following : Debt Validation : I request that PORTFOLIO RECOVERY ASSOCIATES provide validation of any and all debts they claim I owe, including detailed information regarding the origin and nature of alleged debt. Purchase Agreement : I request that PORTFOLIO RECOVERY ASSOCIATES furnish a
copy of the purchase agreement between them and the original creditor for each alleged debt they claim I owe.

Proof of Licensing and Bonding : I request that PORTFOLIO RECOVERY ASSOCIATES provide proof that they are licensed and bonded as required by law to engage in debt collection activities.

I expect PORTFOLIO RECOVERY ASSOCIATES to comply with these requests within the time frame prescribed by law. Failure to do so may result in further legal action to protect my rights as a consumer. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to investigate these violations and ensure that my rights as a consumer are protected. Sincerely, XXXX XXXX
Product: Debt collection

I was never sent notice of this debt, it just appeared on my credit report. Furthermore this debt is not mine or is older than 7 years old. 

No debt validation was given or sent or a notice that this account was going to be reported to a credit bureau. i would like proof that this account is mine by company furnishing original signed documents, all payment history if this account is mine, and date of last delinquency.
Product: Debt collection

Served by law enforcement agent on XXXX  with a lawsuit claiming that a debt was owed to Midland Credit Management , INC And that I was being sued by Midland Credit Management INC by which, ive never done business with Midland Credit Management INC. This company has used threatening tatics and no business was conducted with said company.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report :
Product: Money transfer, virtual currency, or money service

Chase Bank - Issued a Cashier 's Check the date on the check is XX/XX/XXXX with " Void after 7 years '' printed right next to date. On XX/XX/XXXX ( within 7 years ) electronically deposited check and is was returned with the reason " Stall Dated. '' Went to Chase Bank to resolve issue and have Cashier 's Check reissued. They advised they follow California Regulations and after 3 years send to the State of California Unclaimed properties. Band provided that State of California Unclaimed properties phone number. Bank lied monies have not been sent to State of California when I called and went on CA Unclaimed website and my monies are not there. Bank has failed to in accordance to CA regulations sent me any notification monies need to be claimed or will be deposited with the State of California. 
Chase Banks explanation on " Void after 7 years '' printed on Cashier 's Check is Chase Headquarters is in Ohio and that is the template they use. This makes no sense.
Product: Credit card or prepaid card

My PayPal Master Card/Synchrony Bank XX/XX/XXXX statement, closing date XX/XX/2019 showed I had a rewards balance of {$60.00}. In the past I had always redeemed my rewards balance online and applied it to my balance before the due date and then paid off my balance in full so I would have no interest charges. I had done this for about a year with no problems, but this month I was not able to redeem my rewards balance on line. I would get a message that stated " Your rewards redemption failed ''. I thought it was a typical glitch in the system so I would wait a day or two and try again. I tried at least a dozen times but kept getting the same message, so on XX/XX/2019 I decided to try calling the customer support number on my PayPal Master Card/Synchrony Bank statement. I spoke with Tech Support first and was told that there was nothing they could do about it and was transferred to another department and spoke with a lady named XXXX. She told me that there was a glitch in the system and she would check into it and get back with me. I left her my direct phone number but I never heard back from her. I again repeatedly tried to redeem my rewards online but kept getting the same message " Your rewards redemption failed ''. 

On XX/XX/2019 I decided to pay off my pending balance of {$1300.00} less the amount of my rewards balance of {$60.00} and close my account. I then sent PayPal Master Card/Synchrony Bank certified mail on XX/XX/2019 explaining the situation and assumed by this would resolve the issue and Synchrony Bank would apply my rewards to my balance. On XX/XX/2019 I received two letters from Synchrony Bank acknowledging receipt of my letter but have not received any response from them since and now being billed for the balance of {$60.00} + late fees of {$38.00} per billing cycle and interest charges. As of last statement with a closing date of XX/XX/2019 Synchrony Bank is now showing that I owe them a balance of {$120.00}. Synchrony Bank has also filed a delinquency of payment on my credit report which has resulted in a poor credit rating on my current credit report. 

At the time of the rewards problem I was also having issues with Paypal and my Paypal account. My Paypal credit card and my personal Payal account had been frozen because of what Paypal called suspicious activity and I could no longer use my credit card or move any money out of my PayPal account, but oddly they would let me deposit money if I wanted to. Go figure! I tried repeatedly to resolve the issues at PayPal 's request but was unable to do so. To this day my account is still frozen. I tried closing the account but they will not let me close the account. I have had this account with PayPal for about 20 years and had the PayPal/Synchrony Bank credit card for a little over a year, then all of the sudden I became suspicious to them. PayPal was demanding all kinds of information from me, i.e. copies of my bank statements, picture ID, social security number ( which they had on file ), copies of utility bills, etc.