23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter saying I have debt from Paypal Pay Monthly of {$590.00}. I went to my Paypal account and see no unpaid payments to Paypal Pay Monthly. Everything is caught up. It also says its as of XXXX but I see nothing. If there is any way I could see how to pay it, that would be great or even information of why I cant even see that missing payment.
Product: Credit card

This is the fourth time this has happened with capital one credit card AND my XXXX XXXXt account. My XXXX XXXX account was linked to make payments and it is booting my account off every month for no reason. I provided capital one with everything they asked for from XXXX XXXX, I call every week and it is not resolved. I need this resolved this time. And i need someone from this end to contact me at this point, because this is ridiculous and should not be happening. I want to pay my bills and not be stuck in debt, but capital one is not working and helping me, they keep giving me the run around. Please please please someone contact me and lets resolve this.
Product: Debt collection

I am writing to report multiple violations that Loancare is committing against myself and that is affecting me in a huge way. This company is reporting a wrong payment history on my account and some other UNFAIR BUSINESS PRACTICES that I will explain in this complaint. My account information : Loancare account # XXXX, opened XX/XX/XXXX. 

I must say that I tried to solve this big issue with them. I sent them a dispute letter on XX/XX/XXXX demanding the proper investigation as that the law requires. They didnt have the decency to investigate the account and THEY DIDNT EVEN REMARKED THE ACCOUNT AS DISPUTED. These two are UNFAIR BUSINESS PRACTICES, serious violations under the Fair Credit Reporting Act. They just ignored my request and didnt do anything about it. I also sent them another letter on XX/XX/XXXX, which they did not answer and didnt make the proper investigation. This company is not respecting my rights at all. 

This account was enrolled in automatic payments. My money was transferred to Loancare each due date. I dont know what happened or if it was an error on their system that they didnt take the payment as the should but I was not even aware of these lates on my report. When the late payments were reported, I NEVER RECEIVED A LATE PAYMENT INSERTION BY MAIL as the law requires. They are being NEGLIGENT and UNFAIR. Loancare is also committing violations to the section ( 609 ) of the Fair Credit Reporting Act by REPORTING FALSE AND ERRONEOUS INFORMATION.

This is affecting me mentally and physically. I have a high level of stress. This situation is just overwhelming for me. The violations that I mentioned can go up when I sat down with my lawyers.

I have a pending mortgage for {$400000.00} because of this issue. This is not fair. I demand a DELETION LETTER from Loancare as soon as possible so I can provide to my mortgage company and get approved with the interests I want. If they refuse to provide me with the letter through CFPB portal, I will not think twice to take this issue to court so it is decided by a judge. Thanks to whomever reads my complaint.

Attached : All documents sent to loancare, whisch they ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed a certified letter to Navient regarding inaccurate reporting of late payments when my loan was in forbearance. There was no correspondence received from Navient in return. They reported that my account was 90 days late in XX/XX/XXXX after reporting it current in XX/XX/XXXX. It's impossible to be 90 days late in a span of 30 days. I responded to their email requesting a forbearance on XX/XX/XXXX. A request for forbearance covers the span of 3 months prior and 2 in advance. The request for forbearance was approved on XX/XX/XXXX. The information reported is currently inactive and should be updated immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a copy of my credit report and noticed a credit card on my report that i did not apply for and had no knowledge of, it is fraudulent and i need it removed as soon as possible as it is affecting my credit and well being, i noticed this fraudulent account XX/XX/2023, XXXX XXXXXXXX XXXX the amount is XXXX $ i have contacted XXXX XXXX  and have not been helped in any way
Product: Vehicle loan or lease

I fell behind when I became injured at work. Ive been trying to catch up. I pay more than the payment past due. The late fees never change only get higher. The payments go towards the payment that is current not the past due amount. Making it go past the 30 days late. The past 3 payments- Ive made small amount each week to watch. Each payment goes towards the current balance leaving the past due and late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX to XX/XX/XXXX, I've even sent certified mail to all 3 B in its bureaus about my Name being wrong addresses. Wrong Loan info. Credit cards From XXXX XXXX XXXX XXXX XXXX XXXX XXXX were supposed to be removed completely removed. I never had those cards physically. also Hard inquires i asked to get removed that were not authorized XXXX credit / XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023. All of these are not mines or did i have knowledge of them being used or authorized. 
I want them all removed, and i want all hard inquiries removed please than you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ I sent written correspondence to TransUnion requesting Verification of Negative Items shown on my credit report. TransUnion was instructed to obtain either Verbal or Written Proof Directly from a Person at that Source, pursuant to 15 USC Section 611 ( i ) ( 7 ) section ( 6 ) ( I ) ( iii ) of FCRA. 

On XX/XX/ I sent second written correspondence to TransUnion re-opening the investigation of negative items listed on my credit report. In this correspondence, TransUnion was instructed to provide VALID PROOF OF VERIFICATION BY PROVIDING ORIGINAL SIGNED CONTRACT/AGREEMENT WITH WET INK SIGNATURE or TO REMOVE ANY AND ALL NEGATIVE ITEMS WHERE CONTRACT COULD NOT BE PROVIDED. 

On XX/XX/ I sent Third Written Request & Final Warning to TransUnion that they are to reinvestigate the negative item shown on my credit report and to provide PROOF OF ACCURACY OF VERIFIED ITEMS BY PROVIDING ORIGINAL SIGNED CONTRACT/AGREEMENT WITH WET INK SIGNATURE OR TO REMOVE ANY AND ALL NEGATIVE ITEMS WHERE CONTRACT COULD NOT BE PROVIDED. 

As of Today, I still have not received any valid proof of verification from TransUnion yet they continue to report the items as accurate and verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint against Experian to the CFPB on XXXX. Experian didn't respond to my dispute within 30 days of my dispute. The law states Experian have to investigate a dispute and send their finding within 30 days. That didn't occur. I open a complaint with the CFPB and my complaint is closed because Experian responds back with a statement that was made up to show they didn't break the law. There was no investigation by the CFPB to find out if Experian followed the law. Instead the CFPB contacted Experian and allowed their response to justify they didn't break the law and violated by rights as a consumer. If that is the case how is CFPB helping consumers by siding with Experian without any investigation into the complaint at hand. I submitted documentation that prove Experian didn't respond to my complaint or gave me results to their investigation within 30 days. That is breaking the law, is that ok with CFPB. this agency is here to defend consumers when their rights have been violated and obviously my rights have been violated and in result my claim is closed. Experian lied and said I asked for them to reinvestigate my dispute. I contacted them and told them to delete the convenient outsourcing account after 30 days of the submission on my dispute, which wasn't investigated and results given within 30 days. This account have to be removed from my account by law, not because anyone feels that is shouldn't be or if the furnisher says it is valid, they had 30 days to do so and they didn't. It isn't enough for CFPB to submit my complaint to Experian and wait until they respond and when they do respond close my compaint. If that is the case why does this agency exist? to trick the consumer in to thinking they can get help when an illegal act has been committed against them only to find out the CFPB is not on their side but working with the entity that committed an illegal act. I submitted documents that support evidence my statement and that wasn't taken into consideration. Leaving Experian not accountable for their actions a message I will surely get out using social media that CFPB is working with Experian to cause harmful acts against innocent consumers. I suggest my complaint is reopened and this time look at the evidence submitted and hold Experian accountable for not following the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX  XXXX XXXX are reporting negative accounts on my credit reports. Not only are they reporting false information the information that they are reporting is not mine information. I called and spoke with the creditors and requested they provided me with documentation showing this debt belongs to me. After further review of the paperwork they have a different social security number on the contract. I called the credit bureaus to report this inaccurate information and they failed to follow up. They stated the information was verified. I sent in a copy of the contract from the company showing the social security number on the contract does not belong to me.
Product: Credit card or prepaid card

Lowe 's 15 U.S. Code 1666d - Treatment of credit balances As a federally protected consumer, Lowe 's is in violation of my rights. My current balance is over {$1.00}, and I demand the amount be refund any part of the amount of the remaining credit balance, upon request of the consumer ( XXXX XXXX ) ; and make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months. Federal laws applies to Lowe 's, no creditor is not an exception to the laws. 

My identifying documents are attached. This proof will be used for any and all correspondences.
Product: Credit card or prepaid card

Dear Sir or Madam : I am writing to dispute a billing error in the amount of {$600.00} on my Chase credit card account on XXXX and XXXX 2019. I was grossly overcharged for my stay at the XXXX XXXX in XXXX, XXXX. I had paid cash and the perceived balance by card but was not properly credited for my stay. I had an earlier dispute on this transaction denied by Chase of {$480.00} which that amount is incorrect. For the record the amount in dispute is {$600.00} as shown on this letterhead. I faxed my inquiry to Chase but somehow they refuse to look into this matter. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. 

Enclosed is a copy of the letterheads from the XXXX XXXX XXXX supporting my position. Please investigate this matter and compel Chase to accurately correct the billing error as soon as possible. 

Sincerely, XXXX XXXX Enclosed : Dear Mr . XXXX, Thank you very much for the stay at XXXX XXXX. 

As we discussed by phone, I am pleased to send you the short explanation of your invoices. 

Reservation XXXX XXXX : the night was paid with points, there are only extras on the bill. The whole authorization has been used for the payment. XXXX HUF->XXXX  USD Reservation XXXX XXXX XX/XX/XXXX : We made an authorization of XXXX HUF ( approx. XXXX USD ) ,2 nights have been paid by card and cash- XXXX HUF ( approx. XXXX USD ) and with card XXXX HUF ( approx. XXXX USD ) therefore your bank will release the rest of the hold on your card which is XXXX HUF ( approx. XXXX USD ). 

Please find attached also the 2 statement of the used credit card history related to your stay. 

If you have any further question, please do not hesitate to contact me any time. 

Best regards from XXXX XXXX Front Office Duty Manager XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX. 
XXXX, XXXX, XXXX Tel : XXXX XXXX XXXX XXXX I Mobile : XXXX XXXX XXXX XXXX XXXX This hotel is owned by XXXX XXXX XXXX XXXX and is managed by XXXX XXXX XXXX XXXX. 
Print responsibly Please consider the environment before printing this email. 
Download all attachments as a zip file XXXX_30_01 .pdf 21.5kB XXXX_29_30 .pdf 21.6kB
Product: Mortgage

I have been in my home since XX/XX/XXXX I went through first time home buyers program, home backed by fha, the originator of my loan is XXXX XXXX XXXX bank originated my loan and castle title closed. I did a fha streamline refinance in XXXX. I did that lower my mortgage insurance lower interest rate and mortgage payment. Did that with first home mortgage, I believed XXXX XXXX nothing would out side of what I mentioned would change. He is claiming that his company was the originator of my loan, I not once stopped sending payments to us bank. XXXX XXXX  attorney is using them in connection with my property, my signature has been forged on all the documents, I did not have an appraisal, not credit report, etc. XXXX XXXX  is lender and servicer. I don't know what to do, the fake documents from the court about my property, it is us bank vs mel the documents attached to paper is first home mortgage and account number that's not mine, XXXX XXXX law firm who is us bank lawyer is part of this. XXXX XXXX firm has somebody forging my name and the are falsifying documents. For the document they allege is from the court I did not go to court, did not agree to anything, but I receive a letter that says order 8s dismissing case with out prejudice and it says pleading being filed in the above referenced case. XXXX case XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX | XXXX  Account # XXXX | XXXX  Account # XXXX | XXXX 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 an account without my written instruction.

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 instruction.
Product: Money transfer, virtual currency, or money service

My cashapp account was closed last week because of a XXXX dollar charge back of some sort.. They sent a notice saying I would not be able to use the app for anything other than cashing out my remaining funds of the total amount to {$280.00} ... The notice states I can use either the card on file which it wont let me use and is resulting in this problem or add a new one.. When I attempt to add another it gives a message saying.. You can only cash out to card ending in XXXX That card is not available I have emailed them more than about 10 times and even reached out on XXXX  and have had friends reach out as well. It has now been a few days later and they say they consider the issue resolved and will no longer respond. Yet, nothing has been resolved and they are still in possession of my money.. All I need is them to allow another card or bank account be added so I can withdraw and then be done with them.. The email on file is XXXX Thank you for any help you can provide I really need this money, especially with the holiday season being here.. I know its not much but its all I have. Thank you
Product: Checking or savings account

ATTACHED IS EMAIL TO THE EXECUTIVE OFFICERS AT WELLSFARGO My name Is XXXX XXXX XXXX. I have been a Wells Fargo customer since XXXX in XXXX. 
Around XXXX maybe, i added my mom XXXX XXXX as a user on another account ATTACHED TO MY ACCOUNT. 
ON XX/XX/XXXX I LOST MY FAVORITE GIRL ( MOM ) VERY UNEXPECTEDLY. 
I received death certificates on XXXX. 
I THEN RECEIVED A LETTER FROM WELLS FARGO REQUESTING A DEATH CERTIFICATE. THE LETTER WAS SENT BACK TO WELLSFARGO with Dates of death and so on. 
I had an ATTORNEY AND MY ASSISTANT monitor this account as iwas in a very dark place.Everything seemed ok no one reached out to me. I log in to the account possibly in XXXX / XXXX and I see Wells Fargo is allowing this account to operate. They are adding monthly fees, as well as paying creditors who have already been contacted. 
I contacted Wells Fargo, these people are questioning me like I'm a criminal and not the victim. I received a few calls from higher ups. Today I received a call while being asleep explaining that I would receive a letter. Me .... just understanding that WellsFargo and their History and Reputation ..i log in to the account .they have the account in a negative almost XXXX balance. 

I'm not wasting another minute of my life on the phones with these XXXX XXXX, from this day forward its legal actions. 
I WILL NOT CALL ANOTHER CREDITOR TO EXPLAIN ANYTHING, THE COMPLAINT WILL NOW GO TO Federal Trade Commission. 


KEY COMPONENT I KNOW THEY RECEIVED THE PROPER INFO TO CLOSE THE ACCOUNT, BECAUSE AS OF XXXX THE CARD FOR THE ACCOUNT NO LONGER WORKED. 

ONCE THIS IS CLEARED .I WANT NO AFFILIATION WITH WELLS FARGO EVER AGAIN.COURT IT IS. 

XXXX XXXX XXXX
Product: Checking or savings account

I put a claim for the amount of XXXX with the bank on XX/XX/XXXX on XX/XX/XXXX they sent me a letter stating that they were going back in my account to take the money back for the company up work on XX/XX/XXXX I also spoke with up work and I gave proof to the bank that up work apologized and that they weren't going in my account and I provided the information to the bank today XX/XX/XXXX the bank retrieved the funds from my bank account at XXXX XXXX  overdrawing my account and they didn't care to fix their mistake or go through the paperwork that I later provided to them
Product: Debt collection

I am not sure what this is from, the company has not contacted me but refuse to update my credit report. 

The dates when this is was from was when my identity was stolen. I had a fraud alert placed on my credit report but after removal this showed up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to this company several of times in regards to unauthorized inquiries on my credit report, in which Ive reached out to the creditors and have been told that they dont have any records of me in their systems and to reach out to the reporting bureau. Transunion has been a headache and causing great pain in resolving this issue. Ive reached out to XXXX  and XXXX  about these same inquiries and they disputed/removed the unauthorized inquiries. Im not understanding why Ive been through so much pain  and stress with Transunion to do the same. Ive been told by several of representatives to file a false police report, which is a crime in my state and Ive expressed this with them. I need these items to be removed, otherwise I will seek further legal actions and will be reaching out to local media.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately.i had two late payment on a account that was in fact paid on time.the consumer reporting agencies need to report all information with complete accuracy.this account has not been late on payments.Ive attached a copy of my report to this complaint on the following XXXX dates for XXXX XXXX account XXXX shows a late payment on XX/XX/XXXX. It says 30 days late. XXXX dates for XXXX XXXX account XXXX shows a late payment XX/XX/XXXX. It says 60 days late. Experian dates for XXXX XXXX account XXXX shows a late payment XXXX XXXX says 30 days late. 

The 2nd error on all three credit bureaus reports comparisons is XXXX dates for XXXX XXXX XXXX account XXXX shows a late payment XX/XX/XXXX. It states in been late 30 days. Experian dates for XXXX XXXX XXXX account XXXX shows a late payment XX/XX/XXXX. Its been late for 30 days.Equifax dates for XXXX XXXX XXXX co account XXXX shows a late payment XX/XX/XXXX. It says 60 days.im now requesting you to investigate the accounts and update these payments to paid on time immediately.thank you for understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I submitted a dispute to Experian to remove inaccurate information which they refused to comply with. IN response, they sent me a copy of my " dispute results '' which showed account information for 5 accounts that do not belong to me. These accounts were the only accounts in the dispute results form of which I am not the owner of, or authorized user of. This means they mixed up my credit file with another consumer, sending me their results which means they sent me someone else 's. This continued lack of incompetence from Experian is appalling and incredibly damaging to my credit profile, as now I have to monitor my credit daily to ensure that no one has gotten my personal information from them sending my credit file to an unknown person. This may cause irreparable damage to my credit score. As I am in the middle of buying a house, I have had to delay that in order to ensure when the mortgage lenders are pulling my credit profile, it is indeed mine and not the other consumer 's. 

This is beyond unacceptable and Experian should not only be ashamed, but prohibited from being the source of credit reporting as they have shown in their history with multiple lawsuits. As a result of the delay in my ability to close on a home, I have also now been forced to lose out on reduced interest rates, meaning I will have to pay more over the course of my mortgage due to their lack of appropriate reporting. 

An example of deliberate misreporting, I filed a direct dispute for an inaccurate address which they claim to have verified which is impossible as no such address even exists, which proves they use electronic means to " Verify '' rather than doing the actual legally required investigation. This address does not exist and they refuse to remove it : Before XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX DC. XXXX After : XXXX XXXX XXXX, Washington , DC. XXXX Neither address are correct nor do they make any sense. I lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington , DC. XXXX I also lived at XXXX XXXX during the duration of my tenancy. Either way, the address as listed above don't make sense, and are non deliverable. The second ( updated ) address makes even less sense as it doesn't even include a building number and just list the two different apartment numbers. 

Also, Experian strategically has " pre-populated '' consumer statements which is restrictive and does not allow a consumer to fully list or identify a circumstance relating to their credit profile that other creditors should know. This is limiting accurate information from being identified in a statement as Experian knows they will not update a dispute correctly and don't want other agencies to know that by allowing a consumer to list or write a statement in free form instead of limiting them to a pre-populate one sentence consumer statement that they have found to be appropriate which is incredibly biased.