23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX offered a insurance plan to insure your debt if you became to sick/lost of job or unable to pay. I was charged a monthly fee for several years. when I became ill and was unable to pay my debt, I applied for the coverage ( 6 times ) they kept saying that they lost the paperwork. A class action law suite was enacted by other members having the same problem. it turns out that they never intended to insure the debts and pocked the money between themselves. " XXXX XXXX & XXXX XXXX v. XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX class action. ( letter enclosed ) You will see that they settled and a cash settlement was awarded to each of us. this debt should have been cleared but it was sold to a third party who calls and sent letters o collection, also they reported this debt to all three credit reporting agencies, causing me to have a lower credit score and denied credit. their name is " XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX phone # XXXX. I have spoken to them on several times and they stated that their boss would not let them look into this matter. what legal action can take to resolve this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Both XXXX and TransUnion have acted on a fraudulent report from XXXX XXXX XXXX without performing any due diligence to lower my credit score by about XXXX points. When I called the organizations to dispute the charges, both organizations state they need 30 days to restore my credit even though I have the overwhelming evidence to prove the amount XXXX is stating I owe is fraudulent. It is unethical that the organizations will instantly drop a consumer 's credit score but will not restore it until after they complete their " investigation. '' Further both XXXX and TransUnion are attempting to circumvent the the Federal Fair Credit Reporting Act ( FCRA ) by preventing customers from reporting and providing evidence to dispute fraudulent charges. XXXX does not list the correct phone number for customers to call to dispute the charges. Their listed dispute phone number XXXX does not provide customers a way to speak to an agent. The correct number is XXXX which is hidden. For TransUnion, a customer can easily call in a dispute however they provide no easy way for a customer to submit supporting documentation. They request all evidence to be mailed to them via snail mail like it is the early XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2024 To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

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 that 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 ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
2. Validate Account XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
3. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
4. Validate Account XXXX XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 
5. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. Validate Account XXXX XXXX XXXXXXXX Account Number : XXXX Please investigate and delete from my credit report. 


7. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit f ile. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian used my information, meaning IDENTITY THEFT AND FRAUD. I didn't give them permission at all to use my personal information. I have sent them countless emails for them to remove these inquiries and bogus accounts. I even sent them 15 USC 1681c-2 and 15 USC 1681B ( a ) they continue to disperse my information to other agencies, and it is extremely XXXX  to gain good credit, house, car or credit, because they are accessing incorrect information, and without my permission to use ANY OF MY PERSONAL INFORMATION. They have constantly ignored me, after asking and demanding that they remove these items! They also ignored the USC-laws as well. 

Please see that these items are indeed removed.
Product: Checking or savings account

During the 2021 timeframe when the SBA was issuing {$2000.00} loans, Wells Fargo froze my checking account and I was unable to receive my loan. 

They stated that my account was frozen because they did not have a copy of my social security card on file however, it was in fact used to open my account. 

So, I provided them with another copy of my social security card and the freeze was lifted. A week or so later, another freeze was placed on my account for the same reason. So once again I provided a copy of my ssn card. 

This ordeal caused Wells Fargo to return my {$2000.00} check back to SBA. 

I informed Wells Fargo about this on several occasions however they never rectified the problem.
Product: Money transfer, virtual currency, or money service

I had set up a new PayPal account to link it to my XXXX for selling my phones and items around my home. I started getting a cash flow into my account and everything was great I've been shipping my items to my customers. Shortly after I get a notification that my account has been limited. I send all the documents that PayPal has requested to the best of my ability. A few days later, PayPal claims that I'm too high risk to be on their platform and places a 180-day hold on my account and limiting everything instructing me to not use their platform again. This is very poor execution of service. just because I am a new seller on their platform I get my money taken and no way of appealing their actions. 
You can no longer do business with PayPal. ( Ref ID - XXXX ) Account email XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of last year I heard about Equifax data breach which got me worried enough to purchased a copy of my credit report from XXXX that got me so disappointed to find out that I have been a victim of identity theft. I discovered that someone unknown to me had used my personal information to get credit cards and personal loans from the following companies : XXXX XXXX XXXX and XXXX and XXXX XXXX. I immediately contacted XXXX identity theft division and told them of my finding which i got advise by a very helpful person by the name of XXXX to file a police report and an identity theft report and send it to every credit reporting agency along with the copy of my credit report and copy of my id and social security and let them know which account was opened up fraudulently and they would block those account from my credit report. Both XXXX XXXX and XXXX had removed those fraudulent accounts from my credit report immediately, but in other hand i been having problem with EQUIFAX and after going thru waiting for hours to speak to some one and sending them my FTC report and police report still we are at the same stage, not only nothing has not changed they never indicated that account ever been under investigation which brought me here for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Credit bureaus failed to report to my credit report for the month of XX/XX/2022 on my XXXXXXXX XXXX XXXX XXXX account : Experian and XXXX. I contacted the XXXXXXXX XXXX XXXX XXXX and they stated that they sent all the information to all the credit bureaus for the monthly updates. The only one that was updated was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

on XX/XX/2020 @ XXXX my wife went to purchase an XXXX XXXXXXXX from a seller on offer up for {$300.00}. The seller told my wife she can pay through cash app and our order will be at our home within 1-3 days. We said ok! and asked for the tracking number. I say about 10 minutes went by and we noticed we have not received a tracking number.. so i requested my money back twice but the seller declined then deleted their account on offer up and blocked us on cash app.. we reached out to both cash app, offer up, and even our bank. Everyone said there's nothing they can do so our bank told us to contact your company to help resolve and hopefully recover our funds.
Product: Debt collection

Subject : Request for Removal of Inaccurate Charge-Off Under FCRA Section 1681 ( e ) ( b ) Dear Sir or Madam, I am writing to formally dispute the inaccurate information that appears on my credit report. Specifically, I am disputing the following account : Creditor Name : WFBNA CARD Account XXXX Date of Charge-Off : XX/XX/year> Amount : {$910.00} The information regarding this account is inaccurate and incomplete. Under Section 1681 ( e ) ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they include in consumer reports. 

I believe that your agency has failed to meet this standard in regard to the reporting of this charge-off. I respectfully request that you re-investigate this matter by contacting the original creditor to verify the accuracy and completeness of this information. If the account can not be verified or is found to be inaccurate, I demand that it be promptly removed from my credit report in accordance with FCRA 1681 ( e ) ( b ). 

Additionally, under Section 611 of the FCRA, credit reporting agencies must investigate disputes within 30 days. If the charge-off can not be verified, the credit reporting agency is required to delete the inaccurate information from my credit report. 

Please send me written confirmation once the investigation is complete and the inaccurate charge-off has been removed. I expect a response within the 30-day period, as required by law. 

Thank you for your prompt attention to this matter.
Product: Debt collection

My wife and I both got a call about being served papers for a complaint from a debt against myself. Told to call a number if not available to sign on that day. My wife and I both called to find out information. Phone number is XXXX. The person on phone said it was a debt owed to Toyota for a vehicle purchased back in XXXX and was auctioned in XXXX and I owe the remainder of bill. I never purchased a Toyota in XXXX. I believe this is a scam. When I tried to look up the company city serve which the company they are claiming to be it comes up with XXXX  charity and a church charity, instead of a debt company that serves papers.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I was making a purchase for lawn furniture in the amount of {$79.00}. I was paying for it via my PayPal account. As soon as I select purchase I notice the company was charging me an additional {$1000.00}. I immediately reached out to PayPal on the same day. They advised that it wouldve investigated. I thought it was taken care of until the funds left my account on XX/XX/2021 in the amount of {$1000.00}. This depleted my entire balance in my checking account and part of my savings. I immediately contacted PayPal again on XX/XX/2021 in which they advised they were still trying to reach out to the company. I advised PayPal I needed my funds immediately. I had bills to pay. I reached out again on XX/XX/2021 to PayPal checking on the status and was advised that this was still being investigated and give it a couple more days. I followed up again on XX/XX/2021 at this point I was advised that I would be given provisional credit in the amount of {$1000.00} while the case was being investigated. On XX/XX/2021 I received the funds in my checking account. On XX/XX/2021 I receive an email from PayPal indicating the investigation is done. As a result I owe the retailer and they will be taking the funds out of my account. This is absurd. I thought PayPal was to protect consumers. I dont even have this merchandise. This has to be against the law.
Product: Money transfer, virtual currency, or money service

Money in the amount XXXX was sent out of my account out of error and there was no recourse from the company Zelle just kept directing me to my bank and my bank couldnt do anything and referred me back to Zelle it was headache and was never handled or the money wasnt recovered
Product: Bank account or service

I was signed up for the Wells Fargo Identity Theft Protection Plan on XXXX XXXX, 2010 and I do n't ever remember signing up for this service. I am charged {$15.00} a month and it dates back over the past 6 years. I went into a Bank and the woman was rude and would n't help me or let me talk to a banker when I asked and when I called the number the man would not help me figure out how I was signed up for the service.
Product: Credit card or prepaid card

My husband and I ( both Barclay card holders ) re-financed our home in late XXXX through XXXX XXXX ( XXXX. ) In the refinance, we used equity to pay off or down XXXX loans/credit cards. We were furnished checks from our lender to mail into our credit card/loan companies. All were carefully mailed in to each of our creditors with checks made out to the specific companies ; we made sure to include most recent statements and account numbers etc. One of the largest checks, {$17000.00}, was made out to Barclays Credit for my credit card. Another was my husband 's Barclay card for {$6200.00}. All 7 of the checks were made at a United State Post Office, snail mail, on XX/XX/XXXX. All of the other payments were promptly received ( including my husband 's Barclay card payment ) within a week or two. I started getting threatening letters from Barclay saying I had not paid within 8 or 9 days after XX/XX/XXXX. I called Barclays and was treated rudely, and told I had to wait 15 days by company policy for them to reflect payments. I refused to pay more feeling that {$17000.00} was plenty on my payment for XXXX which was due XX/XX/XXXX. ( Of course by that time they were piling on late-fees etc. of {$300.00} or {$400.00} more ). Fearing that the {$17000.00} payment had been lost in the mail, I called our Mortgage company, XXXX XXXX, and received, in writing, that the Barcly Bank card check of {$17000.00} cleared on XX/XX/XXXX. During this time my husband and I both called Barclay and were rudely hung up upon when we asked to speak to a manager - twice in one night. I was so upset, my husband made the contact for me and he was hung up upon also. A week ago the same person ( XXXX? ) who hung up on us called me and admitted Barclays system had had a problem or glitch on XX/XX/XXXX or XXXX, but they should be back with us in a week. That was a week ago. Today my husband received a letter saying his credit had been limit dropped from {$7000.00} to like {$2000.00}. ( Keep in mind, his income has not changed in some 10 years ) I received a threatening letter stating I had not yet made my XXXX payment and would be sent to a credit agency. My husband and I are seniors ( husband XXXX and I nearly XXXX ) and this has been terribly stressful. I do not care to contact Barclays further given the rude treatment we've received ( although " XXXX '' last week did kindly notice that I had never once been late on a credit card payment until this XXXX " lateness. '' Last Wednesday she said I now had a case id of XXXX, and that I would hear something in one week. 

Tomorrow, XX/XX/XXXX, will mark exactly one month since my payment to Barclay 's was mailed in. Meanwhile in continue to get threatening letters from Barclay saying I have not made my XXXX payment, and my credit score is being damaged by their failure to put this payment on the books. I do not know where else to turn.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have a late payment on an 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 any payments. I've attached a copy of my report to this complaint on the following date of XX/XX/year> and. I'm now requesting you investigate the XXXXXXXX XXXX XXXX XXXX XXXX account and update this payment to paid on time immediately. Thank you for your understanding and prompt action. 

15 U.S. Code 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase auto finance has reported 1 late payment on my credit report and I was never late. I have no lates and I am a responsible person my payment was alway on time. Its reported in XX/XX/2017. I contacted the company but they would not here me. The payment was sent on time.
Product: Debt collection

The account from a collection called TSI transworld system placed an account on my report that does not belong to me..i explained it to the representative and the credit reporting companies but the are very rude and wont remove it.
Product: Prepaid card

I received an Amex gift card on XX/XX/23 and I attempted to make a purchase on either XX/XX/23 or XX/XX/23. If I recall correctly, the websites were XXXX and XXXX. The order was under the card balance of {$200.00}. The first time the order declined I tried a couple other times to see if it was an error on my part ; however, each attempt said the same thing : the order can not go through or my card was declined. I called the number on the card and checked the balance on the Amex website and the card was active and had the full amount on it. The item I need to purchase can only be found online, but Amex gift cards seem to only work in store.
Product: Mortgage

This Complaint is in regards to loan # XXXX with Planet Home Lending. 

The loan was transferred to Planet Home lending for servicing on XX/XX/2020 as none-escrowed loan as represented in the closing disclosure document from the original lender XXXX XXXXXX/XX/XXXX. See attachment 1 - Loan XXXX Closing Disclosure. 

On XX/XX/2020, I paid my property taxes to XXXX XXXX Treasurer Tax Collector as the loan is none-escrowed. See attachment 2- Loan XXXX Property Tax Payment. 

On XX/XX/2020, I received XXXX monthly mortgage statement from Planet Home Lending claiming they paid property taxes on my behalf on XX/XX/2020 and added an escrow advance with negative balance of {$2800.00} to my account even though the account is none escrowed. See attachment 2 - Loan XXXX XXXX statement. 

I confirmed with XXXX XXXX Treasurer Tax Collector that they have never received any payment from the lender on my behalf and the only payment they received is the one I paid online myself. 

Since then, I have called the lender more than 5 times in separate occasions and explained the error multiple times to different customer service reps and emailed them copy of the closing disclosure showing the loan is none-escrowed. However, they are refusing to remove the escrow advance negative balance from my account. In fact, the negative balance still shows on the most recent statement and annual form 1098. See Attachment 4- Loan # XXXX XXXX Statement and 1098 Annual Statement Im currently in the process of refinancing the loan with another lender and afraid that Planet Home Lending provide misleading payoff letter to the new lender showing I have negative balance of {$2800.00} on my escrow account which will be added to the new loan balance. 

Please protect me against this lender fraud that going on for over 2 months with no resolution from the lender.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. See attached file below
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. 

I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX BUT TO DATE I HAVE NOT RECEIVED A INVESTIGATIVE RESULTS REPORT AS OUTLINED UNDER THE FCRA.. YOUR FIRM COMMITTED TEN 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. 
ALSO, THERE ARE ACCOUNTS REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE.
Product: Debt collection

XXXX XXXX bought my defaulted loan from Santander. The Statute of limitations in Florida is 5 years. The loan was sold to XXXX XX/XX/2015. XXXX refuses to take this off my credit report.
Product: Student loan

My loans were under the REPAYE plan and were under the recent administrative forbearance. Although this was supposed to be XXXX  interest during the time period, and 0 % is listed on the loans info, my loans keep accruing unpaid interest which was rolled over into the principal.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.