23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Applied XX/XX/2020 for a forbearance extension due to financial impact of covid 19. Never received an update after repeated calls and messages. Was then sent a letter of intent to foreclose after missing XXXX and XXXX payments. I received the notice of intent on XX/XX/XXXX. I then called Rushmore again requesting assistance. I was sent an application to complete and documents to submit. I submitted a complete package received XX/XX/XXXX and have made several calls requesting an update and keep being told it is under review and should have an answer in 10 business days which have passed and it is beyond 10 business days
Product: Credit reporting, credit repair services, or other personal consumer reports

My oldest Credit Card had an annual fee of {$35.00}. I called Capital One and asked if they can change my credit card to a " no annual fee '' one without closing my old account. They said " yes '', and told me that they can make this happen by doing a " change of product ''. They explained to me that not only I get to keep my old account, I get to keep my old Credit Card number as well. After a month, I checked my credit score ( report ) and they reported it as a closed account. Not only it lowered my average credit age, it also lowered my overall credit score. This practice is misleading and unacceptable.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX, PayPal account number is XXXX. I have been noticed an unauthorized PayPal international money transfer of {$1200.00} USD on XX/XX/2022 by text message, and I have notified PayPal for unauthorized transfer and open dispute case on XX/XX/2022. The case ID is XXXX. The money is {$1200.00} USD ( NT {$31000.00} TWD ) is transferred to XXXX to someone I dont know, and from my XXXX XXXX credit card. It seems that the money is still on hold till XX/XX/XXXX, and PayPal could reverse the transaction. But I received the email from PayPal today said they consider the fraudulent transfer activity valid. Which is definitely not true at all. Please take action to cancel the money transfer immediately and reverse the fraudulent transaction asap. Thank you!
Product: Credit card or prepaid card

I closed the credit card, but they charge me membership fee.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Demand for Immediate Deletion of Collections from Credit Report Pursuant to FCRA and Consumer Law To Whom It May Concern, I am writing to demand the immediate deletion of any collections entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified collections entries that are inaccurately reported and must be removed promptly to avoid legal repercussions. I demand the following collections entries to be deleted : Consumer adjustment company. 
I assert that these collections entries are inaccurate and violate my rights under the FCRA and relevant consumer protection laws for the following reasons : 1. Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of these inaccurate collections entries on my credit report constitutes a violation of these laws. 2. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of these inaccurate collections entries from my credit report unless the creditors wish to face penalties of up to {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law. 3. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditors and any consumer reporting agencies that continue to report these inaccurate collections entries on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter. I demand that you take immediate action to delete the inaccurate collections entries from my credit report and provide me with written confirmation of their removal within 7 business days of receipt of this letter. Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$13000.00} Loan amount {$14000.00} paid $ 490 Monthly {$520.00} You have 97 % left to pay on this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX ( XXXX ) is not licensed to debt collect in Pennsylvania. I have sent them sever CnD 's however the are still furnishing innaccurate informtion on my report. No such records with my signature have been provided. These accounts were opened fraudelenly and your reporting of this information is fraudulent as well. I was never contacted. Pleae provide proof other than words of how nd when I was contacted, I have disputed this several times. There is no contract between me and XXXX I am going to file an ftc report and contact my lawyers immeditely.
Product: Debt collection

Received notification from XXXX XXXX on XX/XX/XXXX that a collection account was posted to my credit report. Credit report indicates collection account from Portfolio Recovery Associates. Never received any notification by mail of this account or this action. Had no opportunity to verify or dispute alleged debt. Repeated harassing calls from rotating numbers several times a day for months no messages ever received. Research on my part indicate the numbers are Portfolio Recovery Associates. Still unclear where debt originated or what the account is. Portfolio Recovery Associates reported to credit bureaus age of debt is reported as 4 years 10 months showing was opened in XX/XX/XXXX. We had filed bankruptcy XX/XX/XXXX. I believe from research we can not be sued but it shows up as a collection account. Under Texas Debt collection act it is past statue of limitations.
Product: Checking or savings account

On XX/XX/year>, I asked XXXX to cancel my reservation. They canceled my reservation incorrectly, causing me a loss! When I questioned this they gave me a bonus of XXXX XXXX, which would be credited to my account in 7 days, this bonus was never credited! And whenever I try to settle with XXXX they never do! 
In the end I filed a claim with Chase bank to get my money back and they closed the case in favor of XXXX XXXX XXXX XXXX as I sent them all the necessary proof and I lost out.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA, on XXXX and XXXX XXXX XXXX violated my consumer rights. On XXXX and XXXX XXXX XXXX XXXX XXXX XXXX violated my consumer rights. On XXXX XXXX XXXX XXXX XXXX violated my consumer rights. 15 USC 1681 Section 602 states that I have the right to privacy. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, and XXXX XXXX XXXX XXXX illegally shared my personal information with an unauthorized third party ( Equifax ). 15 USC 1681 Section 602 also states that a consumer reporting agency can not furnish an account without my written instructions.

Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports. Equifax has failed to supply proof that any of the above listed companies had my written permission to access my Equifax consumer report. Equifax must DELETE the above listed Hard Inquires from my consumer report.
Product: Credit reporting or other personal consumer reports

After reviewing my report, there are several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document tha tyou have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report. Per 15 U.S.C 1681e Whenever a consume 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. According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. Furnish information about accounts or other relationships with a consumer that is accurate. C- Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. I HAVE ACCOUNTS ON MY CREDIT REPORT THAT I DO NOT RECOGNIZE AS EVERDOING ANY BUSINESS WITH THESE COMPANIES. PLEASE DELETE THEFOLLOWING ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and there are charge off accounts appearing on my credit report that I have no knowledge about. U have never received anything in the mail from the creditors. I would like to see all the information regarding these accounts like when they were open, addresses cards mailed too, transactions receipts and signed applications from each creditor. Equifax, XXXX  and XXXX  are allowing these creditors to report incorrect information to my credit report.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

***PLEASE REVIEW, URGENT INFORMATION REGARDING THE PRACTICES AND TACTICS OF COMMONWEALTH FINANCIAL***** I have never before in my life had an agency that is so incompetent and downright sleazy than this debt collecting company. Upon first review of looking up this company - immediately red flags. No one says ANYTHING positive about them, and for good reason. Let me tell you my story - I owe XXXX $ on a medical bill that I could not afford at the time. This bill went to collections, where Common Wealth Financial inherited by account. Upon first contact with them, they were aggressive, unprofessional, and exceedingly degrading. They were telling me, the customer, upon first contact, that not paying medical debt is illegal and that the account will incur interest with them, and that I needed to pay 1/2 of if off immediately to avoid more fees/other charges. They would not allow me to set up a payment plan - they told me that since my balance was " low '' for medical, that my treatment wasn't that extensive and that I should be able to pay it off since I'm " better now. '' This is so absolutely degrading and unprofessional and how they are still allowed to operate is beyond my comprehension - I am sure that this account, my story, is one of thousands since many people that I personally know can attest to the treatment that this " company '' is known for. 

I am not asking for my debt to be cleared. I am not writing this because I am upset about the debt. I am upset at the blatant disregard that this company has for the individuals that it is supposed to serve. Please look into this very closely. I am currently thinking about getting attorney representation for this. No one should have to go through this, and maybe with all of these accounts of negligence, they can finally be held responsible for their malpractice.
Product: Credit reporting or other personal consumer reports

This complaint is directly related to an open complaint with a company called XXXX XXXX that was filed on XX/XX/XXXX and last response from this company/ entity on XX/XX/XXXX as to Company is still working on your complaint. 

I had also filed a similar complaint with the XXXX  against XXXX on XX/XX/XXXX and received a correspondence from the BBB today as to an update. Attached is the XXXX  response as to after several attempts to contact this company, XXXX XXXX they have received no response back after these several attempts. The BBB gos on to further state that they understand that by this company ignoring me and this complaint is quite serious, they will report this on the companys public profile for the next three years and affect their negatively with the XXXX. 

Im sending this additional information to the original complaint to you on XX/XX/XXXX with that complaint # being XXXX against XXXX still has not XXXX back as well with the exception of XX/XX/XXXX as the company is still working on the complaint but as of today, XX/XX/XXXX has not responded to your agency under complaint # XXXX. Both the irresponsible behavior and none response to the XXXX  and ignoring me and that complaint but has also refused to respond to your complaint Ive just mentioned is unacceptable, unethical and is a serious concern of mine now as it involves my personal information and requesting information and a response as to their actions of running my credit information is extremely concerning. Im hoping with this new complaint along with an open complaint Ive mentioned that has not been, and adding this additional XXXX  information, your agency can take some of a more serious approach and action against this company/ entity.
Product: Debt collection

On XXXX XXXX, I was aware of the collection from Cbe group. Which is a collection company for XXXX XXXX XXXX from what it says. I 've never have XXXX XXXX XXXX my identity was stolen. I 've filed a police report so I would like this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account with Capital One was paid in XX/XX/2020, but the company is still reporting the account as a collection/charge off account with XX/XX/XXXX and XX/XX/XXXX. This collection/charge off is showing up in the account status and payment status. These statuses are incorrect. The company should have updated these statues when the account was paid and closed. I disputed the information and the company verified the statuses as accurate, which obviously is not correct.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian regarding the illegal reporting of a charge-off, which is considered a certificate of indebtedness and therefore income under IRS Publication 4681. This erroneous reporting violates federal regulations, including the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974, causing significant financial and emotional distress. The charge-off, considered as income per IRS Publication 4681, should not be included in consumer reports, as explicitly mandated by federal regulations. However, Experian has inaccurately reported this income, breaching the FCRA and IRS guidelines. This misleading reporting not only misrepresents my financial standing but also infringes upon federal regulations designed to ensure accurate and fair reporting to consumers. Despite my attempts to rectify this issue directly with Experian by disputing the inaccurate information on my consumer report, the erroneous reporting persists. This continued misreporting has substantially hindered my ability to access credit and financial opportunities. Furthermore, Experian 's actions violate several federal statutes, including : 1. Violation of FCRA Sections 1681 ( a ) and 1681 ( b ) : Experians illegal reporting of inaccurate information without my explicit consent contradicts the FCRA, impairing the efficiency of the banking system and undermining public confidence essential to its functioning. 2. Violation of FCRA Section 6802 : Experian reported information without my consent, breaching my opt-out rights and failing to disclose clearly and conspicuously that such information could be disclosed to third parties. This continuous inaccurate reporting has resulted in substantial financial damages and emotional stress. Moreover, it directly contravenes federal laws aimed at protecting consumer privacy and ensuring fair and accurate credit reporting. I respectfully request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Experian for their egregious violations of federal statutes. Additionally, I seek immediate rectification of the inaccurately reported information on my consumer report to mitigate the ongoing financial and emotional distress caused by their actions. Enclosed are supporting documents detailing the inaccurate reporting and relevant federal statutes for your review and consideration. Thank you for your attention to this matter. I eagerly await your prompt response and resolution.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding inaccurate information on my credit report. On XX/XX/year>, I notified each credit bureau that as a federally protected consumer, I opted out of any and all authorizations, verbal, non-verbal or written and unwritten, per 15 USC 6802 in accordance with the Fair Credit Reporting Act ( FCRA ). 

Despite this notification, my credit report continues to reflect inaccurate information that should not be present. This situation is not only affecting my credit score but also my ability to secure credit and other financial opportunities. 

I request that the CFPB take appropriate action to ensure that all inaccurate information is investigated and removed from my credit report promptly. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit card or prepaid card

I have had the Bank of America Visa since XXXX. In XXXX, I added my daughter as an authorized signor on the account. We recently agreed that she should be a joint owner, and contacted Bank of America for the necessary paperwork. The paperwork was completed, financial information and signature accepting legal responsibility by my daughter and my signature authorizing her to be added to the account. These were mailed to the Bank of America, XXXX, TX address on XX/XX/XXXX via the USPS. 

On XX/XX/XXXX, she gets a letter congratulating her that her request for being a co-applicant was approved. It was HOWEVER approved for the account of XXXX XXXX XXXX with an account number ending in XXXX. The account number is different that mine, and neither of us know a XXXX XXXX XXXX. 

My daughter asked, multiple times to please look at the paperwork adding her erroneously to the XXXX account, so she could be rightfully added to my account. The supervisor said that the bank did not have access to the paperwork, and to reapply again. 

We have a concern for the following : We sent in an application XX/XX/XXXX to have daughter added as a co-applicant to my account ( referenced above ). 
She received an approval dated XX/XX/XXXX and received a week later but was added as a co-applicant to a XXXX XXXX XXXX account # XXXX rather than my credit card account. 
Despite several calls by daughter and myself, no-one at the bank would even check if the application should have been adding my daughter to my account. They instead closed the XXXX account for fraud. 
Bank of America claimed that they can not access the application for credit ( adding daughter as a co-applicant ) to verify if it were fraud or a mispost. 
There is an application for co-applicant on my account with account numbers, signatures, social security information and financial information that the bank claims they do not have, although within an appropriate timeframe they added daughter to a stranger 's account. 

The credit card account has been open for 23 years, has never been a day late, and profitable for the bank. I hope that you can help us with our issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account from XXXX XXXX appears on my credit report and I have never had an account with them or done any business with that person. Due to this inaccuracy on my consumer report the credit reporting agencies are not in compliance with 15 U.S.C 1681e 607. ( b ) Accuracy of report. 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: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Midland credit management inc XXXX XXXX XXXX XXXX XXXX, MI XXXX Account numberXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ca XXXX Dear Midland credit management inc , I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Debt collection

I called after being homeless during covid 19 and getting back on my feet they said if I paid in full they would remove from credit as this has destroyed my ability to move forward so i paid teo months ago waited, disputed paid in full sent them email they said they didn't care what it said they got their money.