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

I am filing this complaint due to unresolved inaccuracies in my credit report related to a SYNCB/PayPal Credit account , as reported to XXXX. The report contains incorrect information, including allegations of delinquency and derogatory remarks, which do not reflect my actual credit history. 

Discovery of Inaccuracies : I noticed these inaccuracies upon reviewing my credit report from XXXX. 
Initial Dispute Actions : I sent a formal dispute letter to SYNCB/PayPal Credit , contesting the inaccuracies and demanding compliance with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX standards. This letter specifically challenged the reported payment status, credit limit, account status, and the accuracy of the last verified date. 
Specific Discrepancies : The primary concerns include the reported payment status as 'CollectionOrChargeOff, ' an incorrect credit limit of {$1400.00}, and the account status listed as 'Open. ' Additionally, the last verified date reported as of XXXX ' is contested for its accuracy. 
Demand for Verification : I have requested documented proof of compliance with reporting standards and applicable consumer laws, emphasizing the necessity for accurate, complete, timely, and validated information. 
Lack of Adequate Response : To date, SYNCB/PayPal Credit has not provided satisfactory evidence or resolution to these disputes. 
Impact on Credit : These inaccuracies are adversely impacting my credit score and my ability to secure financing. 
Resolution Attempts : Despite giving SYNCB/PayPal Credit a 30-day window for investigation and correction, the issues with this account remain unaddressed. 
I am seeking the CFPBs assistance to ensure the correction of these errors on my credit report by SYNCB/PayPal Credit and to uphold the standards set by the FCRA and XXXX XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX ran two hard inquiries for a secured credit line, bringing my credit down 17 points, devastating as the secured credit card is for helping build credit and the creditors take zero risk as I cant spend over my own deposit,. This act is predatory and no reason for two hard inquiries for a credit line that was excepted? was also told it would be a soft i inquiry as its a secured credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

What is going on with the world? I know CO-Vid is making things take forever but this is just ridiculous. I've been trying to get the credit bureaus to investigate some accounts for me since XX/XX/XXXX. They haven't done anything. No notices and no status updates on my credit monitoring showing anything has been done or even initiated. I sent a second round on XX/XX/XXXX and again nothing. Can I get you guys to get the credit bureaus off their lazy XXXX  and do some work? CO-VID or no, I still have to work so why can't they?
Product: Debt collection

XXXX XXXX  has repeatedly issued fictitious loans against my Florida property without any appraisals, any regulatory safety measures and has continually misrepresented facts and using government officials, government resources and government employees to aid the fictitious loan schemes. 

The notaries, attorneys and clerks are acting under unlicensed activities and do not have the authority to endorse any loans and fictitious loans without appraisals with repeatedly signing off in my absence.
Product: Credit card or prepaid card

On XX/XX/2022, I was notified by bank of america email that some suspicious activity was on my visa credit card. My card was placed on hold that same day ( unable to be used, and unable to view account on-line ). 
I contacted bank of america fraud department XXXX on XX/XX/2022 and with them determined some XXXX XXXX charges from a state in which I do not live were fraudulent. That {$68.00} fraudulent XXXX XXXX charges were removed from my account on XX/XX/2022. 
B of A then cancelled that credit card and issued me a new one, mailing it on XX/XX/2022. I have not received the new card yet. 
On XX/XX/2022, I noticed a {$3000.00} ACH PAYMENT REFUND charge on the same account, but I ( or any bank of mine ) was NOT the recipient of that money. 
Side note - bank of america accepted my recent XX/XX/2022 payment from a valid bank account of mine, so it should have been easy for them to confirm the {$3000.00} ACH PAYMENT REFUND was going to the correct account, but they obviously did not. 
On XX/XX/2022, I called and spoke with more than 6 people at B of A trying to resolve the fraudulent ACH PAYMENT REFUND. I just keep getting placed on hold and talking to different people - fraud, account services, back to fraud, etc. The last person I spoke with said I'd have to go do a bank of america location in person ( nearest location is over hour away ) and show 2 forms of ID to lift restrictions on my account. They won't even discuss any more with me unless I do that. 
Just wanting that fraudulent {$3000.00} ACH PAYMENT REFUND removed from my account, as it did not go to me or any bank account of mine.
Product: Checking or savings account

My accounts are BOA overdrawn. Accounts ending XXXX and XXXX. The accounts ending in XXXX and XXXX should n't even be open. My debit card was stolen and unauthorized transactions were made on the account. I advised BOA to investigate, refund the charges and close the accounts, which has never happened. Now accounts XXXX are overdrawn as well with more unauthorized charges. I have been having nothing but problems with BOA and my accounts with them.Their agents refuse to help and do what I the consumer am directing them to do. I demand the charges be refunded and all accounts be bought current. Also for accounts ending in XXXX and XXXX to finally be closed like I 've been requesting BOA to do.
Product: Checking or savings account

I am a XXXX XXXX XXXX  XXXX XXXX checking account holder. 

My account was transitioned to Chase a few months ago. As a result of this merger Chase has been subject to close inspection and monitoring by the regulatory agencies regarding how they handle these customers.

In the process of moving me and my spouse to this new Chase account there have been a few NSF checks deposited due to errors and now Chase is threatening to close my account due to these few issues.

I want Chase to remove their restrictions and either remove the mobile deposit attempts for these checks or allow me to re present them after I resolve the issue with the funding source. 

These restrictions are blocking direct deposit which has not allowed my payroll to come in and is putting me in a negative balance.
Product: Credit card or prepaid card

Today XX/XX/2020, my husband and I received a PayPal Prepaid Mastercard ( The XXXX  XXXX  ) via US mail for an individual unknown to us at the address where we have resided together for the last 5 yrs. Because we are the original owners of our unit, our concern is that this person may have a PayPal Account set up in his name and is unlawfully using our mailing address in his account profile. 
I attempted to contact PayPal directly about this today XX/XX/2020. A gentleman informed me that this would be a Mastercard issue, then transferred me to the automated system of XXXX where I spent the next 10 minutes trying to circumvent their system in order to speak to a live person, who told me he would need to transfer me to the Fraud dept. He assured me that he would be staying on the line to introduce my call and problem, but after several minutes an automated voice ended the call. So I called the CFPB phone number from the MasterCard brochure, and spoke to XXXX who suggested that I file this complaint online.
Product: Debt collection

For the past several months, Healthcare Revenue Recovery Group ( HRRG ), has been repeatedly calling my phone before XXXX each day. I have requested a " cease and desist '' all communication ; but it has been ignored by HRRG. The harassment has been ongoing.
Product: Checking or savings account

Company did finally response and part of the response claims " Please be advised our records reflect the official bank check was provided free of charge. '' Unfortunately this is NOT true. We were charged an {$8.00} processing fee by XXXX XXXX bank employees. We paid in cash and received no receipt for the {$8.00} fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached affidavit which has already been submitted to both XXXX XXXX XXXX and Goldman Sachs Bank. And XX/XX/XXXXhas the audacity to sent a letter to me the consumer, natural person, and original creditor stating that this alleged debt, this charge off was validated and that the alleged debt was mine. This has infuriated me, I personally feel threatened being that with that Goldman Sachs and XX/XX/XXXX are both telling me they are above law in which Congress enacted.
Product: Checking or savings account

A family member used my card to buy concert tickets. I've attempted to dispute the transaction with my bank, Wells Fargo and the merchant, and both have been unhelpful. Wells Fargo has denied my claim, and told me to contact the merchant. The merchant has told me they don't ever offer refunds and has told me to contact my financial institution who has denied my claim. Because of this, this has put me in a tight place financially.
Product: Vehicle loan or lease

The car loan started on XX/XX/2013 in the amount of {$21000.00}. The monthly payment is {$520.00}. More than 5 years has passed and they show the loan balance is {$19000.00}. Only {$2000.00} has been applied to the principle. The trade in value is {$3000.00} and private party sale value is {$6000.00} according to XXXX XXXX XXXX. This is just not right. The loan has over a year to go before it reaches maturity. 

They are also incorrectly reporting the payments to the credit bureaus and affecting my credit in a major way. The information they are reporting does not match the information on my statements. 

I am completely trapped! This is without a doubt extortion! 

The lender is Consumer Portfolio Services located in XXXX, California.
Product: Credit reporting or other personal consumer reports

I was XXXX XXXX to an XXXX area in XXXX with limited internet and postal options in XXXX of XXXX thru XX/XX/XXXX. During that time period, I was unaware that my mortgage account was purchased by Carrington Mortgage Services , LLC around XXXX of XXXX. I had no notification of such changes until my mother ( back in the U.S. ) notified my via XXXX XXXX that a Carrington mortgage statement claimed 4 months of arrears of mortgage payment and possible default on loan. I immediately authorized my mother to make money order payment of {$4500.00} in the month of XX/XX/XXXX to Carrington Mortgage Services , LLC . to become current on my home loan. I did email Carrington Mortgage Services a copy of my XXXX XXXX orders showing XXXX  XXXX status and they marked 60 days as " suppressed '' but still reported as a 90 day delinquency to all 3 Credit Bureaus. Which has been devastating, in the limitations it has placed on my options to use my XXXX XXXX to purchase a new home upon me returning from this deployment.. 

I have had my mortgage payments on autopay for 3 years and can show a positive history of on time payments. 

Carrington Mortgage could not explain why previous fault months were suppressed and no late fees were placed but still reported as 90 days delinquent and had no desired to adjust.

Carrington Mortgage did not have my correct email address on file. *so no electronic notification of new lender or late payments during my XXXX. 

Carrington Mortgage does not provide current avenues of communication for their loan admin dept. No contact email or phone number. Only mailing address or Fax # for information requests.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX The information listed below, that is currently listed on my credit report is a result of that XXXXListed below are the Collections that are being challenged XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION XXXX OF THE FAIR CREDIT REPORTING ACT. PER XXXX IN BRIEF, SECTION XXXX PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Mortgage

SLS has demanded that we pay flood insurance on our property. FEMA will not even allow us to purchase our own flood insurance because they state we are not in a flood zone. In the meantime SLS continues to charge a ridiculous rate of $ XXXX/year for forced flood insurance on our property. 
To make matters worse, we entered a modification agreement with them and was told to make our modified payment as a trial period. At the end of the trial period they sent us modification documents that included a balloon which was not the original agreement for a 30 year fixed. We now can not refinance because they state that we are 5 months late on our payments due to incomplete payments during our " trial '' period. We were never warned this would make our account delinquent when we entered this agreement.
Product: Debt collection

I don't recall having a contractual relationship with this collection company MIDLAND CREDIT MANAGEMENT. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Product: Checking or savings account

My bank card was compromised and money stolen on XX/XX/2023. I've filed a police report and been assigned a permanent police report number. I've given this documentation to Credit Karma. I've tried to no avail to get a new bank card. The issue is my address. They wont update the address. They wont answer my question on when I will get my refunded stolen funds other than it can take up to 3 months. This is not reasonable in any way. This is my primary account and the only money I have is within this account for which I have no access other than a virtual card. Im not asking for anything unreasonable. I need to have access to my funds and I dont. They are not offering reasonable assistance.
Product: Credit reporting or other personal consumer reports

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  This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely omitted : 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
Product: Credit reporting or other personal consumer reports

I am submitting my XXXX complaint today to reiterate my last complaint dated XX/XX/XXXX. Anticipating another monthly update for my credit reports through Privacy Guard within 15 days, I sincerely request the Credit Bureaus to remove these fraudulent items from my credit reports. I have re-attached the new FTC Report XXXX and the identity verification documents. The following items need removal, listed per bureau : -- -- -- -- -- -- -- -- -- EXPERIAN : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} -- -- -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXX Balance : {$0.00} -- -- -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$37000.00} XXXX XXXX XX/XX/XXXX. Let me reiterate that FCRA Section 605B ( a ) mandates that Credit Reporting Agencies remove any items in the file of a consumer identified as information resulting from an alleged identity theft not later than 4 business days after the date of receipt. Additionally, FCRA Section 605b stipulates that Credit Reporting Agencies are required to remove any items listed on an identity theft report.
Product: Vehicle loan or lease

I bought a XXXX XXXX XXXX in XXXX and I finish paying for it in XXXX XXXX I did not get a Title from XXXX XXXX . The suv was financed by the XXXX XXXX XXXX The XXXX was bought to use in my business : XXXX XXXX XXXX XXXX as XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, SC XXXX. 
I paid XXXX for a copy of the title in XX/XX/XXXX, and when I did not get it I went to the XXXX XXXX XXXX XXXX and was told that there was leinhold on the Title. XX/XX/XXXX I call XXXX XXXX and was told that I would get the title in 10 day. 
After more than 6 weeks passed I called them again. I a still waiting on the title and ai a unable to sell the XXXX XXXX. I am still paying Auto Insurance and State Tax. 
Please help e to get my title '. XXXX XXXX XXXX XXXX # XXXX my email XXXX telephone XXXX XXXX Thanks for your help XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report ''. I've already disputed these items with the bureaus, but they did not remove them, nor prove validation. 
XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX
Product: Debt collection

They keep going after me i tried disputing this debt and is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ohio FROM PORTFOLIO RECOVERY ASSOCIATES LLC IS NOT MY ACCOUNT I ASKED THEM TO DISPUITE IT A YEAR AGO THEY IGNORE ME I ASKED THEM TO SHOW ME MY SIGNATURE THEY DIDNT REPLY
Product: Money transfer, virtual currency, or money service

My account received a payment of XXXX USD on XX/XX/2021, and it is still unavailable. The account is closed and can not be linked to a bank and withdraw cash. Please " XXXX '' help me!
Product: Credit card

I tell them about that information is incorrect and tell them to remove and they did not remove my late payment they said verify but never provided me whit the proof
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Equifax on several different occasions and told them that the address that 's on my credit file does n't belong to me. Credit Bureau refuses to remove it. I have never lived at that address. I was told by their representative I had a mixed credit file and the address will be moved a year later it 's still on there. XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I came across inaccuracies in some of the information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), it is mandated that the three credit bureaus validate this account. Failure to validate this reported account within the legally stipulated timeframe without providing substantiating evidence is not permissible. My credit report contains the erroneous details that require thorough investigation and rectification : XXXX XXXX Balance Owed : {$96.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 a section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

LexisNexis is reporting negative items in their system on my credit report. They are a XXXX company. I havent given them any consent to report any negative items on my report according to law XXXX it is illegal to report any negative items on any credit report, it is identity theft to steal someone identity to a XXXX company without my consent