23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received calls from Midwest Recovery stating that there were two debts accounts they were collecting. 

Issue One : The representative asked if I was XXXX XXXX. I said yes. He then rattled off the last four of my SSN, my address and email address ( which I did n't think they could do as I should have had to provide to them ). The rep said the call was being recorded so they should have proof of that. 

Issue Two : I asked who the debtors are and they said XXXX XXXX and XXXX XXXX. I have never heard of these and said so. They said they were probably payday loans. I did have an outstanding debt from ONE payday loan which I paid. These debts are on my credit report. XXXX XXXX XXXX could not tell me the name of the payday loan services for either debt. The 'proof ' the sent me has the debtors name and an account number. How is debt that was paid once now be back Twice? Rep could not answer but offered a settlement.
Product: Checking or savings account

This relates to XXXX XXXX XXXX check # XXXX. On XX/XX/XXXX, someone stole the check ( issued on my name ) for my house fire damage reconstruction of {$140000.00} which was sent to my public adjustor 's address -- XXXX XXXX XXXXXXXX XXXX XXXX  XXXX NY XXXX XXXX and was missing from that address. When I was notified by my mortgage company that the check was deposited, I went to my local Capital One bank and found out that there was a fraudulent bank account opened that deposited this check. After that, when I asked Capital One to return the money, Capital One told me that the money could only be sent back to the check issuer, which is, XXXX XXXX XXXX Capital One also requested that XXXX send them a hold harmless letter to receive the money back, which XXXX sent them. After that, on XX/XX/XXXXXXXX I received a call from XXXX XXXX ( Capital One Bank, Ext No. XXXX ) who told me that the money was sent back to the XXXX account on XX/XX/XXXX. But until now, my mortgage company did not receive the money back. After that, I repeatedly called Capital One Bank, and talked to the local bank, but they did not give me any reasonable answer as to where the money is. 

I am asking that CFPB urge Capital One Bank to return the sum of money to XXXX XXXX XXXX so I can repair the house from fire damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Was making an on-line payment to account. Web page had changed from last month 's payment. Landing page was pay full amount and " YES '' was the default. Next screen had my payment information stored on file when permission was never given to keep PII information. When I clicked " next '' full payment was processed without a confirmation screen and depleted my entire savings account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. 
Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts 1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX AZ XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 4. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX 10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Also Known As : XXXX XXXX Former : XXXX XXXX Former : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Employers : XXXX MORTGAGE REA Employers : XXXX Collection/Charge Off : XXXX XXXX XX/XX/XXXX {$20000.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$4700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$9100.00} Late Payment : XXXX XX/XX/XXXX {$0.00} Inquiries : XXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX has assumed the debt from a loan that I was unable to make payments to as I had financial issues for several months in 2024 that will be resolved this week. I am working with the company to develop a payment plan. They contacted MY BROTHER this week. I have asked them to CEASE and DESIST from contacting any family members or employers.
Product: Credit reporting

After several certified letters stating the information regarding the trade line was wrong I only received print outs that the information was correct. I received the exact same response after XXXX more requests for complete investigation. They did not send any information regarding the history or origination. This is not my account.
Product: Credit reporting or other personal consumer reports

GS BANK USA - XXXX I do not know this account This account was open fraudulently
Product: Mortgage

*Failure to Respond Promptly to Forbearance Requests ( XX/XX/XXXX ) : NewRez did not respond promptly to forbearance requests initiated in XX/XX/XXXX, potentially violating the requirement for servicers to acknowledge and respond to borrower requests for assistance promptly. 

*Negative Reporting During Forbearance Periods : Account reporting as 30 days past due in XX/XX/XXXX, 60 days past due in XX/XX/XXXX, 30 days past due in XX/XX/XXXX, 30 days past due in XX/XX/XXXX, 60 days past due in XX/XX/XXXX, and 90 days past due in XX/XX/XXXX may be a violation. The CFPB guidelines emphasize that during an active forbearance, servicers should not report the account as delinquent. 

*Failure to Allow Payments, Unwarranted Negative Reporting, and Lack of Communication on Payment Resumption ( XX/XX/XXXX - XX/XX/XXXX ) : NewRez did not allow payments and reported the account as 30 days past due in XX/XX/XXXX, 30 days past due inXX/XX/XXXX, 60 days past due in XX/XX/XXXX, and 90 days past due in XX/XX/XXXX. This potential violation is compounded by the absence of clear communication on how to resume payments after forbearance, leaving borrowers without proper guidance. Servicer did contact the borrower no later than 30 days before the end of the forbearance period, with clear guidance on how to resume payments, and options for additional COVID assistance. Servicer did not exercise reasonable diligence to complete the application before the end of the forbearance program period. 

*Unavailability of Online Payments and Lack of Communication on Payment Process ( Throughout the Timeline ) : NewRez knowingly and willfully did not allow online payments, as per their policy, potentially creating an undue burden on borrowers attempting to make timely payments. The absence of clear communication or guidance on resuming payments, especially after expressing interest in modification, further compounds the potential violation. Servicer did contact the borrower no later than 30 days before the end of the forbearance period, with clear guidance on how to resume payments, and options for additional COVID assistance. Servicer did not exercise reasonable diligence to complete the application before the end of the forbearance program period *Failure to Communicate Modification Process and Continued Reporting of Account as Past Due ( Throughout the Timeline ) : Even after expressing interest in modification, being in communication with the company, and providing documentation in compliance with their modification process, NewRez did not communicate a process for making payments. This lack of guidance, coupled with the refusal to allow online payments ( as per their policy ), potentially violates CFPB guidelines. Additionally, the continued reporting of the account as past due during the modification process further raises concerns about compliance. 

These potential violations collectively indicate a pattern of non-compliance with the CFPB 's COVID mortgage servicing rules, particularly in relation to clear communication, online payment accessibility, and adherence to modification processes.
Product: Mortgage

My loan was transferred on XX/XX/2023 from XXXX XXXX to XXXX XXXX  XXXX. XXXX XXXX XXXX received a transfer of the escrow funds sent by my insurance company ( XXXX ) of approx XXXX to complete repairs to my property. 
XXXX insurance claims. 
XXXX. ) XXXX XXXX. ) XXXX They never released the funds to me to pay the contractors. 
For months I have called them continuously as well as the contractor and provided what they asked for. My roofer contacted them on several ocassions as well about the {$2900.00} to initiate the replacement of the roof which has become a health hazard for us due to mold. 
Multiple times ( 6 on my side ) they assured me and ( the roofer that they were releasing the funds and sending me a check but never did. Everytime I called they had no recollection of the previous call. Or had a different excuse. 
On XX/XX/XXXX I spoke to the escalation department and the lady told me that they were sending XXXX of the XXXX check to me ( after a 30min agitated conversation ) Again, the check was still withheld. Never sent as promised. The roof has been leaking even though hurricanes since XXXX. 

I called back again, XX/XX/XXXX. Apparently they changed their name to XXXX XXXX instead of XXXX XXXX XXXX and now one department tells me they have my loan but the department of loss mitigation that has the escrow disbursement tells me that they dont have my loan or the funds and it was sent back to my original lender, which was XXXX XXXX XXXX 
I called XXXX XXXX. They do not have my loan. So again I am being lied to by XXXX XXXX and they are refusing to now acknowledge they have and further release the funds. This is the embodiment of unfair acts, deceptive practices, as well as organizational deceptive teaching. 
Please help.
Product: Money transfers

My complaint is against Paypal Credit. I used it as a payment method on a site called XXXX - the site turned out to use paypal as a method to scam people into buying their virtual products ( Video game in game items ). When the product is not delivered and the customer checks to see what happened - the company insists to get a refund you must send them more money by via XXXX. It was clearly a scam - XXXX searches will show evidence of a long history of conducting this same scam and paypal turns a blind eye. I submitted a case and shared compelling and detailed evidence and even implored paypal to pose as a customer and see what the vendor does for themselves. I was supposed to receive a resolution within 3 weeks. 2 Months passed and I had to call them to see what had happened to the case as I wanted this fraudulent vendor blacklisted, more so than wanting my money back as kids would use this site to purchase game items and lose their hard earned money which is much more significant to them than it is to me right now. Paypal ruled in the favor of the vendor based upon the vendor being able to provide them with an Internet IP address which matches an IP address I 've used to log into paypal with. That was all they needed to rule in the vendors favor. To purchase items from that vendor you need to provide your username and password to the video game in order for the items to be delivered. When you log in with the username and password it shows all of the locations the game has been logged in from. This was no evidence of product delivery and it seems to have been well thought out and planned by the XXXX game item scamming company. They seem to know what paypal will look for so they can continue their fraud. 
Some links to the vendor 's misconduct : XXXX XXXX XXXX ( Read the video comments ) XXXX XXXX XXXX XXXX XXXX-XXXX You can also XXXX search XXXX fraud or scam and you 'll find many many results. you could also try to use the service and see that you 'll end up in the same situation as the rest of us.
Product: Debt collection

After reviewing information on my credit report, I noticed that there were two accounts held by a RSH & Associates LLC. I was and currently am unaware of what these accounts are or who they are for. I disputed the accounts with all three bureaus and within three business days the bureaus said that information had been sent to them by RSH verifying that the accounts were correct, mine, and needed to be paid. I requested that the information that was sent to verify these accounts be forwarded to me, but never received anything. On XX/XX/2019 I sent certified letters to RSH directly requesting verification of these debts. Seeing as how they had sent information back to the credit bureaus within three days, I don't think it would take long or be a problem. The letters were received and signed for on XX/XX/2019. As of today, XX/XX/XXXX, I have yet to receive ANY correspondence from RSH. I reached out to a customer service representative and was told, very rudely, that it is not their responsibility to provide debt verification. It is obvious that they don't have any true information on this account or it would have been provided seeing as how they are wanting to get paid.
Product: Credit card or prepaid card

I HAVE CONTACTED BANK OF AMERICA SEVERAL TIMES ABOUT THESE FRAUD CHARGES ON MY ACCOUNT BACK WHEN I SAW THEM ON MY STATEMENTS AND THEY DID NOTHING FOR ME.. I HAVE BEEN RECENTLY CONTACTING BANK OF AMERICA FRAUD DEPT AND SPOKE TO SEVERAL REPS AND THEY ARE NOW TELLING ME I CANT REPORT FRAUD BECAUSE THEY ARE TOO OLD BUT I REPORTED THE CHARGES WHEN THEY FIRST WERE PUT ON MY CARD AND THEY DID NOTHING.. SO NOW I AM FILING AGAINST BANK OF AMERICA ... I WILL LIST THE CHARGES FOR YOU TO SEE.. 
XX/XX/XXXX XXXX XXXX XXXX- XXXX XX/XX/XXXX XXXX XXXX XXXX- XXXX XX/XX/XXXX XXXX XXXX- XXXX XX/XX/XXXX XXXX XXXX XXXX-XXXX XX/XX/XXXX XXXX XXXX-XXXX THE CHARGES WERE PUT ON A OLD CARD ENDING IN XXXX MY NEW CARD # XXXX PLEASE HELP ME GET MY MONEY BACK. BANK OF AMERICA SHOULD BACK ME AS A CLIENT AND THEY DID NOT.. THIS IS SENIOR CITIZEN ABUSE .. I NEVER DID BUSINESS WITH ANY OF THESE COMPANIES AT ALL, I NEVER AUTHORIZED THESE TRANSACTIONS AT ALL.. PLEASE HELP ME
Product: Debt collection

i notice on my credit report on XX/XX/2021 that PARAGON REVENUE GROUP had some negative items reporting that i dont owe or have no business with. they are reporting 9 alleged debts of : {>= $1,000,000}, and XXXX. I don't know where these debts come from and they are ruining my credit and keeping me from getting thing plus causing me XXXX and XXXX  from not getting anything with my credit.
Product: Checking or savings account

Credit Karma has frozen my account with my federal income tax refund of {$770.00} i have called them numerous times and provided all documents requested. I need your help in solving this matter. Please contact me if you need any more information. Sincerely, XXXX XXXX Phone Number XXXX and my E-Mail is XXXX XXXX
Product: Credit card or prepaid card

Upgrade an subsidiary of XXXXXXXX XXXX XXXX XXXX limited my account to evertime I make a payment they reduce my credit limit to that amount so my credit file will show I'm always at my limit. They are trying to mess my credit report up. I sent them emails telling them about themselves and to close my account and lower my interest rate that they increased for no reason. So my account will show decreases without staying at my limit. They refused and still has it open. XXXX FCRA, I warned them plus I'm a 100 % XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to request to dispute information on my credit report that is not accurate. The information in question only appears on Equifax Credit Bureaus report as Late. However, the same account is not reporting as Late on my other credit reports. As per the Fair Credit Reporting Act ( FCRA ), all reported account information must be accurate, and I expect your bureau to comply with this requirement. The mistake in reporting Late payments is negatively impacting my credit score and is misleading to anyone who reviews my credit report. Therefore, I request that you update this account immediately and remove any reference to Late payments. It is clear that this account should have never been mistakenly reported had your record keeping been accurate and up-to-date. I need the following accounts reporting inaccurate information corrected and udpated as soon as possible : XXXX XXXX XXXX XXXX XXXX  Opened XXXXXXXX XXXX XXXX Balance {$23000.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX  Balance {$530.00}. I have attached documentation that supports my dispute and request that you thoroughly investigate this matter. Please inform me of the results of your investigation as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card and my credit report was pulled twice by Capital one bank. in two different days.
Product: Debt collection

Earlier this year, Portfolio Recovery sued me for {$960.00} in regards to a previous XXXX XXXX credit card. They won ( case ( XXXX ) and my paychecks were garnished as of XXXX of 2021. The entire amount was paid in full on XX/XX/2021. They have yet to report the XXXX balance to my credit report, and when I dispute the amount they are claiming that it is unpaid. I have paystubs that show it was paid in its entirety as well as the court order.
Product: Debt collection

On XX/XX/2022 i caused to be sent to Amsher Collection Services , Inc debt verification letter with very specfic and detailed information to be sent to me. On or around the week of XX/XX/2022 i received a response form the Debt collector with only invoices of the alleged debt that i do not owe. After reviewing my affairs i have found out that i have never done business with Amsher or their client XXXX Additionally, i may have been a victim of identy theft. Please invesitgate this matter further.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm in the process of buying a home. As I was at the bank the lender told me that the first step was to pull my credit to see what type of loan I was eligible for. The lender reviewed the report with me and he found one derogatory item and several inquiries that do not belong to me. There is a child support on my credit and it shows that the account is closed and paid for, but it is mine. Please remove this fraudulent closed account from my report and inquiries that I have never made.
Product: Debt collection

A company I own XXXX XXXX, has a dispute with a credit card processing company " XXXX  '' I understand this is a business dispute and a business matter between XXXX XXXX and XXXX that needs to be resolve. However a collection agency Caine & Weiner has turned the business dispute into a personal matter. 

Caine & Weiner knowing it is a business dispute, as they affirm in their collection notice attached, has placed a collection account into my personal credit file. 

I contacted Caine & Weiner via telephone, they just ignore me.
Product: Debt collection

On XX/XX/2020, I received two letters from XXXX  XXXX XXXX ( XXXX ) XXXX dated XX/XX/2020. One letter was addressed to me and stated they are trying to collect {$610.00} on behalf of Paypal.com. The other letter is addressed to my wife, trying to collect {$940.00} on behalf of Paypal.com ( see attached documentation ). After contacting Paypal, I was told that neither of these charges came from their office and the account number associated with XXXX 's claim does not exists. Additionally, XXXX has used both our middle names, which is not listed in any account information with Paypal.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern Im writing this because there has been an in accurate report on my credit my name is XXXX XXXX XXXX not anything else and this person they have listed is not me and this is becoming a real issue. When I called LOCKHART MORRIS & MO to inquire about this and have it removed they said to me thats the way the cookie crumbles sometimes. Ive been trying to get this corrected and removed with no response after the first one and this is unfair medically negligent in correct and needs to be removed. Ive never even been to this place in my life this is wrong and should be illegal please remove this.
Product: Credit reporting or other personal consumer reports

Could you please eliminate these inquiries? I am unaware of this issue, and the company proceeded without my approval.