23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have an account from Jefferson Capital Services that was opened on XXXX I never opened an account with them. This is a violation see the consumer law 15 USC 1681b.

This is not my debt I would like to see Proof of debt assignment, copy of payment from creditor, a copy of original contract, and factual dispute to credit bureau. If can't provide documents delete account
Product: Money transfer, virtual currency, or money service

I cant access my Paypal account ( XXXX ). which I use for my online business. Im teaching software programming thru online, do online researching and language tutorial. My Paypal account has a stuck fund that I used to finance my daily need paying my bills and I used for emergency. I hope to get my paypal account back and withdraw funds in my account that I labored to earned. 

I had my ID attached for verification. Thank you very much in advance.
Product: Money transfers

My PayPal balance of {$5400.00} has been withheld by PayPal. I already submitted XXXX complaint about this issue, and yesterday, PayPal filed a reply, promising : " On XXXX XXXX, 2015, PayPal made your full Account balance of {$5400.00} available for withdrawal. '' However this is not true. I have tried many times today to withdraw my balance as promised and the account is still blocked. I can not initiate any withdrawal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Product: Credit reporting or other personal consumer reports

Unfortunately I had a charge off for a car that was bought in XXXX, the first delinquency happened in XXXX. This account is still impacting my credit even though its been seven years. Ive been numerous disputes to have the information removed, however it continues to remain on my Equifax credit report. The company submits incorrect information like date of first delinquency and doesnt report all of the information so it doesnt appear that its been negatively impacting my credit for as long as it has. Currently they have the first delinquency reporting for XXXX of XXXX so now its till on my bureau. Very unfortunate and unethical business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filing another complaint : Company : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX. 

XXXX XXXX was my mortgage lender. they violated the CARES Act : My mortgage account was in forbearance as a result of covid-19. The cares act states that mortgage forbearance as a result of covid 19 CAN NOT be NEGATIVELY reported to the credit bureaus by lenders. I have reported and my credit report is still reflecting missed payments. payments were not missed. i need loancare to write a letter to the 3 credit bureas stating to change missed payments to green on time payments. their reporting has negatively impacted me so that i can not get approved for another mortgage. 

My Loan is paid off and they still will not answer the phone, will not contact me, and refuse to fix the negative missed payments showing as red x 's for 10 months in a row on my report. I am being penalized for financial hardships during XXXX since i have paid my loan in full.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I had a credit card that was charged off with USAA. Since the charge off, I was informed that this credit card was included in bankruptcy and I could not pay it off. However, my bankruptcy was discharged almost a year prior to the charge off, and should not have been included in this action. After multiple attempts to pay off this charged off amount, in XX/XX/XXXX, USAA finally rectified the status of the account on their end, changing the status of the card from " bankruptcy '' to " charge off ''. However, during this time, USAA negatively reported to the credit bureaus that my account was consistently late and charged off, not included in bankruptcy which was the status they had in their system, preventing me to pay it off. I have finally paid off this card, and attempted to submit a complaint with USAA asking them to remove the negative reports as this error was due to no fault of my own. For almost 4 years, USAA reported my credit card account as " charged off '' for the amount of {$570.00}, however would not allow me to pay it off over the several attempts that I have made with them. I am complaining that due to USAA 's error on their end, prevented me to rectify this situation and pay the amount owed. Because of this, and since I have paid it off in full, I would like this account removed from all bureaus of the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit card through XXXX XXXX. Work/Finances affected by covid19 in XXXX, called company and was assured late payments would not affect credit during the crisis, as work was sporadic, paying when I could. I was told this was covered under their covid19 forgiveness plan, and anything during those months in 2020 would not be reported as late to credit agencies. It was reported to credit agencies regardless, I disputed, mentioning the covid19 forgiveness commentary, which is still on their website as an option even now. Instantly determined nothing was wrong.
Product: Mortgage

I have been issues foreclosure papers from the company. 

This is the same company ( XXXX XXXX aka Loan care ) that I have already filed a complaint ( see prior complaint ). 

Their response was that they are not the company...... I am getting very XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I noticed some unauthorized inquiries on my TransUnion consumer report. On 03/01/2022 I informed TransUnion of the unauthorized use ( 15 USC 1602p ) on my report. I required TransUnion to provide me with actual proof of a wet signature and credit card ( 15 USC 1602l ) with it applying for credit from those companies that TransUnion are willingly and knowingly reporting false information on my consumer report. I required TransUnion to delete these items from my consumer report immediately. They are harmful and detrimental to my personal living mode as well as to my family. To date, TransUnion has yet to respond to the letter sent through the mail. I demand TransUnion to delete the unauthorized, unverifiable and unconfirmed inquiries on my consumer report. Refusing to delete these unauthorized inquiries without proof of authorized use will be a liability of willful noncompliance. Pursuant to section 616 ( a ) ( 1 ) ( A ( B ) of the Fair Credit Reporting Act. I demand that TransUnion delete these inquiries from my consumer report or I shall seek monetary relief due to the harm and stress as a result of this false information TransUnion is reporting on my consumer report. XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX. I require you to delete these unauthorized inquiries and update my consumer report, and send me an updated report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that Bank of America correct my credit file to something other than a payment status of 120 PAST DUE. Evidently they feel that because the loan was transferred while past due, that it should be designated as past due forever by them even though the loan was brought current with the new loan. The loan was transferred in XX/XX/2015, yet they refuse remove a status that shows a current derogatory on my files with XXXX  and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, and XX/XX/XXXX, I received an email and letter from the Department of Education. In regards to, Student Loan Discharge Based on Borrower Defense Evidence. The notice from the Department of Education stated, " Your loan ( s ) will be discharged as part of a Department action ( " Group Discharge '' ) to discharge all outstanding loans for attendance at XXXX XXXX XXXX that first began from XX/XX/XXXX through closure in XX/XX/XXXX after finding that it engaged in widespread misconduct that violated state consumer protection laws and/or made widespread substantial misrepresentations about its educational programs, both of which are grounds for borrower defense to repayment under the borrower defense regulations ( 34 C.F.R. 685.206 and/or 685.222 ). The Department is discharging your loans without requiring you to file an application because of the pervasive and widespread nature of the school 's conduct.

You also may receive a refund for prior payments made to the Department on your discharged loan ( s ) related to XXXX XXXX XXXX. Your servicer will let you know if you are eligible for a payment refund, which would be mailed to you. Please check your online account with your loan servicer to ensure your address is correct so you can receive any refund. Otherwise, you do not have to take any further action to receive your discharge. Your credit report will also be updated to reflect this discharge when it is complete. '' I have previously disputed with all credit bureaus and the issue has failed to be resolved. 
I contacted the loan servicer XXXX after receiving written notice and was advised it will be removed in 90 days. This was not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I flew into XXXX XXXX XXXX and my luggage was stolen. Inside the luggage were my drivers license, birth certificate, social security card, and debit cards. Over the course of a few months I began to notice that my information was used to obtain medical treatment, credit, banking accounts, and public service utilities. I contacted Transunion, XXXX and XXXX respectively to make them aware that there was debt incurred fraudulently and that it was reporting negatively to my consumer report. I disputed those items and placed fraud alerts on my consumer report over the years but Transunion, XXXX and XXXX continue reporting each fraudulent account despite my numerous disputes over the last 7 years almost. A police report has been filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification in XX/XX/2020 that I had a late payment reported on my credit. US Bank holds my mortgage and I set up my account for autopay months before that. They had an internal error and did not pull my mortgage payment in XXXX  and failed to notify me of the mistake. They reported a late payment on my credit even though it was their fault. I called them and two customer service agents told me that it would be removed. It's still being reported on my credit file and they haven't taken it off yet. It is killing my score and needs to be removed.
Product: Mortgage

I HAVE BEEN DEALING WITH THIS SITUATION FOR THE LAST 5 YEARS. AS PER YOUR RECORDS, IT CLEARLY SHOWS THAT I'VE FILED SEVERAL COMPLAINTS IN THE PAST TO NO AVAIL. I ENTERED INTO A LOAN MODIFICATION IN XXXX WITH XXXX XXXX XXXX. I MADE SEVERAL PAYMENTS ON THE MODIFICATION, I WAS TOLD BY THE REPRESENTATIVE THAT MY REGULAR PAYMENT OF {$780.00} WILL BEGIN XX/XX/XXXX, DO NOT MAKE THE FIRST PAYMENT UNTIL I HAVE RECEIVED MY SIGNED EXECUTED MODIFICATION DOCUMENTS. SEVERAL MONTHS WENT BY, EACH TIME THAT I WOULD CONTACT XXXX I RECEIVED ONE EXCUSE AFTER THE OTHER AS TO WHY I HAVE NOT RECEIVED THE EXECUTED DOCUMENTS. NUMEROUS OF PHONE CALLS WERE MADE TO CHASE AND THEY LEAD ME TO BELIEVE THAT THEY WERE HAVING DIFFICULTY WITH THE DOCUMENTS BUT I WILL RECEIVE THEM SOON. XXXX OF XXXX, I WAS SERVED WITH FORECLOSURE PAPERS. I CALLED XXXX TO FIND OUT WHAT WAS GOING ON, AND A WEEK LATER, I RECEIVED THE EXECUTED MODIFICATION DOCUMENTS. BY THEN, XXXX REFUSED TO HONOR MY MODIFICATION BY TELLING ME THAT IT HAD ALREADY BEEN MODIFIED. NOT TRUE!! I SENT SEVERAL LETTERS TO XXXX XXXX XXXX EXECUTIVE OFFICES, HOWEVER, NO HELP. THEN IN LATE XXXX AFTER COMPLAINING TO CHASE MANY TIMES, MY LOAN WAS TRANSFERRED TO SELECT PORTFOLIO SERVICING. I'VE BEEN ON A ROLLER COASTER RIDE WITH THEM AS WELL. THEY CONTINUE TO TELL ME TO APPLY FOR A MODIFICATION, BUT THEN I AM DENIED BECAUSE OF THE ERRONEOUS INFORMATION THAT XXXX CONTINUES TO REPORT. 

I NEED A RESOLUTION, NOW!!! MY HOME IS SCHEDULED FOR SALE AS OF XX/XX/XXXX. I WAS RECENTLY DENIED FOR A MODIFICATION AGAIN WITH SELECT PORTFOLIO SERVICING. THEY DID NOT COMPUTE MY FULL-TIME AND PART-TIME INCOME. WHEN I COMPLETED THE RMA, MY PART-TIME INCOME WAS MISSING. WHEN I SPOKE WITH THE REPRESENTATIVE IN XXXX, SHE VERIFIED MY INFORMATION BY PHONE, SHE STATED THAT SHE WOULD ADD NOTATIONS TO REFLECT THE INFORMATION REGARDING MY PART-TIME JOB, FULL-TIME JOB AND MY HOA DUES. 

ALL OF THIS INFORMATION WAS EMAILED TO THEM. I HAVE SINCE APPEALED THEIR DECISION. THEY ARE TRYING TO TELL ME THAT MY INCOME ISN'T SUFFICIENT FOR THE PROPOSED PAYMENT. WHAT IS THE PROPOSED PAYMENT, THAT WASN'T CONVEYED TO ME. NOT TO MENTION THE FACT THAT SEVERAL ARE SEVERAL OPEN LAWSUITS AGAINST XXXX FOR THE VERY SAME THING OF NOT PERMANENTLY MODIFYING MORTGAGES WHEN THEY HAVE AGREED TO DO SO. 

I AM ABOUT TO LOSE MY HOME TO NO FAULT OF MINE. I REACHED OUT TO BOTH LENDERS TO RECEIVE THE HELP THAT I AM ELIGIBLE FOR BUT CAN NOT RECEIVE THE ASSISTANCE. I NEED SOME ONE TO INTERVENE IN THIS MATTER BECAUSE IT IS NOT FAIR THAT I AM LOSING MY HOME BECAUSE THESE LENDERS DON'T WANT TO HELP. IT SIMPLY ISN'T FAIR. I NEED HELP.
Product: Credit card

I already submitted a complaint through the CFPB but something else happened afterward. A few days after my complaint was sent to BOA, I got a voicemail on XX/XX/24 from BOA saying I would be getting a {$3500.00} credit back to my Visa card. I saved this message and sent a copy back to BOA to prove what I keep telling them is true. The message said the credit would appear on my account by XX/XX/24 but it never did. BOA is the one who initially made the mistakes in denying my claim in the 1st place because they didn't notice the merchant and 3rd party were different people and they didn't notice my signature had been forged on the electronic receipt from the merchant. BOA has promised to credit my {$3500.00} back twice now so they should keep their word and give me my money back immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts needs to be remove immediately from my credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Erroneous Accounts and Request for Deletion To Whom It May Concern, I am writing to formally dispute the presence of the following accounts on my XXXX credit report, as they have been verified as inaccurate and subsequently removed from my XXXX credit report. The accounts in question are as follows : ( SEE THE ATTACHMENTS ) I have attached documentation from XXXX confirming the deletion of these accounts, as well as any supporting evidence demonstrating their inaccuracies. Despite this, these accounts remain on my XXXX credit report, which is unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

As you are undoubtedly aware, the FCRA requires credit reporting agencies to maintain accurate and up-to-date information. Retaining these accounts on my report after their proven inaccuracy undermines the integrity of your services and has caused undue harm to my creditworthiness. 

I demand that XXXX immediately investigate and remove these accounts from my credit file to ensure consistency and accuracy across all credit reporting agencies. Failure to act promptly will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and, if necessary, pursuing legal action to protect my rights. 

Please provide written confirmation of the deletion of these accounts within ( XXXX ) days of receipt of this letter, as mandated by federal law. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer credit report, I noticed that your agency has violated multiple regulations, entitling me to monetary compensation under FCRA 15 U.S. Code 1681s2 and 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Specifically, your agency furnished reports in connection with credit or insurance transactions that I did not initiate ( inquiries ).

According to the law, a consumer reporting agency may only provide a consumer report for credit or insurance transactions not initiated by the consumer if : ( A ) The consumer authorizes the agency to provide the report, or ( B ) ( i ) The transaction involves a firm offer of credit or insurance.

Furthermore, except as provided in section 1681g ( a ) ( 5 ), a consumer reporting agency can not furnish records of inquiries related to such transactions that the consumer did not initiate. 

Under FCRA 15 U.S. Code 1681n ( b ) ( B ), if a person obtains a consumer report under false pretenses or knowingly without a permissible purpose, they are liable for actual damages suffered by the consumer or {$1000.00}, whichever is greater. Additionally, punitive damages may be awarded by the court.

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

Delete this information immediately!
Product: Credit reporting or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement. 

As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report.
Product: Credit card or prepaid card

Attempted to use credit card to pump gas. Pump would not dispense. Pressed button to cancel transaction however the pump failed to cancel transaction. Subsequently a larger vehicle capable of holding {$100.00} of gas came into pump area and dispensed gas on the still-open transaction. 
My vehicles only have 13-gallon tanks and will not hold that much gas. I have disputed claim three times and BofA states " card was present so charge is valid ''. This is however a fraudulent charge.
Product: Vehicle loan or lease

Over the past 6 months I continue to get letters in the mail about activating my service plan or about extended warranty on a vehicle and I don't have a new vehicle or any vehicle that's works at all right now. So when I called 5months ago they said clerical error and they were sorry. I have now received a letter from Ford of XXXX and when I called they were talking to me about my service activation and I ask if they would confirm the full Vin and they did not have it on file. I ask if that was normal and I told them that I was the person but I did not purchase this vehicle at all and I do not have it. They refused to discuss any more info with me at that point and now I have nothing. The county clerk 's office did not have tag info to this partial Vin for me at all they said.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern - I had financial difficulties in XXXX and XXXX and had have a loan with World Finance. I had never been late in the 4 years of having an established credit loan with world finance. World Finance agreed to work with me and in XXXX I paid them a total of almost {$1000.00} to bring my account current and continue as a good consumer because they have always been a good company to me. The representative in that branch location informed me when I brought my account current that they would make sure that my credit report did not reflect a 30-day late payment in the month of XXXX or XXXX After bringing the account current I contacted the representative and she then informed me that she had no control over the credit and how it reflected but when I was paying my account current up-to-date she informed me she would make sure that my account did not reflect a 30- day late pay on my credit report because she knew how hard I had worked previously to build my credit as a XXXX  mother. I had never had a late pay or 30-day late pay on my credit. During the months of XXXX and XXXX my family had XXXX and lost a family member and we had burial expenses. I feel like World Finance lied to me and scammed me after my good faith of making sure that their account was paid and brought current and paid ahead of time all the way through XXXX XXXX 

Now every time I call the branch office XXXX continues to tell me that she has no way of contacting their credit department even after I have sent a Written Letter to the corporate offices of World Finance she tells me there is nothing that she can do and can not give me the phone number for the corporate offices to get to their credit department other than me sending a letter directly to their corporate offices and no one has responded to me and this has been an ongoing issue of no one can get in contact with anyone at corporate for credit disputes and there's no way for them to correct their systems and the credit report will reflect whatever it reflects. 

I was promised by that branch office by XXXX that my account would not reflect on my credit report as being delinquent 30 days and I have had a open credit line with them for nearly 4 years and never been 30 days late.