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

My account on Experian is locked. When I tried to reset the password after putting in my social security number and phone number the email that appeared to which it would be sent for verification was not my email address. Someone has hijacked my account with their email address. I can not reach a human being to speak with and don't know where to send my inquiry. The Experian phone tree is useless, although I think I was able to freeze my credit by phone. I am waiting for a confirmation email, but perhaps the fraudulent one will receive it. 

These are known problems with this company.
Product: Debt collection

XXXX XXXX XXXX mobile lines were opened fraudulent and now a collection agency tried to collect I filled out fraud packet notarized they said because address matched responsible sent it back to XXXX  now XXXX  sent to another collection agency erc threatening reporting to credit report and collect I already explained fraud they have not complete investigation properly id match signiture match facial recognition nothing
Product: Checking or savings account

for the past XXXX XXXX years I have had wells fargo bank and I have the money in there and I have no over draft turn fee on, its turn off. and they always hit me with {$35.00} a lot over the past XXXX to 11 years so how is that right when the money there. then they change it like XXXX time I had to pay over {$150.00} in overdraft its crazy how they get away with it when I have the money in there.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc 1681 ( i ) proedure in case of disputed accuracy.

this company has volited this law how did they validate any of the information when im only one who can and iwas not notifed. 

XXXX XXXX acct # XXXX
Product: Credit reporting or other personal consumer reports

I see items on my credit report that I dont recognize, suggesting my identity may have been stolen since I didnt authorize these accounts. Ive addressed this before, and Im urgently requesting their removal from my report, as theyre causing me significant stress. These accounts dont reflect my true credit history or financial behavior, making this situation difficult to manage. If we cant resolve this, Im prepared to pursue legal action to protect my rights. These inaccuracies are severely hindering my ability to achieve important financial goals, like buying a house and supporting my family. I hope we can address this issue promptly.
Product: Credit card

I am not the one who opened up this account, I am dealing with identity theft I never lived at the address on file, the phone number is not my phone number
Product: Checking or savings account

Company name : PayPal.Inc I have been using PayPal to receive payments for my business and also paid some of my staffs using some platforms On XXXX XX/XX/2022 I wanted to convert my personal PayPal account type to business type to start my new XXXX XXXX  and I stopped in middle of it. 

the next day I woke up and got charged some cents from one of my clients that I know and I designed for, I noticed in my emails that PayPal limited my account permanently with XXXX XXXX I earned in 3 months. ( in XXXX XX/XX/2022 ) I thought the reason was that I didn't complete converting my account to business type, so I completed it as fast as I can, but nothing happened. 

I immediately contacted the office in several ways, and they never told me the reason, they kept repeating that I violated the user agreement, while all what I was doing is selling my XXXX XXXX on XXXX, XXXX, and XXXX, and paying some of my staffs on up work, etc only. 

It's been 3 days, and yet they don't want to tell me what happened or give me my money back at least.. Only repeating thr same message over and over.
Product: Credit card

I have disputed a charge with capital one credit card about a charge on my credit card for an item that I returned back to XXXX but capital one responded to my dispute that XXXX has given me the refund or credit but that is WRONG XXXX XXXX me for a DIFFERENT ORDER and it is the same amount but it is for a different order and that refund was given to me before my dispute and it is for a different order from XXXX and so XXXX XXXX owes me XXXX dollars for the retro charge that they charged me and the case number with capital one credit card is XXXX. Capital one made a mistake by assuming that a refund from XXXX was given to me for this dispute but that refund was for another order and I still need XXXX to refund me for this item returned back to them and capital one card needs to rule in my favor for this dispute because i returned the item to XXXX and XXXX retro charged me for this item and did not refund me the money
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX andTransunion report this account as 60 Open/Late - XX/XX/XXXX and XX/XX/XXXX which doesn't make any sense..How can an account be 60 days late in just on month? Please remove the late payments reported on the accounts. I wasn't late on the month which credit bureaus report..How can an account be a charge off with balance? This is ridiculous.. Please fix the accounts and update it the correct status on
Product: Debt collection

I was made aware of a collection on my report when I was applying for a loan. The collection Enhanced Recovery is reporting I quickly went ahead to request a validation from them and they sent me copies of the statements ( which I attached ). Statements don't show me how they came to the amount on the collection. This also in no way shows that this debt is valid and is even mine.
Product: Debt collection

Company filed for judgement and the garnished my bank account without notifiying me of the orignal debt, court procedings or intenet to garnish my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies shown in my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Product: Vehicle loan or lease

Wellsfargo charged off this account with no previous delinquency in XXXX of XXXX. This loan was taken out by a primary borrower who to this date is an active service member of the military. The team at wellsfargo have been contacted a considerable amount of times requesting the XXXX form, validation, verification of agreement, and action and no such documents have been produced- it is now XXXX of XXXX and the company has written this off, failed to due their duty for the active service member, and continue to report false information while negatively affecting someone who is a protected class.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore and such debt, in fact therefore exists.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My loan transferred to ShellPoint Mortgage XX/XX/XXXX. In XXXX of XXXX I requested them to tell me the PMI auto termination date both verbally and in writing. Over two months have gone by and after eight phone calls, they continue to refuse to provide this date. They say I was 30 days late in XX/XX/XXXX and say they can't remove the PMI and avoid telling me the auto term date. I told them several times that per the Homeowners Protection Act of 1999 they must provide me the PMI disclosure form furnishing the date but they act like no such thing exists. My loan originated in XX/XX/XXXX and either the auto term date has already passed or is coming up soon. I purchased my home for {$380000.00} and did a down payment of {$38000.00}. My loan is for {$340000.00} and the current principal balance is {$280000.00}. It is also my understanding the PMI should be cancelled the following month my loan was brought current based on auto termination guidelines.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and regulation E. These actions has caused significant inconveniences and financial loss and i seek appropriate redress for these violations!
Product: Credit reporting or other personal consumer reports

To my complete surprise, I discovered some incorrect accounts on my credit report this evening, and I cant figure out why. When I checked my report as I normally do, there were discrepancies that seemed to appear out of thin air. I refreshed my browser, hoping it was just an error, but nothing changed. Given this issue, Im requesting a careful review of my documents so I can finally put my mind at ease.
Product: Checking or savings account

Wells Fargo I have two issues with my Business accounts for XX/XX/XXXX : - i ) They refuse to allow me online access to my statements as well as get paper statements for my business. They do it just fine for my personal accounts ( other Banks have no problem with this for business or personal ) but having spent hours on the phone, countless escalations they have failed to resolve my issue. 

ii ) They won't give me my full account number for my CD account. Would think we are legally entitled to this? Online it only shows last 4 digits, an online banking rep agreed to send statement with full account but again only last four digits shown. New banker tells me I have to go into branch with ID if I want it. I've told them if I have to go in it will be to close ALL of my business accounts and move elsewhere. Have wasted about 2-3 hours on the phone for this one too. Its as if they intentionally make it difficult so you can't close/transfer the account. Last time escalation went to corporate but phone was " disconnected ''
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Request for Deletion of Unverifiable Account XXXX XXXX XXXX Charge-Off Dear TransUnion, XXXX, and XXXX I am writing to formally request the removal of a {$17000.00} XXXX XXXX XXXX charge-off account from my credit report. This account was recently investigated and successfully disputed on my XXXX secondary credit report. Following their investigation, XXXX completed the process on XX/XX/XXXX, and the account was fully deleted from their records.

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy, fairness, and full verification of all information on a consumers credit report. Since this account has been deleted from XXXX, this clearly indicates that the debt was deemed unverifiable. As such, you are also required to remove this account from my credit report to maintain compliance with consumer protection laws.

Per the FCRA Section 611 ( 15 U.S. Code 1681i ), any information that can not be verified must be promptly deleted. Additionally, failure to remove unverifiable information within the required 30-day timeframe may constitute a willful violation of federal law, subjecting your organization to legal action under 15 U.S. Code 1681n and 15 U.S. Code 1681o.

I request that you : 1. Verify the accuracy of the XXXX XXXX XXXX account on my credit report. 
2. Remove this account if it can not be fully verified within 30 days or less of this letter.

3. Provide me with a written confirmation of the deletion.

Please note that I will not hesitate to pursue my rights under federal law should this unverifiable account remain on my credit report beyond the allotted timeframe. This includes filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and taking legal action to seek damages for any continued violations of the FCRA.

For your convenience, I have attached supporting documentation, including the notice of deletion from XXXX, to assist you in your investigation.

Thank you for your prompt attention to this matter. I look forward to your response within the legally required timeframe.

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

My student loans have been in forbearance prior to the pandemic, however XXXX  XXXX XXXX has been reporting that I have been 120 days late from the period of XX/XX/XXXX thru XX/XX/XXXX. I also went through a similar experience while I was unemployed with them also reporting that I was 120 days late in XX/XX/XXXX.
Product: Debt collection

I sent a letter certified mail to Santander main office Santander Consumer USA Inc. XXXX. XXXX XXXX XXXX XXXX, TX XXXX a little over a month ago requesting them to Please furnish me with direct proof that this repossession was done in a legal and proper manner, including notification of deficiency, Repossession Company used, redemption notice, and proof that they allowed me to access my personal property and plates off of the vehicle. Per the documentation required under Texas Motor Vehicle Finance and UCC statutes. The car was cleaned out and my belongings was placed in black trash bags  before I could have access in the car I had items missing & I never received my license plate. I haven't heard anything back from anyone I listed my cell number and also my mailing address. Instead someone remove the balance that was owed to XXXX  in the letter I requested that they take the necessary steps to ensure any critical information on my credit is deleted and purged from my credit reports.
Product: Mortgage

Bank of America Home Loan became owner of my XXXX XXXX XXXX XXXX loan when XXXX XXXXXXXX was in trouble. Loan type : 30 year Conv Adj Rate, 27 years 5 months/Interest rate 6.125 % ; first time home buyer XX/XX/XXXX. 
XX/XX/XXXX I was able to refinance at a 24 year and 11 month adjustable, interest rate 3.375 %. 
In XXXX I applied with B of A Home Loans endlessly for both a mortgage reduction, when refused I tried refinancing my existing loan to a fix rate interest. Spent hours submitting documents ( which were lost more than once ) speaking with representatives, email, standard mail, B of A Home Loan Portal correspondence. After months I finally gave up trying. 
My current adjustable interest increased in XXXX and XXXX. 
My payments have increased from $ XXXX in XXXX, to $ XXXX in XXXX, to my current payment of $ XXXX. 
Clearly an adjustable interest means my payments have increased and will continue to do so. 
Had B of A Home Loan wanted to help me when I first approached them, I wouldn't be in this situation. 
My honest feeling is that B of A wants me to foreclose on my property to reap the financial benefits. Their representation has been less than stellar. XXXX XXXX is the last representative I tried to work with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/2023 and it was closed immediately with a reason ( The CFPB closed this complaint because it has already processed your earlier complaints about this problem. ) and it was marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding these fraudulent items to REMOVE them from my credit report immediately. These accounts are NOT MINE.
Product: Debt collection

This week I received a notice from Law Offices of Patenaude & Felix, A.P.C. in an attempt to collect a debt that was settled in a short sale of a property in XX/XX/XXXX. This is the second such collection attempt from another deb collection firm, clearly the debt was resold to another firm. The XXXX firm, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX attempted to collect the debt in XX/XX/XXXX. I retained a local attorney ( XXXX XXXX XXXX ) to contact the debt collection firm and force them to cease their attempts. My attorney cited the fact that their attempts appeared to violate the Fair Debt Collection Act and demanded that they produce " copies of all correspondence and any settlement agreements '' relative to this debt. No response was ever received and nothing was ever produced. XXXX, XXXX, XXXX XXXX XXXX immediately ceased attempting to collect the debt and no further contact was received. Now two years later another debt collection firm, Patenaude & Felix, A.P.C. is again attempting to collect a debt that was settled in a short sale and I know longer owe. For nearly 4 years now, this debt continues to tarnish my otherwise good credit rating and I feel helpless to remedy the situation.
Product: Other financial service

In XXXX, I made the required number of payments to rehabilitate my defaulted student loans. I was told by a representative at the time, who was from either Pioneer Recovery , Inc., or XXXX XXXX XXXX, that XXXX XXXX XXXX ) consecutive payments would have to be made to a company called XXXX. After which, my loans would be in good standing ; the collection fees would go away and I could defer the loan if need be. Pursuant to what I was told, I set up the payments for automatic debit from the checking account. After the payments were made, I received a letter from XXXX XXXX XXXX XXXX, saying congratulations on the rehabilitation. I was then told by one of the servicers that I would have to immediately start making {$400.00} payment per mo. At the time, I could not afford to make {$400.00} payments and I therefore requested a deferment and was told that I could not defer the loans. The loans were never placed in good standing, the collection fees did not go away, and a deferment was not available. 
In late XXXX, to resolve my student loan dilemma, I requested detailed accounting from Pioneer Credit Recovery on how my payments had been applied and other information. They supplied very little information. Through all of this, I was receiving correspondence, simultaneously and sometimes conflicting from XXXX XXXX XXXX XXXX, c/o XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, c/o Navient, XXXX, Pioneer Credit Recovery , Inc., XXXX, XXXX, and Navient. Dealing with these various companies has been confusing, frustrating, inaccurate, inconsistent and most of all deceptive. I would like a clear explanation of how my original student loans totaling {$55000.00} are now $ XXXX. In closing, these companies have reported inconsistent and inaccurate information to the credit bureaus adding to my frustration.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX states that if a payment is late, but paid within 7 days of due date, then you will be refunded each {$7.00} late fee that applies to a payment. I got a new job and my pay dates are different and so i am always a day or two late making the payments and have expressed this before. The app continues to let me finance orders through them with no issues. In the app there is an automated chat system called " XXXX '' that has taken care of refunding these fees before, and all of a sudden it doesn't work and hasn't for the past few months. I have sent at least 4 emails in the last few months to support requesting the fees be refunded as per their policy but have not received any response. I also pay for a subscription ( {$9.00} ) that explicitly states a perk of this subscription is faster response times than non paying members. Since when is 2 months faster response times? they refuse to reimburse me but have no problem taking my money.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes they transferred to XXXX. Whom I promptly paid for delete. All other creditors deleted per XXXX   request.