23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Paramt Rec I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Product: Mortgage

In XXXX of XXXX, I got received a letter saying that I had unpaid XXXX taxes due that totaled to {$2900.00}. They had been due at the end of XXXX, but now late fees were being added on. I checked and my escrow account had plenty to cover the cost, so I emailed my mortgage company ( Mr Cooper ) and messaged them on their website. I attached the bill and asked them to pay it. They said they were " reviewing the situation '' but never actually paid the bill. I sent them repeated messages, but they would only say they were " reviewing the situation '' and never took any action. Finally I paid the bill myself, along with the {$380.00} in late fees that had piled up. I messaged them about this and asked for a refund, as they are supposed to handle these bills as part of the escrow account. They sent me yet another letter saying they were reviewing the situation and once again took no action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the
Product: Credit reporting or other personal consumer reports

I am writing to you for this time regarding the accounts listed below that continue to appear on my credit report. Despite my repeated attempts to have these inaccuracies corrected, these accounts remain on my report, negatively impacting my credit score and causing me undue stress and hardship. I am once again formally requesting that these accounts be permanently removed from my credit report. This request is made under the provisions of the Fair Credit Reporting Act ( FCRA ), which obligates credit reporting agencies to ensure the accuracy of the information they report. These are the following accounts : XXXX. XXXX XXXX Balance Owed : {$0.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. 

XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 

XXXX. XXXX XXXX XXXX Balance Owed : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. 

XXXX. XXXX XXXX XXXXalance Owed : {$200.00} - The limit to this account was a fraction of the amount due as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Product: Money transfer, virtual currency, or money service

Dear Sir or Ma'am, I am reaching out to file a complaint about PayPal. My funds are being held at {$3400.00}. I have utilized the chat options via the app on several occasions with no success. No one has responded. I called the PayPal credit card line to reach an actual person. Upon this action, I was held for over an hour, an agent finally answered only to disconnect the call after I provided the tracking information provided by the buyer. PayPal has received its fee of {$700.00} yet my funds remain on hold even after the buyer updated the shipping information via the PayPal app. My funds should not have to be held as the buyer has been in communication with PayPal reporting no issues. I have recorded phone call conversations as well as photos for documentation of all my many attempts to speak to an agent for a resolution.
Product: Credit reporting or other personal consumer reports

I did not authorize these credit inquiries and have no relationship with the companies listed. These inquiries were made without my consent and constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, I have the right to request that unauthorized inquiries be removed from my credit report to prevent further harm to my creditworthiness. 
XXXX XXXX XXXX XXXX ( Date : XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. EXPERIAN XXXX CRED ( Date : XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX ( Date : XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX XXXX XXXX ( Date : XX/XX/XXXX ) and ( Date : XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Credit reporting or other personal consumer reports

This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( A ). the information was blocked in error or a block was requested
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am extremely disappointed that inaccurate information has been included in my credit report. The Fair Credit Reporting Act gives me the right to dispute any such information, and I demand that this be rectified as soon as possible. I understand that creditors are required to document and validate the data in my credit report before using it. I find it unacceptable that allegations of delinquency and derogatoriness against me have been made, which are completely false. I will fight back with all my strength, but I need evidence that supports the negative status of my accounts. I request that you provide proof of a permissible purpose for the inquiry or account within my report. Your lack of attention to detail in compiling my credit report is disappointing, and I must say that you are not doing your job properly. Immediate action is imperative to resolve this issue ; otherwise, there could be serious consequences. I am giving you a 30-day window from the date of delivery to resolve this matter, and I hope that everything can become clear and correct itself without the need for intervention or escalation. 

Listed below are the Accounts that are being challenged : XXXX XXXX XXXX XXXX XXXX This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in written instructions of the consumer to whom it relates. 

XXXX XXXX - XXXX This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in written instructions of the consumer to whom it relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sold my mortgage to XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX, I was never sent a letter to inform me of this change. I had my bank account set up to auto draft my payment every month. I had been in my house over 14 years and have never missed a payment. When my bank sent the payment to XXXX after they had sold the account XXXX sent the payment to XXXX. Then the next month when XXXX received the payment they sent it back to my bank. I was not aware of the change until my bank contacted me and told me the payment had been returned. I contacted XXXX  who told me they had sold the account. Then I contacted XXXX at which time the payment was already late. XXXX told me that if I provided them with proof that my bank had sent the payment to XXXX on time and a good faith letter from XXXXXXXX admitting it was their mistake they would amend the credit report. I sent them both of those things and they refuse to fix the missed payment report. I have USPS reporting that sends me a email of all my mail, I never received a notice that my mortgage company had sold my mortgage and that I needed to take action.
Product: Credit reporting

They reinserted information that was never verified. They did not notify me within the five day period. I have resubmitted a dispute.
Product: Credit reporting or other personal consumer reports

If Equifax has confirmed that your personal information was impacted by the data breach and provided you with an engagement number XXXX, it means they are acknowledging your case and may offer support in resolving any identity theft issues. Heres what you should do next :
Product: Debt collection

On XX/XX/XXXX A lady by the name of XXXX XXXX at XXXX and XXXX XXXX aka XXXX XXXX  contacted me stating that they were taking me to court if I didn't pay the debt that I owed from Moneykey. I have been trying to fix my credit so I went ahead and paid {$430.00} to settle the debt because I didn't want it to hit my credit. She sent me a letter of satisfaction of the debt and stated that they will not pursue any other action. 

Then on XX/XX/XXXX I get a call from XXXX XXXX stating that they are going to be serving me with a lawsuit that day if I didn't pay the debt that I owed for Moneykey. I forgot that I had already paid them and not wanting it to hit my credit I set up a payment arrangement and paid {$250.00}. Later that day I finally realized that I had already settled and paid the debt with them in XXXX. I called the next morning to get it resolved and get refunded and they were extremely rude stated that I have XXXX accounts for Moneykey and that I owed them. 

I called Moneykey and was advised that I only had XXXX account and NEVER had XXXX accounts with them. 

I reached back out to XXXX and XXXX consultants aka XXXX XXXX and talked to XXXX XXXX and he stated that it was untrue and they will not be refunding any money. 
I Disputed the charge with my bank account and left it alone. 

On XX/XX/XXXX at XXXX, XXXX, and XXXX I received a call from the " Attorneys office '' of XXXX and XXXX consultants demanding that I pay them or they were going to be serving me with a lawsuit.
Product: Debt collection

I am writing to formally dispute the accuracy of XXXX CCS accounts currently being reported on my credit file. Upon recently reviewing my credit reports, I was shocked to find these accounts still listed despite having been fully paid. It was my understanding that upon payment, CCS would remove the tradeline from my credit report. However, these collections remain, inaccurately reflecting a negative status and negatively impacting my credit profile. As a result, I have been unable to secure credit and it is jeopardizing my ability to obtain approval for a home loan. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into this matter and the removal of these accounts from my credit report.
Product: Vehicle loan or lease

I am writing to formally lodge a complaint concerning the GAP insurance refund that is owed to me. I have been waiting for a refund of {$430.00} following the early payoff of my loan. According to the letter received from BMO BANK, it is stated that BMO BANK refunds customers directly within 60 days of the loan payoff date. My loan was paid off on XX/XX/2024. It is now XX/XX/2024, and I have yet to receive the refund. 

Despite multiple communications with BMO BANK, the situation remains unresolved. I was informed that a check was issued for the refund, but I never received it. Consequently, I had to initiate a stop payment on the check. Almost a month ago, I was assured that a follow-up call would be made to address the issue, but to date, I have not received any such call or further communication. 

It is unacceptable that, after four months, I am still waiting for my rightful refund. I request immediate action to rectify this situation. Please expedite the processing of my refund of {$430.00} and ensure that it is sent to me without further delay. 

I have attached a copy of the letter from BMO as proof of the payoff date and the amount owed. I expect a prompt resolution to this matter and a confirmation once the refund has been processed. 

Thank you for your immediate attention to this issue.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. Account information is as following- XXXX XXXX XXXX {$170.00} has violated my rights. I looked at my Transunion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to the 15 USC 16881 ( e ) ( b ). According to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by the consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2 they are supposed to not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

In 2019 my wife XXXX and I started a XXXX XXXX XXXX in XXXX, using Chase for our XXXX checking account and merchant services ( credit card point of sale. ) As our XXXX grew we went from a few hundred dollars a day sales to over {$5000.00} per three day week average. 

This month we moved into a larger location in XXXX, and on our first day XX/XX/XXXX we made {$12000.00} credit card sales. XX/XX/XXXX {$12000.00}. XX/XX/XXXX {$6500.00}. 

I noticed that week that the money hasn't gone to my checking account as it usually does. I called to register my concern Thursday XX/XX/XXXX. 

XXXX XXXX I spoke to someone in the risk management department that said it had to do with us having much more sales than previously. They said they were going over the transactions. 

The night of the XXXX we got an email saying that those first three days of XXXX all sales had been canceled. I have confirmed with some of my customers that they were not charged. 

The best Chase has managed to do is tell me to get all my customers to come back in and charge them again. While that would be embarrassing, I could do it for some of my repeat customers. However many of our customers walk in and buy something and I never see them again. Either way the implication that this is my responsibility is absurd.
Product: Debt collection

XXXX XXXX put on all 3 of my credit reports that I owed them {$1100.00} in XX/XX/XXXX, with XXXX XXXX, which I disputed, due to the fact that I have the XXXX signed receipt from XXXX XXXX showing they received their equipment back on XX/XX/XXXX, so it was removed, then XXXX XXXX put in back on all 3 credit reports the same {$1100.00} again with XXXX XXXX in XX/XX/XXXX, which again, I disputed with my same records, and it was removed from all 3 again. Then XXXX XXXX put in on all 3 of my credit reports again for the {$1100.00} on XX/XX/XXXX with AFNI, by changing the original opened date to XX/XX/XXXX which on XX/XX/XXXX, I hired an attorney with the XXXX XXXX XXXX, in XXXX Texas, whom took my {$250.00} retainer, never had me sign anything, never followed up with me to this very day, phone number XXXX, which I sent them all the information I had showing it was an open and shut case of my rights with the FCRA, and when I was able to get ahold of them myself, I was told they sent AFNI a certified letter to asking them to remove the it from my XXXX credit report, as I believe that is the last one it still remains one, as it was removed from the other 2, but all that happened was AFNI lowered the amount to {$350.00}, saying it was now for prorated services I owed. From my understanding, once it was reported that I owed the {$1100.00} the first time, months after they had already received their equipment, which is what I was told the balance was for the first time, they broke the law? Then to do it again with XXXX XXXX, they broke the law again, just to do it a 3rd time, by changing the date the account was opened, which was almost a year after I have proof they had actually received their own equipment back, then broke it again, by just changing the amount and I have disputed this myself at least 15 times, and Ive paid for an attorney that has failed me as well. This has now been going on for over 2 and a half years of ruining my credit, my name, and stress you would not believe. I been on meds now because they just keep getting away with it. And when I called AFNI, they even told me that if it was at their collections agency, then they knew it had already been through the other 2, because they are the last of 3 collection agencies XXXX XXXX uses. I know I am not the only person this has happened to, I 'm sure. But I dont know what else to do. Disputes dont help, when I have all the actual paperwork, and documents showing they received it before it was ever placed in collection the first time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have advised Experian on several occasions that I was never late on my XXXX XXXX account opened in XX/XX/XXXX, my XXXX XXXX account opened in XX/XX/XXXX. I have also advised that the XXXX XXXX XXXX   account opened in XX/XX/XXXX, the XXXX XXXX account opened in XX/XX/XXXX, the XXXX XXXX XXXX XXXX XXXX A account opened in XX/XX/XXXX, the XXXX account opened in XX/XX/XXXX, the XXXX XXXX XXXX opened in XX/XX/XXXX, and the Chapter XXXX Bankruptcy closing date of XX/XX/XXXX is not mine, this information is inaccurate and may be a result in identity theft. I have provided proof to Experian that this information is inaccurate. Experian has yet to prove their case on where they received this inaccurate information and refuse to remove the information from my credit file. Please help me get this matter resolved and have this inaccurate information removed from my credit file.