23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I received a notice from XXXX XXXX XXXX, XXXX informing me of a debt collection attempt on a non-existent PayPal credit account. I wrote to the XXXX on XX/XX/XXXX informing them that I had been a victim of identify fraud and that I have never had a credit account with PayPal. On XX/XX/XXXX, I received another collection notice from the same company for a different PayPal account number with a different amount. I again wrote the company telling them that I have never had nor ever will have a " credit '' account with PayPal and that this is fraud. I also verified with PayPal that no such account number even exists and that this is clearly fraudulent and to cease and desist from contacting me. On XX/XX/XXXX, XXXX, I received yet another debt collection notice from XXXX with yet a third/different PayPal account number. Each letter states that if I do not write them back, then it is assumed that the debt is legitimate. They need to stop harassing me into taking my time and money to write and send certified letters telling them these are fraudulent accounts. They need to have better controls in place internally to verify that these are in fact even legitimate PayPal accounts, which they are not according to PayPal.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

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

in accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXXXX/XX/2024 XXXX 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 person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> Dear XXXX : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. i have attached the FTC report and contacted the police department and obtained a police report which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize please see attach ftc. 

Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, XXXX XXXX XXXX, account # XXXX, account is reporting inaccurate late payments to all 3 credit bureaus. They are stating the following inaccurate information, due to the FCRA this is a violation, please see below. 
Account # XXXX, Open. {$2900.00} past due as of XX/XX/2024. I have never been late on this account.

Late payments are showing on my account and credit profile, from the date which is actually Illegal Pursuant to 15 U.S.C s 1666 ( B ). Please remove the account
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased two phones from XXXX who is a wholesale retailer for XXXX XXXX. Both phones were returned on XXXX XX/XX/2018 to XXXX and XXXX provided a refund receipt. A refund receipt and credit card refund is attached. The return was within the remorse period by XXXX and honored by XXXX. XXXX was not able to communicate the refund to XXXX communication and they called be about the amount due after many months. I told XXXX that the devices were returned and they need to call their retailer. XXXX made no attempt to reach out to XXXX and so I personally went to the store and asked him to resend the cancellation. XXXX provided a copy of refund receipt. XXXX then sent the amount to the collection and every time I tell collection agency that it has been returned, they sell it to other collection agencies. I reached out to EQUIFAX to correct the reporting but they reach out to XXXX who keeps confirming. Both XXXX and XXXX are ignoring refund receipt. I have to pay a higher interest rate due to collection and more recently denied credit due to the collection on my report. I have called XXXX but they keep saying that the account is in the collection and they can not open my file. so I am in a vicious loop trying to correct a wrong item on my credit report. I want XXXX to call XXXX ( phone numbers are there in the attached ) and correct the issue. Also, EQUIFAX should not report false items when provided proof of payment.
Product: Checking or savings account

Navy federal takes money from my account it doesnt show why and where it went to they have take over and over again this time its over XXXX dollars missing from my account it has pending transactions but they have been cover I need all my money back they owe me because money is missing without a cause to why they are a rip off pending transactions have already been taken out my account but yet they are stealing money from my account saying its because of the pending transactions making it easy for them to steal it
Product: Checking or savings account

tried send money from my m and t bank with XXXX to XXXX XXXX to my account ... I guess for some reason it flaged a security thing because my m and t online banking login is blocked now I called XXXX XXXX and they are working unlock so just this is For m and t to tell the bank It was me who did the XXXX Im confirming, please unlock my online banking thanks XXXX XXXX
Product: Debt collection

I pulled my credit report and was looking over it and seen there were accounts i have no clue as to where they came from and or authorized to be on my credit report. This is an act of identity theft and according to Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ) the specific information under dispute is derogatory nature : AMERICAN EXPRESS # XXXX, XXXX XXXX # XXXX, XXXX  XXXX XXXX  # XXXX, XXXX  XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX   XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX # XXXX.
Product: Mortgage

We modified our mortgage XXXX once in XXXX and again in XXXX. Somewhere in that process our current mortgage servicer Ocwen, ( who absorbed our previous mortgage lender, Litton Loan Servicing LLC ) lost documentation regarding those modifications and now claims we owe {$40000.00} and they have issued a lien on the title. 

Facts : We have documentation showing that Litton Loan originally purchased our mortgage from XXXX in XXXX. This mortgage was an " XXXX '' split, attached documentation shows Litton purchased both " parts '' of the mortgage. 

Between XXXX and XXXX we modified the loan with Litton because of inflated interest rates and a payment we could n't afford. the modification was completed and our mortgage was then placed with Ocwen as a result of the government shutting down Litton Loan for bad business practices. Litton Loan had a difficult time during this process answering our phone calls and responding to our requests for documents. 

Ocwen then odified the loan for us again after taking over for Litton because the property was not worth anything close to what was owed. In fact, at that time they forgave more than {$98000.00}. We have the XXXX cancellation of debt, tax information, forgiving that amount as proof. This was complete late in XXXX. Interestingly, Litton never issued this documentation to us, we did not realize this was a requirement they should have fulfilled until we received XXXX from Ocwen. 

During this time we have never been contacted by either Litton or Ocwen to say that we owed an additional amount of {$40000.00}. In fact, we specifically asked time and again if we would ever be attached the amounts forgiven in either modification, to which the answer was always " no ''. 

Ocwen also claims to not have certain paperwork that we have requested, paperwork that should have been record given to them when they absorbed Litton. 

Now, we have sold the property and are trying to close on XXXX XXXX, XXXX and need a discharge of debt because there is a {$40000.00} lien on our title, which Ocwen refuses to issue and claims they have no further information on. Their research department was being cooperative and about 1 week ago they stopped helping us. 

We therefore are requesting help in compelling Ocwen to issue a discharge of the {$40000.00} debt and are filing a complaint against the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to you so that you will assist me in getting identity theft items and incorrect status items and unknown items removed from my credit file. the following items does not belong to me : The Bureaus - XXXX XXXX XXXX  - {$560.00} Unknown - Acct # XXXX ; Bal {$41.00} Unknown - Acct # XXXX ; Bal : {$41.00} XXXX - {$1300.00} XXXX  - {$390.00} The following items are reporting an inaccurate late status for the following accounts : XXXX - Bal : XXXX ; incorrect late status of 30 days late in XXXX and XXXX XXXX  XXXX - Bal : {$19000.00} ; incorrect late status of 30 days late in XX/XX/XXXX XXXX XXXX XXXX - Bal : {$200000.00} ; incorrect late status of 30,60, 90, 120 days late in XXXX and XXXX The following Public Record is not mine : Chapter XXXX - Dismissed XXXX
Product: Credit reporting or other personal consumer reports

XXXX  please conduct an investigation to determine what damage are caused against me this time as I understand connected to step forward XXXX XXXXXXXX and XXXX XXXX maybe XXXX XXXX also involved. As further harm against me by XXXX XXXXXXXX XXXX  mortgage scam artist fake XXXX XXXXXXXX XXXX fake SSN numbers XXXX and XXXX and he used on over 30 loans fake titles with two fake XXXX degrees 1XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX  in which both I reported and he were fired and notified XXXX as XXXX. He went on and cash two XXXX escrow account checks in my name. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under XXXX discovered myself on title. XXXX  department of Treasury XXXX. To confirm my ownership please review XXXX and XXXX.
Product: Mortgage

My job at the United States. Postal Service has decreased hours to four hours every two weeks. I was refused by unemployment due to being still employed with the post office.
Product: Credit reporting or other personal consumer reports

Car loan with XXXX XXXX XXXX XXXX XXXXXXXX XXXX has been paid off in full Ive received the title yet XXXX XXXX has not updated the status of it being paid off to any credit bureau and I want this corrected. Its still showing open and even late past 45 days. I want them to correct the error
Product: Debt collection

RE : XXXX XXXX ( XXXXXXXXXXXX ) We have multiple complaints regarding this company, but the main one of concern is the use of other parties to contact us on behalf of the company. I personally have sought to find remedy to this issue with the agents that contact us directly, yet have found no resolution, nor have I had any contact regarding this issue since I made a request for more information surrounding our current balance and explanation as to who the third party in question is. 
I was a joint debtor on an auto loan ( acct. # XXXX ) through PFS until we voluntarily surrendered the vehicle XX/XX/XXXX. On XX/XX/XXXX, my husband, XXXX XXXX XXXX, received correspondence from a party named " XXXX XXXX '' via the social media website XXXX regarding the auto loan, asking us to contact XXXX XXXX of PFS. 

XXXX XXXX, a collections representative for PFS, found it acceptable to use a third party unrelated to PFS ( XXXX XXXX ) or ourselves to contact my husband regarding the vehicle on XXXX. I have proof of the correspondence between this party and my husband that I 've only recently discovered. 

We no longer have the car, and have been asking for statements as to how much we owe on the vehicle. We have not received the statements that we have been asking for, and have paid {$300.00} a month since XX/XX/XXXX per an agreement with PFS. According to PFS, we still owe approximately {$8000.00} left on our installment agreement. PFS and its agents are blatantly ignoring all requests for information. 

In addition to this, we also have further documentation that they have previously contacted my husband 's place of employment after being advised not to, which lead to his job security being threatened. He was advised that he would be subject to termination if collection attempts to his HR department continued, and they did for at least 1-2 more additional attempts. 

We are trying to resolve this with the representatives directly, but they have been ignoring my written correspondence altogether. Any assistance I can receive in remedying this issue would be much appreciated.
Product: Money transfer, virtual currency, or money service

Skrill com froze my account for NO REASON. I was already verified, with I'd and everything they locked my money over XXXX dollars so I can't use it and then they started charging me fees that they have never charged in the 3 years I've been with them. They also stopped answering me and now my accounts help messages to customer support get closed immediately, nobody 's even reading my cries for help and the money is rightfully mine! I told them I would pursue legal action and they laughed at me.
Product: Credit card or prepaid card

I dont have any knowledge of this account ( Ginnys ) one of their many affiliated companies and tried repeatedly to notify them. Its been years and this account is still showing on one of my credit report. This acount was deleted from two credit reporting agencies due to the fact that it was opened without my knowledge and consent and was found to be a fraud from years ago ; however, they are still reporting to my XXXX. Based on my research on this matter, It seems like this company has a reputation of opening fraudulent credit line without peoples authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have identity on all 3 of my credit report Equifax, XXXX XXXX, XXXX  credit reports. They are reporting wrong information. accounts I never opened. In know accounts. I am a victim of identity theft. Accounts open by someone posing as me. These accounts are not mine. XXXX XXXX XXXX, XXXX amount of XXXX XXXX XXXX XXXX XXXX amount of XXXX. XXXX XXXX XXXX XXXX XXXX amount of XXXX. 2 accounts from the same company. account XXXX XXXX XXXX amount of XXXX. 2nd account XXXX XXXX XXXX amount of XXXX. XXXX XXXX XXXX XXXX amount of XXXX. These accounts I never opened someone posed as me to open these accounts! This is identity theft fraud. None of these accounts I have no knowledge of. 
I am willing to prosecute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, XXXX and XXXX XXXX. 
I had a loan for this Vehicle XXXX XXXX XXXX XXXX XXXX back in XXXX during XXXX ; Impound Company call me and let in me know that this Vehicle has a Lien and is going to give back to the Lien holder XXXX XXXX  ; the value of this vehicle it was Over XXXX XXXX XXXX  never contacted me about they have the Vehicle ; according with the Law ; i i have the right to receive a letter giving me the opportunity to paid off.Never happens they just put in my credit as a charge off for the full amount {$99000.00} ; remember the value of this car was over XXXX XXXX to be exact ... .where is the paperwork showing they sold at the auction by law ....! please help me ..... 



XXXX XXXX ( XXXX ) XXXX
Product: Checking or savings account

I made a deposit of about {$380.00} in the morning then proceeded to do a little XXXX shopping not realizing that the funds I put in my account were not available until the next business day. I ended up owing the bank {$140.00} in overdraft fees. My bank statement clearly shows my deposit before any withdrawals of money, and that I was not over drafted, but the bank claims this is not in error, I owe them the {$140.00} they deducted from my account when the check cleared.
Product: Credit reporting

Incorrect address on a credit report ( most likely due to divorce : the address is that of my ex husband and his XXXX wife )
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX acct # ending # 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 an account without my written instructions.
Product: Credit card or prepaid card

I was behind on my Best Buy credit card and it was referred to XXXX XXXX. I made arrangements through them to pay Citibank the owner of the card ( Note Citi still owns the debt ). This occurred in approximately XX/XX/2017. Payments were set up to be automatically drawn from my checking account and have been done so every month. Most months I have been paying OVER the minimum required. I had a difficult month and called XXXX XXXX and asked that my payment be changed from XXXX to the minimum of 80 something for 2 months - I was told that was fine and I would stay on track. Come to find out that starting with the second month BestBuy has been considering it late because the minimum must have gone up a few dollars and have been hitting me with late fees. According to a statement I just got the total has been {$100.00} I have placed phone calls to them and finally spoke with the Internal Recovery Dept who verified I have never missed a payment, that my payments are on time and are regulated through the XXXX XXXX. First they tried to tell me that the fees were from XXXX XXXX and I pointed out that they were from BEST BUY aka Citi I asked that the waive that past late fees and credit my account and they refused saying " It's too bad I was given faulty info by their agent ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Spring Oaks Capital LLC is reporting Account # XXXX to my consumer report which is FALSE & MISLEADING because I have no legal obligation or contract of any sort with Spring Oaks capital LLC. This is a violation according to CFR 1006.18 ( FALSE, DECEPTIVE, OR MISLEADING REPRESENTATIONS OR MEANS. I demand for Spring Oaks Capital LLC to DELETE the negative item from my credit file, immediately.

I Demand that SPRING OAKS CAPITAL LLC Please attach copies of the following : 1. ALL required disclosures pursuant to 12 CFR Part 1006.42 2. Agreement with your client that grants SPRING OAKS CAPITAL LLC the authority to collect this alleged debt.

3. Signed agreement Debtor has made with SPRING OAKS CAPITAL LLC or other verifiable proof Debtor has a contractual obligation to pay SPRING OAKS CAPITAL LLC. Any agreement that bears the signature of Debtor, wherein agreed to pay SPRING OAKS CAPITAL LLC.

4. All statements while this account was open.

5. Answer : Have any insurance claims been made by any creditor regarding this account?

6. Answer : Have any Judgments been obtained by any creditor regarding this account?

7. Please provide the name and address of the bonding agent for SPRING OAKS CAPITAL LLC
Product: Checking or savings account

For the past five years I have received a paycheck from the same employer, XXXX XXXX, at the same time, on or about the XXXX of the month. The checks have been deposited either physically at the bank, or more recently in the past years, electronically via the Chase bank app. The check in question was received by me on XX/XX/2023 and electronically deposited with the Chase Bank app on the same day, XX/XX/2023. As usual, Chase released {$500.00} immediately and stated that the remaining balance, {$5500.00}, would be available XX/XX/2023. We are all aware of the issues that arose regarding XXXX XXXX XXXX  and XXXX XXXX  on Friday, XX/XX/2023. The check in question was from an XXXX XXXX account at XXXX XXXX. 

On Monday, XX/XX/2023, President Joseph Biden made a televised appearance at XXXX to assure the American Public that the banking system was stable, and that all business associated with both XXXX XXXX XXXX  and XXXX XXXX  would proceed as normal. The New York State Department of Financial Services, which appointed the Federal Deposit Insurance Company as receiver. 

On Tuesday, XX/XX/2023, I received notification from Chase bank that there would be a hold put on the funds availability of my check deposit. Chase removed the previous cleared funds of {$500.00} from my account. Upon calling Chase Bank regarding this reversal of fund availability, and extended hold on the check until XX/XX/2023, I was provided the phone number XXXX, which is for Chase Banks Loss and Fraud department. Together we were successful in contacting the bank to determine that the check was in good order and in fact had cleared XXXX Bank on XXXX XXXX. The hold was removed and the totality of funds were made available.the same day of XX/XX/2023, Chase bank reversed their decision in the early evening and again put an extended hold on the check, and the full amount of the check was removed from my account. This is even though at this point in time Chase had received the funds from XXXX XXXX. In following up with Chase today, XX/XX/2023 Chase has refused to release the funds from my deposit and will not discuss removing the extended hold, currently for another week, to clear the funds. 

The banking system, and consumer confidence in the banking system, in the United States is crucial to the economy of the United States. President Biden made that point in his early morning address on Monday, XX/XX/2023. Chase Bank has violated this confidence and their actions can cause rational minded individuals, and companies, to make rash decisions that will de detrimental to our economy and banking system. This type of behavior exhibited by Chase Bank is not the kind of behavior that instills confidence in Chase bank, the XXXX XXXX XXXX, nor the XXXX XXXX. This behavior on behalf of Chase Bank is reckless and should be acknowledged as such. Chase is putting our economy in peril and I request assistance with this matter.