23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sold my debit to XXXX XXXX XXXX in 2019 and the account was closed. I made all the settlement payments with XXXX XXXX XXXX with my checking account. The company withdrew double the amount I was told. After completing my payment after 12 month. Non of my payments was reported. Im additional to that XXXX XXXX got the debit back and put it back on my credit report. I attached payments that was made to the collection Agency XXXX XXXX This debit should not be in my report. The company withdrew more than was discussed my monthly payment agreed upon was XXXX they charge me additional XXXX for 6-8 months without my consent.
Product: Checking or savings account

On XX/XX/XXXX I received an chargeback notification from PayPal for {$400.00}. I immediately called the customer and she realized her mistake and called her card issuer, XXXX to cancel the claim she filed the day before. PayPal followed up with them and XXXX notified PayPal that the dispute had been canceled but they proceeded with the claim anyway and charged my account and accessed a fee. I have made numerous calls and even three way calls with PayPal, the customer and XXXX. I have requested PayPal to call XXXX and provided them the information twice. The customer provided me with proof that the claim was closed and the funds were returned and PayPal refuses to trace these funds. They give me an excuse that ranges from saying they have never heard from XXXX to this legally needs to take 90 days. I get a new story every time we speak.
Product: Checking or savings account

On XX/XX/2021 Bank of america closed my account and on XX/XX/2021 the bank kept my paycheck in the amount of {$720.00} on XX/XX/2021 i first become aware of 5 unauthorized claim charges were submitted causing bank of america to add credit to the account totaling an amount of over {$1000.00} i reported to the bank the bank that i did not make those claims the bank said the frauds team was notified by and automatic alert the moment the claims were being made and they begin monitoring the account the bank stated the claims were made by a phone call to the bank the claims agent failed to follow the procedure to verify the identity of the caller to be who said to be instead the agent matched profile information with the callers inform the caller pretended to be me using my identity while communicating with the agent the claims date back to XXXX XXXX and were all payments i made to XXXX my loan a title loan company who then filed a lawsuit against me
Product: Vehicle loan or lease

I was shocked when reviewing my credit report and found a late payment on the date below : 90 days late as of XX/XX/XXXX and charged off in XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. The payofff and title had already been released to me. When I reached out to them, they said that they tried contacting me via phone however they did not have my correct number. No attempts to contact via ground mail or email that a balance was still owed were attempted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reach out to each of these companies to remove the inquiry, they advised me to reach out to credit bureaus. I have sent several letters and the inquires has not been removed yet.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX MIDLAND FUNDING XXXX MIDLAND FUNDING XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MIDLAND FUNDING XXXX MIDLAND FUNDING XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of a late payment on my credit report for this account : XXXX XXXX 

I have contacted the bank regarding this late payment, and they have approved updating the account to " open/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX  XXXX  XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX, XXXX XXXX, XXXX,
Product: Credit card or prepaid card

I previously had not been able to get into and finally today I see where with citi did I misunderstood that it had been closed with the dispute? I am still in process of receiving this previous statement of owing {$190.00}. XXXX for a purchase on XX/XX/20 ( {$98.00} XXXX and XX/XX/20 ( {$98.00} XXXX totaling the {$190.00}. Would this company not acknowledge since I am disputing charges and had stated repeatedly that no purchases would I make again until I had a XXXX balance of them correcting charges that was done WITHOUT MY PERMISSION. I received this bill on XX/XX/20. They had me sign a sheet stating that the account would be closed to protect it from further fraudulent activity on XX/XX/20 but yet another charge was on the XXXX?. Not one charge is being disputed but 9 at the moment. Excuse me 10 because yesterday I received yet another package in mailbox, I left it in box, wrote refused as I have done with all the others and mailman picked it up today. So please advise Citi to do as they stated they would!!!! I have only received two letters stating dispute has been opened one for {$100.00} and the other {$98.00} ... ... I need confirmation of all thru mail, please. I am looking forward to having a XXXX balance and closing this card permanently. This started in XXXX and its now XXXX ... ..I am indebted to your Bureau for helping me. This has been a struggle for them to get involved when I am a customer that usually pays the entire bill for each statement unless I have a balance transfer. I am never late and I only want HONESTY!!!! I am so ready to close this folder of all my letters to them unanswered until YOU ... ... I thank you!!!! Have a great weekend!!! Thanks again so very very much!!!! XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX Account XXXX XXXX has violated my rights. 
XXXX Account XXXX XXXX has violated my rights. 
XXXX Account XXXX XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX & XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX  XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX IN Account # XXXX has violated my rights. 
XXXX XXXX IN Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # 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 reporting, credit repair services, or other personal consumer reports

XXXX has placed 4 unauthorized inquiries on to my consumer report and I want them deleted now. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b in general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

There is no clear proof of any transactions that have been provided to me upon my request from any Creditor.
Product: Credit reporting or other personal consumer reports

I have already sent letters to the creditors asking to remove the late payments on my credit report they have not abided by my request. In which the information is reporting inaccurately. They have also violated my consumer rights by not giving me the option to opt out from reporting this information to any third party agency. 

15 U.S.C 6802 states Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; Please remove any negative/late payments and update the following accounts to positive. This has made a huge impact on my score and made it difficult to apply for credit for a new home. 

ACCOUNT NAME-XXXX ACCOUNT #  XXXX ACCOUNT NAMEXXXX XXXX XXXX ACCOUNT # XXXXXXXX ACCOUNT NAME- XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME- XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME- XXXX  XXXX XXXXXXXX XXXX ACCOUNT # XXXX ACCOUNT NAME- XXXX  XXXX XXXX XXXX XXXX ACCOUNT # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

On the XXXX of XX/XX/XXXX, I travelled to a XXXX XXXX XXXX XXXX XXXX retail branch located at XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXXXXXX. The retail branch XXXX, XXXX XXXX, processed my payment for {$3100.00} in cash ( USD ) toward an auto loan. My payment brought the account balance to {$0.00}. 

XXXX XXXX provided a signed statement to detail the transaction and current balance. 

On the same day ( XXXX of XX/XX/XXXX ), I initiated disputes with all three credit reporting agencies : Experian, XXXX and XXXX. Included with each dispute was a copy of XXXX XXXX 's written statement and a statement transaction to detail account transaction between the XXXX of XX/XX/XXXX to the XXXX of XX/XX/XXXX. 

The statement transaction highlighted my payment of {$3100.00} on the XXXX of XX/XX/XXXX. 

XXXX and XXXX updated my credit information on or before the XXXX of XX/XX/XXXX ( approximately XXXX business days later ). 

Experian refuses to update my credit information, and as of the XXXX of XX/XX/XXXX claim to have verified the balance of the auto loan has not changed. 

This is the second complaint I have filed this year against Experian for failing to perform the due diligence necessary to report accurate information.
Product: Debt collection

I have never received anything from them? This was XX/XX/XXXX til XX/XX/XXXX, but some how still " open '' on my credit report I ca n't get ahold of them to pay or settle ... I have no account number or anything ...
Product: Mortgage

Seterus refuses to send me my loan payoff in a timely fasion, I ordered it on the XXXX, and over 7 days later I do n't have it, they are telling me another 24-48 hours. they wo n't connect me to anyone that can help.
Product: Mortgage

Carrington Mortgage Services did not follow thru on the HAMP modification that was applied for thru XXXX XXXX. They stated that the 3 month trial period would be as long as 10 months because they were too busy to look at it from acquiring too many loans from XXXX XXXX XXXX. XXXX XXXX XXXX approved a trial HAMP for three month sold the loan to Carrington Mortgage Service before the first payment was received. A good bye letter was received but no welcome letter ever came. Every month required a phone call to Carrington to make the trial modification payments which were XXXX more than the regular monthly payment. Numerous calls to Carrington with poor or inaccurate information have occurred. Carrington ultimately denied the modification due to liens they stated were attached to the property. The liens are not attached to the property and Carrington did not provide accurate information on the phone. Carrington will not apply over 6 months of full payment to the outstanding balance and have cause a determent to credit scores and ability to get out of this situation. Carrington did not try to obtain clear title just stated there was not a clear title. HAMP guidelines require the lender to do everything reasonable and necessary to obtain clear title to approve a HAMP modification. This did not occur.
Product: Payday loan, title loan, or personal loan

We opened an account with conns and when we received our payment book we noticed errors. We then went back to the store and they re-did the account fixing the mistake and then sent us another payment book with the correct amount but, the first account was supposed to be deleted and never was. We are up to date on the current account but they wont delete the first faulty account. My credit is spotless other than this. We have called numerous times to try and rectify this problem but each time they say this is accurate when its not.
Product: Credit reporting or other personal consumer reports

XXXX {$0.00} This account is not mine. I've sent disputes and there wasn't any change. I've recognized this is not my debt. Also, I realized inaccuracies within the account itself that is grounds for immediate deletion. I will also list the credit laws in which this account goes against with the FCRA.

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

15 USC 1681i ( 5 ) ( 5 ) Treat
ment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a 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 consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Mortgage

I just called them to pay my account current it is four payments behind. They refused to accept payments beause they began the foreclosure process. This is my primary residence. I was advised that they needed to get reinstatement figures and would get back to me by Tuesday. 

In addition, they have forced insurance on this loan in violation of 12 CFR 1024.37. I have two other loans in which the violarions are so negligent I hired a lawyer to act on my befalf since those also lead to foreclosure actions.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Equifax and XXXX Credit Bureaus last XXXX XXXX XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have been reaching out to Paypal since XX/XX/2023. They asked for a compliance letter a few months before this issue. I provided it to them. I got the approval, all good email. Then out of no where in XXXX my account gets locked. I see a notice saying I need to provide documentation proving we are compliant now because they don't approve of me selling my product online. ( Which we are compliant with the state, so this is annoying to begin with. ) Other wise my funds will remain locked. 
I had our legal team prepare the official letter and submitted it the beginning of XXXX. Nothing changed with my account 5 days later, so i reached out to them again. I have been contacting this company non stop since. They have a weird glitch going on in the website, saying I have another step to complete, even though it has been completed already. I even had an open tech case with the company, that was closed saying it wasn't a tech problem. Their company needed to " review '' the issue in the backend team. That never seems to do their job I guess. 
I have attached my record of every convo that I've had with them, including phone calls. There's too many to put down in this box. 
All of their employees say the same thing basically every time, " We don't know, we will escalate your issue, our back team has to approve this and you should hear back in 5 days. '' They are withholding money ( {$210.00} ) from my business for regulations I am clearly in compliance for. And have zero intent to do anything about it apparently. This is going on almost 4 months now and Im still getting no where any time soon. Its been over a month since they have even tried to contact me.
Product: Mortgage

PNC Bank services my mortgage loan on my house. I live in Illinois, where " dual tracking '' is illegal. I was being processed for workout options .... ie ... my hardship package was " under review '' .... and yet I was still being pursued in XXXX county courthouse for foreclosure complaint, complaint for default judgement ... etc ... .The same day I was offered a forebearance agreement to sign from PNC bank ... they filed the Complaint for Foreclosure!!! 
Please investigate them.. My case number is XXXX. I filed for a hearing on motion to strike their complaint and their motion for default judgement. Thinking of counter sueing them. Any thoughts?
Product: Credit reporting, credit repair services, or other personal consumer reports

i called Equifax and also sent them a letter requesting for them to investigate open a dispute on the 2 hard inquiry accounts. 
XX/XX/2017- XXXX XXXX XXXX XXXX . 
XX/XX/2017- XXXX XXXX . 
Equifax told me credit inquiries are factual record and that i need to contact the original creditor to remove the inquiry. they are using a stall tactic and is in direct contradiction to my legal rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I went to the car dealership I was told that my credit would only be pulled by one company however multiple companies pulled my report without my authorization resulting in me having multiple inquiries without my consent. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX