23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I have made several attempts to settle this issue but to no avail, then I contact Walmart after checking my statement to find PayPal credit illegally posted a transaction in the amount of XXXX as an order I made on XXXX. I contacted Walmart, there is no order showing on that date on my account. Also, refunds from Walmart were returned to PayPal, no adjustment been made to the proper transactions, enclosed are documents Walmart refunded XXXX towards XXXX XX/XX/2021, promotional expiration date Walmart refunded XXXX towards XXXX XX/XX/2021, promotional expiration date. 
PayPal already have these documents
Product: Debt collection

I do Not owe any medical collections and I have not been contacted by this agency and needs to be my credit report needs to be fixed ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer reports and noticed that I have 9 late payments on an account that I was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account : XXXX # XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they would be as I was never late. Thanks.
Product: Mortgage

How can you guys stopped on my forbearance without informing me? 

I am impacted by Covid, and last year I evicted two tenants, I am facing Covid financial hardship. 

I see that you guys stopped by Forbearance and put my loan in default without informing me in anyway. 

On top of that you have put a legal fee of {$6900.00}, plus an inspection fee of {$30.00}, plus late fee of {$120.00}, how can you do that, when I am facing financial hardship. ( please see XXXX statement attached which I was just able to download ). 

I was not even able to login and see any of the paperwork from a long period time, it was just day before yesterday, I was able to login and see my statements and letters. 

You guys blocked me from accessing anything online. 

I also received this Loss Mitigation in the mail. 

I have a Covid Hardship going on. so please apply forbearance retroactively, waive all the late fees, inspection fee and legal fees. 

Please waive all this fee and continue with the forbearance. 

This is harassment and nothing else I called the customer service yesterday and today but there is no help.
Product: Mortgage

My mortgage loan was slod to Specialized Loan Servicing around XX/XX/XXXX by XXXX XXXX Bank. Since than I have asking for records and filed dispute in writing and on the phone. I have also file complain with Attorney General of XXXX. I have also field complaint with CFPB as well. 
On XX/XX/XXXX I received notice dated XX/XX/XXXX, I received notice from XXXX XXXX XXXX XXXX whose address XXXX XXXX, TX XXXX, XXXX XXXX. Phone number XXXX. I have been informed my mortgage loan has been sold them and I have until XX/XX/XXXX to respond. 

On XX/XX/XXXX I received notice dated XXXX XXXX, XXXX from Specialized Loan Servicing whose address is XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX phone number XXXX. Notice states my multiple and multiple requests to provide records since XX/XX/XXXX need extra time. I am informed in this notice I should get response soon. 

Again on XX/XX/XXXX I received second notice for demand payment, workout solution and so on. 

XXXX XXXX XXXX has not resolved any disputes material of facts since XX/XX/XXXX. Unlimited amount of email and letters sent with many phone calls. I have not been provided information. Now loan has been sold and I must work with XXXX or XXXX different entities. I can work with many entities in less 6 months time and is the owner of the account I do not know this. 

Who to file dispute I do not know? 
Who asked records I do not know? 
Who to makes payments etc., I do not know?
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXXXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXXXXXX, 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 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 on those accounts 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. XXXX XXXX XXXXXXXX, 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX  illegally reported XXXX XXXX to all credit reporting agency resulting in damages to me the consumer and my credit report and violate my privacy according to the Privacy Act of 1974 and faild to report pay as agreed when payment was made in full and wrongfully charge off the account and closed it even when the account is showing open
Product: Credit reporting or other personal consumer reports

( XXXX ) XXXX  you have No Standing in using my identification. 
( XXXX ) XXXX  your note is not binding because it was not completed in a federal lender who orginates federal student loans website required for electronic signatures by the U.S. Department of Education and the Higher Education Act who governs the federal consolidation loan and for other important issues.

( 3 ) Transuion do not send my complaint to any agenies. XXXX just you mentioning this in your letter violatates the Fair Credit Reporting Act for accuracy in reporting. XXXX remove Nelnet student loans off my credit report in 4 days. 

( XXXX ) Nelnet I sent a complaint to the Michigan Attroney General Consumer Protection Complaint and Nelnet responded with tell her to contact the Default Resoution Group.. XXXX  just XXXX mentioning for me to contact that agency violates the Fair Credit Reporting Act for accuracy in reporting on my credit reports I will not be contacting ED Default Resolution Group . 

Nelnet your note was terminated XX/XX/2023 for not being done in the federal orginator lender website and other important issues. XXXX  remove yourself off my credit reports immediately with in XXXX  days.
Product: Debt collection

I have a collection on my account from a fraudulent XXXX XXXX XXXX account. Someone ordered phones and racked up XXXX dollars in my name. XXXX XXXX XXXX would not listen to me even though it was obvious i never used the account. I have tried getting deleted but have not had success but i am not paying for a fraudulent account. Please help me to get this removed from my credit report.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, TransUnion, XXXX is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, TransUnion, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Checking or savings account

I was deposited a check in one of the branch of Bank of America ATM locations and l got this Check from my mortgage insurance companies for my home roof maintenance however the bank not want to deposited my Check in my account so that I cant do my roof maintenance and l need my check to funded in my account soon. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX ( Original Creditor : TEXAS XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX TEXAS ) XXXX Balance : {$260.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$440.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  TEXAS ) XXXX Balance : {$260.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$440.00} ( Original Creditor : ) XXXX Balance : {$150.00} ( Original Creditor : ) XXXX Balance : {$190.00} ( Original Creditor : ) XXXX Balance : {$200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX Balance : {$680.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$590.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$930.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

American Credit Acceptance account # XXXX is reporting inaccurate information to the credit bureaus. After reviewing my account I see that the account has been re age. According to the report with XXXX they have my first day of delinquency in XXXX of XXXX, and have a time to be remove from my report on XX/XX/XXXX. XXXX  and XXXX  has my acct show to be the first day of delinquency XX/XX/XXXX. This is truly inaccurate. XXXX has my account to that it will be on my account until XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following accounts were not authorized by me. Furthermore, I have NOT received a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend to pursue litigation in this matter to enforce my rights under the FCRA. I demand the following unauthorized accounts be verified or deleted immediately. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am registering a complaint against PayPal Credit services for potentially fraudulent handling of my PayPal Extras MasterCard ending in XXXX. For the billing cycle ending XXXX/XXXX/2016 with a balance of {$500.00}, I had mistakenly paid the bill twice. The initial payment was submitted electronically via my bank to a previously closed PayPal credit card, then upon receiving an email from PayPal that my balance was still outstanding, I proceeded submit payment again via the PayPal website only realizing later what had happened. Almost 5 months later, after multiple calls and a myriad of excuses, I have yet to receive either a refund check or a credit to my active PayPal account.
Product: Credit reporting or other personal consumer reports

I checked my credit report & seen an account that does not belong to me. I filed an identity theft report. I disputed the account with you on the app but the account was verified. 15 USC $ 1681c-2 states any account identified as fraud should be removed. The account is XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a letter to the Transworld Sytems to validate debt. The debt amount was for {$1100.00} to XXXX XXXX, from XXXX. They received the validation letter on XX/XX/XXXX. They Never sent a letter back to validate the debt. When I called them they continued to hang up on me. Then gave me the run around and then hang up on me again. They have failed to removed the debt after not responding within 30 days.
Product: Debt collection

Synchrony Bank issued a XXXX XXXX for Cancellation of Debt on a debt they listed ( inaccurately ) as charged off in XXXX and which was litigated in court in XXXX - verdict for me noting that my payment constituted payment in full of the debt. They are intentionally harassing me for a debt they know has been paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance to Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. The credit Bureaus stated my account was properly investigated but how is that possible if the open inaccurate, the date last active is inaccurate, and the date last reported is not accurate. The ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail
Product: Bank account or service

I hold a checking account with Capital One Bank that has an associated overdraft credit account. 
Both accounts have been and are in good standing for over 20 years. 
Out of the blue, I receive a letter from Capital One stating my overdraft account has been cancelled because of a dispute I am having with one of their competitors. 
I reiterate, my Capital One checking and overdraft accounts are both current and in good standing. 
Is this not a case of collusion and antitrust? 
At the very time when one might need to be balancing funds between one bank to fight another bank, they collude and pull the financial carpet from under you.
Product: Money transfer, virtual currency, or money service

I have repeatedly reached out to cash app in regards to my account. I informed them of several fraudulent charges that occurred on my account within a week when I was in and out the XXXX. They credited my back a portion of my claims but refused to reverse 4 charges. I asked for a detailed explanation into their investigation into these fraudulent charges and all they did was supply me with a one page paper showing the charges. I am fully aware the charges were made but they did not complete any type of investigation and just denied my claim. I am just requesting my additional missing money because I was victimized and lost my money due to fraud or a scam. They have since replaced my card but still have not returned my missing funds. They refuse to acknowledge my messages or provide me with actual proof that these charges were made my me and are not fraud. I just want my missing money back. my cash app name is XXXX. I am just asking them to either do their job or return my missing funds.
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 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 These accounts have 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 person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Good afternoon, I opened a checking account at PNC Bank XX/XX/2018. I used my credit card to charge a required opening deposit ( For {$2000.00} ). I have not recieved a " telephone PIN '' that is needed to access the account through online banking. I was supposed to recieve this PIN via the mail. I spoke to customer service last week and they said they have not received my signature card, which I sent already. They said they would send me another copy via mail to sign and send back. 

I just spoke with customer service and they said I can't access my account and I need to wait for an " investigator '' to call me and I can't access my own money. I have followed all required procedures to open my account and PNC bank is holding my opening deposit and account hostage.
Product: Credit card or prepaid card

I filed a dispute over my one and only charge I made on this credit card on XX/XX/2017 for {$300.00} ( cost of my insurance deductible ). The dispute was regarding faulty repair services that were received at a dealership ( this is a XXXX credit card ). 

After I filed the detailed dispute ( I also filed a complaint against dealership ), I was told it would be handled and I would receive correspondence. Weeks went by and nothing happened. Via online chat, I inquired about the dispute and was told to continue paying my bill monthly. I did and it's been paid off in full with no balance since. 

I never received any e-mail or postal mail correspondence regarding my dispute from beginning to end. They never did anything at all.
Product: Money transfer, virtual currency, or money service

Around XXXX of 2020 {$1500.00} was Stolen from my Zelle account. When I reported this to Zelle they said there was nothing they can do because the transaction was already complete. I gave them the name of the number it was sent to as well as the amount of {$1500.00} that was taken. Shortly after I was locked out of my account and could not use Zelle anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$2.00} XXXX XXXXXXXX Balance : {$420.00} XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$5800.00} XXXX  XXXX XXXX : {$2.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX 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 Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX