23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Credit Management LP XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX AL XXXX Dear Credit Management LP, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting

I received a credit report from Equifax which states I have a level of delinquency on accounts! To my knowledge i have not had any delinquencies!!! I would like this corrected. I am planning on buying a house pretty soon! 

Thank you, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Around XX/XX/year> During the pandemic Chime and XXXX XXXX I was having issues with charge payments to my cards multiple times Also I believe there was wire transfer that were made that I didn't authorize. I contacted chime but all they would communicate with was chime bot. The Following year I spoke with an agent and I collect the bank statements and the spending account and savings account still weren't adding up. I contacted documentatng and contacted IC3 a couple of years ago. When the department of Defense contacted my parents. I told my parents about all of theft and lost and where it began and the root of the problem was chime. Then the second was XXXX XXXX which a financial advisor said that XXXX XXXX is just a tunnel and more pron to being hacked. 
My Main Number which now I know wasn't good to put. Along with my email address.Im still unaware of how they could have done all this and still haven't been caught.Even my Unemployment State funds in NC all of this started around XX/XX/year>. I will recontact you guys with all the damage control information
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I discovered negative credit item, XXXX XXXX, Acct # XXXX, ( original creditor XXXX XXXX ) had been re-inserted into my credit file AFTER they were NOT able to validate it. CRAs are required by the FDCPA to notify me within 5 days of re-inserting a previously deleted account. No such notification was received. Please DELETE this item immediately.
Product: Checking or savings account

Never trust XXXX, a service Wells Fargo Bank offers but won't stand behind. 

Wells Fargo Bank mis-represents their services by stating that consumers have a " Zero Liability Protection Program '' when using their services. Their XXXX Service does not properly disclose that the transfers are irreversible, and also violates CA law by failing to allow a way to cancel an IN process transaction online. 

On XX/XX/15 I had the phone number from my child 's daycare and they requested I pay via XXXX. I entered the phone number as XXXX XXXX instead of XXXX. I sent the request and then let the vendor know the money was on its way. He called me an hour later stating that the money was not there. I went online and the status said Processing. there was no button to cancel the transaction and no information about what to do if I had a problem. I waited until the morning, and then saw that the transaction went through to someone named XXXX instead of XXXX XXXX XXXX. I called Wells Fargo and they said that they would file a claim with XXXX and absolved themselves of any liability. 

They have done nothing to help me recover the funds and won't provide any information about how to contact the person who did receive the funds.
Product: Debt collection

There is an account on my credit report for a National Credit Adjusters for some type of XXXX XXXX thing. I have never taken out any type of check cashing loan so this has to be possibly a same name issue or something but that is not mine.
Product: Credit card

I received a promotional offer in the mail. 
XXXX check said 0 % good till XX/XX/XXXX and the other check was for 1.99 % good till XX/XX/XXXX. The checks had to be used prior to XX/XX/XXXX. The check page stated, the standard fee for balance transfers is either {$5.00} or 5 % of the amount of each transaction. The other page stated there is a {$5.00} or 5 % fee whichever is greater for balance transfer. 
The check page made it appear the fee was for balance transfers. I called Chase Credit Card and said I am not doing a balance transfer, it is for a new Heat pump unit, is there a fee for that type of transaction, she said No. The promo should stated There is a {$5.00} fee or 5 % fee for using these checks!! Its misleading and customer service validated no fee! They say their calls are recorded so I have proof.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX XXXXXXXX XXXX, XXXX. I have included screenshot inside this complaint in on dates of XXXX request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - Account # XXXX Balance : {$180.00} In accordance with the Fair Credit Reporting act 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 a account without my written instructions XXXX XXXX XXXX- Account # XXXX Balance : {$140.00} In accordance with the Fair Credit Reporting act 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 a account without my written instructions XXXXXXXX XXXX XXXX- Account # XXXX Balance : {$140.00} In accordance with the Fair Credit Reporting act 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 a account without my written instructions XXXXXXXX XXXX XXXX- Account # XXXX Balance : {$1900.00} In accordance with the Fair Credit Reporting act 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 a account without my written instructions XXXXXXXX XXXX XXXX Account # XXXX Balance : {$100.00} In accordance with the Fair Credit Reporting act 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 a account without my written instructions XXXX XXXX  XXXX Account # XXXX Balance : {$150.00} In accordance with the Fair Credit Reporting act 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 a account without my written instructions XXXX XXXX  XXXX. Account # XXXX Balance : {$1700.00} In accordance with the Fair Credit Reporting act 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 a account without my written instructions XXXX XXXX XXXX  Account # XXXX Balance : {$370.00} In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Product: Credit reporting

Mortgage note sold multiple time, note was discharged in Chapter XXXX Federal Court beforeCarrington Mortgage acquired it and should have never reported this as negative information on me or my wife 's credit reports, the original note holder XXXX XXXX did that during Bankruptcy. This is causing XXXX extra negative item and must be removed.
Product: Money transfer, virtual currency, or money service

Hello, My name is XXXX XXXX and I've been a PayPal ( PayPal email : XXXX ) user for XXXX plus years at this point, and have been using it as my main payment processor. Earlier this year ( XXXX of XXXX ) PayPal limited my account for the first time and requested that I provide them with in depth transaction details, business information, explain the nature of my business which I did and within next few days my PayPal Account was UNLIMITED and returned to its original state. ( Screenshot will be attached below )! 

6 Months after that ( on XXXX XX/XX/XXXX ) PayPal permanently limited my account once again without any option to appeal it at all. I've tried reaching out through support and e-mails provided to me without any success, I've only been provided template responses ever since, with them refusing to disclose reasoning behind the limitation. 

I'm the owner of a XXXX XXXX XXXX ( XXXX XXXX XXXX ) which provides its clients with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which entirely complies with PayPal 's Policy and Users Agreement. 
( Business Registration and Info will be attached below ) I've been using PayPal as my main payment processor since I started my Online Business ( back in XXXX ) and my operations never shifted, since day one I've been providing the same exact service to all of my clients and some of them have been paying me through PayPal for years which says enough about my business practices. 

I've got a legal entity registered under my name in my Country of XXXX ( Legal Documentation Provided Below ), I'm managing a Legal Business Operation and my business produces on average over XXXX Transactions Per Year with a Chargeback rate of under 0,01 %, and it's been like that for XXXX plus years. 

With PayPal 's most recent actions they froze XXXXXXXX XXXX of my available balance, money can't be sent, withdrawn or used in any shape or form. This is an illegal action since you've already reviewed my account a few months ago and everything was fine. 

So if you already want to part ways with my business you have to allow me to withdraw funds that were on the balance when you initially asked me for my business details 5 months ago. Since obviously according to you everything was fine back then. You are only legally allowed to freeze funds that were made after that period and your review. 

I'm really looking forward to being able to work this out with PayPal and provide them with any sort of evidence they might need since all of my products and services are 100 % legal and don't break any sort of XXXX. 

If PayPal keeps on ignoring my requests like they did until now i'll be more then happy to proceed Legal Action against them and Contact Legal Entities responsible for paypal 's practices! 

Best Regards
Product: Credit reporting, credit repair services, or other personal consumer reports

This company as well as the other company side with credit card company and believe anything the card company tell them over the real truth. Credit card that was issued by XXXX XXXX card was duplicated and many charges made, however despite many attempt equifax, XXXX XXXX and XXXX  report whatever the Credit card company tell them and this is not fair. I plan to start a law suit against the there company and XXXX XXXX XXXX if they dont removed the negative information about being late on payment. I stop making payment because those charges are not mine.
Product: Credit reporting or other personal consumer reports

Theres some misleading information on my credit report, as outlined in 15 USC 16c-2. This error is impacting my creditworthiness, and I did not approve these inquiries.
Product: Debt collection

At the time of this encounter, I was covered by medical health insurance and provided same to the provider at the time of service. Additionally, the provider indicated that they were an In-Network service provider at the time I scheduled the appointment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 4. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 5. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX  6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX 8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX 10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX  Account Number : XXXX Delete this account.
Product: Student loan

On XX/XX/2023, my income driven repayment plan application was submitted indicating REPAYE as the repayment plan. It was not processed despite multiple attempts to contact Mohela. Mohela set my repayment amount to {$1600.00} EVERY MONTH. One of the supervisors submitted an additional request to review my case when I called in XXXX ( on XX/XX/2023 ). However, Mohela put me on the wrong repayment plan after all these months on XX/XX/2023. They put me on income-based plan instead of REPAYE ( federal government changed REPAYE to SAVE plan months ago and does not require additional paperwork for people who were on REPAYE in XXXX to be switched to SAVE ). I called Mohela several times to get this fixed and to be put on SAVE plan with no success. Additional review request was submitted on XX/XX/2023 by someone who I spoke with who said to wait 5-7 business days. It has been 2 weeks since. More phone calls with no success and here we are. It has been so many months since my application was submitted back in XXXX. Now my first payment is due and I am still not on the correct repayment plan. Please switch me from income based to SAVE. 

This is a summary and does not contain additional details like being hung up on after 3-4 hour wait time.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit report pulled without my authority online and without my knowledge. I would like proof of my signature that i gave permission to pull my credit report or have it removed asap. 

I XXXX XXXX XXXX do have a hard inquiry on my credit from XXXX of bmo harris bank thait is fraud that I did NOT authorize by any manner. I have talked to the bank on 3 occasions and they have not removed it. I do not and have never had acct with this company by any means. this is a fraud attempt that they refuse to contact the credit reporting agency to have it removed. XXXX XXXX will not remove without bmo harris bank stating to remove the inquiry dated XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  are reporting inaccuracies and conflicting information in my credit file for the following creditors. XXXXXXXX XXXX and XXXX XXXX. They reported 90 days late past due on XXXX, XXXX XXXX, XX/XX/2021. On XX/XX/2021 Experian decreased my credit score by 97 points due to these 90 days past due from XXXXXXXX XXXX and XXXX XXXX. On XX/XX/2021 XXXX  reported XXXX XXXX and XXXX XXXX 90 days past due and decreased my credit score by 111 points. I dispute the late past due status with Experian, XXXX, and the creditors XXXXXXXX XXXX and XXXX XXXX. On XX/XX/2021 Experian and XXXX  changed the past due late to current on the XXXXXXXX XXXX account. However the status remained late past due on the XXXX XXXX account. However, they did not change my credit score until I called them. When I checked my credit score a few days after speaking with them, Experian increased my score by 45 point and XXXX  increased by 33. Neither credit bureaus increased my score to the number of points that they decreased it to when the late payments past due occurred. On XX/XX/2021 Experian and XXXX  decreased my credit score again and reported 90 days late past due for the same creditor XXXX. Experian decreased my score by 48 points and XXXX  decreased my score by 61points. Neither credit bureaus increased my score to the amount of points that they decreased them on on XX/XX/2021. As of XX/XX/XXXX, both companies edit bureaus decreased my scores again and flagged these XXXX accounts late past due 90 days. This is inaccurate these account have never been late or delinquent. The creditors wrote me a letter stating it was an error and would be deleted. One of wrote me a letter stating they do know have any account in their records fir me. According to the CARES ACT I am protected and none of this should have happened.
Product: Credit reporting or other personal consumer reports

Inaccurate data on payment history. Car is fully paid off. How can a person be late XXXX for 6 months? I demand Consumer reporting agency to show bank statements from creditor that shows my car payment was late fix immediately or delete
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a late payment on my report from XXXX account number that should not be there and I have proof that the company has asked for it to be removed and it hasn't been and im going to attach that proof to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXX XXXX Date opened : XXXX  Balance : {$13000.00}, XXXX XXXX XXXX Date opened : XXXX  Balance : {$2000.00}, XXXX XXXX XXXX Date opened : XX/XX/2016 Balance : {$0.00}, XXXX XXXX XXXXXXXX Date opened : XX/XX/16 Balance : {$0.00}, and XXXX XXXX XXXXXXXX Date opened : XX/XX/2016 Balance : {$0.00}. Please remove.
Product: Credit card

I've consistently made timely payments on this account, ensuring they're never overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you cease all collection activities, including phone calls, emails, and letters, regarding the above-referenced account. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

It is my understanding that [ provide reasoning : e.g., " the debt reported by your agency is inaccurate, '' " this debt has already been paid, '' or " I do not recognize this debt '' ]. As such, I am disputing the validity of this account. 

I request the following information : Proof that I owe the stated amount of {$630.00} to your agency. 
Verification of the original agreement between me and the original creditor, XXXX XXXX XXXX 
If you can not provide sufficient proof of the debt 's validity, you are required to delete any adverse reporting regarding this account from my credit file immediately. Additionally, I request no further contact from your agency aside from legally required written communications regarding this matter. 

Failure to comply with this request will leave me with no choice but to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), my state 's attorney generals office, and possibly pursue legal action. 

Please send any written correspondence regarding this matter to my address listed above. 

Thank you for your prompt attention to this request. 

Sincerely, XXXX XXXX XXXX XXXX XXXX