23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had successfully disputed an account I had in my collection account through XXXX XXXX last month. It was removed due to the amounts being incorrect and me having no knowledge of. Then as of XX/XX/2020, it had reappeared on my XXXX  and XXXX report as an entirely new debt collector. I've been in several attempts in the past to have this removed and have been getting the loop around never gotten followed back up with. Then I learned I could dispute. But it seems it worked then had been reopened and added back. It's becoming very irritating and I'd love for some assistance with the matter. The amount is XXXX and original creditor was XXXX XXXX now reopened in collections on my debt as Southwest credit system.
Product: Checking or savings account

On the date of XX/XX/XXXX at XXXX At the US bank location XXXX XXXX XXXX XXXX XXXX, OR XXXX United States I went through the drive in atm, I was there to deposit cash into the machine. I deposited the amount of {$150.00}. In the form of XXXX XXXX dollar bills, XXXX XXXX XXXX XXXX, XXXX XXXX dollar bill, and XXXX XXXX dollar bill. 

After depositing my money, the screen of the ATM went black. The ATM then printed out a receipt stating A machine error has occurred and we are unable to credit your account or return some of the items you attempted to deposit. Contact your financial institution at the number on the back of your card. 

After receiving this receipt, I called and filed a dispute with the bank. Today XX/XX/XXXX I called about progress on my dispute, they told me they denied my dispute. I then asked them to go over the dispute again because they have taken my money.
Product: Checking or savings account

Wells Fargo Bank XXXX took My debit card and said that I was XXXX using my card because they was letting any and every transaction go thru with out letting me know also and more then a few times I went to use my card and thousands was missing all my money gone and when I went back looking at charges I didn't make they was unfair about the decision they came up with so I just had no money so I filed another dispute for my money back but then they never once called me and told me that my account was over drafted but closed my account for XXXX and when I went to go open my account back cause I need it for my car by payments I paid the XXXX opened the account back and I was supposed to be doing advertising for XXXX XXXX drinks and it was a scam and I tried to deposit the check and it was a bad check and I XXXX hair and XXXX of the customers paid with check i tried to deposit and it wasn't letting me deposit.then they deside to give me as courtesy call they was closing my account because I was trying to deposit checks in my account
Product: Debt collection

I dont own this company anything and the credit bureau are in violation I will be filein lawsuit in 15 days if not deleted Credit Account Numbers : XXXX and XXXX ) from my credit report. This demand follows XXXX 's repeated failure to meet its obligations under the Fair Credit Reporting Act ( FCRA ), despite numerous disputes and clear evidence of inaccuracies. 
Violations of FCRA : 1. Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ) : - How Violated : Despite my disputes, XXXX responded with " verified as accurate '' without providing documentation of verification. Under the FCRA, XXXX is required to conduct a thorough reinvestigation of any disputed information. 
- Penalty : Up to {$1000.00} per violation for willful non-compliance, plus actual damages. 
2. Reporting Inaccurate Information ( 15 U.S.C. 1681e ( b ) ) : - How Violated : Both accounts remain inaccurate, as evidenced by the discrepancies in XXXX 's reports before and after the disputes ( e.g., inconsistent payment history and account status ). - Penalty : Actual damages caused by inaccuracies, plus up to {$1000.00} per willful violation. 
3. Failure to Delete Unverifiable Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ) : - How Violated : Unverifiable information must be removed within 30 days of a dispute. My disputes have been unresolved for over six months without corrections or deletions.

- Penalty : Damages, including attorney fees, and costs for negligent violations under 15 U.S.C.

1681o. 
4. Negligent and Willful Non-Compliance ( 15 U.S.C. 1681n and 1681o ) : - How Violated : Repeated failures to correct or delete inaccurate information and refusal to provide proper documentation demonstrate willful negligence. 
- Penalty : {$1000.00} per violation, punitive damages, and legal fees.
Product: Debt collection

XXXX AND XXXX. ( The agency ) has placed account XXXX on my credit report. The account stems from a XXXX or XXXX utility bill in XXXX. This falls outside the scope ( statute of limitations ) in the FDCPA ( 15 USC 1692 et seq ) and falls outside statute of NEBRASKA limitations ( XXXX XXXX ). The agency can not verify that incumbent lived under the jurisdiction where debt was incurred. The agency ( XXXX ) has violated consumer protection laws and the FDCPA. I have requested the removal of account from credit report to no avail. The agency 's compliance department never returns correspondence by first class mail or phone. I did record all phone calls with XXXX and did document attempts to resolve this with the agency XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a dispute to Experian on XX/XX/2021 and was expecting to have the results of my dispute mailed to me. Experian refuses to mail the results to me. They have sent me multiple emails stating that my investigation results are ready to be viewed " online ''. I want my results mailed to me because I mailed the dispute request to them.
Product: Debt collection

I looked up this number. It is a scam! XXXX Nationwide Recovery Service. 

I DO NOT OWE ANY DEBT!! 

I did not answer, the caller left a 36-second voicemail claiming to be " Nationwide Recovery Service, a debt collection agency attempting to recover a debt and directing the recipient to call the above number. This is an attempt to collect a debt ... this is not a sales or telemarketing call..etc.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to formally dispute the fraudulent account listed as **BRIDGECREST** ( Type : Automobile, Status : Closed, Reported Derogatory ) on my XXXX credit profile. **This is not my debt**, and I demand its immediate removal under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX. 

**Basis for Dispute** : XXXX. **Identity Theft/Fraud** : I have no affiliation with BRIDGECREST, nor have I ever entered into an agreement for an automobile loan or any financial transaction with this entity. 
XXXX. **Inaccurate Reporting** : The alleged XX/XX/year> days late notations ( XXXX ) and Profit and loss write-off remarks are fabricated. 
XXXX. **Lack of Validation** : I have never received lawful validation of this debt, including a contract bearing my signature or proof of legal obligation. 

**Demands** : - **Immediate deletion** of this account from my credit profile. 
- A full investigation into the origin of this fraudulent entry. 
- Written confirmation of resolution within XXXX days**, as required by the FCRA. 

**Legal Notice** : Failure to comply with these demands will compel me to escalate this matter to the Consumer Financial Protection Bureau XXXX CFPB ), the Attorney Generals Office , and pursue litigation for willful non-compliance under FCRA XXXX XXXX
Product: Checking or savings account

XXXX and XXXX charged me for an incorrect billing amount on XX/XX/XXXX for my XXXX XXXX. I do not have a any subscriptions through XXXX. Ive issued other peoples tv ( family ). I was never charged in the incorrect price before. I was later charged on XX/XX/XXXX for XXXX for {$9.00}. I tried logging into my account and was prompted to an hold on my account on XX/XX/XXXX. I contacted a XXXX live agent immediately. Their platform then told me to update my account charging me {$12.00} XXXX times. The person denied that I had an account even though I was logged in. I requested for my money back and/or to be corrected XX/XX/XXXX. I was told that Id get a phonecall in XXXX business days and never heard anything back. I attached the charge because their agents couldnt locate the charges. They are the ones that directed my attention to the incorrect amount but it was merely a sick joke to them in their responses ( XXXX and XXXX agents ). This was a joint call.
Product: Debt collection

I received multiple phone calls from a number a did not recognize. When I answered I was asked to verify my address. I refused to do so and asked for the purpose of the call. The agent did not answer. I asked which company and was told, Harris and Harris. I asked what type of company and told " a financial institution ''. I was asked to verify my name on a recorded line and I hung up. After I XXXX Harris and harris and saw that it was a debt collection agency I called back and spoke to Ms. XXXX. She said they had been calling to collect a debt on behalf of XXXX  for XXXX. I had already discussed this with them in the past and had in fact made the payment directly to XXXX  on XX/XX/2019.

After she consulted with her manager she said they could see I made the payment and she did not apologize and just blamed it on XXXX  not reporting the payment to them - even though she could clearly see the payment was made.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY SECOND COMPLAINT! The first one was submitted on XX/XX/XXXX. 
I am a victim of the hurricanes that happened in XXXX, as well as XXXX. Previously, when I submitted my complaint it was regarding the credit reporting for XXXX  XXXX XXXX and XXXX XXXX. In reviewing a copy of my current credit report I find inaccurate information relating to both these accounts. I have tried contacting XXXX  XXXX XXXX and XXXX XXXX, as well as, speaking to the credit bureaus, Experian, XXXX  and XXXX  regarding this issue. No one is resolving the problem! 
First of all, the XXXX  XXXX XXXX account reflected on Experian was corrected after my dispute to show a charged off, closed account which was last updated in XXXX, XXXX as a charge-off instead of an update in XXXX, XXXX with a separate charge-off for the month of XXXX, XXXX, XXXX, XXXX. Now, today the account shows a status date of XXXX, XXXX with a balance updated XXXX, XXXX and two separate charge-offs for the months of XXXX and XXXX. The report shows a charge-off in XXXX, XXXX but does not show anything for the months of XXXX, XXXX thru XXXX, XXXX, then it shows charge-offs in XXXX and XXXX. This information is inaccurate and confusing! 
Next, XXXX  shows the account as a closed, charge-off account with a status updated XXXX, XXXX and charge-offs on the months XXXX, XXXX, XXXX, XXXX, XXXX. The account is closed. The charge-off was made in XXXX, XXXX. They should not continue to report a charge-off. Re-reporting the charge-off every month is ruining my credit. The hurricanes, the pandemic and this inaccurate credit reporting will end my business! 
XXXX XXXX  just continues to show the account as charged off every month. So far, for the months of XXXX, XXXX, XXXX, and XXXX, XXXX. They did not try to resolve the matter when I disputed it. 
PLEASE SEE THE ATTACHED DOCUMENTS.
Product: Debt collection

On XX/XX/2020, this company added 2 accounts in collections to my credit report. I disputed both of the accounts since I had no idea what they were related to. One account was removed since it could not be verified by XXXX. The second account was deemed accurate. I just received notifications of the outcome from XXXX  today, XX/XX/2020. I proceed to call Aargon so that I can find out what this account is related to. The rep could not provide me with any information that I requested so he stated that he would have to request more information and that he would have to call me back. I told him that I would like a copy mailed to my address on file. He let me know that that was not going to happen since it is personal information. This is interesting that this account is attributed to me but no one can provide me a hard copy. He proceeded to get irritated. At this point, I asked to speak to a supervisor. I was placed on hold, a message came on stating that I need to leave a message and the phone disconnected. I am not sure how I am expected to be responsible for something that is allegedly related to me, but I can not receive information on it.
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting Act,  XXXX XXXX   has violated my consumer  rights.

 15 U.S.C 1681 section 602 A. States I have the right to privacy.
 The credit bureaus have failed to keep my information private.

 15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions. I never gave nobody the permission to furnish anything on my account. So how is this information being reported?

15 U.S. Code  6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. I do not want my information shared with third parties.

15 U.S.C 1681 (2) A (i) the term consumer report does not include report containing information solely as to transactions or experience 
  If this is the case why is my report showing late payments

15 U.S. Code  1666b Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported me as late on a mortgage payment for XXXX / XX/XX/2020. I was not late, my file was in review for mortgage forbearance. XXXX told me not to pay and to wait for their review. This took over 2 months of waiting. We called repeatedly, at least once a week and they said we'd receive a letter, but it never arrived. 

Finally in XXXX 2020 we decided to pay to bring the mortgage current, not wait any longer. 

XXXX has since filed negative info to the credit bureaus, saying I was late. The credit bureaus are not doing anything to correct the mistake, but this is clearly a mistake by XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed fraudulent accounts on my credit report.
Product: Money transfer, virtual currency, or money service

I made several purchases from XXXX ( XXXX XXXX XXXX XXXX ) using PayPal, relying on PayPals Buyer Protection Policy for security. When I encountered issues with my purchases, I followed PayPals dispute resolution process, but PayPal engaged in the following misconduct : 1. Facilitated Merchant Retaliation After filing a legitimate dispute, XXXX banned my account, preventing access to previous purchases. 
This was retaliation for using PayPals dispute system, and PayPal refused to intervene despite multiple reports.

2. Unfairly Denied My Dispute PayPal denied my claim, allowing the merchant to retain my funds while barring me from accessing my purchases.

This contradicts PayPals Buyer Protection Policy and violates 15 U.S.C. 1666 ( Fair Credit Billing Act ).

3. Allowed Harassment & Coercion G2G sent multiple emails pressuring me to drop the dispute in exchange for access to prior purchases.

PayPal refused to take action, violating 15 U.S.C. 45 ( FTC Act ), which prohibits unfair trade practices. 
4. Misrepresented Buyer Protection Policy PayPal falsely claimed that it does not intervene in merchant account bans, contradicting its own policy that buyers are entitled to a refund if they can not access their purchase.

This is false advertising and deceptive trade practices under 15 U.S.C. 45.

5. Pattern of Consumer Harm & Prior Violations PayPal has a documented history of shielding fraudulent merchants and denying valid consumer claims.

In 2015, PayPal was fined {$25.00} XXXX by the CFPB for deceptive dispute practices. 
This establishes a pattern of misconduct warranting regulatory enforcement. 

Legal Violations : PayPals actions constitute violations of multiple federal consumer protection laws, including : 15 U.S.C. 45 ( FTC Act ) Prohibiting unfair and deceptive trade practices.

15 U.S.C. 1666 ( Fair Credit Billing Act ) Requires financial intermediaries to fairly investigate disputes.

15 U.S.C. 1693 ( Electronic Fund Transfer Act ) Mandates fair transaction processing. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( 9th Cir. 2018 ) Payment processors can not enable merchant fraud. 
XXXX v. XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) Failure to enforce consumer protection policies is deceptive and unlawful. 

Requested CFPB Action : 1. Investigate PayPals Dispute Handling Practices Examine how PayPal denies valid disputes and enables merchant retaliation.

2. Issue Financial Penalties Fine PayPal under 15 U.S.C. 45 for deceptive practices.

3. Mandate Policy Reforms Require PayPal to prohibit seller retaliation, enforce fair disputes, and ensure policy compliance. 
4. Issue a Consumer Advisory Warning Warn consumers that PayPal fails to enforce Buyer Protection and allows merchants to retaliate against disputes.
Product: Mortgage

My mortgage payment XXXX. But mostly my payment XXXX I pay but one time a late due to my emergency situation but I pay late payment if after XXXX you pay XXXX Over charges for more than XXXX fees hidden charges take my account I included statement plus online payment picture sow up I need to help for reverse one time late charges or at least small payment if late charges but they take me over
Product: Debt collection

I am submitting this complaint because I am being extremely affected by MECHANICS BANK FKA CRB. 

I had called mechanics bank payoff a full 2 years before loan ending date. 
I got a payoff and paid it off, but supposedly there as a remaining balance I was not made aware of this. I dont receive any calls, and dont received any explanation.

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

Account Name : MECHANICS BANK FKA CRB Account Number : XXXX Account Type : Auto Loan Date Opened : XX/XX/2014 Status Paid, Closed. 

My demand is based on many damages and all the violations that they have committed : I want the deletion of late payment or removal of account ASAP. 

Please sed the attached documentation to this company. 

Thank you.
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. 


Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number:XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Name : XXXX. 

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

I sent letters in XXXX, XX/XX/XXXX XXXX XXXX asking them to verify these bankruptcy accounts, they have sent letters saying the bankruptcies were verified by XXXX XXXX which is false because XXXX XXXX do not have these bankruptcies list on my report. I provided letters from XXXX stating these were removed in XXXX of XXXX because they could not verify that these belonged to me. Experian, XXXX and XXXX are continuing to report false information on my report which is hindering me from buying a home and getting the credit I need to better my life. I have sent in letter from the courthouse several times stating the information is indeed not being verified by them.. A rep from XXXX even told me I need a lawyer to sign the letter from the courthouse! XXXX have disputed the information in my behalf from the credit bureaus telling them they are not reporting this information but yet all the CBA are falling saying XXXX are verifying these accounts. Ive called several times and asked them to remove them from my report and the lie and say they are being verified, even after they see the letters I sent! I want these bankruptcies removed from my credit report.
Product: Debt collection

The account just appeared in my credit I have never received ANY written notice prior to being listed to my credit, also I have made several attempts to complete ID theft and they still have not sent verification of debt
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found hard inquiries that I don't recognize as mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of an account by XXXX XXXX on my credit report. Despite my previous dispute, your bureau has failed to provide validation or evidence proving the accuracy of this account. 
Accounts : XXXX, XXXX, XXXX, XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), you are required to reinvestigate disputed information to ensure it is accurate and verified. Additionally : 15 U.S.C. 1681s-2 ( a ) requires furnishers, such as XXXX XXXX, to provide evidence supporting their claim that the debt is valid and that they have the right to collect. 
15 U.S.C. 1681e ( b ) requires your bureau to maintain procedures that ensure the accuracy of the information you report. 
In this case, no validation or chain of assignment has been provided, and the debt remains unverified. The lack of proper validation or verification of this account indicates a violation of my rights under the FCRA. 

Requested Action : Remove this unverified account from my credit report immediately. 
Provide written documentation of your reinvestigation and the evidence you used to verify the accuracy of the account. 
If this account can not be verified in compliance with the FCRA, it must be deleted from my credit report. Failure to act promptly may result in further regulatory complaints to the CFPB, FTC, or legal action for violations of my rights under the FCRA. 

Thank you for addressing this matter. I expect a response within the timeframe required by law