23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to dispute certain personal information appearing on my credit report maintained by your bureau. 
Upon reviewing my credit report, I noticed discrepancies in the personal information section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. 
Below is the personal information that needs to be reviewed and potentially removed or corrected from my credit report : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Balance : Balance {$630.00} Date Opened : XX/XX/XXXX Account Name : XXXX, XXXX Account Number : XXXX Balance : {$8800.00} Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Closed. {$10000.00} written off. 

Account Name : XXXX XXXX  Account Number : XXXX Balance : {$0.00} Paid, Closed. 
Date Opened : XX/XX/XXXX I'm aware section 609 requires you to have a contract bearing my signature verifying that the debt truly belongs to me. Please show me this documentation otherwise delete this unverifiable account from my credit. 
After you have finished my request, send me a copy of my credit report reflecting these changes.
Product: Mortgage

The mortgage company is shellpoint financial { using a different name.
first of all they are incorrectly reporting my modification on my credit report it is suppose to start over but it did not. I received a modification for a high amount than the original loan and they are still putting payments toward 2014. I fell behind again in payment since XX/XX/XXXX which was my last payment and wanted to pay twice a month but the company will not allow it. my next option is to file bankrupsy. The original loan modification has additional hidden fees that should not be there and you can not reach anyone In the customer service or the whatever team.
Product: Debt collection

I found out about an alleged debt of {$230.00} placed on my credit reports ( XXXX, XXXX, XXXX ) on XX/XX/XXXX from Diversified Consultants stating I was delinquent on a balance from XXXX XXXX from XX/XX/XXXX. I have had no previous actual or attempted contact with Diversified Consultants before this showed up on my credit reports. 

I contacted XXXX XXXX directly and they assured me that they had record of appropriate payment information on record and that this is their error and should not have been placed in collections and that it would be recalled. 

I contacted Diversified consultants and they advised that they would not remove the collection, only update it as " paid '', regardless of the circumstances and the errors being on their side. I even offered to pay to remove this false and damaging collection from my credit report and pursue contact XXXX XXXX directly for a refund in leiu of moving forward with a federal lawsuit against them as that would be the cheaper option, Diversified Consultants declined. 

In my opinion, this is a shameless money grab, targeted a ruining peoples lives and reputations. I believe my rights in FDCPA and FRCA have been violated.
Product: Credit reporting or other personal consumer reports

I requested to opt out of all third-party data sharing and reporting. Please suppress my information from future use and remove it from active databases. 
Your agency is obligated to comply with the following federal mandates : 15 U.S.C. 1681b ( a ) Limits use and disclosure of consumer data to permissible purposes only.

15 U.S.C. 1681e ( a ) Requires you to maintain strict procedures to ensure lawful and accurate use of consumer data.

15 U.S.C. 1681g ( a ) ( 1 ) Grants me full rights to request and receive a disclosure of all personal data you possess.

15 U.S.C. 1681c ( a ) Prohibits retention of obsolete consumer information beyond federal limits.

15 U.S.C. 1681i ( a ) ( 5 ) Restricts reinsertion of any previously deleted data without certification and written notification.
Product: Credit card or prepaid card

On XX/XX/XXXX my credit card ( issued by Barclay Bank ) was fraudulently charged {$790.00} twice on the same day by XXXX XXXX XXXX XXXX. Totaling {$1500.00}. I called Barclay and the first time, they did nothing. I called again, and they said I never registered a complaint. This second time, I received a letter telling me that I was not responsible for the charges and that my account would be credited. It was. I closed my account and the bank issued me a credit but only for {$1200.00} not for XXXX. After closing my account, the bank sent me a check for {$1200.00}, not XXXX. I later received a statement for the period of XX/XX/XXXX - XX/XX/XXXX and they put the XXXX XXXX Charges back onto my closed account for {$1500.00} and send me a bill! It has been XXXX months since the fraud happened, they told me I was not responsible, took the charges off, I closed my account. They sent me a check for the balance but it should have been for the fraud amount. They did not refund me correctly to begin with and now they are charging me for the fraud. They have insurance and should be handling this.
Product: Student loan

I applied for the forgiveness loan and was approved for it but each month Im still getting emails on a late payments.
Product: Student loan

I was three years into a fully funded Clinical Psychology doctoral program and Sallie Mae drained my bank account to negative - {$1500.00} leaving me stranded on the way to see a client as part of my doctoral clinical training. Needless to say, I did not make it to see my client that day who was struggling with a myriad of depressive symptoms. I was forced out of my doctoral program and am now stuck at a cieling I should never have hit due to their oppressive policy of not making accomodations for what is typically a 6-8 year program. Because it had been 4 years since completing my undergraduate degree, they did not care that I was on the way to being an expert in my field. I ended up turning to alcohol for relief which led to my entry into a rehab facility and left making the tough decision to forfeit my position within the class of 6 doctoral candidates that were selected from a pool of more than 1000 applicants ( a highly competetive and nearly impossible feat for a first generation college graduate in my family ). 


Sallie Mae encouraged me to default on my student loans so that I would qualify for income driven repayment following the first incident which tanked my credit and now I am sitting on {$100000.00} dollars of debt with the company and the income driven repayment plan is no longer in effect. I landed on my feet and work at a non-profit making {$82000.00} a year which is a fraction of what I would be making had I not had my career destroyed and path to success disrupted by such nefarious practices. I don't qualify for car loans, mortages, etc. While it may seem like I make a decent amount of money, I am paying at minimum 12 grand a year and barely scratching the interest accumulating on these loans. 

It's frankly criminal. I want to do things the right way, but it seems to me the only people being rewarded by class action law suits are the people who refuse to pay. If I were to refuse to pay my loans, I would not be eligible to work at the non-profit where I am currently employed and likely homeless. I have no savings, and barely get by between an outrageous car payment, rent, insurance, and food. What kind of backwards society sits by and watches bright young minds get crushed by big corporate swinging golf clubs as easily as they destroy dreams and the potential of a better world fostered by individuals with more intellect than their spreadsheet paper pushers will ever dream of having.
Product: Credit card or prepaid card

Netspend.comisascam,iboughtprepaiddebitcardfor{$100.00}fromthemonXX/XX/XXXX.

Customerserviceislieinganddoesn'tmetohavemymoney.DebitCardwaspurchasedfromnetspendfromXXXXXXXX.

Netspendwon'tgivememoneyfrommycard.

"XXXX''XXXXXXXXTexas.

Card#=XXXXexpiration=XX/XX/XXXXXXXXXXXXXXXX
Product: Debt collection

ORION CAPITAL SOLUTIONS IS ATTEMPTING TO COLLECT A DEBT THAT IS NOT MINE. I HAVE RECIEVED NUMEROUS HARRASING PHONE CALLS FROM THIS COMPANY WHO DEMANDS I TELL THEM WHO I AM WHEN THEY CALLED ME AND REFUSES TO PROVIDE VALIDATION OF DEBT OR CEASE AMD DECIST AND AMOUNT ALEGADLY OWED WITHOUT VERICATION OF DEBT
Product: Debt collection

This debt is disputedIt has also come to my attention that you are in violation of XXXX XXXX Code XXXX - Unfair practices ( XXXX ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees. It is to be noted that there are XXXX addresses on the XXXX letter received. 

XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. Phillips & Cohen Associates , Ltd . 
Mail Stop : XXXX XXXX XXXX XXXX XXXX, DE XXXX. Phillips & Cohen Associates , Ltd . 
XXXX XXXX XXXX XXXX, DE XXXXListing XXXX addresses on a letter and expecting an unsophisticated consumer to correctly deduce which address a response needs to be sent to causes unnecessary confusion. Does the consumer respond in writing with the cost of postage to XXXX of the addresses, XXXX out of XXXX of the addresses or all XXXX of the addresses? In addition, this practice causes unnecessary expense if the consumer is required to respond to all XXXX addresses. These additional costs can be rather high if the correspondence is XXXX. registered or certified, and if not XXXX. registered or certified it might be possible for this debt collector to claim never receiving a response. An internet search reveals that XXXX XXXX XXXX, XXXX serves as the President and Chief Operating Officer of Phillips & Cohen Associates, Ltd. with the same address as Phillips & Cohen Associates, Ltd., XXXX XXXX XXXX, XXXX, DE XXXX ; therefore, I 've sent XXXX correspondence to XXXX XXXX XXXX, XXXX. at above said address and XXXX correspondence to Consumer Financial Protection Bureau, XXXX. XXXX XXXX, XXXX, XXXX XXXX by XXXX by standard mail ; to report this disputed debt and violation of XXXX XXXX Code XXXX ( XXXX ).
Product: Vehicle loan or lease

On XX/XX/18 I was told by XXXX XXXX at XXXX XXXX XXXX  that I could trade in my vehicle & only bring in {$300.00}. Since I have a loan with them anyway & excellent payment history, it would be no problem to trade in my car. Once i got to the dealership, I was told because I have an upcoming court date - they were unable to approve me. I never received a letter of denial of credit. After several emails asking about the letter, I finally received a letter on XX/XX/2018. Reason for denial was unsatisfactory background? How can a subprime lender get away without disclosing they pull your background report & deny a trade in - which I got from them.
Product: Checking or savings account

The IRS has attempted several times to deposit my stimulus check into my Bluebird account, but Bluebird rejects it every time with a message to contact the IRS. Contact the IRS?? Seriously?? Why won't they deposit my money??
Product: Credit reporting or other personal consumer reports

Dear CFPB, I recently received a copy of my (, XXXX, Experian XXXX, ) credit report and I noticed some transactions posted on my credit report that is excluded by federal laws to my consumer reports ; XXXX, XXXX, Experian, They reported my account as LATE in the month of XX/XX/2023 - XXXX - 60 days Names of the accounts : - - XXXX XXXX XXXX Account numbers : - XXXX Your company is in violation of the FCRA and Metro2 Compliance and reporting violation.

15 USC 1681 a ( d ) [ 2 ] ( A ) ( I ) ( 2 ) Exclusions. - except as provided in paragraph ( 3 ) the term consumer report does not include - ( I ) report containing information solely as to transactions or experience between the consumer and the person making the report ; On XX/XX/2023 you reported transactions from XXXX XXXX XXXX, Account Number XXXX my consumer report. The above section 15 USC 1681a ( d ) [ 2 ] ( A ) ( I ) clearly states that transactions between the consumer and the person/corporation making the report is not included on the consumers report yet you are reporting this information to my consumers report! 

The reporting of excluded information pursuant 15 USC 1681a ( d ) [ 2 ] ( A ) ( I ) to a consumer report is clear violation of Metro2 Compliance!

Provide me with a Metro2 Compliance disclosure on reporting transactions to a consumer reporting agency.

I need the transactions reported as Late Payment on XX/XX/2023 DELETE it from my consumer reports effective immediately. 

Now before you think to reply with validated. let 's be clear I am not asking you to validate or verify anything so don't respond telling me that to waste my time. 


Further more 15 USC 1666b ( a ) ( A ) Time to make a 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. 

I need the above transactions deleted from my consumer reports! 

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

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX Date of Inquiry XX/XX/year>
Product: Mortgage

XX/XX/2019 MY COMPLAINT IS ABOUT MONTHLY INTEREST RATES FOR THE LAST 6 MONTHS THE PROBLEM IS THEY ARE TO HIGH OVER 800 DOLLARS A MONTH I WAS TOLD THAT IS WHAT I SIGNED UP FOR NASTY REMARK MY CURRENT AVAILABLE LINE OF CREDIT GOES UP 200 DOLLARS A MONTH ITS A BIG DIFFERENCE NEED HELP WITH THAT THE NAME OF THE COMPANY IS XXXX THE PEOPLE INVOLVED WHO EVER PICKS UP THE PHONE
Product: Mortgage

We began the loan process with Pennymac to open a home equity loan on our primary home. The purpose of the loan was to obtain funds to put a down payment on a second home. We were assured by XXXX XXXX that this was acceptable and we started processing the application. We provided all information. We were informed that, during the process, their guidelines changed and we were no longer able to open a home equity loan for this purpose. They did, however, offer to let us do a cash out refi on our mortgage which would effectively double our interest rate. This was a bait and switch scam. They changed the rules after agreeing to the purpose and intent of the loan. This is the very definition of an unfair lending practice. There was no other reason to deny our loan other than an opportunity to squeeze more money out of us.
Product: Debt collection

As of XX/XX/year> a collection appeared on my credit report for {$700.00}. I am an XXXX XXXX XXXX XXXX currently on an XXXX month XXXX in XXXX as of XX/XX/year>. I did not receive any notifications about the alleged debt. According to Law FRCA Section 605B it is illegal to report information on my credit report without my permission. The debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score has been showing no score since XXXX. I have four years and four months of credit history and have been trying to contact XXXX XXXX, Experian, and XXXX regarding this error to no avail. I have paid XXXX XXXX to look into the matter ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), but this did not help. XXXX XXXX is of no assistance and the name on my account has been incorrect since XX/XX/XXXX. I have tried email, phone, and mailing the documentation for the name change and I get no response. How can I have over four years of credit history, with a XXXX score in XXXX, and then the score disappears and the history remains?
Product: Credit reporting or other personal consumer reports

This morning, I was alarmed to see inaccurate accounts suddenly appear on my credit report, and I can't understand how this happened. I routinely check my credit report, but this time, unexpected discrepancies showed up. I even tried refreshing my browser, hoping it was a glitch, but nothing changed. The inaccurate accounts remained, which is why Im urging that the documents Ive provided are reviewed carefully to resolve this once and for all.
Product: Credit card or prepaid card

I closed my XXXX account in writing in XX/XX/XXXX because I lost my job. XXXX automatically put thru a fee for having their " premium '' account in XX/XX/XXXX. I was then charged late fees and interest on a closed account. I called in XX/XX/XXXX to confirm closing account and was verbally told all charges were credited off the account. I continued to receive late charges and fees and called both Comenity and XXXX to confirm account was closed XX/XX/XXXX and neither entity would issue credit for the premium fee, interest and late fees on the closed account. They continue to argue that I made a purchase XX/XX/XXXX, which was the " premium '' account fee. I never reopened the account so I should NOT have been charged a fee and I DID NOT make any type of purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017, it was made public that Equifax had a major security breach that compromised about 143 million U.S. customers. As a result, I have reason to believe that I have been impacted and my credit may suffer for it. It is absolutely unacceptable that Equifax knew about this for months in advance before making the news public, during which time executives at Equifax sold shares before the hack was announced ( which could be considered illegal insider trading ). Over a third of the entire country has been screwed over by this company and that is absolutely horrendous.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was opened which exceeded its {$300.00} limit with a total charge of {$530.00}.
Product: Student loan

Hello, I contacted fedloan servicing about reconsolidating my student loans to include newly acquired student loan debt in 2019. At that time, I was told that the number of payments that I had already contributed towards my public service student loan forgiveness program would continue to count towards the XXXX necessary payments in order to qualify for forgiveness, even if I reconsolidated and added more loans. However, I was told about two weeks ago that because I reconsolidated, the loan payments I made prior to 2019 would not longer count because of the reconsolidation. The only reason why I reconsolidated was because of that erroneous information. Now, they are telling me I'm back at square XXXX with my payments towards the Public Service Student Loan forgiveness because of that misinformation. Can anything be done so that I can have the payments I have already made and recertified count towards my XXXX payments at this point, considering that I was given wrong information. I am prepared to pursue legal action, however, my lawyer says that your organization is my first step.
Product: Debt collection

I hope this letter finds you well. I am writing to address an important matter concerning inaccuracies in my credit report. Upon reviewing my credit history, I have identified late payments that I believe are inaccurately reported. I am seeking your assistance in either removing or correcting these late payment entries promptly. 

I understand the significance of maintaining an accurate credit history and its impact on my financial standing. I am committed to ensuring the correctness of the information reported on my credit file. 

XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service. XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I respectfully ask that this problem be thoroughly investigated and that the erroneous late payment entries be removed or corrected from my credit record. For me, it is vital that my credit history fairly represents my sense of fiscal responsibility.
Product: Vehicle loan or lease

DEAR UNITED CONSUMER FINANCE ; I was shocked TODAY when I reviewed my credit report and found late payment on the dates below : XXXX AND XX/XX/year> .... 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt collection

I sent a letter on XXXX XXXX certified mail asking for a validation of the debt. Veros responded back and couldn't locate a account.
Product: Debt collection

Received a call from XXXX stating that they have a warrant for my arrest for a loan that I defaulted on back in 2013. The caller stated that in order to resolve this matter I can speak with the third party company and try to resolve the issue. I received the # XXXX and spoke with XXXX XXXX, at Alternative Dispute Resolution. She informed me that I owed {$1300.00} to XXXX XXXX XXXX XXXX and they want it in full. I informed them that I did not have that type of money to pay in full nor do I recall taking a loan out with this company. She then placed me on hold for 10 min. Returned to the phone to inform me that she can accept XXXX payments. I was then transferred to XXXX in payment processing. XXXX informed me that the only payment that would be accepted was XXXX and bank to bank transfer. the XXXX info that was given was XXXX XXXX XXXX XXXX, NY XXXX. Ref # XXXX my acct # was XXXX. This is the second call that I received from this company. I made the mistake of sending them {$750.00} via money gram before. This is why I am making everyone aware of this company. They refused to give me the company 's telephone number and stated that I can just see them in court.
Product: Money transfer, virtual currency, or money service

The company I am filing the report against is PAYPAL. 

1 ) My friend delivered a baby in XX/XX/2020. 
2 ) I used PAYPAL to transfer money on XX/XX/2020 to my friend on this occasion. 
3 ) PAYPAL put that transaction as pending. PAYPAL withdraw the funds from my bank account and refuses to pay it to my friend until i submit the required documentation. 
4 ) Their required documentation is to upload child 's birth certificate in order to release the funds that they have already withdrawn from my bank account. 

Why would anybody upload a friends child 's birth certificate to be able to give gift funds? 

5 ) i requested them to cancel the transaction.

6 ) they continue to ignore my request and ask me to upload the child 's birth certificate in order to do anything with the funds they are keeping. 

Not sure how many such incidents have occurred and how much money PAYPAL is holding from people and making money on our money.