23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Paypal claims that I submitted a chargeback and is billing me XXXX to cover the XXXX chargeback amount, plus a {$20.00} fee. They have sent me emails saying " this is an attempt to collect a debt '' but they refuse to verify/validate the debt or provide any evidence that the debt is actually mine. I did not file a chargeback, and have asked them to dispute within theb30 day window, despite them not advising that the 30 day window was there. I asked for a written validation of the debt with an itemized list of what was being charged, and why they believed I owe it. Paypal refused to provide validation saying that they do not have a way to provide that information. While I wish this could be explained through a scam company, all of this transpired directly through the paypal app 's secure message center. They refuse to verify the debt, or allow me to dispute it. They have also forcefully taken the money they claim I owe from me, without my consent and refuse to return it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of obtaining a VA Home Loan. 
Loan application pulled credit Reports from XXXX XXXX, Equifax The Equifax report and credit score were blank. No Credit history was displayed. 

I called Equifax on XXXX to find out if there was a credit freeze. Was informed NO, that is not the problem. There is no information on my credit file. Person on the phone said that none of my personal answers matched the information they had on file. 

XXXX ID : XXXX informed me to send photocopies of Driver License and Social Security Card to Fax XXXX Include cover letter with name, address phone # and reason for sending fax. It would take 5-7 days. 
I sent fax on XXXX XXXX XXXX Called on XXXX to inquire if my credit file was fixed. Equifax rep told me yes, we will send you a copy in the mail. I accessed my file on-line and it is still blank. 

Called again on XXXX. Was informed by Equifax representative XXXX ID : XXXX, that there is no record of my faxed information. I should have put Attention Dispute Department on my Cover letter. I should send the fax again. 

I am getting the runaround trying to obtain my credit file from Equifax. This is holding up my VA Home Loan.
Product: Checking or savings account

On XX/XX/23 i purchased a white shirt for {$55.00}. As of today the shirt has not been delivered and the company ( XXXX XXXX ) has not responded to multiple inquiries of mine. I went to a Truist branch on XX/XX/23 to inquire about this transaction and was told to give it a few more days and if the shirt was not delivered than to file a dispute. I waited until XX/XX/23 and I filed the dispute as instructed by the Truist representative. I now know that I was provided incorrect information by Truist because according to Regulation E, I must submit this dispute within 60 days of my statement date of the trans which was XX/XX/23. The teller misled me and it has now been more than 10 business days since my dispute of non-receipt of merchandise and Truist has not decisiones the dispute or provided me provisional credit.
Product: Credit card

account taken over and breach of contract, with eLigible baLance kept after cLosing acount, ruLes that no charges on the account in event of IDtheft, but was ignored and impLied my family maybe invoLved? plus gave it to third party!
Product: Mortgage

The company servicing my loan is Select Portfolio Servicing. I have had many issues with this company during the servicing process dating back many years. I am trying to get information from them the Mortgage Trust they are attempting to collect on. 
The trust is held by XXXX XXXX XXXX XXXX, being serviced by Select Portfolio, yet the payments apparently are being dispersed by XXXX XXXX. All of these banks have recent court rulings againt them as far as Mortgage Trusts are concerned. 
My mortgage is part of the XXXX XXXX XXXX XXXX held by XXXX XXXX. I am attempting to find information on the actual trust. Through my own research I can find no information on this trust past 2006. I have searched FDIC site as well as many others. 
I have talked with people at XXXX XXXX  that should have direct knowledge of the trust and they referred me back to XXXX XXXX who supposedly disperses payments for the trust. XXXX XXXX could tell me nothing. When I talk to Select Portfolio and  try to gain information on the trust they seem to know nothing about it as well. 
I have verbally requested info on this over 30 days ago and spoke with the Ombudsmen office today and still got nowhere They have accepted me into a payoff plan, which they only gave me less that a month to accept, I told them I needed the information on confirmation that the trust actually exists before I can start making payments. It is only common sense that you don't pay things when you have no idea where your money is going. Deadline to accept the plan is this Monday the XXXX and they will now extend it for me. They have also set up a foreclosure date even before they knew if I was going to accept the plan or not. The foreclosure date is for XXXX XXXX.
Product: Credit reporting 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.

, has violated my rights. 
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. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 card or prepaid card

Found out about this on my credit report. Mailed a check to the address on the credit with a letter I was unaware of the debt but would pay only if they removed. They cashed the check then sent a letter refusing to remove the debt from credit. I dont even know what this is for! I dont have a letter or statement from them.
Product: Credit card or prepaid card

The following purchases were made on my Capital One credit card : XX/XX/XXXX {$7.00} XX/XX/XXXX {$7.00} XX/XX/XXXX {$4.00} XX/XX/XXXX {$59.00} XX/XX/XXXX {$5.00} XX/XX/XXXX {$5.00} Balance due XX/XX/XXXX {$89.00} Payments and credits to the account XX/XX/XXXX - {$7.00} credit XX/XX/XXXX - {$4.00} credit XX/XX/XXXX - {$59.00} credit XX/XX/XXXX - {$17.00} online payment balance on XX/XX/XXXX {$0.00} XX/XX/XXXX late fee {$25.00} When I called to complain, the explanation from Capital One is that because I didn't make the accounts minimum payment of {$25.00} I was charged the late fee. I couldn't make them understand that making a {$25.00} payment on an account that had a {$17.00} balance didn't make any sense. As a one time courtesy they agreed to credit me back the {$25.00} late fee. My concern is when and if it happens again I won't be eligible for the one time courtesy credit. How many other people is Capital One ripping off with this bogus fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i have yet to receive any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

OUTSOURCE RECEIVABLES stated in their previous response to the CFPB XXXX that they had deleted all reporting to the credit bureaus yet have provided FALSE information to a federal agency! 

This is the information directly from XXXX portal : OUTSOURCE RECEIVABLES Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

OUTSOURCE RECEIVABLES not only has provided FALSE information to a federal agency but have failed to provide 100 % Accurate/ 100 % Verifiable information to the credit bureaus. They admitted to the CFPB XXXX that they were attempting to get the police reports yet are CERTIFYING THE DEBT to XXXX. 

" FALSIFYING STATEMENTS TO THE CFPB and CERTIFYING TO THE CREDIT BUREAUS '' Report Number : XXXX Date Generated : XX/XX/2019!!! 

They need to be FINED PERIOD!
Product: Debt collection

Contacted my employer after I told them I'm not allowed calls at work. When calling to make my payment, I asked the rep ( XXXX ) to not call my employer or anyone else regarding my balance owed or payment. He kept acting like he would process my request and then say we will call those numbers as a last resort. I told him 4 times he did not have my permission to call my employer or friends/family about my debt and he refused to give my confirmation he or anyone else at their company would respect my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation reports. These creditors have reported inaccurate/unverifiable inquires to my report which is incorrect, and I am asking this be deleted immediately.
Product: Credit reporting or other personal consumer reports

Credit reporting traunion XXXX  Has made it harder for people to get ahead my credit scores also reports .notice problems XXXX relocated 4 years ago to area we're everyone must have, XXXX XXXX ratein XXXX and above all my nieborhood homes owners business owners nor veterans. I have paid accounts l not bein late and reported using Attached my bank to credit XXXX XXXX notice my scores don't change.whenever l get close nor my husband l notice always reason for credit scores drop, my score hasn't reached. No higher XXXX then notice any reason it dropped. .. which has made it harder to get a head ito XXXX any credit showini have sent in all information for updates. Disputes for over 90 days v.notice. stil No change ... Showing on credit scores XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Paid for changes credit scores. Requested companies be
Product: Credit reporting or other personal consumer reports

I am writing this because I noticed my closed XXXX XXXX account #, [ XXXX ], Continually being reported for multiple months! This is illegal and you guys are going against the FCRA. According to the FCRA 623 it states that an account can be reported delinquent on the months that it is late but once an account is closed it can only reflect charge off or late up to the date that it was closed ( XXXX ) after that its not supposed to. This is my final warning I need this account removed you guys are constantly reporting inaccurate information! 

( 5 ) Duty to Provide Notice of Delinquency of Accounts ( A ) In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.
Product: Credit reporting or other personal consumer reports

I WAS A VICTIM OF IDENTITY THEFT AND I REQUEST THAT THESE ALLEGED ACCOUNTS BE REMOVED IMMEDIATELY. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRES : XXXX : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

1. Under 15 USC 1666B this is a billing error always payed as agreed on time this is an error this account in violation. 
XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 

3. The following personal information is incorrect Former : XXXX XXXX As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 

Sincerely yours, XXXX XXXX
Product: Mortgage

Ocwen offered a loan mod for years but never completed one until it was in Ocwen 's favor So I was forced to file bankruptcy Ocwen still pursuing debt even though I am covered by bankruptcy rules
Product: Credit reporting 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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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

On XX/XX/2023 I contacted XXXX XXXX in writing to discontinue reporting the fraudulent collection account to my credit report as you are in violation of FDCPA. On XX/XX/2023 I contacted XXXX XXXX XXXX XXXX in writing to discontinue reporting the same fraudulent account. To date, XXXX XXXX nor XXXX XXXX XXXX XXXX have responded to my request or discontinued reporting the associated fraudulent account to XXXX, Transunion, and XXXX Credit Reporting Agencies. I did not request or obtain credit from XXXX XXXX XXXX XXXX nor am I liable for any debt to XXXX XXXX XXXX XXXX, XXXX XXXX, or any factoring company. In addition, I have filed a Police Report regarding these fraudulent accounts and sent a copy to XXXX, TransUnion, and XXXX Credit Bureaus to dispute and delete this fraudulent collection accounts and any inaccurate information.
Product: Vehicle loan or lease

I was approved for a 2004 XXXX XXXX XXXX upon my departure before putting down $ XXXX {$2000.00} and about $ XXXX {$600.00} for my Full Coverage insurance with the general. I was told from the beginning the vehicle was a 2004 XXXX XXXX XXXX, My loan was taken out for a 2004 XXXX XXXX XXXX also. I found out the true year, Make, Model and Edition upon my visit to the dmv to get the 2004 XXXX XXXX XXXX registered with plates and Decals! I was told the information on the paperwork and or loan information was not correct and or for the Vehicle that I knew to be mine, Was in fact not my sedan at all this whole time. There was literally another guy driving my true to be sedan and I was driving his sedan without any clue! I was told that the serial number was a match for the 2007 XXXX XXXX XXXX, which is what was told to me by the DMV Professional at that moment and urged me to report it due to the type of financial mishap being fraudulent and a very serious matter! I did as I was told, The information was filled out properly and filed for Review. The information got back to XXXX  XXXX XXXX somehow when I went to make a payment for The 2007 XXXX XXXX XXXX and or also to be seen by a mechanic due to the transmission dying, I was told by the mechanic and he wouldnt be able to get me seen for 3 months and also the new transmission would have supposedly taken a long-While before they call you, Also to get told to file a investigation on the automotive Lot called XXXX XXXX XXXX Located at XXXX XXXX XXXX XXXX. XXXX XXXX, NV XXXX was very stressful and took a bit of a toll on me! The DMV I went to was located at XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NV XXXX. Ok lets fast forward to about 4 months after all of this fraudulent mess, The sedans transmission went out while I was taking my mother to work! The car would not start at all, It would just click, so I told the bank what was up and they said it was nothing they could do and its out of their hands. To conclude this true but very long story, It broke down and was not operational at all! The mechanic was still booked apparently after he had been given a extra month after he told me 3 Months to service my 2007 XXXX XXXX XXXX. I told bank and XXXX XXXX XXXX that I was not going to continue to pay a {$300.00} car note for a rundown sedan that was exhausted and no longer operational and not to mention the $ XXXX {$600.00} for auto insurance! They picked it up, Re-sold it at a auction, Got like {$7000.00} for it but the bank and or XXXX XXXX XXXX financed me for {$13000.00}!!! So they took the {$7000.00} and subtracted it from the {$13000.00} and left me with this huge bill that Im paying on for no reason literally, they never asked me if I wanted to pick a different vehicle knowing the condition the current sedan is in ... ..it was and still is very unprofessional and fraudulent!!! Its been the reason my credit it so low and why I can get any car I apply for! I need at least {$20000.00} to be financially stable and or more, I have a job that pays me well now to!
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired a credit repair company XXXX XXXX XXXX XXXX to help remove negative things from my credit report. Account with XXXX XXXX XXXX XXXX  opened in XX/XX/2012 in amount XXXX shown as charge off should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, XXXX, and Experian, even after attempts of removal with credit repair company on my behalf.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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

Bankruptcy # XXXX is reporting on my TransUnion report, provider of public record information is XXXX before XX/XX/XXXX, after is XXXX. The above bankruptcy number was reported by XXXX according to XXXX, XXXX XXXX report shows no Bankruptcy, XXXX performed TWICE an internal dispute with TransUnion to remove public record off report but it still remains. Now TransUnion is stating Bankruptcy information coming from U.S. Bankruptcy court ( which is false ), i was provided a letter they don't report public record information to the credit bureaus. First complaint was XX/XX/XXXX. I have also filed a XXXX  complaint XXXX/XXXX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an existing open mortgage in Good Standing with XXXX / XXXX XXXX XXXX. XXXX / XXXX XXXX  XXXX is not reporting my mortgage information to TransUnion or XXXX credit reporting agencies. 

I have been trying for over 1 year to get them to report it. TransUnion and XXXX both say they are not getting my mortgage information from XXXX / XXXX XXXX. The problem is impacting my credit score at both TransUnion and XXXX because neither company shows I have a mortgage. 

Current Principal Balance {$420000.00} Regular Monthly Payment {$3600.00} Next Payment : XX/XX/2023 XXXX XXXX XXXX
Product: Credit card or prepaid card

This is my second complaint about this matter. Bank of America credit card suddenly reduced my credit limit by {$25000.00}, to {$500.00}, though I had paid off a {$36000.00} balance a year ago and though I rarely use the card and am always up to date with my payments. I have been their customer for fifteen or twenty years. By reducing my limit in this way, they triggered an avalanche of problems for me on my credit score, causing other cards to follow suit and lowering my credit score by FIFTY POINTS. I am trying to refinance my mortgage during a difficult divorce and now will be unable to do so. I reported them for this problem several months ago and they told CFPB that they needed more time to " work on it. '' Since then, silence and nothing changed with my account. 

I should note that about the avalanche described above -- another one of my cards reduced my limit after Bank of Am did so, but only from XXXX to XXXX. This impacted my score only slightly. There is absolutely no reason that Bank of Am could not do a similarly small reduction in credit, covering whatever concern they had without destroying my life for a card I rarely even use at present.
Product: Checking or savings account

Additional bank and fees for my account? I'm authorized and changed without my knowledge or consent.