23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have had my existing PayPal account for roughly 20 years with the same checking account linked to it the entire time, and I also have a current PayPal Mastercard. In other words, I am a well-established customer of this company. As a XXXX XXXX XXXX I work with a variety of clients. On XX/XX/21, I received payment for XXXX XXXX in the amount of {$370.00} via PayPal from my customer who is based in XXXX. Upon receipt of funds, PayPal deducted their 5 % fee, then immediately locked my account. I received an email stating that I can no longer do business with PayPal, without explanation, and I am unable to transfer my funds from PayPal to my bank account. When I called and spoke to customer service, I was told that I would have to wait until I receive an email from them in 180 days with instruction on whether or not I can transfer my money into my bank account. I sent them an email, and received an immediate reply that stated their decision is final, and " We can not disclose the specific criteria that we sometimes use to limit access to accounts. '' I have never violated any terms of service, and their efforts to steal my hard-earned money is outrageous.
Product: Credit card or prepaid card

I made a purchase at the Apple XXXX online. They sent my info to a physical store. I went to pick up my computer. The charge was XXXX cents. I was told by the person who signed me up for the card that I can pay in installments, but I was charged the full amount. Apple online/phone store suggested I call and tell Goldman Sachs I wanted to pay in installments. Days later, I notice a charge for {$1700.00}. I learned the {$1700.00} was the subtotal. The XXXX was with tax. Currently these two charges have appeared on my account since XX/XX/2022. Ive been asking them to remove the extra charge over and over again. One manger said it was their mistake. Another manager said I will have to pay. I will not pay for something f I have not purchased, nor have I authorized it.
Product: Credit reporting or other personal consumer reports

Contacted XXXX via phone to verify monthly payment was scheduled for the month of XX/XX/2023. Payment scheduled confirmed. On date XXXX a {$1200.00} payment was scheduled to be pulled out of XXXX checking account. On XXXX I was notified that the payment was declined. I checked my bank account which had sufficient funds and called XXXX. XXXX stated the payment declined due to insufficient funds I stated that wasnt possible as I was looking at the account. I verified the account number with them and they stated it came out of a different account. I do not have another checking account annd never have. They then read the anccont number that that attempted to use. It did not belong to me nor was any account I knew about. I had them immediately run the correct account a pay the payment. The agent stated that because XXXX payment and reversal issues were so close in date and I had no time to fix the issues she would request the late payment removed. As once I was notified I immediately rectified the issue it also was XXXX error in charging an account that didnt belong to me. I have inquired with XXXX who states the credit bureau will have to correct the error that XXXX can not correct it. I have made several attempts to have the credit bureau to correct it and provided all documentation with no success.
Product: Vehicle loan or lease

In XXXX of XXXX my car was repossessed a day before XXXX. I had no knowledge this going to happen. I was experiencing a financial hardship due to my recently finishing school so I was not working full-time. I had called Capital One and explained this and they first tried to assist me but this was a difficult time personally and financially. When they took my car, I was devastated and it really took a toll on me but to make matters worse customer service was very rude when I tried to find out where my car was to get my personal belongings out of it. After some time went by I tried to resolve this matter but my car has been sold. I was never sent a letter about a auction, I was never given any information on how to get my car back. One day a customer service rep called me and stated that the remaining balance on my car was XXXX. I asked her to send a breakdown of this bill, she never did. I also asked her when was the auction held and why wasnt I notified, she was very rude and never answered my questions. After that I checked my credit report a few months later and the charge was there. I never got a bill! My XXXX kids and I had to walk and catch the bus for 2 years as a result of this. I tried to reach out to Capital One and they will not provide the information or take it off my credit report with XXXX  and XXXX. They are actually still reporting it late! 37 late payments but I dont have the car and the account is closed. It also states that I am being charged interest and that I made a payment in XX/XX/XXXX which I never did because I never received any further correspondence. I am respectfully requesting that this account be removed from my credit profile immediately as I have tried to resolve it with Capital One Auto and still no resolve.
Product: Debt collection

I am writing to formally dispute and request the removal of an inaccurate and unverified collection account appearing on my credit reports from XXXX, XXXX, and XXXX. The details of the disputed account are as follows : Creditor Name : Midland Credit Management Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX Status : Collection Account Upon reviewing my credit reports, I have identified multiple errors, violations, and inconsistencies in how this account is reported across all three bureaus. These discrepancies, along with the failure to provide proper validation, warrant its immediate removal. 

1. Failure to Provide Proof of Debt Ownership Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, a debt collector must provide validation of the debt, including a purchase agreement or assignment of debt from the original creditor ( XXXX XXXX XXXX XXXX ). Despite my requests, Midland Credit Management has failed to provide any documentation proving they own or have the right to collect this debt. 

Without a valid purchase agreement or contractual proof, the debt is illegally being reported and must be removed. 

2. Inaccurate and Contradictory Reporting Across Bureaus The account information is inconsistent among the three major credit bureaus : XXXX Report ( Ref : Midland Credit Management ) [ 32 ] Account opened : XX/XX/XXXX Past due amount : {$1200.00} Reports as a collection account but lacks any payment history or verification of debt. 
The date of first delinquency is listed as XX/XX/XXXX, yet the account was supposedly opened in XX/XX/XXXX, which is contradictory and inaccurate. 

XXXX Report ( Ref : Midland Credit Management ) [ 33 ] Reports as a collection account with a balance of {$1200.00} past due as of XX/XX/XXXX. 
Inconsistent payment history : It shows a collection status before the account was even opened, which is impossible. 
Dispute comments indicate I have challenged this account, but Midland Credit Management has not provided valid documentation to verify it. 

XXXX Report ( Ref : Midland Credit Management ) [ 34 ] Shows no payment history at all, which contradicts the other reports.

Lists Midland Credit Management as an open account, whereas the other reports classify it as a debt buyer.

These inconsistencies violate 15 U.S.C. 1681s-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported must be accurate and verifiable. Because Midland Credit Management has failed to provide a consistent and accurate report, this account should be removed from all credit bureaus.

3. Failure to Properly Investigate My Dispute Each credit report indicates that I have disputed this collection account. However, under 15 U.S.C. 1681i ( a ) of the FCRA, if a consumer disputes an account, the furnisher ( Midland Credit Management ) must : Conduct a reasonable investigation Delete any inaccurate or unverifiable information Since Midland Credit Management has not provided any valid documentation proving this debt, they are in violation of the FCRA and FDCPA and must remove this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Violations Disputing Credit Card Charges Have you ever been billed for merchandise you either returned or never received? Has your credit card company ever charged you twice for the same item or failed to credit a payment to your account? While frustrating, these errors can be corrected. It takes a little patience and knowledge of the dispute settlement procedures provided by the Fair Credit Billing Act ( FCBA ). 
The law applies to " open end '' credit accounts, like credit cards, and revolving charge accounts, like department store accounts. It doesnt cover installment contracts loans or extensions of credit you repay on a fixed schedule. People o! en buy cars, furniture, and major appliances on an installment basis, and repay personal loans in installments, as well. 
XXXX XXXX XXXX XXXX {$3700.00} # XXXX XXXX  card # XXXX {$7400.00} Please remove addresses never live there XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Mortgage

I put in a request for review of a workout plan with Amerihome mortgage company on the XXXX of XX/XX/2019. I included all documents that the packet said they needed. I called them several times on the XXXX of XXXX and the XXXX of XXXX and they said there may be other documents they may need and gave me examples of what may be needed. they also said that I have until Monday the XXXX to get all documents in because the wont except anything after 14 days from the sell date of my home, and they would be contacting me to ask for more documents if they need them. I sent the extra things that they might have needed to review my request and I got no response back saying that the received them. I contacted them today XXXX XX/XX/2019 and they told me that there wasn't sufficient time to review my paperwork and that they would not be reviewing a workout plan anymore. I am working with a HUD agent at the moment as well. I feel that they do not want to work with me anymore and that they want to sell my home.
Product: Debt collection

Received a letter From Northstar collecting debt from a credit card company that an account was opened using my identity. I requested documentation North star did not provide. North Star 's letter states I will experience tax consequences which that language is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 an account without my written instructions
Product: Student loan

About halfway through my program, while registering for XXXX 's summer semester, I was informed by the financial aid office that my original federal XXXX loans did not in fact cover my balance, and I would need to come up with roughly {$7400.00} to pay for the remainder of my program. My now deceased grandfather cosigned on a personal loan from Wells Fargo, and financial aid assured me all would be covered. This was a lie. Fall semester XXXX ( prior to completing my program in XX/XX/XXXX ) I was now informed by the financial aid office that there would be an additional balance of {$1200.00} or so. Wells Fargo would not allow me to increase my balance, nor add on an additional loan to pay for this remaining balance. As a result, while I continued to make payments to both XXXXXXXX XXXX and to Wells Fargo ( as I was forced to begin payments immediately while I was still XXXX XXXX XXXX ), XXXX withheld both my transcript and diploma. The school has since declared bankruptcy and permanently closed, so I am no longer to receive what I earned.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

CREDITOR INFORMATION : XXXX XXXX  XXXX XXXX XXXX XXXX, PA XXXX I am submitting a complaint in reference to this company XXXX XXXX XXXX XXXX knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS and DECEPTIVE. I demand proof to see VALID authorization/proof of alleged debt. They are harassing me with phone calls as well. 

Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law require you to respond in 30 days. I am maintaining a careful record on my communication with your company. Please provide G.A.A.P agreement. 
FTC 15 USC 41
Product: Debt collection

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this informationntation ( a consumerPlease accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this informationntation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be deleted immediately & deleted from all third parties & bureaus reporting without my consent. 


Send a copy of this case to the Federal Trade Commission & the attorney general office for investigation Account : XXXX XXXX XXXX XXXX This account is closed and has been closed for a while how can a balance still be reported
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Experian about some errors on my credit report as of XX/XX/2018. this is now my third time contacting them. I have still yet got anything back from Experian showing how they validated the items. Their last statement to me is they aren't going to investigate the items listed below.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is that I have 2 accounts XXXX XXXX XXXX XXXX XXXX XXXX that are this reporting negative credit information and the 7-year rule is in effect. Both accounts in question 1st became delinquent over 7 years ago. I disputed this with all 3 credit bureaus and not only did they not fix the problem, they also didn't properly investigate the matter. Not even the creditors were able to verify what we requested. 

My complaint today is with XXXX, XXXX, and Equifax. Hoping to get this resolved and appreciate your help.
Product: Mortgage

Was in foreclosure in XXXX. I went to court. Chase lawyers did not serve me right. Sent me a letter suggesting they can buy my house. I could not contact their lawyers. Phones at law office were never answered. Chase offers me a streamline modification. I paid 3 months mortgage. Paid final modification trial XX/XX/XXXX. I waited for papers from Chase so I can sign new modification agreement. On XX/XX/XXXX I called Chase and they said they sent to lawyers on XX/XX/XXXX and I had to return them by XX/XX/XXXX. I asked Chase to email me papers directly and I returned by XXXX the same day. I finally received the modification papers from their lawyers on XX/XX/XXXX. It seems like these papers were intentionally sent to me late so that I can go back into foreclosure. Chase needs to deal with a different law firm because this is negligence and it could cause harm to homeowners that want to keep their homes but miss the deadlines due to the Chase lawyers fault.
Product: Checking or savings account

Hi sir/madam, Good day. 

I am an XXXX XXXXXXXX XXXX and several days ago, I encounted a bank fraud. Pleas help me get the money return. 

On XX/XX/2022, I have two transactions not authorized by me ( Bank of america 's checking account ), they are bill payments, one is to XXXX XXXX XXXX of {$9900.00} and the other is to XXXX XXXX XXXX XXXX of {$6900.00}. 
I don't have any business with the latter two companies, so I dont know why the money was sent away without my authorization to the others by BOA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 ( 2 yrs, 8 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Original creditor name XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax a letter on XX/XX/2020 with evidence that the bankruptcy reporting under my name and SSN number is not compliant, not accurate and cant be verified. 
I am attaching letters from the Bankruptcy court and County Recorder of Deeds stating they dont report or verify records reported against a consumer. I also attached a letter stating I opted out of XXXX and froze my account with them. 
How can Equifax verify this debt as mine when they dont have access to any data to verify the Bankruptcy from XXXX or the Bankruptcy Court? 
All public records reported against me from Equifax are violating the Fair Credit Reporting Act and need to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you.
Product: Vehicle loan or lease

BBVA Compass have avoided contacting me and trying to settle this issue with my loan for XXXX  XXXX XXXX XXXX pickup. I have filed several complaints trying to get them to respond. I found out my loan was with Compass Bank lost control of my loan last year then they filed an insurance claim with there company as a loss in XXXX, when we received a deferment to pay the loan in XXXX. Compass no longer exists, BBVA nor Compass is on my truck title so they do not have possession of the loan nor the Truck. I have been trying to refinance this loan with several companies have failed. Okay two weeks ago I started getting mail from Attorneys stating I was being sued by Compass/ BBVA to be exact XXXX XXXX XXXX AND XXXX XXXX was being  sued, I was not sure why they was trying to sue my email address. There company claim that my email has possession of the XXXX  XXXX XXXX XXXX pickup. when I received this letter I contacted there Attorney to inform him that I was the only one on the loan and that XXXX is an email not a person he told me I was not suppose to find out about the petition the company was trying to stop the FDIC and CFPB from shutting them down and that they have never paid to have me served. But there last reply through CFPB stated we are in litigation, BBVA or someone at Compass keeps writing comments on my credit report in order to damage me this bank have broken ever Federal and State Law as far as finance. I have all document  attached this is no longer a State Case we are looking to take this Federal as well they have violated OCCC Section 348.114. they have also violated Texas Finance Code 168.1 and 602.1 and 698.3. I  had to go online to find the petition filed against me there is nothing in this petition about my money that was paid my date of default or anything I am waiting on a reported to contact me from new line 8 if they refuse to respond to me maybe they will talk to some one and at the same time this will go public. l am currently waiting on  our court date BBVA / Compass need to be shut down If they do not serve me to go to Court and they are stalling for time what do a consumer do NEXT? Answer Serve them!!!! I will see them in court I am not going to go away they have ruined my credit and life. they need to contact me only!!!!!! XXXX XXXX XXXX at XXXX and or email at XXXX or XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX - XXXX scam payment was made XX/XX/XXXX - Filed dispute with bank XXXX Letter from bank received stating no action will be taken however this was not reviewed or discussed