23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Bank of America claims I was represented by a lawyer out of XXXX Virginia in a case involving XXXX. In fact, my lawyer was a XXXX XXXX XXXX based out of XXXX regarding the XXXX case. None the less, the law requires accurate reporting of information on a credit report and Bank of America has failed to do this by reporting that my last known address was in XXXX Virginia. I would also like to add that if Bank of America has anything to do with the XXXX case, that case was settled out of court and that debt was removed because of this. If this fradulent debt has anything to do with XXXX then Bank of America is not only reporting my information illegally but they are illegally trying to collect a debt but this will all be brought up in the court papers next month. Bank of America has many cases that they have lost by reporting false information and performing illegal practices. If they claim I lived in XXXX Virginia and put someone else 's name on the account instead of making it a side note and this account was mine, even though it is not, then how am I to know the rest of the information is correct? How am I to know this debt is even real and Bank of America is not making it up? Their own representatives can not even keep their story straight, they flipping stories more than a pancake. All these correspondents will show up in court and you can answer to a judge and possibly a jury over why so many errors and false reporting, I will gladly take your money.
Product: Credit reporting or other personal consumer reports

In XXXX 2023 my student loans with Nelnet services were discharged and closed by the XXXX XXXX XXXX XXXX XXXX due to recently becoming a totally XXXX Veteran. In XXXX of 2023, XXXX notified me via XXXX XXXX of my Nelnet student loan account becoming 90 days delinquent at the time of discharge. However, I have no personal record of delinquencies in the past year according to my Nelnet statements. I disputed this matter with XXXX resulting in XXXX change to my credit report. Upon contacting Nelnet about this matter, I was told they have no record of any delinquencies and pointed me in the direction of the XXXX as they were responsible for my loan discharge. XXXX says they have no responsibility in credit reporting on my student loan account and to speak with Nelnet about this situation. On Nelnet I have no access to any statements within the 90 days period prior to XX/XX/2023. The most recent statement I have access to is XXXX of 2023. I have no access to official documentation except a screenshot showing that I no longer owe Nelnet.
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. 

XXXX XXXX  : account number XXXX, XXXX  : account XXXX XXXX, XXXX XXXX XXXXXXXX : XXXX, XXXX XXXX XXXX : account number XXXXXXXX XXXX/FED LOAN SERV : account number XXXX, XXXX XXXX XXXX : account number XXXX, XXXX XXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX : account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items 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 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 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: Mortgage

My husband and I had a mortgage loan with US Bank. We never paid the loan late. We paid the loan off on XXXX XXXX, 2016. However, the lien on our house has never been released. We have contacted the bank " a lot ''. The bankers are very nice. We have letters saying they are releasing the lien. However, XXXX XXXX we live in, XXXX XXXX, Colorado says the lien has not been released. We are concerned that if we just let this go the lien release will not be completed and we will have more problems in the future.
Product: Debt collection

Received a voice message from XXXX ( identified as United States ) stating the message was for XXXX XXXX XXXX, requesting a callback at XXXX. I called the number provided spoke to " XXXX '' who stated the matter would be investigated and they would continue to attempt to collect the outstanding debt from 2017 from a pay day lender ( XXXX XXXX ). I informed " XXXX '' I had never heard of XXXX XXXX, she then asked me if I knew " XXXX XXXX '', which I replied no, she asked if I knew " XXXX XXXX '', I once again replied no. When I attempted to ask her for the documentation she hung up on me. Irritated, I called the XXXX number again and spoke with " XXXX ''. I retold the story, he asked me to confirm the last 4 digits of my social security number when he read them off. I confirmed and advised I had no knowledge of such a debt and to please provide me written documentation. He asked if a very old address was my current address, I advised him that his information was incorrect. He also then disconnected the call. I believe this is a collection company called Midland, they are clearly using improper tactics and not providing full details when they are making these accusatory telephone calls. I attempted to call the XXXX number again, only to discover it was now " Out of Service ''.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

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

For months, I have contacted your team about inaccurate accounts on my report that are currently in litigation, yet they remain unresolved.
Product: Mortgage

We asked the bank for a minimum net proceeds amount to determine if we could find a buyer. The bank told us on XXXX that acceptable net proceeds of {$230000.00} were required. We provided an offer to avoid the foreclosure. the investor then, after reivew for one week change their mind and now want an additional {$7500.00} above the offer and to reduce commission to 3 % for XXXX agents to split. The short sale national protocol is 6 % between XXXX agents. We reduced the commission to 5 % split between XXXX agents to try to make this offer work. This was the highest offer received in 2 years on market, they turned it down the day of the foreclosure, then 5 minutes before the foreclosure they postponed the foreclosure for offer review again. That was on XXXX XXXX, 2015. Now they have returned today XXXX XXXX XXXX, 2015 ) at the same terms as prior to their review XXXX {$260000.00} and reduce commission to 3 %, split between XXXX agents. So in essence, they are now again more intent on foreclosing on an XXXX service member and his veteran exwife who is suffering XXXX. Therefore we feel that the investor XXXX United Security Financial XXXX is force placing this foreclure by offering terms that no one could oblige.
Product: Money transfer, virtual currency, or money service

Dear CFPB, PayPal is knowingly allowing a loophole in their claim system be abused to steal from buyers. 

We are dealing with a scammer who clearly understands how to easily manipulate PayPal 's ridged and indirect dispute system, along with the carelessness of the PayPal phone support agent who originally opened our dispute with PayPal 's phone claim department. It is shocking how easy it was to abuse PayPal 's process and steal almost {$2000.00} from people trusting PayPal to process payments. 

The PayPal claims case is : Case ID : XXXX The total stolen from us is : {$1800.00} And the Seller : XXXX XXXX XXXX The merchandise XXXX XXXX XXXX shipped us were fake. The box was clearly preopened and resealed after being filled with completely different cards not of the same vintage set. 

The scammer then agreed to take back the fake merchandise and accepted the return request ( Please see attachments titled " Image_1 '' and " Image_2 '' ).

We proceeded to print the return label and ship back the item ( Please see attachments titled " Image_3 '', " Image_4 '', and " XXXX '' ). 

The scammer then proceeded to REFUSED the incoming shipment ( See attachments titled " XXXX XXXX XXXX ( r ) - USPS Tracking ( r ) Results '' ) knowing that was ALL that is needed to manipulate PayPal 's claim system! 

PayPal will Deny ALL claims as long as the victim does not have a signature from the scammer. 

I just got off the phone with a PayPal Supervisor at XXXX ( Eastern Time ) who outright admitted she was aware of how easy it was to abuse PayPal 's claims process by simply refusing returns. Looking online this scam is well known! 

Even though USPS clearly serves as evidence the scammer received then returned the fake merchandise PayPal 's inflexible system is dangerously easy to abuse in order to steal from consumers, and PayPal 's management admitted they are aware of this and knowingly allow it! 


Account ID : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because credit karma sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer protection financial bureau ( CPFB ) has recently filed a lawsuit against Experian, alleging systematic issues, such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following entries on my credit report, which I believe to be inaccurate : XX/XX/XXXXr XXXX Bankruptcy - XXXX I have made numerous attempts to correct these discrepancies, submitting the required documents and following up multiple times, but no action has been taken. These errors have caused unnecessary financial hardship and have put an immense strain on my personal well-being. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report free from inaccurate or unverifiable information. I expect a thorough investigation and a resolution in a timely manner. Please ensure that these concerns are properly addressed as soon as possible.
Product: Checking or savings account

On XXXX XXXX i went to pay my friend on the Chime app pay anyone feature. She did not receive it, so I had to XXXX her the money instead. I contacted chime support to dispute the transaction since the funds were taken from my checking account even though she never received the payment. Ive been denied twice already in my disputes, even though Ive submitted bank statements proving that nothing was received from chime. Since the XXXX Ive been through countless phone calls with their support team, and keep getting told the same thing. That I file the dispute and I should be getting my hard earned money reimbursed. Ive even been hung up on by one of their supervisors which I find extremely unprofessional no matter my tone of voice, because it gets to a point where youve explained the same situation about 20 times and nothing is changing. Come to find out I go on XXXX and Im seeing Im not the only one whos gone through the same issue. Times in the economy are hard right now and I dont make enough money to where I can just forget about those XXXX dollars. This is a company thats supposed to be legit, but yet arent helping there people.
Product: Credit reporting or other personal consumer reports

These following accounts are involved in litigation... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXIST. 
DELETE ALL ACCOUNTS
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report 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, credit repair services, or other personal consumer reports

I've filed disputes with the Credit Reporting Agencies regarding the only collection on my consumer report account XXXX XXXX original creditor is XXXX XXXX I requested the collection be investigated because the information is being reported grossly different. XXXX reports that I've never made a payment on time while Equifax reports I've never missed one payment, and XXXX does not report at all. Under the FCRA all information on my consumer report is suppose to be 100 % accurate, complete and verifiable. So what I don't understand is how a thorough investigation was done when you can clearly see the inaccuracies on my consumer report. I am requesting that the account be deleted due to the inaccuracies. The burden of proof is on them not on me. 

Account XXXX XXXX original creditor XXXX XXXX Please delete account.
Product: Debt collection

In year XXXX I had lost my job and couldn't make any payments I contacted Ally Financial about my situation now in XX/XX/XXXX my kid Dad had took my car to the store and supposed to come back that day so a week in a half went by been calling XXXX XXXX XXXX to bring my car to my resident he never brought my car back so I contacted the police they told me to wait ten days if he doesn't bring it back than call to report it stolen so I called my kid Dad and told him to bring it back he still hasn't so the next day I called the police again to find the location of the car it was towed away by XXXX XXXX in XXXX Texas I called Ally Financial and let them know that my car was not at my residence and that it was towed away at my kid dad resident so in XX/XX/XXXX XXXX XXXX XXXX  had sold the car to someone in California all and all I just couldn't afford the car and my kid dad never help me to get my car back and now I'm stuck with {$14000.00} balance on my credit it just been really hard on me these past few years I have no job no car and XXXX XXXX XXXX XXXX XXXX XXXX kids So just gotten a collection letter from XXXX XXXX XXXX XXXX XXXX is a debt collector on XX/XX/XXXX for Ally Financial
Product: Credit reporting

In XXXX XXXX I signed up for bankruptcy. Unfortunately due to financial hardship, I declined the bankruptcy option. My case was dismissed XXXX XXXX, XXXX. Equifax is currently incorrectly reporting Bankruptcy case # XXXX ( see attached bankruptcy file ). They are reporting the bankruptcy was filed in XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3 time sending this report of wen my identity got stolen and fraudulent accounts were made with my credit I send numerous reports to the creditor and no response at this time the creditor are in violation of the FDCP
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry is from XX/XX/2018 National Credit cards/AIRLINES SYNCB XXXX FLORIDA XXXX I DO NOT HAVE AN AMOUNT THOUGH
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX Balance : {$520.00} XXXX XXXX XXXXXXXX Balance : {$3800.00}.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

To reiterate, the items in question are : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies.
Product: Debt collection

I have tried so many times to resolve this debt with the original creditor. The problem is that XXXX was purchased by XXXX XXXX XXXX. My account originated with XXXX. According to any representatives I speak to, they supposedly can not see the previous notes on my account. I opened an account with XXXX. I am a renter of my home and the landlord signed a release giving permission for the dish to be placed on our roof. After a period of time, my landlord revoked the permissions and demanded the dish be removed. My apartment is above a business in the city and he wanted the dish removed. I immediately contact XXXX and advised the representative of this matter. He advised me he would send a box to return the equipment. He did, however, advise to either keep the dish or throw it away. That nobody would want it back. He advised of my final bill and we determined a disconnect date. I paid my final bill and the services were shut off as planned. Not long after that, I received a bill from XXXX. it is important to note that by this time XXXX was acquired by XXXX XXXX XXXX.  The bill was a fee for early termination of my account contract. I advised the representative of the reason I had to disconnect services. She advised just like the previous rep that I would NOT be penalized because of my landlord revoking permissions. She stated the bill was an error and I had a XXXX   balance owed. She stated she would correct the billing error on my account and the call ended. Months and now more than a year has gone by and, I have disputed this file with XXXX   and XXXX XXXX XXXX through their corporate offices. Originally this debt was with a different collection agency. I received a letter from that collection agency that, they would no longer be collecting this debt and, they would return it to the creditor. At one point the creditor did contact me to see if I had any other location the dish could be placed. I advised him that I lived in the city, I had only one rooftop which was shared by the business below. I advised him the landlord revoked permission to have the dish on the roof. He advised me that I would not be billed the termination fee. In addition to writing and speaking to multiple reps, I also faxed and mailed a signed letter from my Landlord advising he will not allow the dish on the property as ordinances in the city limits had changed. Due to the HUGE lottery dish that must be installed for State Lottery and Food Stamp transmissions he would NOT allow another dish. I was pleased when I received the letter from the previous collection agency as I thought finally it was resolved. Now I am finding this back on my credit bureau reports with a new collection agency. This is unacceptable. I have done everything possible to rectify this situation.
Product: Debt collection

XXXXXXXX XXXX XXXX 

I called to put a temporary hold on my account due to having to move ( military order ) 6 months later while I am on orders I received a notification that have something in collections.