23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a notice from XXXX that a new collection appeared on my Credit Report from Genesis Credit Management. This is the third time it was sold to a different collection agency because the other two had no information to properly validate the debt, so they changed the dates and the account number and sold it to another unsuspecting debt collection agency. It's been to XXXX XXXX XXXX, XXXX XXXX XXXX and now Genesis Credit Management. 

Genesis did not send me the proper notification before it reported on my credit report. The day I was notified that it reported on my credit, I sent Genesis a request for validation and I disputed the account with all 3 credit bureaus. 

Genesis " verified '' the information with all 3 credit bureaus before responding to my request for validation. 

I received a response to my Validation Request on XX/XX/2019. They sent a letter claiming that I owe them a debt and attached was a one page, half computer generated, half handwritten report that did not include my name, birthday, address or any identifying information. It also did not include the name, address or contact information of the " original creditor '' - leading me to believe this company is blatantly committing fraud and willfully non compliant with laws that govern their compliance. 

They also did not prove that they own the debt, that the debt was valid. But, in their invoice, they added {$2000.00} in collection fees/interest - which is not legal unless they can furnish the original contract that states there will be interest and collection fees. 

This company is practicing Illegal Debt Collection Practices, hiding under the guise of different names & DBA 's to trick consumers and prosecutors. Please refer this to the FTC and  Attorney General to investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the first of XXXX I sent letters to all three bureaus XXXX, Equifax, and XXXX. It has been well over 45 days. On the XXXX of XXXX I received a letter from XXXX ignoring my request for original documentation. According to the FAIR CREDIT REPORTING ACT, SECTION 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract. Instead I was denied my request of my right to the original documentation with no resolve. The other two bureaus have not responded at all. Because of their lack of professionalism. I'm losing out on many personal and business opportunities because of inaccurate reporting on my report. I'm asking you to please help me resolve these issues. So i can move on with my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian had offered me to see if I would qualify for a debt consolidation loan on their credit monitoring app. Before you push submit, it clarified that it would not effect your credit report and there would be no hard inquiry. As a result of doing this, I ended up getting 2 separate hard credit inquiries. I have not directly applied for any loans or cards any time in the past 6+ months. I have called Experian and they believe it is identity theft and that its just a coincidence that they came the same day I did this application on their web site. They have declined any responsibility and decline to help with the hard inquiries. I believe they should be responsible because without the statement before submitting the application, I would not have submitted it. I am now chasing this down myself and losing time at work trying to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was leaked by XXXX. Experian and XXXX ( I 've contacted both for several hours each ) are refusing to give a security freeze without " protection '' money. They maintain that I have to have wait for someone to commit fraud with the XXXX breach, bring the fraud case to the local PD, and then mail them the police report to get a free security freeze. Essentially, after my credit is destroyed, they 'll give me the freeze ... We all know that it will happen, it is n't an if, but a when, and yet they refuse.
Product: Debt collection

In received an email from the original company stating that they sold the account to this company called Structured Settlement, XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX. 
XXXX. When I received the email from the original company it did not state the amount or not much information about the debt. I reached out to STRUCTURED SETTLEMENT, and asked if I could have them sent over the information with the account number and amount owed. The lady was okay and she agreed to sending that over through email. I did not receive anything, I contacted them back, a man answered and was very rude, I asked him I never received the email. He aggressively said I have admitted to something on the recorded line, I said Im only asking for the information about the debt to be sent over. He said he couldnt do that. Why? Why cant I have that information? He said that I must agree to pay or that before something worst would happens. I have not received any emails or paperwork from them, Im the one reaching out about this!
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of XXXX XXXX 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

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. 

Convergent Account # XXXX, XXXX, have 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 or other personal consumer reports

I am deeply distressed by the credit report I have recently received. The situation seems entirely beyond control. It is astonishing to me that such blatant errors, which have such detrimental effects on individuals. I am prepared to take whatever steps necessary to hold you accountable for these poor reporting practices if you do not promptly and accurately address the issues outlined in this letter. I am unaware of the source of the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Mortgage

Repeated phone calls from Carrington Mortgage Company during grace period of harassing nature. Mortgage payment due on XXXX and have until XXXX before late and late fees incurred. Carrington representatives began calling on XXXX and have been harassing and rude in nature. Have outstanding credit and payment history. Mortgage previously with XXXX and no issues - never late, no foreclosures, no delinquencies, payment history is outstanding to the point where have over paid on mortgage and decreased mortgage payment and have begun to pay on principal. Mortgage was sold in XXXX 2015 to Carrington and have been dissatisfied with their service ever since. In addition to harassing phone calls, have recently received a completely inaccurate escrow analysis.
Product: Credit card or prepaid card

on XX/XX/XXXX I was approved for a secured credit card from first progress. I've submitted a deposit of {$200.00} dollars and still haven't received my card and no one from the company seems to not know whats going on. It's been almost an entire month and I'm out of {$200.00} dollars. I have bills to pay and have fallen behind because of this. it's damaging my well being to the point I had to borrow from family which now im in even more debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to this company trying to verify an alleged debt. They have failed to respond to me in all attempts. They are reporting debt on my credit that I have no knowledge of. This is why I'm trying to verify this debt with the company.
Product: Debt collection

my sister signed my name to her rental lease for her apartment. I told the police dept in the jurisdiction but they refused to file a report stating it's he said. she said. I then contacted the credit agency and they told me a file an FTC report which I am doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like i normally do yearly and noticed these inquiries for accounts i never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identitification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.
Product: Mortgage

My original mortgage loan was purchased by Wells Fargo in the late   XXXX   XXXX  . After my wife died on  XX/XX/XXXX  Wells Fargo scheduled my home for foreclosure in   XXXX   of the same year. I tried and tried and tried to to work out something ; anything to keep my home and I was turned away. I sent Wells Fargo repeated copies of my wife 's death certificate and they never seemed to be able to keep it. They continue, to this very day, to send correspondence to my deceased wife or to her and I jointly. Though I have made repeated request for them to remove her name as she is DEAD. I have had agents of Wells Fargo say they would review what has happenened to me but they have never disclosed any information concerning any findings. They have now sold my home and have not provided me with anything information whatsoever. They just took my house of 20 years after repeatedly denying me a chance at a loan modification or any remedy at all, like I was nothing. Perhaps, I am nothing. Please help!!
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 or 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: Mortgage

In addition to my complaint I'd # XXXX, which Oceanside mortgage has not answered, I was informed by a loan specialist a XXXX XXXX  that Oceanside had told the credit department that my monthly payments are always late. This is not true!

Ever since I set up a loss mitigation agreement, all my statements have been on time and generally paid on the due date ( 1st of the month. This bank has made numerous mistakes on my account, but stonewalled me with conflicting information. I am trying to refinance with a different company, but Oceanside is holding me back because they distribute the wrong info. Please help me settle this mess. At the rate Oceanside increases my monthly payment, I will not be able to afford my house any longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I requested a verification of all the information on my Credit Report to determine if information across all three credit bureaus was 100 % correct and accurate. Each credit reporting agency responded back in writing stating all information was verified and validated. So 30 days later I ran my credit report, and the same information was still not 100 % accurate across all three credit reporting agencies. Fast forward, so now in XX/XX/XXXX I submitted a complaint through the CFPB to all credit reporting agencies, and again each responded stating information was verified and accurate which was false and still is false. Per the law, I am in my legal rights to seek civil damages since the time granted to resolve this issue has past. I am disputing the accuracy and validity of listed account : XXXX XXXX XXXXXXXX I have attached a Credit Report from XX/XX/XXXX and XX/XX/XXXX referencing the account above from all three credit report agencies, clearly account ( XXXX XXXX XXXX ) is not 100 % accurate across all credit reporting agencies, it was not then and it isn't now. Help in resolving this issue will be greatly appreciated.
Product: Debt collection

I am writing to you to file a formal complaint regarding Dobberstein Law, LLC in XXXX WI. I will also be reaching out to Wisconsin XXXX XXXX XXXX, the News stations and Government Ethics Boards. 

They are committing unethical legal proceeding against hundreds of victims every year. I was one of those victims. They do not serve defendents legal paperwork as required by law, and Dobberstein Law gets granted default judgements. When I called them out on it and reported them to the Bar Association, the lawyers lied and said it was a miscommunication in their office. If you look into the cases they have won due to default judgements, you will find that the defendants are victims of unethical business practice by a debt collector. Dobberstein Law, LLC is taking advantage of people and filing legal actions without the other parties knowledge. I have proof of this, and am willing to reach out to each individual that has been affected by this fraudulent behavior. I understand that by contacting the individuals affected by this, this will overwhelm the court calendar and will create additional work for the State of Wisconsin, but I am asking for your help in this matter so we can stop this behavior by this debt collection agency.
Product: Money transfers

I received an email from PayPal on XXXX XXXX saying I owed money for PayPal Credit. I do not remember using PayPal credit. There was both a {$25.00} late fee and {$6.00} interest. I checked my emails and I did not receive a statement in XXXX which the representative said probably did not happen. I would have paid my bill then. He did waive the {$25.00} but said that the PayPal process could not refund the {$6.00}. Yesterday I read that CFPB Takes Action Against PayPal for exactly my problem. I believe I designated that my credit card be charged for the transaction and did not mean to use PayPal credit. How can I join this action for a refund?
Product: Credit card or prepaid card

There is a charge off listed on my credit reports ( XXXX, XXXX, and XXXX ) that has {$0.00} balance and is closed. I attempted to contact the company to verify the account via US mail. The letter was delivered certified, on XX/XX/XXXX. The company failed to respond and was not able to verify the account, yet it remains on my credit reports. 

Attached is the letter requesting verification. Also, attached is a receipt from the US Postal Office and an image of the US Post Office 's site with tracking information, showing the letter was delivered 45 days ago on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with CAPITAL ONE. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CAPITAL ONE and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, and CAPITAL ONE with no successful resolution. XXXX   only reporting me four 30-day late payments. There was an error on their part. I was never four times 30 days late.
Product: Bank account or service

someone used my bank card link to my checking account and made unauthorized transactions while I was traveling abroad, it was an identity theft. I file a police report for that matter and contacted the bank and the merchant, submitted a lot of documents and at the end the bank denied the claim for no valid reason at all! its XXXX..
Product: Credit card

Citi Credit Card for Costco charged {$74.00} in interest on our XX/XX/year> statement. We paid our balance in full for the prior statement in XX/XX/year> so that we can avoid paying interest. We sent request for resolution and never received response from Citi Credit Card.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I was unable to log on to my PayPal account because the logon required a mobile telephone number. I've had this PayPal account for more than seven years. I never had a mobile telephone. I signed up for PayPal using only my regular desktop computer and my landline telephone. 

Since I was unable to log on to the account, I also could not message Paypal support using its own system. 

On XX/XX/XXXX, I reached a PayPal support person at XXXX He instructed me to change my password ; but after I followed his instructions, PayPal 's interface *still* required a mobile telephone. 

The support man eventually transferred me to a supervisor. The supervisor suggested that I close my account and open a new account. Only after I asked why the new account wouldn't have a similar problem did he admit that it would. 

The supervisor finally confirmed that a mobile telephone number was now a prerequisite for login. He could only suggest that I keep trying in hope that Paypal might change the interface so as not to require a mobile number anymore. To me, that sounded stupid. 

I am XXXX years old, and on a limited income. I will not buy a mobile telephone for the sole purpose of maintaining an account with PayPal. In view of this arbitrary and capricious policy change, I elected to close the account. 

Because Paypal Inc has direct access to both my checking account and one of my credit cards, I wanted to ensure the *immediate* closing of the account I can no longer access. But Paypal 's online interface requires I be logged on to close the account! 

The supervisor I spoke with gave his name as XXXX XXXX. ( I am not kidding ; I asked him to spell it out ). He explicitly refused even to give me a mailing address for such routine account correspondence as closing an account. ( He claimed that this was a matter of policy ). 

I don't think PayPal should suddenly ( and without notice ) make arbitrary and capricious changes to the user interface that disriminate against the CLASSES of their own long-term customers who are ( 1 ) XXXX  or ( 2 ) XXXX or ( 3 ) rural or ( 4 ) simply not in a position to use a mobile telephone. This user interface change violates the ADA as regards customers who may use their own ( expensive! ) assistive equipment. 

It's also a violation of law and CFPB policy for a corporation to make it substantially more difficult to close a [ XXXX-balance ] account with than to open one. 

In any event, I don't think it is ( or should be ) lawful for a money transfer company to fail to provide its cutomers, upon request, with a proper US mailing address for routine written correspondence regarding the account : But the PayPal supervisor who gave his name as XXXX XXXX explicitly refused to do that. On that narrow basis, I also filed a complaint with California 's Department of Financial Protection and Innovation ( DFPI ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for loan with XXXX , XXXX . It check my credit, it provided my credit scores to me on XX/XX/2020, It provided on that report Key Factors That Adversely Affected Your Credit Score, " TOO MANY XXXX XXXX XXXX ACCOUNTS. '' This quote was shown for both XXXX  and Equifax but not XXXX. I've never had such an account, and such accounts are normally associated with people who can not get low interest loans. My scores in the 800s. 

In tracking the cause down, I asked for and received 3 credit reports, one from each of the credit bureaus about XX/XX/2020. None of these reports showed any XXXX  XXXX  XXXX  ACCOUNTS. In speaking by phone to representatives of these entitities, they agreed that that my credit report did not show any such accounts but could not explain how that information was reported. Each also denied that it had any other report on me, which is contrary to conversations I had with FICO and CFPB representatives. I am unsure who is right but matters not. 

Everyone denies but no one can explain how adverse information got reported. I also spoke with a representative at XXXX XXXX XXXX who also denied knowing where this info came from and pointed to FICO. XXXX denied knowledge a few days ago but promised to call back after checking further but never did. Today, XXXX, Equifax denied any knowledge of how that info got reported. 

I chose to caption this as a consumer report as I've been led to believe that a consumer credit report, other than the actual credit report exists at the credit bureaus. Whether it does or doesn't, somebody needs to figure this out.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the equifax data breach.i want these items deleted from my credit reports effective immediately. I am attaching proof that equifax had admitted that I was in fact a victim of the data breach and equifax had done nothing. Please help me delete these illegal accounts from my credit reports. Here are the accounts. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXr XXXX XXXX