23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XX/XX/2024 XXXX. I loaded the PayPal app onto my iphone. There were a series of questions that came up. SS #, Income, etc. Then I clicked submit, assuming that I was consenting to the PayPal account opening. Then I got a notification congratulating me for opening a PayPal Master card account. I WAS TRICKED INTO DOING THIS. No mention of the XXXX  card until my approval of a card I did not apply for. 

On XX/XX/XXXX, XXXX I called the XXXX card company to find out why I was tricked into opening this card. I closed it immediately. My credit report suddenly took a dive of XXXX points, as there was a new inquiry. An inquiry that I did not authorize. I was told that it would take 60 days to resolve this. 
This is unfair to consumers who have no intent to open a credit card, and it is done with misrepresentation. It's a fraudulent way for the company to gain new credit card customers.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Texas XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I was reviewing my credit report and found several addresses that appear to be incorrect. I have attached documentation providing proof of my current address, as indicated on your website. 

To facilitate the removal process, here is a list of incorrect addresses I currently see in my report ( which I would like to be removed ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA There should only be one address in my report, which is : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, Texas XXXX. 

I also noticed that my name appears to be misspelled on my credit report. My name has only one correct spelling and there should be no variations listed because my name does not have any variations. I have attached my photo ID to show the correct spelling. 

Once again, to facilitate the removal process, here are the incorrect spellings I see in the list : XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request the removal of the incorrect employers listed below : XXXX XXXX XXXX XXXX XXXX XXXX The only job I need listed is : Route Delivery, XXXX XXXX XXXXXXXX XXXX XXXX I kindly request that you delete this negative account as I am facing difficulties in ensuring my report is clean in the best possible way in order to continue with my legal process. 

Once the incorrect names, addresses, and employers have been removed from my credit report, please send me a copy of my updated credit report. 

Thank you for your attention and assistance in resolving this matter promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : Photo ID Proof of current address
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in response to XXXX recent correspondence related to my account. The Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account it chooses from the credit report. I an requesting XXXX to do that in my case for this account. 
This debt is over XXXX XXXX XXXX. XXXX closed they business in XX/XX/2010 and still they are reporting this debt. 

On XX/XX/2010 XXXX XXXX agreed to make account current and remove all negative marks from my personal credit file. At this time, I called back XXXX because I did not received the written document and this is when I learned that XXXX shut down their operation and refused to make any changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

no knowledge of authorizing anyrthing for this account
Product: Mortgage

Due to the lack of urgency, Planet Home Lending LLC has failed the HOEPA law for home owners ' fees and late payment reporting. 

We will be contacting the CONSUMER FINANCIAL PROTECTION BUREAU, providing us another legal branch. 

We have volumes of emails, notes and proofs of payments with Planet Home Lending , LLC. 

Planet Home Lending 's predatory solution to moving from XXXX XXXX forbearance, to a COVID forbearance, is a substantial increase in a mortgage payment and no guarantee that Planet Home Lending , LLC is able to properly appropriate those mortgage payments. To reiterate, we were in the process of securing a refinance of our Planet Lending, LLC mortgage when AGAIN you negatively reported to the credit agencies! 

As an FHA mortgage holder we possess extra protection from your predatory actions ; we have MORE options for coming out of a forbearance that a standard mortgage holder. 

Law so states, Planet Home Lending , LLC has responsibilities to provide ALL options ; to correct ALL negative credit reporting ; AND to take-on the responsibility to track-down LOST PAYMENTS AND APPLY THEM TO OUR LOAN. Natter, R. ( n. d. ) Home Ownership Equity Protection Act of 1994. American Bar. 

We will be including in our report to the CONSUMER FINANCIAL PROTECTION BUREAU the lack of any response from you, XXXX XXXX, and the individuals that are involved in Planet Home Lending 's void offerings for solutions to LOST PAYMENTS, LOST ESCROW PAYMENTS, LYING ABOUT FORBEARANCE SOLUTIONS AND CONSISTENT INABILITY TO RESPOND TO OUR EFFORTS TO MOVE FORWARD. 

We are requesting, on behalf of the CONSUMER FINANCIAL PROTECTION BUREAU, ALL the phone call recordings relating to our loan. This is part of the discovery for the CONSUMER FINANCIAL PROTECTION BUREAU.
Product: Debt collection

While attempting to purchase a house this month the mortgage company found an account in collections. The amount was less than {$30.00} and has currently been in collections for 10 months. We have never been contacted. No phone calls or letters. In other words we did not know that we owed money or were in collections. The lender and I contacted the collection agency to try to resolve the issue. They claimed that have sent " numerous '' letters to us and none of them have been returned. 

They are using an address that we have not lived for 7 years. That fact was of no interest to them. They were not willing to help us remove the account even if we paid it off. 

How do we prove whether they had mail returned to them or not? 

How can we possibly prove that they have never called us? They can have no recorded calls with us, as we have never spoken to them. 

All we can prove is that they had an address that was outdated by 7 years.
Product: Credit card

My Dell Financial account was transferred to : Comenity Capital Bank XX/XX/XXXX without my knowledge. 

On XX/XX/XXXX, I received my first letter from Comenity XXXX XXXX  advising that I was past due but I do not agree, as my account was setup on automatic payments for the past 11 years, and I have the complete ability to pay, with no financial issues. My automatic payments were cancelled without my knowledge and consent. 

I had no way to protect my credit account due to no phone calls made at all. 

The CFPB, FDCPA, and typically company policy requires at least one collections attempt per 30 days and I have not received ANY collections calls or STATEMENTS in the last two months, or demand for payment. 

When I called and spoke to an agent on XX/XX/XXXX, I was not read any collection XXXX rights and I was not told it was XXXX until I asked specifically. 

The agent agreed to waive my late fees due to the issue but would not review my credit report harm, which I was told they will be reporting me as 60 days past due. 

Please review to remove all credit marks and late fees. Please remove all additional accrued interest as I would not have been charged extra interest had the company not cancelled my auto payments.
Product: Vehicle loan or lease

On XX/XX/XXXX, I called Wells Fargo Auto to pay off my Auto Loan because I was unable to pay off the loan offline due to their system not allowing that. They confirmed the pay off and gave a transaction number of XXXX. The amount ( {$42000.00} ) was debited from the account on XX/XX/XXXX as well as an " interest adjustment '' of {$150.00}. On XX/XX/XXXX, the pay off was reversed for some reason. They said it was because the account information was incorrect, but it was not. Since XX/XX/XXXX we have been getting charged $ XXXX AND they charged us back the {$150.00}. I went into a WF branch on XXXX and after working with them for over an hour, they advised sending a cashier 's check to pay off the loan which is what I did. I am requesting the {$150.00} amount as well as the $ XXXX interest be returned to us as there was a clerical error on their side that reversed the payoff amount. They do not want consumers to pay off their loans because they want to continue collecting interest. They also should have allowed this payoff to occur online vs. calling in.
Product: Credit reporting

Experian refuses to investigate or correct reporting on my report for dell financial. they will not allow me to dispute it when I try and it is showing a balance when it should notit was discharged in a ch XXXX bankruptcythey also have XXXX other accounts showing a balance that I could dispute that were also included in the ch XXXX they have not replied with answers to these alsothey are XXXXI have attached the credit XXXX showing they were listed and the copy of dicharge
Product: Credit reporting, credit repair services, or other personal consumer reports

The information listed below is being reported on my credit profile incorrectly, I've asked the bureau 's to remove the inaccurate information numerous times but I have yet to receive a response. I would like for Experian XXXX and XXXX to do a thorough investigation on incorrect accounts reporting on my profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX negative XXXX opened XX/XX/XXXX Balance {$800.00} Status Collection account. {$800.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$710.00} Status Collection account. {$710.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Collection account. {$1300.00} past due as of XX/XX/XXXX. 
Important Messages
Product: Money transfer, virtual currency, or money service

On the XXXX XXXX. I initiated an international wire transfer of {$13000.00}, ( XXXX XXXX XXXX XXXXXXXX ) from my XXXX XXXX XXXXXXXX XXXX my XXXX XXXX account through JP Morgan Chase in XXXX  . My local bank in XXXX, ( XXXX ) confirmed to me that the funds arrived with JP- Morgan Chase in XXXX on the XXXX XXXX. Since then the funds have being sitting there without JP Morgan taking any action to forward the funds further to my XXXXXXXX XXXX XXXX  account. 
I have passed on the transaction information to XXXX treasury department who have tried to track the funds but failed to receive a reply from JP Morgan. My bank has also contacted JP Morgan and requested a wire recall of the funds back to my account, but that has also failed and JP Morgan do not reply to any of the requests by either party. 
I have also tried contacting JP Morgan customer service but they informed they can not assist as I should login and contact them there. I explained I'm not a direct customer nor resident to which I received a reply there is nothing they can do and I should contact my local bank. 
since JP Morgan has also accepted the wire transfer my XXXX XXXX  can not reverse the wire. 

I have attached the proof of wire transfer statements below for proof of transfer. XXXX  treasury department has also received these.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX. XXXX : Account Number : XXXX Original Creditor : XXXX XXXX XXXX To whom it may concern, XXXX XXXX XXXX XXXX a subsidiary of XXXX XXXX has had 728 XXXX XXXX XXXX Complaints in the last 3 years and 36 complaints filed with the CFPB recently. Errors are being made and it is defamation against me which is costing my family money and making me XXXX  ; my families blood is on their hands and they don't care because I'm just a poor XXXX man. I'm not XXXX though and I will save to fight this in court. On multiple occasions I requested proof of this debt with from Transunion. Absent such proof, they must terminate this from my report, and correct any erroneous reports of this debt as mine IMMEDIATELY. Their continued silence in this matter is unacceptable. Either provide the proof or correct the record and remove this invalid debt from my credit report ITS SO SIMPLE AND SEEMS " FAIR '' AND CORRECT!!! This is a request for the REMOVAL OF THIS ACCOUNT FROM MY REPORT! I have copied the XXXX XXXX XXXX, FTC & Attorney General of Washington and the CFPB. I will be taking legal action against Transunion if this erroneous item is not removed from my report. Sincerely, XXXX XXXX
Product: Consumer Loan

I co-signed my son 's car loan ; a few months later, I received a call stating that my son was more than a month late on his payment. I requested at that time to start automatic deductions from my bank account ; I made the payment which was behind, and I provided all my contact information including cell phone, email address, and mailing address. I requested to be notified if anything happened with this account, and setup the automatic deductions immediately. I also included this car on my XXXX policy. About a year ago, I told my son to go ahead and get an insurance policy on his own since I was paying too much between his car payments, my car payment, and both insurance coverages. I confirmed with him that he has done so, and I continued paying for the loan. I monitored the account to make sure that payments were being deducted monthly, and when I changed banks, on XX/XX/2016, I noticed that the automatic deduction was not honored, I called and make a manual payment. I called Capital One ( the financial institution ) to apologize and explain to them that my bank, XXXX takes awhile to start the automatic deductions. On XX/XX/2016, my son had a car accident ; then, I found out that the car did n't have any collision coverage. Capital One was supposed to check to make sure that the car had the appropriate coverage ; they had my information and my son 's information so they could have called us to let us know to purchase the appropriate coverage. They are supposed to have a dedicated department to check for insurance and take the necessary precautions to preserve their own interests. However, they acted carelessly and when I called to ask them what can be done, their answer was, " well now you have to pay several years for a car you ca n't drive ''. It seems to me that they do n't care because they feel that it 's going to be the consumer 's problem.
Product: Debt collection

I visited the emergency room on XXXX. I was insured by XXXX XXXX. The emergency room physicians group ( XXXX XXXX XXXX ) has a had a problem trying to collect from XXXX XXXX. XXXX XXXX keeps denying the claim. XXXX XXXX XXXX wanted me to contact XXXX XXXX to get them to pay the claim. I can not force XXXX XXXX to pay a claim, and furthermore I have never been contacted by XXXX XXXX regarding this claim. All of this has been stated to XXXX XXXX XXXX in previous letters. XXXX XXXX XXXX has now sold the debt, which is not due from me to Pendrick Capital Partners, which is trying to collect the amount through XXXX XXXX XXXX. This is an attempt to collect a debt not owed. Rather then take the correct action to collect the debt, XXXX XXXX XXXX and Pendrick Capital Partners, have fraudfently tried to collect a debt from me that I am not liable for.
Product: Credit reporting or other personal consumer reports

I have recently conducted a thorough examination of my credit report from XXXX and was deeply alarmed to discover that I have fallen victim to identity theft. It has come to my attention that there are multiple inquiries listed on my credit report that I did not initiate or authorize. On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Mailing subpoena request to courts in counties that I do not work or reside in. Mailing those same documents to companies I currently have accounts with, asking for release of personal information and records, including banking information. Printing my SSN on documents that are being mailed. Mailing uncertified letters as offical notice. Refusing to send original account information for the debt supposedly owed. Not able to be reached by phone. Attempting to take legal action on an account that's older than 7 years. 

I have tried contacting the collector, requested original documents associated with the alleged account, contacted the court for which documents were sent, and asked that all communication cease. I believe these actions violate the fair debt and collections act, and may also be fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

last week i received a copy of my credit report and noticed several accounts that are listed on my report that never applied for never used i dispute these accounts and refused to remove these accounts are indentify fraud XXXX XXXX, XXXX, {$3800.00}, XXXX XXXX XXXX  XXXX, XXXX XXXX {$5200.00} XXXX ( XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX, {$2900.00}, ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, {$6100.00}, ( XXXX ) XXXX XXXX XXXX XXXX, XXXX, {$3200.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, {$5000.00}, ( XXXX ) XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, {$2900.00}, ( XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX, {$6300.00}, ( XXXX ) XXXX, dXXXX XXXX XXXX XXXXXXXX, XXXX, {$10000.00}, ( XXXX ) XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, {$16000.00}, ( XXXX ) XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX, {$16000.00}, ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, {$11000.00}, ( XXXX ) XXXX XXXX XXXXXXXX, XXXX, {$1500.00}, ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, ( XXXX ) XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Inconsistent Reporting of Active Account XXXX XXXX XXXX  I am reporting discrepancies regarding my account with XXXX XXXX XXXX. 
XXXX lists the account ( Account # XXXX ) as repossessed with a balance of {$3600.00} as of XX/XX/year>. 
Experian shows the last activity date as XX/XX/year> with conflicting balance information. 

Under FCRA 1681e ( b ), inaccurate or conflicting account details can misrepresent the status of my account. I request a review to ensure the information is updated accurately across all bureaus.

Thank you for addressing this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX and Equifax use an account ending in XXXX that was in repayment plan with this creditor to decrease my credit score in excess in an unfair way that decreased my credit score by XXXX points. This was an unfair discriminative behavior, this account is in a repayment plan I made a payment just yesterday on XX/XX/2024. The creditor action with Equifax was not reasonable and an abuse/adverse to my rights regarding the FCRA. In comparison to a recent change to my credit report with this credit bureau Equifax today, this should not have been reported. The creditor is not reporting in accuracy nor in fairness. Another issue with the creditor in violation is that when we agreed to setup payment arrangements in XXXX the payments was supposed to be taken out on the XXXX of each XXXX. This creditor XXXX XXXX XXXX XXXX started to take the payments out on the XXXX and XXXX of XX/XX/2024 earlier than agreed which was a violation of our agreement. Now they reported this payment as a collection and I just made agreed payment as a with agreement not to be placed as a collection with payment plan. My credit score was unfairly decreased. I feel this type of action on my credit report was discrimination and negligent. Both parties failed to exercise the proper care to taken action in reasonable regards to my credit reporting information. This is negligent, unfair discriminant behavior because I have proof on making the arrangements payment of {$37.00} on XX/XX/2024.
Product: Debt collection

On XX/XX/XXXX I have gave the apartment manager the letter of excuse from the XXXX XXXX XXXXXXXX where my mother was getting her XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and not able to care for herself, so I have been taking care for my mother. 

My mother has been discharged from the XXXX XXXX XXXX XXXX XXXX on XX/XX/2023, and I had to make a hard choice to either get her into XXXX XXXX XXXXXXXX care or XXXX XXXX for her learning that skill. I've decided to care give for her because XXXX said No, she made too much, because she sold the House and her Car within the 5 Year period. 

So that is the reason why I had to move, the apartment wasn't safe for a senior with XXXX, XXXX XXXX XXXX. so they accepted the letter, But I had to pay fees, totaling XXXX, and they wanted it paid in full, no payments at all, so I told them that's impossible, so i told them I will not be able to pay it, and should not be billed at all with the XXXX XXXX  to terminate the lease, including any fees related. 
I also had XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to attend to, along with several medical bills to pay on top of regular expenses as in rent, car payment, cell bill, etc. that's what makes it impossible to pay that payment that should of not happened in the first place and its not fair. Its hard enought to joggle all this responsibility on one 's self.
Product: Debt collection

XXXX XXXX home had a month to month contract through the Business We contacted the Representative for the company to provide a new quote. His quote was with another company not XXXX and was to high. He told us not to use XXXX XXXX. We got several Quotes. We notified the XXXX  XXXX representative and we called XXXX XXXX Directly. We sent in a notice of cancellation. We called and asked the final amount due. We paid in full the final amount due, wrote this on our payment payment in full. 
XXXX XXXX has now sent out a personal debt collector on me in a fraudulent amount of {$1300.00}. They have also sent this to collections in my personal name and I did not personally or individually sign up for services through XXXX XXXX. 
They have called my cell and repeatedly harass me. They have created a huge debt which is fraudulent and factually incorrect.
Product: Mortgage

On XXXX XX/XX/XXXX, I notified Freedom Mortgage that they were not making the required escrow payments to my insurance company. On XXXX XX/XX/XXXX, I contacted them again. On XXXX XX/XX/XXXX, I informed them to stop escrowing for insurance as I would pay myself. 

In XXXX of XXXX, I noticed that my escrow payments had increased significantly. Since the only charges on my escrow should be property taxes, I requested an escrow ledger from Freedom Mortgage. Upon reviewing the ledger, I noticed a fraudulent transaction removing funds from my escrow without my consent. I brought this misappropriation of funds to Freedom Mortgage 's attention, but they refuse to credit my account, claiming they took out additional insurance on my behalf without my consent. 

Freedom Mortgage has shared an internal electronically generated document from their company that they believe constitutes notice. I have asked for the signature receipt from the mailing of the notice to myself and my insurance broker and they are unable or unwilling to provide actual evidence of their alleged notice to remove these funds without my authorization. 

I did not authorize this withdrawal and Freedom Mortgage does not have the right to remove money from my escrow account for illegitimate purposes.