23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am exercising my rights as a consumer to properly verify this account, XXXX didnt provide me the method of verification they did about this XXXX XXXX account it probably was some form of number code sent over to the CRA and that was good enough well according to Section 609 of the FCRA a company has to prove and provide the proper documentation with a original signed contract with my signature. I reached out to XXXX XXXX  and this is what they sent me ; Ill attach documents. These documents anybody could have printed these up and put my information on here. One statement and a made up looking electronic application. Please provide me with an agreement contract and my signature states section 609 of the FCRA. This is my 3rd round with XXXX  addressing this as a complaint. I disputed this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have reached out to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Experian 3 times because they are inaccurately reporting an account as a current charge off in XXXX and XX/XX/XXXX but the account was closed and paid in XXXX. I reached out to XXXX XXXX to have this corrected. They stated they updated my credit reports but it did not correct my Experian report. I have been waiting for over 60 days for this correction to be made and at this point I have missed out on opportunities to open a checking account and other credit products because this reporting that XXXX XXXX admitted was incorrect has dropped my XXXX XXXX by over XXXX points. This unfair reporting is now XXXX me financially. I have filed a credit dispute and filed with the XXXX with no correction to my report. Attached is the letter from XXXX XXXX admitting the information was inadvertently reported. Please delete this inaccurate reporting.
Product: Credit card or prepaid card

XX/XX/XXXX {$1800.00}, CREDIT BALANCE REFUND DEBIT.

So basically I made an extra payment for that amount and bank of America told they sent a check, but I told them to do a stop payment against it as I was flying for a vacation to XXXX, I called in once I came and they say the check is cashed, But I want you guys to tell them to match the signature on the check with bank records to determine the case. 

Thank You
Product: Credit reporting or other personal consumer reports

Report of Unfair Collection Practices and XXXX XXXX XXXX Credit Bureau On XX/XX/year>, I made a full payment of {$XXXX} to XXXX for a debt I owed. XXXX has confirmed receipt of this payment, and the account was settled in full. 

However, Caine & Weiner, a collections agency, later contacted me claiming I still owed money. They reported a balance of {$XXXX} on my XXXX credit report, asserting that I had paid only {$XXXX}, which is inaccurate. In an email from a Caine & Weiner representative, they stated I owed {$XXXX}. Despite this, they reported a balance of {$XXXX} to the credit bureaus, which is also incorrect. 

This discrepancy suggests that Caine & Weiner is misrepresenting the debt and attempting to charge me more than what I owe while providing false information to the credit bureaus. These incorrect claims have negatively impacted my business credit rating. 

Actions Taken : XXXX. I made the full payment of {$XXXX} to XXXX on XX/XX/year>, and XXXX has acknowledged the payment. 

XXXX. Despite this, Caine & Weiner reported the incorrect amount owed to the credit bureaus, leading to damage to my credit rating. 

This false reporting has caused harm to my business credit, affecting my ability to secure business opportunities and creating unnecessary financial strain. I am requesting that the CFPB investigate this matter and assist in having the false information removed from my credit report. 

Thank you for your attention to this issue.
Product: Debt collection

Refer to prior complaint number # XXXX against Caine & Weiner for previous history. 

Update and new issue - XXXX XXXX had turned me over to Caine & Weiner on a matter of identity theft and fraud. I filed a complaint on XX/XX/XXXX against Caine & Weiner as it is unlawful to turn a fraudulent matter over to a collection agency and it should have never been turned over to begin with. 

Caine & Weiner responded to the CFPB onXX/XX/XXXX and stated " Closed with explanation - Prior to receipt of this complaint and based upon our conversations with the consumer our office has closed our file as disputed to allow for the consumer and the creditor to resolve the spite amicably. No information has been reported to the credit reporting agencies. The consumer is encouraged to contact our main office at XXXX and ask to speak with a manager if there are any additional questions regarding the account assigned to our office. The consumer is encouraged to contact the creditor directly with any additional questions regarding the status of the creditor 's file. '' I have been in constant communication with XXXX XXXX since, and they said they rectified the issue on their end. 

Today,XX/XX/XXXX, XXXX months later, I receive a letter from Caine & Weiner dated on XX/XX/XXXX that the account was paid in full. 

This is insane. There was no account to begin with! This should never have taken place as XXXX XXXX had no right to turn me over to a collection agency as it was a matter of identity theft and fraud! 

How can an account that was closed as disputed due to fraudulent identity theft be suddenly paid in full? 

I called Caine-Weiner, and they stated that the account showed as " PAID '' and not closed!
Product: Mortgage

I applied for a 30-year mortgage refinance with Better Mortgage  Corporation on or about XX/XX/2020. Was notified by the company of a pre-approval with a rate lock of 2.75 % and provided a GFE for closing costs. I was informed by the company that an onsite property appraisal was not necessary and I would be receiving a waiver but my credit card was charged {$550.00}. 

I provided all loan application documentation requested via either upload to the Better.com website or email, nearly all of it within 72 hours of application date. Subsequently informed by the company that the loan was in underwriting. I then received 2-3 adjustments to the original GFE with significantly higher closing cost estimates based on bogus property tax figures. I made the company aware of this and requested a corrected GFE. This has not been provided and I am no longer receiving communication or return phone calls from the company.
Product: Money transfer, virtual currency, or money service

I sold a guitar and issued an invoice through PayPal, which was promptly paid by the client. What PayPal didn't tell me was how their fee structure worked at any point during the invoicing process. I figured I would get some kind of breakdown if any fees were to be involved. I'm sure it was buried in the terms and conditions somewhere. I issue and invoice for {$1800.00} and boom, {$79.00} in fees. I'm somewhat upset, but I can deal with it. PayPal stated up front that it would take up to 21 days for my funds to be available, unless I provided them with tracking information. Upon XXXX delivery I'm supposed to get my funds within 1 day. I don't know about PayPal world, but on planet Earth, 1 day = 24 hours. 24 hours after confirmed delivery by XXXX  and my funds are still on hold. No humans to talk to on the robot phone line. Sitting in an online support chat window that states " The estimated response time is a few hours. '' I'm sitting here wondering, what the heck did I pay {$79.00} for? There's no service available to respond to what feels like a real issue. The federal government sent me a check for {$2900.00} in stimulus money for having three pulses in the house, but I can't get PayPal to deposit money in my bank account for doing ACTUAL WORK. Other consumers need to be aware ... I'm sure PayPal is busy figuring out how to scrape the maximum amount of interest off of an interest free loan from an ordinary consumer.
Product: Credit reporting or other personal consumer reports

I request that XXXX investigates my case and removes incorrect information that was noted on my credit scores. XXXX claims that my payments were not made on time and the account was noted as a loss with a " Chargeoff '' and " Repossession '' - all my payments were made ahead of schedule as shown in documentation provided and statements issued by XXXX that show no outstanding balance or late fees. In fact, XXXX just issued me a refund on XXXX for the sell of the car which shows that my account was not at a loss. Also, on calls with XXXX from the XXXXXXXX XXXX  XXXX Department, she confirmed that XXXX issued repossession due to internal paperwork ; not because I defaulted on my account. XXXX was aware of the ongoing issues with the party at fault not responding to damages of my totaled car and was aware of the separate lawsuit that was filed. While the lawsuit with the party at fault was ongoing, XXXX asked to pick up the totaled car from storage to auction it off and the sale price would be credited to my account- the agreement was for XXXX to pick up the car and I would continue to make my payments so that XXXX would not report anything to the credit bureaus ( as noted in total loss statement from XXXX and provided in documentation ). I did not default on this promise and XXXX has not kept their word and instead issued negative derogatory marks on my credit scores. XXXX from XXXX has not responded in writing to my XX/XX/year> email ( email provided in documentation ). XXXX has misled me and has not held their end in following their due diligence. They need to own up to what they agreed to on phone calls and remove all negative derogatory marks on my credit scores.
Product: Debt collection

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account AMSHER COLL with a balance of {$360.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. 
The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports.The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion. These late payments are erroneous and do not accurately reflect my payment history for XXXX XXXX Account # XXXX. ** Complaint Details Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. This account was refinanced and should reflect a history of timely payments. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of this late payment violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness.

Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of an incorrect late payment may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : I assert that these reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports to ensure maximum accuracy. Under articles 616 and 617 of the FCRA ( 15 U.S.C. 1681n and 1681o ), willful and negligent noncompliance could result in civil liability, including actual damages, attorneys fees, and potential punitive damages.

Discrepancies in Payment History TransUnion : Shows incorrect 30-day late payment statuses in XXXX and XX/XX/year>. My records indicate that payments were made on time. 
XXXX and XXXX : No late payments reported ; however, the errors in TransUnions reporting affect my creditworthiness across all bureaus.

Requested Resolution I request that TransUnion conduct a thorough investigation into this matter and remove any inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Attachments Identification ( ID ) Social Security Number Relevant Documentation Related to the Account Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XX/XX/year>
Product: Money transfer, virtual currency, or money service

Dear Support, I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account, which I believe was made in error. My account 's email address is XXXX and I would like to appeal this decision and request that you re-investigate my case. 

I want to emphasize that I have never violated any PayPal policies, and I believe that this limitation is a result of a misunderstanding or an error. I am confident that upon further investigation, you will find that I have complied with all of your terms of service and have never engaged in any prohibited activities. 

I urge you to carefully review my account activity and consider the possibility that a mistake has been made. I would like to ask that you restore my account to its previous state if possible. I understand the importance of maintaining a safe and secure platform for all users, and I am committed to cooperating with you to resolve any issues that may arise. 

I respectfully request that you take the necessary steps to investigate my case thoroughly and restore my account if it is determined that the limitation was made in error. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

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

XX/XX/XXXX and XX/XX/XXXX is showing late on my Equifax report. I disputed those two months with XXXX XXXX. XXXX XXXX waived the months of XX/XX/XXXX and XX/XX/XXXX per a good will letter due to my health to paid as agreed. The updated letter was sent to all three credit bureaus. XXXX and XXXX followed suit and updated my credit report. However, Equifax did not as they normally do not update accurately again.
Product: Credit card or prepaid card

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I, therefore, request that it be closed immediately. I also request that NFCU absolves me of all charges on the account ending in XXXX recently changed to XXXX by NFCU. Also, request that you take all appropriate steps to remove information about this account from my credit files. XXXX  and XXXX have removed this fraudulent account yet NFCU continues to report false account information to my XXXX file. 
Enclosed is a copy of my Identity Theft Report supporting my position, and you have a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also please reference FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). 
As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and concluding actions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$4500.00} This company is still reporting to my credit profile and its causing issues with my profile and score this was closed and I will like for it to be removed from credit report effective immediately XXXX XXXX  {$1300.00} This company is still reporting to my credit profile and its causing issues with my profile and score this was closed and I will like for it to be removed from credit report effective immediately XXXX XXXX  {$650.00} This company is still reporting to my credit profile and its causing issues with my profile and score this was closed and I will like for it to be removed from credit report effective immediately All these account are closed and should be removed from my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I disputed a debt placed by Online information services. XX/XX/2019 Equifax closed the dispute verifying the debt. The debt is not in question. The debt is fromXX/XX/XXXX, XXXX. I haven't lived in XXXX since XXXX, I live in XXXX, so how could I have an electric bill in XXXX? My credit report shows I just incurred this debt ( I already paid it. XXXX) It was a billing error I thought was corrected. It was bought by Online Information services and reported as a NEW debt. This is called "reaging" a debt. It is highly illegal to report old debt as new. Equifax obviously has no regard for Consumer Reporting Protection Act.I have attached my drivers license as proof I live in XXXX and have since XXXX. No way could I have incurred an electric bill in XXXX in XXXX
Product: Mortgage

Wells Fargo Bank, which owns our mortgage, conducted an off-cycle escrow analysis which we did not request. Though the bank 's stated reason was that our home insurance cost had substantially DECLINED, the " analysis '' demanded an INCREASE in our mortgage, payment on which is and has always been current. The bank has since applied the increase to our latest mortgage bill despite acknowledging in several phone calls by me to its " Executive Office '', that it can not verify the figures in the analysis and " has not had time to research '' them. 
Wells Fargo had, one month prior to my receipt of the new " analysis '' on XXXX XXXX, XXXX, made an overpayment to our home insurance company. Through a rather time-consuming process I had reimbursed this {$420.00} overpayment to Wells Fargo Escrow Department. Despite my bank recording that Wells Fargo cashed that check from me on XXXX XXXX, its " Executive Office '' would not confirm receipt of it to me on XXXX XXXX, one week later. 
Wells Fargo 's " Executive Office '' after two lengthy discussions, on XXXX XXXX and XXXX XXXX, refuses my request, to set aside the false and unrequested " analysis '' and to revert to our previous monthly mortgage amount pending the next regular escrow analysis in XX/XX/XXXX.
Product: Vehicle loan or lease

I bought a new XXXX XXXX XXXX XX/XX/XXXX. It's been returned for engine light on XX/XX/XXXX, XXXX, XX/XX/XXXX for purge valve replacement, XX/XX/XXXX engine light again, XX/XX/XXXX engine light again, stayed in repair until the XXXX for charcoal canister replaced. XXXX idle low truck stalled after starting dealership said it was fine at XXXX rpm. XXXX truck leaking fluid from front and back of muffler and XXXX other place towards front of engine profusely, dealership said it's normal. This truck is not made correctly I have asked that Ford XXXX buy it back or the dealership give me a new one that is not a lemon.
Product: Debt collection

Itemized chart of how the total amount ( XXXX ) was added up and how that number was calculated and where in the lease that was stated. I have done this multiple times via letter to verify the debt and through experian as well. I was never informed this was placed on my credit originally as well.
Product: Debt collection

In early 2020, I was informed of this debt from IC systems representing XXXX XXXX XXXX  when I was in the process of buying a home. The debt did not belong to me so I followed protocol and procedures and sent them my Information and filled out their fraud packet. I also contacted XXXX and provided a police report and it removed within a few days as well as flagged as fraud from the collection company. This morning it was submitted on my credit report but for a different amount. I contacted them right away and was apologized to regarding it severely affecting my credit report and that it would be removed. I also contacted XXXX and they requested for me to fill this form out so they can block this company from being submitted to my account again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 Accounts that have been paid off and they are showing derogatory on my credit and I will like them deleted for reporting incorrect information, XXXX XXXX XXXX and a XXXX XXXX account I need help in getting this updated or removed from my credit profile