23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Im continually contacted by individuals claiming to have legal documents that are being filed against me, or I will be arrested for Theft By Deception in regard to an old debt. The callers ask for me by my married name which I have not used since XXXX. The debt is one that the original creditor took me to court for in XXXX and I have heard nothing on the case since a date in XXXX where the creditor improperly garnished my bank account and the Judge found in my favor and I was refunded what was removed from my account. The debt has been removed from my credit report. 
The callers threaten me with having people come to my home and serve me legal documents, and have made claims that I have a warrant for my arrest for Theft By Deception. I have contacted local law enforcement and the court and no actions are being taken against me. 
I have requested several times for these calls to stop as I do not owe the debt. The collectors are very rude and accusatory. I just want the calls to stop, i do not owe this debt, and Im not paying them anything.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, which resulted in a fraudulent account being opened with XXXX XXXX XXXX. This account does not belong to me, and I had no involvement in its creation. 

Details of the Fraudulent Account : Company : XXXX XXXX XXXX Fraudulent Amount : {$30000.00} Fraud Began : XX/XX/year> Discovered : XX/XX/year> I filed a dispute with Equifax and submitted supporting documents, including my FTC Identity Theft Report, drivers license, and proof of address. However, this fraudulent account remains on my credit report. 

This inaccurate information is harming my credit history. The FCRA mandates the removal of unverifiable and inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was enrolled in school and did not have to pay back my loan st the time. However, I got charged a late fee. Ive tried getting this resolved but the late fee shows up. Being that there are various XXXX  loans it shows as if I have various late payments its not accurate or fair that this is on my credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ACCT NUMBER XXXX DATA BREACH OCCURRED, IDENTITY THEFT
Product: Debt collection

I do not owe a debt to this collection agency. This collection purchased this debt from another collection agency I had removed on my credit and have been on my credit report for over six years. Statue of Limitations for Virginia requires this collection agency to stop trying to collect a debt thats not mine.
Product: Credit reporting

MY CREDIT SCORE WAS XXXX ONE MONTH AGO - IT XXXX TODAY. I CHECK IT EVERY MONTH. NOW NOTHING HAS CHANGED. NO BALANCES HAVE WENT UP. NOTHING HAS BEEN LATE AND NO INQUIRIES. THIS NEEDS TO BE ACCOUNTED FOR ASAP.
Product: Debt collection

Received a number of annoying calls. Never tried fixing the problem, I usually just ignore them or pick up phone and then hang up
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the validity of debt on some accounts, and I 've disputed numerous erroneous names and addresses listed on my credit report, all of which are affecting my credit score. XXXX, XXXX and Experian have failed to remove the erroneous information or provide to me the proper evidence of the disputed accounts validity that they received from the creditor which caused the agencies to update my reports to show that the debts were validated per FCRA. The accounts in question were reported by XXXX XXXX, XXXX XXXX is for {$390.00} with original creditor listed as XXXX . The other one reported by XXXX XXXX, XXXX is for {$4300.00} with original creditor listed as XXXX  XXXX. I never received any form of documentation from the original creditor or XXXX XXXX, XXXX. to provide competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay them. However, for the account with an amount of {$390.00}, I did receive a letter ( over a month after my original dispute was submitted to Credit Bureaus ) with an account summary report from XX/XX/XXXX to XX/XX/XXXX, in my  maiden name of XXXX XXXX, which I have not gone by in almost 20 years, but the summary report is not proper documentation proving the debt is valid and is also not competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay them. This letter and statement are attached. I have never had a signed contract, or any type of contract with XXXX XXXX, XXXX. I have never done business with XXXX XXXX, XXXX.
Product: Money transfer, virtual currency, or money service

To whom it may concern, We used Paypal as a payment processor on our website and suddenly after six months of using their service, they sent us an email on XX/XX/2022 stating that we can no longer do business with PayPal because we're in violation of PayPal 's Acceptable Use Policy. Also, they held our balance of over {$51000.00} for six months which caused our business many financial hardships. The money has been on hold for over 3 months and we can not wait any longer because we may lose our business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine including a XXXX XXXX XXXX. I have never been put on XXXX XXXX. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. 

XXXX XXXX  XXXX XXXX {$890.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I belive I was sent through email/mail offers for new credit cards that falsely said I was pre-approved, giving me hope that my credit was on the rise to then drop XXXX or more points when I tried to apply.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/XXXX 2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Money transfer, virtual currency, or money service

I have an account with Robinhood. I decided to close my account and get my money back. I was trying it for several days. First, the company 's web site doesn't allow to link my account where to transfer my money. I was waiting for the security code for days. It never came in my Inbox. The company doesn't publish their phone or email. There is no way to contact customer service. I found tons of similar complaints from customers like me on XXXX. Also, there several alarming article about Robinhood on XXXX, XXXX, XXXXXX/XX/XXXX and etc. 

Please help to get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the listed account down below has violated my federal, consumer rights to privacy and confidentiality under 15 USC 1681. 
**XXXX  XXXX  Account # XXXX- Has violated my federal, consumer rights. 
1 ) 15 USC 1681 Section 602A- I have the right to Privacy 2 ) 15 USC 1681 Section 604A- A consumer reporting agency can not furnish a account without my instructions.

3 ) 15 USC 1681c. ( A ) ( 5 ) Section- No consumer reporting agency may make any consumer reports- containing any of the following items of information. Any other adverse item of information, other than records of conviction of crimes with antedates the report by more than seven years.

4 ) 15 USC 1681S-2 ( A ) ( 1 ) - A person shall not furnish any information relating to a 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

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items arebeingreported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 


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

In response to the three accounts XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, and XXXX # XXXX, that were deleted from my Equifax consumer files on XX/XX/2021, multiple FCRA violations have been committed on behalf of Equifax in regards to my consumer rights and their inability to notify me of these item 's reappearance on my credit report. Such violations have caused my XXXX score to drop significantly and has hindered my ability to attain credit products. I have attached screenshots of my drop in XXXX scores along with a credit card denial letter from XXXX XXXX XXXX in which the main reason for denial was a serious delinquency, as such delinquency, which was caused by Equifax 's lack of due diligence in regards to their FCRA responsibilities. These three accounts reappeared on my Equifax report on the following dates, XX/XX/2021, XX/XX/2021 and XX/XX/2021. I have not received any communication that Equifax has received any new documentation urging them to reinsert these accounts from the original creditors. Simply saying that they have new information does not suffice, as I, the consumer, must have proof of this new documentation, which I have never received. I have only received a notice saying the three accounts were reinserted, with no true proof that an investigation was conducted nor new documentation found justifying their reinsertion. Neither did I ever authorize these reinsertion which constitutes to the following FCRA violations : 1. FCRA 611 ( 5 ) ( B ) ( i ) 2. FCRA 611 ( 5 ) ( B ) ( ii ) 3. FCRA 611 ( 5 ) ( C ). Procedures to prevent reappearance I, XXXX XXXX XXXX, have every reason to believe that Equifax has not maintained reasonable procedures to stop this account from reappearing on my credit report within these three federal statutes : As I was never made aware that correspondence was ever made between Equifax and the three listed accounts after XX/XX/2021, when the items were initially deleted and between when the items reappeared. Equifax has sent me notices via mail saying the items were verified. Yet no explanation as to how they were able to verify this information was included. I have reason to believe that Equifax has conducted no reasonable investigation into the reinsertion of these accounts. My consumer rights have been violated and I am prepared to file suit against Equifax in small claims court pursuant to FCRA 616 and FCRA 617 if these three items are not promptly deleted from my Equifax credit profile. I urge that you make Equifax aware of the amount of compensatory damages totaling {$3000.00} that I am owed as a result of their negligence and FCRA noncompliant behavior n regards to FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] FCRA 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ]
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : XXXX : XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} - XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} - ChargeOff Equifax : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} - XXXX  XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} - ChargeOff XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX  ) Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} - Collection XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} - ChargeOff
Product: Debt collection

While I was XXXX overseas in XX/XX/XXXX my wife ( at the time ) opened up at Paypal Credit Card with my personal information without my consent or knowledge and without having a Power of Attorney. She spent upwards of {$5000.00} and I was never notified or told about this until XX/XX/XXXX. Paypal Credit called me to collect this debt in XXXX of XXXX and told me that since I was married at the time of the account being opened that I am still responsible for paying the debt. I filed a police report and had the account closed and investigated for fraudulent activity but XXXX has denied my claim multiple times saying that they will outsource the debt to a Collection Agency who will report this to my Credit. I  did not receive any merchandise and had no knowledge of this account being opened prior to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXX 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

I filed complaint # XXXX with CFPB regarding my HELOC serviced by XXXX XXXX XXXX They acquired the loan from Bank of America and serviced it for almost ten years The loan is resetting to a payment just about double my current my payment which I can barely afford now.
XXXX never reached out to me as recommend by the OCC, about a loan modification I may be eligible for. They knew the hardship I was going through, XXXX and on fixed income at 1/2 my salary when I took out the loan I am awaiting a response to my complaint when I received a letter from XXXX that they gave my loan back to Bank of America. This transfer should not cancel my current CFPB complaint but going forward the new lender should now respond to CFPB as to why my loan modification never happened or is under immediate consideration as this has been going on long time Either way Bank of America is now responsible and I need to know why I have been so mistreated by these lenders. I am struggling to make payments, borrowing from others.
Product: Money transfer, virtual currency, or money service

The issue I have is with my bank Wells Fargo. 

XXXX XX/XX/XXXX : I made a wire transfer for {$1400.00} using online banking. Wells Fargo fee for Wire Transfers is {$30.00}. The money was promptly deducted from my account, but the transfer amount and the fee. The transaction shows as COMPLETED _ XX/XX/XXXX : The money had not arrived at my recipient 's bank. XXXX : The XXXX XXXX XXXX XXXX  XXXX. I called Wells Fargo and asked them for any information they could provide. They recommended I FILED A FORMAL CLAIM, so I did CASE ID NUMBER XXXX. They said I would hear back from the claims department. They also provided IMAD # XXXX. I gave it to my recipient for him to inquire at his bank. 

XXXX XX/XX/XXXX : Never heard back from Wells Fargo. I called again, after a long time waiting I got now new information on the claim. Wells Fargo said Claims usually take up to 10 business days to get resolved XXXX XX/XX/XXXX : Called again and again they had no new information on the case. Only the notes from XX/XX/XXXX. Not from XX/XX/XXXX. After almost 1 hour on the phone, they gave me more numbers to see if we could track the problem with the other bank but did not offer any new information on their end. 
Confirmation Number : XXXX Transaction number : XXXX Reference number : XXXX _ XX/XX/XXXX : I was on the phone for a long time, talk to 3 different bankers all very nice, but none could give me any new information on the case after almost a month after the claim, no one had looked into it. At this point, I asked for a refund ASAP. They took note. I talked to XXXX, XXXX, and XXXX. They tell me for the first time that the recipient 's bank never got back to them. I ask my recipient to talk to his bank XXXX XX/XX/XXXX : Still nothing new in the case. Talked to XXXX from the Consumer Advocacy Ex. Service and XXXX. At this point, they tell me that they only can see that the transaction was completed on XX/XX/XXXX and they can not verify if there was a problem because

no one from the Wire Claim department has looked into it. I have a paper from my recipient 's bank stated they never got the money. I am told there is no way I can send that to Wells Fargo, that they will call to ask for more informatio
n.

They never called. 

_ XX/XX/XXXX : Called again, Talked to XXXX. No new information on the claim. They have not looked into it. Again I asked to have my money back. She said she sent an email to the wire transfer claim department directly and that they should be contacting me in few days. 

I am filing this claim and would take the steps to close my accounts with Wells Fargo.
Product: Debt collection

XXXX has been reported on my credit report as a collections account when I never applied for credit nor have any type of contract with XXXX. Ive asked XXXX to clear the information up with the credit report bureau and nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information has been stolen by someone unknow and they have been using it to get credit on my name, i have been very responsible securing my personal information, i cant think how they got their hands on my information, as a person that barely used credit, i can not explain how it is destroying my name / credit rating. my goal for this is to have all debt that does not belong to me removed delete and block from reporting to credit ever again.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) Dear Equifax Team, I am writing to formally dispute the accuracy of certain information in my consumer file, as provided under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ). 

The details of the disputed information are as follows : XXXX XXXX XXXX XXXX I noticed my credit reports are reflecting inaccurate information. One report date of the last activity is missing, this fact is considered inaccurate information that has been reported like this for over 3 years. This account needs to be deleted from my credit report effective immediately. 

I request a free reinvestigation of this information, as required by law. I believe this information is inaccurate for the following reasons : Date of last activity should be the same. Stop sending stall letters stating you can't locate a credit file, and that the information is erroneous. 

As mandated, I expect the reinvestigation to be completed within the 30-day period from the date you receive this letter. If the disputed information is found to be inaccurate, I request that it be deleted from my file, and that I receive a corrected copy of my credit report reflecting these changes. 

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

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

On XX/XX/XXXX I used XXXX to pull all three of my credit reports. I noticed that my credit card was mistakenly marked as closed around XX/XX/XXXX on my reports. 

The credit card is a Visa XXXX XXXX XXXX XXXX XXXX XXXX that was originally issued around XXXX. 

I have been using my card continuously both before XX/XX/XXXX and to the present ( most recently the morning of XX/XX/XXXX ) so I know that the card is not cancelled, and I have been making payments on time.
Product: Mortgage

Hello My complaint is regarding PMI removal.

I bought a brand new home ( new construction ) in XXXX. I have an outstanding payment history, putting more money down every monthly. 

in XX/XX/XXXX I contacted PNC to get PMI canceled. PNC charged me {$500.00} to run an appraisal and gave me the criteria for PMI removal. 

1 ) The appraisal must show sufficient value which would reduce the LTV to 80 %.

2 ) Since the loan is less than 2 years old, the investor requirements state that the customer is required to have made improvements to the property. 

I accepted the criteria and paid {$500.00} for the appraisal, after 2 weeks I got the decision : " THE LOAN INVESTOR HAS DENIED YOUR REQUEST TO REMOVE PMI '' The appraised value brings my loan-to-value ( LTV ) to 77.79 % ( it means I achieved the first criteria ) However PNC stated that I haven't made improvements in my home accordingly to the second criteria, but that is not true. I opened a dispute and proved ( sent a report with photos and invoices ) that I have made a lot of improvements such as Patio over 500 sqt, driveway extension, new walkway and porch, black splash, finished garage with epoxy painting. 
However they still denying my request, saying that I have not made any improvements. 
The question is, what else is considered improvements for a brand new house. 

I have called more than 4 times to try to get a fair answer and, every time that I call I need to wait 5 days to get a response by mail. Besides the frustration, waste of my time also it seems a scam because they are not acting with integrate. 

I really wish to solve this matter in a friendly way, for that reason I am opening a claim here, before to talk to an attorney. 

thank you XXXX
Product: Student loan

I was given incorrect information from MOHELA regarding if I should consolidate my student loans to get the highest payment count to have all of my loans forgiven. 

I had a total of XXXX direct loans with different payment counts ranging from XXXX. I questioned if I needed to consolidate my loans in order to have all of them forgiven because I was concerned about XXXX of the loans having only XXXX payments. 

During a call with MOHELA in XX/XX/XXXX, I was told since all of my loans are Direct Loans they would receive the highest payment count. I also addressed the issue again with a supervisor in XX/XX/XXXX whom I never heard back from after he needed to get my files from XXXX XXXX. 

On XX/XX/XXXX, XXXX out of XXXX loans got discharged after reaching the XXXX-payment requirement. The loan that didn't get discharged only had XXXX payments. I had already left my qualifying employer ; therefore, I was unable to get the additional XXXX qualifying payments to have the remaining {$3500.00} forgiven. 

I paid the balance, but had I been given the correct information from MOHELA, I could have consolidated the loans to get the highest payment count tp get the {$3500.00} forgiven with the other loans.