23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I received a phone call from XXXX XXXX XXXX stating that they were calling to collect on a debt that is owed to Cash Central. I paid this balance to XXXX XXXX XXXX in XX/XX/XXXX after they contacted me saying that they had purchased the debt from XXXX XXXX and were now owed the debt. Every month I have had random companies calling harassing me for this same debt and I want to know why Cash Central has sold this debt to all of these companies. Half of the companies that have called me can not be verified and Im worried who has my info ( social security number, date of birth, etc ). I have received calls threatening a lawsuit from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, and now XXXX XXXX XXXX. Why do companies keep calling me about this debt when it has been paid? I explained to representative with XXXX XXXX XXXX that the debt had been paid and he told me that I did not pay. He then proceeds to argue with me and tell me he hopes I enjoy the phone calls. No, I do not enjoy being harassed! I have the paid in full letter and bank statements that show where the money came out of my account. I will not be paying the debt again. Stop contacting me.
Product: Credit card

XX/XX/XXXX {$280.00} XXXX XXXX I made an over the phone authorization for my son who's tire blew out on the highway. The charge exceeded what I was told the charge would be ; additionally, the illegible invoice was not signed by me thus the charges are unauthorized according to PA law the merchant has nothing signed by me. Note : In the rules of the XXXX, the billing error may be due to calculation error, unauthorized transaction, or a bill with incorrect amount or date XXXX of the XXXX apply. Discover accepted the illegible invoice and reversed the charge back to my account. 

XX/XX/XXXX {$120.00} XXXX XXXX I canceled my auto membership ; could not get a response from XXXX so I disputed the charge. The charge was reversed back to my account by Discover, they said, 'due to documentation ' sent by XXXX XXXX However, I have never sent this documentation. I have asked that it be sent to me several times. I do not understand how I could be forced to pay for a membership. 

XX/XX/XXXX {$40.00} XXXX This merchandise was canceled the same day it was ordered. The merchant shipped the merchandise XXXX days later anyway ; however, I did not pick the merchandise up. XXXX returned the merchandise back to the merchant. I have provided both the return notice and notice the merchandise was received by the merchant to Discover. I have never had the merchandise in my possession... Yet this charge was also reversed back to my account. 

XX/XX/XXXX XXXX I closed my Discover Card account due to the company 's seemingly failure to comply with Fair Credit Reporting Act laws regarding credit card purchases on or before XX/XX/XXXX ; however, a charge from XXXX was posted to my account on XX/XX/XXXX. ( I also closed my XXXX account on XX/XX/XXXX ) I have been given a credit ; however, based on the XXXX prior disputes, I am certain that if the merchant replied with " Happy Holidays '' that charge will be reversed back to my account as well. 

Although I asked for a manager 's involvement and response, that also was never done. All communication denying the reopening of my disputes have simply been signed 'customer service '.
Product: Money transfer, virtual currency, or money service

I created an account with Square ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX and processed a credit card transaction in the amount of {$990.00} on XX/XX/XXXX. They then deactivated my account on the same day and sent me an email that they would transfer {$950.00} ( the amount in question less fees ) to my bank account on XX/XX/XXXX. As of this date, XX/XX/XXXX, they still have not transferred the funds to my account. Their phone and chat system will not connect me with a live customer service representative. I have emailed them but have received only a automated response that does not address why payment has not been sent despite passing the promised transfer date.
Product: Debt collection

On XX/XX/2022, I placed an order on the XXXX website ( order number XXXX ) for a jacket through PayPal Credit for {$280.00}. I never received the jacket and filed a complaint through PayPal Credit. The charge was originally reversed, and then reinstated on my account as XXXX provided tracking information to PayPal Credit. My credit limit was also substantially increased since this incident, with this being a common complaint on their consumer affairs webpage with a 2.2 rating XXXX XXXX XXXX XXXX XXXX XXXX. My credit limit for this card has increased to {$4800.00}, the highest out of any credit card I own, and this is XXXX of my newest cards. I am XXXX and take in around {$10000.00} a year. My plans for this purchase were to increase my credit as I put it on a 6-month financing plan, while being able to sell the jacket after the winter for a profit. This was really detrimental as I never received the jacket and still have the {$280.00} charge on my account. I have tried several times to open a case with PayPal Credit that keep getting denied ( another common complaint in their consumer affairs ratings ). I also sent certified mail to their headquarters in XXXX explaining the incident with documents. My credit score is almost XXXX. Please help me reverse this charge so I can close this account permanently. I would have never expected this from the PayPal house name.

If they can not reverse the charge, please help set up a new payment plan. I learned my lesson about using XXXXXXXX XXXX I am graduating soon, and I am in the process of starting an e-commerce marketplace app and will make sure not to use this service on my platform.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX student loan accounts were reported 90 days delinquent in XX/XX/2015. 

The delinquencies were reported in error as evidenced by the following : 1. Department of Education student loan accounts remain in good standing while in active deferment status. Deferment continues through a 36-month grace period after the semester ends.

2. The grace period for these accounts began in XX/XX/2015 and remained in place through XX/XX/2015. 
As reflected on the credit reports, the accounts were in good standing from XX/XX/2015 through XX/XX/2015. 
XXXX  records show the accounts in good standing at the time of adverse reporting. No late fees or penalties were billed.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> my bank account was compromised as an imposter impersonated my bank and sent all money in my bank account to a person and bank I did not authorize. I notified my bank. The imposter had an email with my banks logo and a phone number with my banks logo so I thought it was legitimate but it was an imposter scam. I did contact my bank but was told nothing could be done. I have never sent a wire before this happened and think my bank should have contacted me for authorization but they did not. I have read that banks are not doing enough to prevent this from happening and I dont feel safe in any bank now as my SS was stolen
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get a home improvement loan and the agencies are not removing old fraudulent & incorrect entries on my report. I requested removals several times both online and via mail. Many of the companies reporting fraudulent info had mail bounce back from XXXX with invalid address when I tried to contact them. 

XXXX XXXX - false medical debts on XXXX XXXX Experian ( XXXX deleted it ) XXXX XXXX & XXXX XXXX- duplicate secured card accounts that were closed in XX/XX/2017 with amounts due to me incorrectly reported as chargeoff instead of closed with XXXX balance. I also never received my refund. This in on all XXXX  agencies XXXX XXXX - secured card account that was closed in XX/XX/2017 with amounts due to me incorrectly reported as chargeoff instead of closed with XXXX balance. I also never received my refund. This in on Experian and XXXX ( TU deleted it ) XXXX court - this false information is still being reported even though I requested proof of their source XXXX times via mail. No response from XXXX XXXX Experian. XXXX deleted it. 

Fraudulent inquiries from XXXX and XXXX that only appear on XXXX
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A : States I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

Ocwen Mortgage company is involved in theft by deception. I filed a complaint with the XXXX XXXX office on XXXX XXXX. My house was destroyed by fire in XXXX of 2015. I reported this to mortgage company and they continue to send my statements for a property that is totally destroyed and was probably paid off by insurance company. My mortgage amount owed at the time was XXXX but the value of the property was approximately XXXX. So my wife and I our owned money after the property was paid off. Ocwen refuses to pay us the money owned. I also filed a complaint with the XXXX police dept on XXXX XXXX related to my Niece and her husband plotting to poison us. What is interesting is that Ocwen Mortgage was sending our statements directly to her without our knowledge or approval. So it appears that Ocwen was also involved in a conspiracy XXXX. She was used to hold the property until my wife and I were successfully XXXX so that the property could be transferred to family. Because I reported this to the police in XXXX of last year, the property was deliberately destroyed in order to avoid their being a connection between Ocwen and our family. The specific details and evidence was provided to XXXX XXXX and XXXX Police Dept. My loan account number is XXXX and the property is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. My name is XXXX XXXX and my current address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX is the original account And XXXX XXXXt is attempting to collect on the debt that I have no knowledge of nor did I apply for I asked for verification and proof of an investigation and never received any information from the companies Nor the credit agencies that they are reporting to which is reflecting on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is now my 3rd time reaching out about an issue. XXXX XXXX is continuing to report inaccurate information. Not for sure why, but my last request said that I wasn't clear in my reply. I'm pretty sure that I was VERY clear as to what the issue was. I will copy and paste that info here : what I sent in on XX/XX/18 : This is my 2nd CFBP complaint against each of the 3 Credit Bureaus about this Company! I sent in one at the beginning of XXXX. They stated that they had closed this out and that it was accurate. However, as you can see from my updated credit report, it is STILL NOT accurate!!! The Date Opened is still incorrect The Date last Active is still incorrect The Past Due amount is stil incorrect The payment history is still incorrect I am asking you to remove this account from my credit report asap. I have been asking them to do this for many months now. Each month they continue to ignore my requests. 

I am now asking you to remove this account. I have been asking for months to have this information report accurately or to remove. I am on the verge of considering seeking counsel for this issue. it's very clear they have no desire to abide by the laws and report this information correctly.
Product: Mortgage

when final loan modification documents were signed and notarized payment was stated as exactly XXXX per final loan modification agreement documents. 
Now payment on their website to make payment is stating my payment is XXXX which i have gotten multiple excuses from Freedom Mortgage on why everything from tech team needs to fix it. Yes you are right it's wrong to your escrow changed at the last minute ( which i have had no changes in my taxes or insurance, for that change ) and nor was I notified in any way by Freedom on changes to my escrow after signing my legal modification agreement documents - I want my payment amount corrected on the website and statements per what we agreed to in our legal binding loan document. 
thank you for your assistance, XXXX XXXX XXXX XXXX XXXX, Mi XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act. the listed Accounts below has violated my federally protected consumer rights to privacy and confidentiality us the 15 USC 1681 Account Name and Number : XXXX XXXX XXXX # XXXX, Account XXXX XXXX XXXX : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX 15 U.S.C 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states that 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 take any consumer report containing any of the following items of information Any other adverse item of information, other than convictions of crimes which antedates the report by the more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXXXXXX Balance : {$200.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$200.00}
Product: Bank account or service

My father 's health is failing and he has XXXX XXXX. He has XXXX daughters of which XXXX is under indictment XXXX, her arraignment was yesterday ( XXXX XXXX, 2015 ). Myself and another sister gained joint POA over our father in XXXX 2015. The XXXX daughters united and currently have a civil case against the XXXX under indictment. This XXXX sister called Suntrust Bank and said that my fathers account was being used fraudulently and that it should be investigated. Suntrust put a freeze on my fathers account, jointly owned with my sister who has joint POA and is the XXXX party payee for VA for my father. He has no income now and they can not make their house payment or pay for monthly medical expenses. There is no court order to freeze and no valid reason to freeze. On XXXX XXXX, 2015 we sent a copy of the POA, a letter from the XXXX XXXX XXXX, and a copy of our case against the sister under indictment ( the XXXX who called Suntrust and requested investigation ). We had the Detective call Suntrust Bank and talk to the individual who put the freeze on and she still would not listen. The representative for Suntrust, XXXX XXXX XXXX, was unwilling to discuss or offer a number that we could call to dispute. She said ... '' get a court order to remove the freeze ''. My father is without funds and has no way to support himself. My sister does not work and is the fulltime care taker for my father. We will now retain an attorney in Tennessee to fight this but the bank had no documentation to support this freeze and is discriminating against my sister for unjustified and undocumented claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon disputing this record, EXPERIAN failed to provide a method of verification pursuant to the FCRA. By not replying in a timely manner to my initial letter on XX/XX/XXXX they have not only violated federal law, but have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I made several goodwill attempts to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. They have continued in non- compliance, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), they will be liable for their willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously complained that Bank of America put a phony address and social security number on my credit report. The phony address that appears is XXXX XXXX XXXX, NO TOWN, CA XXXX. That address does not exist. Bank of America also listed the last four of my social incorrectly as XXXX. 

You sent this complaint to Bank of America. 

Today I received a reply from Bank of America via U.S. mail saying that the above information was CORRECT. 

How is it possible that ANY address, in NO TOWN, CA, XXXX is correct? My zip code is XXXX. XXXX is the zip code for XXXX XXXX, CA. Additionally, no such city named " NO TOWN, CA '' exists. It can't be correct. 

Apparently, someone who works the revolving door between the banks and CFPB just sent this over to BofA and BofA didn't do anything but mail that form letter to me. The form letter has no specific information on it at all. It was printed out in a batch that was sent to many complaining citizens and it just claims that BofA is right and we're all wrong. 

I assume that I have exhausted my Administrative Remedies and am not obliged to SUE THESE XXXX? I'm kinda hoping that you just have a program that forwards this message to BofA and that some XXXX there actually reads it. I fear, however, that the XXXX at BofA will be a machine, which will just generate another " we have it right '' letter. XXXX.
Product: Debt collection

I had a XXXX XXXXk account that went delinquent and was closed at {$240.00}. I did not realize that the account had allowed final deductions than then resulted in overdraft fees. Cbww obtained the account and they garnished my wages for a total of {$580.00} and are still wanting another {$290.00}. I know that collection agencies often purchase debt for ALOT less than owed. So my problem is since they have made double what my original owed amount was I believe this to be a fraudulent and heinous act. In hopes of taking advantage of someone and taking their money for an accidental mistake that is now Infringing upon their credit score and life. They will not communicate with me nor have they sent any mail correspondence either. I have attached the copy of my pay stub and to what they had deducted from there. Collections of Walla Walla
Product: Credit reporting or other personal consumer reports

Equifax has refused again to provide me a copy of my consumer file pursuant to 15 USC 1681g and are continuing with their stall tactics. I have asked them twice for a copy of my consumer file and this last time they responded stating that I needed to provide them with identifying information such as a copy of my social security card, my DL, and my mailing address. However, that information was provided with the request for my file. To top it off, Equifax is preventing me from obtaining a copy of my credit report. I have tried twice now to get a copy of a recent credit report using the online account I have with them and each time they have denied it to me which is a violation as well. I will be pursuing litigation if they are unwilling to rectify and provide my report and a copy of my full consumer file. 

Attached again are my DL, ssn card, my mailing address is attached to the complaint, and screenshots of them preventing me from getting my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had several issues getting the incorrect information about my Student Loan from Nelnet Student Loan Servicer PROPERLY removed from my XXXX Credit Report. I have submitted two different disputes with the CFPB ( case number XXXX - XXXX as well as XXXX - XXXX ) about XXXX violating my rights under the fair credit reporting act by repeatedly reporting FALSELY two additional accounts ( when I only have one fully consolidated federal student loan ) # XXXX and # XXXX both showing up as being extremely delinquent. Not only are they showing multiple additional accounts when I only have the one, but I also had entered into the Biden Fresh Start Initiative way back on XX/XX/2023 and ANY AND ALL student loans under this act are ONLY to report as being CURRENT AND ONTIME. 
Now not only has XXXX repeatedly ignored my official disputes through the CFPB and just denied me of any and all rights At the same time I have reached out to NELNET on XX/XX/XXXX and told them that my student loan account was being reported as TWO separate accounts and that NEITHER had been removed NOR were being reported correctly as PAID IN FULL and ONTIME as they should through the Biden Fresh Start Program. They ASSURED me that once they had reported the account as a NEW NUMBER XXXX the other two old accounts would FALL OFF my XXXX Report as they would have then submitted all of the NEW INFORMATION about my account now being CURRENT AND ONTIME under the BIDEN ACT. I was PROMISED this would happen after they reported to XXXX on XX/XX/XXXX or XX/XX/XXXX WELL, now that time has come and gone and I see that this new account has been reported to XXXX and STILL NO REMOVAL of the SAME ACCOUNT being FALSELY REPORTED NOW FOR A GRAND TOTAL OF THREE, YES 3 separate accounts two in terrible delinquent status and one with a hearty new debt total. And thanks to both companies denying me of my rights and falsely reporting this information I was just denied a car loan with XXXX.