23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I have or had a PayPal acct. which I used to purchase small items and also store cryptocurrency. My last transaction with cryptocurrency was XX/XX/XXXX when I purchased another XXXX XXXX for a total of XXXX XXXX. I was not watching it as the price was not changing much and I expected to hold longterm. I became aware there was a severe problem when XXXXXXXX XXXX ( not PayPal ) texted me asking if I had transferred {$17000.00} to PayPal. The text was dated XX/XX/XXXX, but I did not see it until XX/XX/XXXX. I replied " No '' and immediately went to my PayPal account and saw I had XXXX bitcoin, a batch of fraudulent transactions ( both XXXX outgoing and cash incoming to buy crypto ) and withdrawal from my Chase checking account, and alerted PayPal via " CHAT '' that all of these were fraud. I asked them keep my acct. frozen until this is sorted out. They unfroze my account and more fraud happened. I changed my password -but hackers changed it back to something else. XX/XX/XXXX via phone a PayPal agent told me my account was " permanently locked '' At that time the phone informed me I had some {$8900.00} in my cryptocurrency area ( stolen money it seems ). I have not been able even look at my account since XX/XX/XXXX due to my PW being changed by hackers. XX/XX/XXXX spoke to another PayPal agent on the phone : who says they will " unfreeze '' my account ( though I didn't ask that ) and also that there is another email attached to my account ( which I do not recognize ) but that that email was " blocked '' from doing anything with my account.
Product: Credit reporting or other personal consumer reports

My lease is up at my apartment XX/XX/XXXX, I applied to rent a home, on XX/XX/XXXX I recieved a call from the company that they tried to run my credit report and Equifax had it blocked and they're getting an error message and provided me the number to contact them. I tried to go online, entered my information, unsuccessful, error code XXXX, I called them at XXXX, wasted 38mins of my time spoke with a rep, she tells me there's a block and a the discrepancy. After speaking with the representative, I found out that, I've been living in the same place for 7yrs, they NEVER updated my Report, haven't updated my report in years, they have an address ( my mother 's address ) that I haven't lived since XXXX, then she tells me that they blocked the account due to possible Fraud and NEVER attempted to notify me, then she tells me that they do not contact the consumer or notify them, they wait until the consumer calls them, but how is the consumer suppose to know if they DON'T even tell you or notify you of possible fraud and to tell me they don't, is unacceptable! Because of the tentative company never contacted me and told me, I would have never known what is going on, then she tells me they don't have my phone number, email address or address, so you mean to tell me you have a empty report??? Then she gives me the address she has, I asked again why no one notified of a block or possible fraud, her response again was they do not notify consumers. She then tells me I have to mail a copy of my social security card and drivers license and that one recieved it will take 7-10 business days to fix, ma'am I don't have 7-10 business days, that means I could lose out on the house for me and my family and Equifax IS NOT going to put me and my family in a home or give me the money I lost because they don't communicate. Equifax has a history of not updating information, leaving information that's not suppose to be there and re-adding things to your credit report that was removed and it's so funny how on XXXX  I filled a complaint, and I've been living in my apartment going on 7yrs and all of a sudden there's a block and they have no updated history. I asked for email address, phone numbers to someone in higher position and she lied and told me they don't have information. Everybody reports and answers to someone. I want my information fixed and Equifax needs to be investigated for not notifying consumers of possible fraud, not updating information like they should and not removing information like they should. They need to be SUED!
Product: Credit reporting, credit repair services, or other personal consumer reports

On numerous occasions XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I reached out to the credit bureaus and company in charge of this account to get it removed for one falling reporting this account and to remove it due to fraud purposes. This account along with its debt does not belong to me or was not authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting that I was late 120 day I was in deferment i should not be reported as late
Product: Debt collection

Unbeknownst to me, I discovered a debt ( previously owned by XXXX - and marked as such across all of my credit reports ) is held by American Coradius Int'l . When I called seeking validation of debt, they told me they couldn't send me any correspondence. When I sought to understand how I could proceed if they couldn't verify the debt - they advised that I should send them a personalized letter, but after that they still wouldn't send me a validation of the debt. 

When I sought to further understand, they tried to get me to pay for the unvalidated debt, and then advised they wouldn't be able to provide access to a secure payment portal, nor provide proof of payment. When they again couldn't provide validation of debt, or access to any type of secure portal, they asked me to send them a check although they still will not validate the debt nor provide a physical proof of payment. 

I have received no phone calls, physical mail, nor emails to validate this debt and yet they have advised me to not securely provide funds to them with no paper trail and send them mail with payment with no paper trail. American Coradius Int'l should not be able to claim any debt related to me when they can provide me no proof that this debt belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection account called eastern XXXX XXXX  on my report for XXXX  in the amount {$900.00}. I have reported this as a fraudulent account several times and they come back less than XXXX hours days its been validated. When I ask what was information was used to validate the debt and for a copy no one can provide me with the information. This is not my debt nor have I had service with this company.
Product: Debt collection

On XXXX XXXX, XXXX XXXX XXXX has sent me a collection email on an account that was closed and paid in full back in XXXX XXXX. 
" Dear Accounts XXXX, Thank you for trusting XXXX for all your business needs. This is just a friendly reminder that your XXXX bill for the following accounts are due today. If you have already made payment, please accept our thanks and disregard this message. 

Account XXXX : XXXX You can make your payment today, restore suspended services, request payment arrangements, and/or update billing information by calling XXXX. For billing disputes or in-depth billing matters, please contact your local Commercial Billing Department at XXXX. 

We value your business and the opportunity to serve you. 

Sincerely, XXXX XXXX, XXXX, XXXX, XXXX | XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX | Fax : XXXX XXXX Available Mon-Fri XXXX-XXXX CST Description : Description : Standard XXXX logo '' So, I called XXXX XXXX, could n't help me and I have finally filed a report with FCC and XXXX. Once time XXXX got to know about the issue via FCC and XXXX, they had reduced that bill and created another problem for me by sending {$140.00} in collection without any communication via email or mail what so ever. 

I am so surprised that XXXX XXXX did that, however this is what I have received in mail and email this week ; " My name is XXXX XXXX with Access Receivables Management, I am writing in reference to a XXXX XXXX XXXX account we currently have in collections in our office in the amount of {$140.00}. It 's very important that we resolve this matter so that no further actions are taken. Please contact me at the phone number listed below or reply by email. When calling or emailing please use ACCESS ID # XXXX. 

Payments can be made by phone using Visa, MasterCard, or check by phone. You can also go to XXXX to make a payment or set up a payment plan. I am willing to help by setting up a payment plan or settling on the account. 


Thank you, XXXX XXXX. Boys XXXX XXXXXXXXXXXX http : //access-receivables.com/ Access Receivables Management XXXX XXXX XXXX XXXX XXXX, MD XXXX '' I am not sure, if a collection agency could directly ask for money, without even validating a debt. I wish XXXX XXXX would have delt directly with me to resolve instead of even complicating furthermore. 
Thanks XXXX XXXX
Product: Checking or savings account

Prior CFPB complaint marked as duplicate to avoid addressing error in funds availability of a mobile check deposit, the amount of {$4200.00} made on or around XX/XX/2018 to Suntrust checking, now Truist Bank. For whatever reason, Truist Bank did not provide prior reply to CFPB, claims to have sent it directly to me, to avoid the CFPB and posting it on portal .... The CFPB might want to investigate this behavior. It appears Suntrust rep ( s ) made an error in releasing full funds from mobile deposit made on XX/XX/2018, funds were made available on XX/XX/2018, did not verify availability with XXXX XXXX prior. The check had a stop payment placed on it, unknown to me at the time. The account later became overdrawn as a result, the amount of which is unavailable to me at this time, account was sent to several collection agencies, sent back to Suntrust. Most recently, XXXX XXXX XXXX attempted to collect on debt, referred account again back to Truist Bank. As stated before, Suntrust reps made an error in releasing funds, did not verify prior, now attempting to collect funds from myself. This appears to be their own error, I refuse to pay for. Also, XXXX XXXX has not reimbursed me to date for funds owed, the amount of {$4200.00}.
Product: Vehicle loan or lease

GM Financial was not reporting my car loan back in XXXX. Now al of a sudden, they want to report everything. it is showing that I had a late payment in XXXX. My payments are due on the XXXX of each month. I made the payment on XX/XX/XXXX. I do not understand how this would be considered 30 days past due if I paid in it on the date that the payment is actually due. 
XX/XX/XXXX Processed {$580.00} *****XXXX
Product: Debt collection

Due to Covid 19 I recently obtained copies of my free credit reports and noticed accounts I did not authorized. This company has violated my privacy rights as a consumer per 15US1692B.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

PDF file will be attached due to inaccuracies i am disputing a resolution to be made following laws and correct procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit alert on XX/XX/20 that my information was used to open a credit card at Bank of America. I immediately contacted Bank of America and was advised the account wouldnt be opened and that they would contact the credit bureau to have the inquiry removed. 90 days have passed and after being transferred multiple times they are unable to give me a timeline for when this fraudulent inquiry will be removed.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Dismissed Date Filed/Reported XX/XX/2023 Reference # XXXX XXXX XXXX XXXX Dismissed Date Filed/Reported XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wasnt aware of the payments
Product: Checking or savings account

Account XXXX i was mailed a {$15000.00} cashiers check for the close o it if my account and it had bounced. I already submitted a notarized fraud affidavit to Citibank and all the documents they needed. The bank is now stating it is sent it to collections to collect the money and then itll issue me a check if it collects it and itll take up to 120 days. I need my close out check and since the check they sent me was fraudulently cashed Citibank needs to assume responsibility and issue me a new one while they collect from whoever it was cashed fraudulently from!!! Check # XXXX issued on XX/XX/2021.
Product: Mortgage

To whom it may concern - I am writing to ask for help with my primary mortgage company, Nationstar Mortgage LLC, dba Mr Cooper. I have one major issue with this organization that I have been trying to get cleared up for over a year now, with no success. In addition I also have concerns regarding how this mortgage was re-financed back in XXXX. 

With regard to the current issue, this organization has been incorrectly claiming that I am behind with my mortgage payments and that has been applied to my credit report, with a result of my credit rating going down significantly. In XXXX, XXXX, I contacted my credit union XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) when I realized that my account did not have enough funds to cover the check I had sent to cover my XX/XX/XXXX mortgage payment to Mr Cooper. I asked the XXXX XXXX to cover the check while I moved money into the account, and they verbally agreed to cover the check. They did not cover the check however and it was returned to Mr Cooper. Mr Cooper did not send the check back to me but presented it again to my XXXX XXXX despite telling me that they would not re-present the check. The check was cashed but Mr. Cooper did not apply the funds to my account but instead put the funds into a holding account. These funds are still in this account and have not been applied to my account. Ever since they have been reporting my account as in arrears and have been applying late charges every month. I have tried talking with them but they refuse to credit my account or to remove the false late charges. I contacted the MN Atty General 's office to help but all they were able to get from Mr Cooper was that they would remove the charges and fees if I could provide written proof that I had talked with my XXXX XXXX, which of course I can't. Can you please help me get these false charges removed from my credit report and from my account? I do not see how they can hold my money without crediting it to my account. This has kept me from re-financing this awful mortgage with another more reputable company. 

With regards to the XXXX re-financing issue, in XXXX I was trying to modify my SECOND mortgage as it was due to mature. I was told by my then FIRST mortgage lender that I HAD to modify my first mortgage at the same time I was not given a choice in the matter, despite not wanting modify the first mortgage. When the papers were presented I found that my payment terms had gone from a 30 year product to a 40 year product, and that the monthly payments were hardly different.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau CFPB ) the document needed and a letter from an advocacy group helping me due to XXXXXXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002. 142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX  XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts, insert your accounts you want deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

The due date on my Citi credit card is the 1st of every month and the reporting day is the 5th of every month. As previously established and carried out. 

I paid the balance of {$210.00} in full on the 4th and on the 5th Citi cards notified the credit bureaus that I have a full and OVER THE LIMIT balance of {$210.00}!!! This dropped my credit score During this pandemic it is extremely important to have correct information reporting. This balance needs to be corrected and updated immediately. 

I already reached out to them and they are not being proactive with assisting me with the false claim as they are required to BY LAW.
Product: Mortgage

Chase Bank, which holds my mortgage, requires flood insurance on my home because it is in flood zone A. I have always carried full replacement cost coverage. XXXX XXXX severely damaged the foundation in 2012 and XXXX, my carrier, denied my claim and my appeal citing " earth movement. '' The damage remains unrepaired while I try to gather funds to fix it or to sell it. Meanwhile, when the policy came due, I discussed coverage with my broker who confirmed that any subsequent claim for the damaged portion of the house would be denied and suggested I insure the undamaged portion of the house, which I did. Chase insists I continue to carry what they consider full replacement cost, however, and has now force-placed a so-called gap policy which I refuse to pay. Out of curiosity I called XXXX other insurance company representatives and inquired about switching my coverage. Each said they consider the property uninsurable. I have no idea where Chase got this coverage but it is surely overinsurance on this damaged property. I sent Chase damage documentation and a statement from XXXX, and they still insist I pay for the gap policy. I ca n't be the only homeowner in this position. For my own and others ' sakes I want Chase to rescind the policy and stop requiring overinsurance in the wake of storm damage.
Product: Student loan

I am a perfect example of the horrible loan servicing of Navient. I have hundreds and thousands of dollars of student loam debt and I'm only a XXXX XXXX. Just like many others from the early 2000 's I was offered deferment constantly until I am in a place where the only thing keeping me from getting a home loan is this student loan debt. I didn't realize at the age I was by getting the deferment that they always pushed what kind of debt I was getting into. I was glad to hear that they were going to have to forgive debt for students like myself only to find that this company has pushed my debt to another company Aidvantage to try and hold on to this astronomical debt. They knew what they were doing because anyone looking at my account knows I qualify for debt forgiveness. Navient handled my debt the whole time until it was time for debt forgiveness and then gave it to this new company in an effort to keep the debt. Please help me.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Hi, I need to complain against this company today for listing my loans on my credit report incorrectly. THe loaner has failed to not only fix the issue, but call me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the list of the erroneous accounts reporting on my credit report : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have send numerous of letters to this company and have not gotten any response.
Product: Credit reporting or other personal consumer reports

Upon checking all three of my credit reports I noticed a few accounts XXXX XXXX opened XX/XX/XXXX, XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX XXXX opened XX/XX/XXXX that are fraudulent that i never gave permission to run my credit. As well as inquiries from XXXX, XXXX XXXX, and experian business credit. These things are unfair and voilating my credit laws according to the FCRA. I demand these items to be removed and deleted immediately.
Product: Credit reporting

Please see the enclosed XXXX statement for XX/XX/XXXX. My due date was XX/XX/XXXX and my account was paid on XX/XX/XXXX for XX/XX/XXXX and XX/XX/XXXX for XX/XX/XXXX. Therefore my bill was not late and please updates all credit reports with this information.