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

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more knowledge on. The incorrect and inaccurate information being reported is hurting me to exercise my credit rights.. I read something called the Fair Credit Reporting Act where it states by law, I have rights to challenge anything I am sure is inaccurate. Some of the people reporting things on me, I have never heard of, which made me write to you all. 
pursuant to federal and consumer law all items mentioned must be removed for the following reason : i the consumer exercise my right to privacy and under the ( FAIR CREDIT REPORTING ACT ) 15 usc 1681c it defines everything that is to be excluded from a credit report. further more i have never given consumer reporting agencies written permission to furnish a report on my behalf with they are required to have under ( FCRA 15 usc 1681b ( 2 ). Due to the nature of theses offenses i can and will hold all parties included accountable and seek litigation if my desired outcome of removal from all consumer reports aren't met pursuant to 15 usc 1692k. please delete information at once I am familiar with 15 U.S.C. Sec. 1681 ( a ) and it states if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX percent right and correct. So, could you please check on these and get back with me? You have XXXX  days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts Account Name : XXXX XXXX XXXX ( original creditor : XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report immediately. 
Account Name : XXXXXXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report immediately Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report immediately Account Name : XXXXXXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report immediately. 
Account Name : XXXX XXXX XXXX XXXXXXXX ( original creditor : XXXX XXXX XXXX XXXX Account number : XXXX I also read where I am allowed the updated report after you complete your investigation. Could you please send it to me? Also, please let me know who had access to my file as well as date time and original contract with signature if your finding comes back to be correct. I want the investigation outcome to be sent to my address and not any other incorrect addresses listed on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to upload the document Experian provides to have the fraud alert removed from my account but the upload option is not working. So, I am submitting it here in hopes they will be able to receive it.
Product: Debt collection

MY home equity loan was sold to Rushmore Loan Management Services LLC on XX/XX/2018. They called me on XX/XX/2018 in regard to my XX/XX/2018 payment. That payment was made to XXXX XXXX as instructed before XX/XX/2018. It was made on XX/XX/2018. Yet XXXX XXXX contacted me about this payment. I informed them that the payment was made and they should be following up with the institution that they bought the loan from. I also asked them where my payment coupons were for all payments going forward as none were sent to me. I received another call from Rushmore on XX/XX/2018 in reagrd to the same exact queries, where was my XX/XX/2018 payment? I informed them AGAIN that it was sent to XXXX  XXXX as instructed by Rushmore 's  only and first letter to me. I again stated to them that I have not received any payment coupons for what would be a XX/XX/2018 payment and here it is XX/XX/2018. I do not want to pay these clowns on line as I am not trusting them and they have very bad reviews online. I want to make my payment via US Mail but they wont provide me with a payment coupon to do so.
Product: Debt collection

Paypal intends to collect amounts not owed and sent the account to a collection agency. 
The Consumer has been spending in legal fees to prepare for civil and criminal investigation as applicable, since it is so clear. This comes from certain purchase at XXXX XXXX which was cancelled, and refunded. 

Paypal seems not to know how to read English, and seems that doesn't know that {$2400.00} - {$2400.00} = XXXX and not {$2400.00} Paypal does not validate the supposed debt and attached you will find the validation with their very own statements of account, and the XXXX XXXX statements of account. 

If they did not send a double refund, to me, they do not have any right to claim a duplicate one. XXXX XXXX refunded once, XXXX XXXX issued a temporary refund until PayPal refunded, and reversed it after Paypal refunded. 

Attached you will find the validation of no debt and the evidence of PayPal intending to defraud the Consumer, with a general adjustment to the account when they did not pay that amount to any of the 3 other parties ( consumer, XXXX XXXX, XXXX ).
Product: Checking or savings account

I was a victim of identity theft with a bank that Im dealing with people gotten into my checking account The bank decided to close my account due to the transparent of XXXX somebody, got into my checking account and I dont know whats happened because the bank didnt get me any information about my account so I did know what happpen they said I have to wait 30 days to find out what happened with my account, but I still dont have access and it is a block on my account and I dont know whats going on with my checking and savings account
Product: Mortgage

SPS Select Portfolio Servicing a mortgaging servicer for XXXX XXXX XXXX. I made scheduled mortgage payment to SPS on XX/XX/XXXX, in the amount is {$1100.00} which they admitted making a error posting the payment as a principal payment. I requested a correction to be made regarding the reposting of the erred principle payment as a regular scheduled payment. I also requested SPS send me a new 1098 and New Escrow Analysis ; since the misapplied payment on XX/XX/XXXX eschewed there final figures. I have not received the corrected 1098 to do my taxes nor have I received a new Escrow Analysis to determine what my scheduled monthly payments should be. Currently Im over paying my mortgage by paying XXXX monthly to avoid being late. This issue has been going on for months without a resolution. I pray CFPB can intervene on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair credit reporting act, I demand that these 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 USC Section 1681i ( a ) you must complete this reinvestigation within 30days of receipt of this notification. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no fee for this updated report. I request you please send notices of corrections to anyone who received my credit report in the past in the last past year that are not attached to an account. 
Below are a list of account that need to be immediately deleted. None of the inquires where authorize by me nor are they attached to any open accounts. 


XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXXXXXX - XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX  - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax 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 consumer reporting agency can not furnish a account without my written consent.

15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relation to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

Mostly importantly they are not in compliance with metro credit reporting. I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

XXXX XXXX XX/XX/XXXX {$6500.00} fraudulent, inaccurate, and false information in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Also theres a bankruptcy that is only on my transunion report The courthouse where this bankruptcy was initiated must be listed and its not. Please remove this public due to the apparent neglect in making sure all information on my credit report is accurate, consistent, and up to date. This is fcra violation. They discharged bankruptcy is reporting {$0.00} as the asset amount. Please remove this inaccurate public record from my credit report.
Product: Mortgage

My loan was transferred from XXXX to XXXX in XX/XX/year>. In the early months of the transfer, there were issues with my payment not processing and being returned to my checking account at XXXX. I paid my XXXX payment on XX/XX/XXXX and XXXX claims the payment was returned to XXXX on XX/XX/year>. I have initiated conference calls twice with XXXX and XXXX and XXXX confirmed XXXX Newrez/Shellpoint that XXXX payment was not returned. I've submitted months and months and months of bank statements showing that the XXXX payment was not returned. No one at XXXX will take responsibility for resolving this matter for me. It's now been a year and my XXXX XXXX is destroyed. I call monthly, sometimes semi-monthly, and can not speak to the same rep twice. I've spent many hours on the phone explaining this repeatedly. I've been told numerous times by XXXX XXXX XXXX I am correct, I did pay the XX/XX/year> payment, it did clear successfully and was not returned, and my account will be cleared up. I'm still waiting. I've cried, yelled, and persisted with no resolution. Please help me. I'm attaching the documents I've sent to XXXX XXXX XXXX over the last year.
Product: Credit card or prepaid card

We purchased flights and hotel to XXXX, XXXX ( XX/XX/XXXX-XX/XX/XXXX ) on XX/XX/XXXX for {$2900.00} and used my Chase Debit Card. I requested a refund because i removed an excursion and it was for the amount of {$340.00} which i did get back on XX/XX/XXXX. In XXXX the site, XXXX closed down and never returned my purchase of {$2500.00}. I filed a claim through Chase on XX/XX/XXXX. I got the funds returned until they finished investigating and on XX/XX/XXXX they denied my claim and removed the amount from my account. They said that the transaction was correct and that I have to go through the Agency ( XXXX ). First my claim amount was incorrect which I have explained to them. The amount for the claim was supposed to be {$2500.00}. When calling back to file another claim with the correct amount they said it would be denied for the same issue. I also called back XX/XX/XXXX to see what my charge back code was processed under and they would not give me that information. It should have been under XXXX - services not rendered. The issue is that I can not go through the agency because they have been closed for months and im not sure how to get this money back. They canceled without returning my money back. On XX/XX/XXXX i was activated with the military under state activation and on XX/XX/XXXX I had received an email from XXXX saying all services were being canceled and to go through our banks. I explained this to Chase on XX/XX/XXXX and they said that the military is not an excuse to not have disputed before the 120 days. I also have filed a police report on XX/XX/XXXX. XXXX canceled my services XXXX XXXX with no refund. They canceled my flight through United airlines and my hotel ( which was never paid out ). Chase/Visa was supposed to give me only 3 days to file a claim during my emergency activation? Overall, services were not rendered and my claim should have been processed as that. Please review this case.
Product: Credit card or prepaid card

They ran my credit without my consent and lowered my credit limit without notification. I carry a balance which was less than half the limit, but have never been more than 30 days late on a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and sent out letters to XXXX, Transunion XXXX XXXX to remove the late payments reporting on my credit profile as it is henerding me from getting credit! Pursuant to 15 USC 1681a ( XXXX ) ( a ) ( i ), Congress said, The term consumer report does not include transactions or experiences between a consumer and the person making the report. The line of credit in which you use and how you use is are Transactions, When you swipe a card thats a Transaction, Your Payment History is a Transaction. My experience is the Line of credit, so if my consumer report does not include the Transactions or experiences Then where does a LATE PAYMENT COME FROM? WHERE DOES HIGH UTILIZATION COME FROM? IT IS NOT SUPPOSED TO BE ON THE CONSUMER REPORT AT ALL ACCORDING TO CONGRESS! 

I have attached the letters sent, Law 15 USC 1681a ( XXXX ) ( a ) ( i ), & Copies of the credit report!
Product: Checking or savings account

I was asleep at around XX/XX/2023 XXXX not knowing my card was stolen along with other vital information I keep on a peace of paper. This has happened to me numerous times before as I live in a high crime area with theft involved. I woke up at XXXX again not knowing my card and information paper went missing. I get a notification on my phone that someone has taken money from the XXXX XXXX XXXX I don't know which one, there is numerous around XXXX. When I saw the message, I immediately check my wallet and saw that my card and paper were missing. I immediately call Capital One Bank at around XX/XX/2023 XXXX to dispute the amount which they have taken {XXXX} sending my account into an overdraft as well. The agent setup the claim for me and offered a new debit card as well. She then told me it may take up to XXXX business days or longer for the claim. The card came XXXX  days later. When I got my new card I had to add money to my bank because it was in overdraft after getting the new card. On XX/XX/2023 XXXX I get an email saying that my claim was denied due to some kind of pattern activity which I disagree with.
Product: Credit card or prepaid card

I ordered a product in XX/XX/2021 never received it, have been injured and unable to work or make the full payments. Have had the company I made purchase from refund the purchase however Wells Fargo has refused to refused the past 18 months of interest or readjust the minimum payments and balance. They have even gone as far as to label me a risk and freeze the card and try to add on tons of late fees to their behalf. Wouldnt let me do a promissory note for payment as they claimed I wasnt working but Im still employed just not currently working. This banking institution needs to be disbanded and removed, nothing but deceitful business practices and lies. Gave me XXXX cents refund for 18 months x XXXX a month interest plus the crazy late fees and have jacked up my minimum payment from XXXX a month to XXXX a month. 

They are completely aware of my situation and told me to borrow the money from my family all while refusing to work with me.
Product: Checking or savings account

According to chase bank, only a supervisor can log a complaint. I contacted the bank regarding a hold that was placed on an electronic transfer because the whole date had been moved XXXX days further out from the date I was originally provided. I contacted the bank for either an explanation and request to release the hold, but they did not release the hold. 

I received poor service from the first XXXX associates that I spoke to and wished to submit a complaint regarding their actions. I was told I had to speak to a supervisor and waited approximately XXXX minutes to connect with a manager. The manager XXXX, confirmed that was their process that only a supervisor could submit a complaint. I requested a response in writing to my concerns regarding the hold as well as confirmation that their policy is that only a supervisor can log a complaint. He could not commit that the bank would respond to my concerns in writing. I find this extremely concerning that a longtime customer who has rarely ever complained let alone contact the bank can not file a complaint regarding the egregious service I ever received and I was required to be on the phone for over XXXX minutes and the initial reason for my call was still never resolved. There is someone in the bank that could adjust the hold and release the funds yet he tells me there is nothing that could be done. I am a long time client and shareholder of the bank, I am Quite honestly more concerned about their complaint tracking policy as opposed to the hold they place on my funds I would like a response in writing from the bank their policy for clients logging complaints to confirm if we are required to only speak to a supervisor to a formal complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is passed the statute of limitiations in California. I have requested this account closed and removed from my account. I have contacted the Creditor in the contact info provided by reporting credit bureaus. And I never receive a response.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, XXXX data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Mortgage

Pennymac Loan Services LLC recently purchased my mortgage. Payment is due in a few weeks, but I can not get details from Pennymac on how to submit payment to them. They have failed to send me these details. Pennymac 's call center is not adequately staffed, leading to hours of hold times. My Pennymac account does not reflect this mortgage. There has been a systematic failure by PennyMac to allow me to pay them per the note.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, date opened XX/XX/. Inaccurate information. I paid entire balance prior to due date with agent on phone. Account still went to charge off,.
Product: Debt collection

I am lodging a formal complaint against medical data systems. medical data systems has continued to report a debt for {$300.00} on my three credit reports that isn't mine. ive sent this company debt validation letters and they have continued to ignore my debt validation, but are still reporting every month which is a violation of the fcra. This debt is stopping me from purchasing my first home. I am demanding this company delete this account that doesn't belong to me from my credit reports. I will have to sue medical data systems if they don't delete immediately. as they continue to violate the fcra and my rights. thanks for your time!