23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX, I submitted a complaint against PayPal regarding a limitation placed upon my account because I had disputed a charge with XXXX. The complaint number was XXXX. The complaint was as follows : ( ( I used my PayPal credit account to send money to a XXXX page that was asking for money to help pay for my brother 's funeral. The individual who set up this page was one of my brother 's good friends who lived with him. She asked if she could plan my brother 's funeral and my mom and I agreed since we lived a great distance from my brother. As it turned out, this girl never paid for any of my brother 's expenses and took the funds for herself. I paid {$210.00} to XXXX on XX/XX/XXXX. When I discovered what my brother 's friend was doing, I contacted XXXX fraud unit to not only get a refund, but also to shut down the XXXX  page. XXXX recredited my PayPal account for the {$210.00} on XX/XX/XXXX. But now PayPal has put a credit limitation on my account saying that I owe them an additional {$210.00} because for some reason they are telling me they are out {$210.00} and that I need to give back {$210.00} to take off the credit limitation. So in other words, I have to pay PayPal for a service or item I never received and was refunded. I've been debating this with PayPal for months and they insist that I still owe them {$210.00} ... for what??? ) ) I received a response back correcting the problem through XXXX on XX/XX/XXXX and I thought the matter had been resolved. 



However, PayPal is absolutely refusing to correct the problem on their end and I am so frustrated with these people.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Accounts have never been late and the credit bureaus are reporting inaccurate information. The accounts have been in deferred status because of still enrollment in school. Removed the late payment ACCOUNT : XXXX XXXX  XXXX ( XXXX ) THERE ARE XXXX ACCOUNTS ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX In accordance with the Fair Credit Reporting act, they have 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 an account without my written instructions
Product: Mortgage

I needed help and asked for a loan modification. I filled out the forms with documentation required and had my signature notarized. It took them over 30 days to respond and all they wanted was information that didn't exist or had been submitted. They will not process the information until the following : Provide K-1s and llc tax forms on companies that don't exist. They want me to give them a certified letter to that effect Want to know if I have a spouse, child support or alimony. These questions were answered in the application I called them well before I missed a payment to start the process which they ignored. Instead, their computer continues to send threats. I had medical bills, last year, major repairs, and paid down the mortgage {$7000.00}. By not working with me and threatening to foreclose is a way to steal a XXXX, elderly 's home
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft Report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1000.00}
Product: Credit reporting or other personal consumer reports

The American Express account was paid in full, and they have on my account that the debt has been charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  XXXX XXXX fraudulently conducted a " hard inquiry '' into my credit without my knowledge or consent. I informed Equifax of the fraud and they refused to delete the hard inquiry from my credit report. The two other credit agencies ( XXXX and XXXX ) did delete the inquiry from XXXX after I disputed the inquiry and explained the fraud.
Product: Debt collection

This company keeps calling asking for a person named XXXX. The first call I answered today I informed them they have the wrong number. They continue to call about every hour insisting that I have a payment of {$160.00} due.
Product: Debt collection

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681 c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any 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

After turning in my lease early in XXXX of XXXX, Hyundai Motor Finance sent me an invoice stating that I owed {$1700.00}. I was under the impression that the dealership was charging me fees for terminating my lease early ( when in fact they solicited me to turn my lease in and swap for a newer model ). I went to the dealership, as well as called HMF, and after much frustration saw no resolution. Eventually they sent the bill to collections and it appears on my report as " charged off as bad debt ''. I filed a complaint with cfpb and they responded stating that I owed the money for terminating my lease early and have yet to pay the amount owed. As previously stated, I was solicited by the dealership and called on multiple occasions for the opportunity to turn my lease in early. Therefore, I knew that these charges were not valid. I decided to take the issue to small claims court. I was to sue XXXX  XXXX AND Hyundai Motor Finance due to the fact that I was not aware of which party was at fault. Neither party showed up to court on the day of the trial and that was when I set a new date and contacted a lawyer. A lawyer from XXXX XXXX called me, and I had my lawyer call him back. After investigating, it was discovered that XXXX XXXX sent Hyundai Motor Finance a check that was to cover my remaining payment. This check was dated XX/XX/XXXX. This amount was NEVER applied to my account. The actual total that I owed was {$570.00}. For a whole year I was back and forth with the dealership AND HMF and not one person could catch this error or explain what the issue was. I even asked for a new invoice in XX/XX/XXXX, and this amount had still not been applied. So, I have a negative remark on my credit report for an amount of money that I was not responsible for. I need Hyundai Motor Finance to have this negative remark removed from my credit report immediately. I was not responsible for this bill that was sent to me and I looked for help and an explanation, wasted time, energy, and money going to court, and received no help from either the dealership or Hyundai Motor Finance. It was only when I had a lawyer contact them that I saw any progress. This item must be removed as soon as possible, for I am hoping to purchase a residence in the near future. Thank you in advance for your help regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting or other personal consumer reports

To whom it may concern. I am a consumer defined under 15 USC 1681a ( c ). I notice I have a charge off ( XXXX XXXX ) on my consumer credit report. According to IRS a charge off is defined as a certificate of indebtness which means it is income and must be removed. Why are you reporting INCOME on my consumer report? The law says it is illegal to report tranaction history. If not remove, I will filed legal actions. Thank you. 
In Good Faith With Prejudice By : XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint regarding inaccurate information on my credit report, which I reported to XXXX on XX/XX/XXXX. Unfortunately, XXXX has not responded to my inquiry, and the following discrepancies remain unresolved. I am seeking your assistance in rectifying these issues and ensuring compliance with federal law. 

The inaccurate information on my credit report is as follows : The information indicating a late payment for the accounts XXXX XXXXXXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$280.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$510.00} ), XXXX XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$4000.00} ) is incorrect. I request XXXX to remove the late payments associated with these accounts. 

The above accounts XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$360.00} ), COLLECTION ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00}, Original Creditor : COLLECTION ), COLLECTION ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} ) do not belong to me, and I request XXXX to remove them from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every year that I request my info, I get denied because they " can't verify your identity '' and only after I file a complaint do I magically receive my info in the mail. If all the major credit reporting agencies can not verify my information, they should not be reporting anything about me. If they can not verify my info then factually they must be giving incorrect and fraudulent information to lending and creditor entities about me. 

This should be illegal to provide false information as fact when I have no say in how corporations take this data received from the credit bureaus. Also, how can I prove my identity if my identity is not enough? Everything they are doing is wrong, and it hurts me because now I don't have access to the information companies are scrutinizing about me.
Product: Mortgage

My mortgage loan is currently in foreclosure and is serviced by Midwest Loan Services ( MLS ), with a sale date pending for XXXX. I have requested a reinstatement figure ion writing on numerous occasions and MLS has refused to provide it. Per 24 CFR 203.608, The mortgagee shall permit reinstatement of a mortgage, even after the institution of foreclosure proceedings, if the mortgagor tenders in a lump sum all amounts required to bring the account current, including foreclosure costs and reasonable attorney 's fees and expenses properly associated with the foreclosure action, unless : ( a ) The mortgagee has accepted reinstatement after the institution of foreclosure proceedings within XXXX years immediately preceding the commencement of the current foreclosure action, ( b ) reinstatement will preclude foreclosure following a subsequent default, or ( c ) reinstatement will adversely affect the priority of the mortgage lien. MLS is also in violation of CFPB 1024.36 of Regulation X, which states The mortgagee ( lender ) must permit reinstatement even after foreclosure proceedings have begun. The homeowner can tender a lump sum payment covering all amounts required to bring the account current, including foreclosure costs, attorneys fees, and related expenses. A servicer must comply with the requirements of this section for any written request for information from a borrower
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a HELOC with XXXX XXXX XXXX XXXX  that was paid off when I sold my property on XX/XX/2021. Received notification that my account was closed by XXXX XXXX dated XX/XX/2021. I received a notice my mortgage was satisfied and lien released on XX/XX/2021. 
As of XX/XX/2021 my credit report still is reporting a balance on this account. I have called XXXX XXXX three times and each time they tell me that they are reporting correctly. However on my last call to them they confirmed that I paid my account off on XX/XX/2021 but they last reported on XX/XX/2021 and it could take up to 45 days for credit companies to get update. I have filed two disputes with the credit bureaus ( Experian and XXXX ) both times they will not update the information because XXXX is stating they are reporting correctly. I believe if I was past due on my payments, they would have been reported by now. This is adversely affecting my current ability to get a better rate on a new mortgage, as well as hindering my current mortgage process. I don't think that they are reporting positive items in a timely matter and this needs to be addressed. This is beyond frustrating.
Product: Credit card or prepaid card

Account ending XXXX.. Company charged late fees and finance charges totaling {$92.00}. Did not receive statement in time. Once received statement, the account was paid in full immediately over the phone. Contacted company and informed them the balance is in dispute, but they continue to charge late fees and interest on top of preveously charged late fees and interest.
Product: Credit card

on XX/XX/2023 I remitted my payment for the account balance. before I was able to do perform this action I received notice of account closure. I just opened this account and was not able to perform the task of transferring the interest. instructions were sent certified mail XX/XX/2023.
Product: Mortgage

I was with XXXX prior to my mortgage being sold amost at the end of their modification and they sold my account to Select Portfolio Servicing. In doing so the modification had to start over from scratch. I did have a problem paying my mortgage ( due to loss of income through divorce with XXXX ), and received assistance from the XXXX program ( a third party ), but was never late. XXXX informed me by them being involved sending part of my payment I would not be accountable for any lateness on my payments, because I was always current with the part I paid ; they did recieve the full mortage payment. This would apply also through XXXX and until the modification was completed. By XXXX selling the mortgage just before the modification was completed, and me being at the end of the program starting over ; I had to go into an agreement with Select Portfolo to avoid foreclosure while their modification was in process. I was to pay an amount agreed upon, until it was completed. It was n't the full amount, but it was accepted and an agreement was in place, and that amount was never late. Now I am sited with 120days late on my mortgage, after all that was agreed upon. My modification is now in place and I have been current with my payments since the modification XXXX of 2015. I think this is unfair and if there is someone that can possible help me with this, it will truly be appreciated. Originally the loan was a ( ARM ) mortgage.
Product: Debt collection

Since XX/XX/2018, I have received 121 calls from Clinet services Inc. The company has called me from two different numbers : ( XXXX ) XXXX and ( XXXX ) XXXX. I have no outstanding debt and there is no reason for this company to call me repeatedly. I have received as many as sixteen phone calls from this company in one day. I believe this is harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX 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 1681c. ( 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 relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Contacting credit bureaus with outdated information.The account is too old to be on file at least 10 years old!!. Jefferson Capital just wants me to contact them so they can try and collect on a ten year debit that all three credit bureaus removed last year from my file last year only for Jefferson Capital to try this stunt after the new year. No record of no payment EVER.
Product: Vehicle loan or lease

I leased a vehicle from Hyundai Motor Finance then purchased that vehicle through my credit union. 

We submitted my Odometer Disclosure Statement along with the check. ( which was cashed on XX/XX/XXXX ) After a couple phone calls from my credit union they finally received the title in XXXX but no lien release. 

After several more calls, we keep getting the same run-around. They say it has been mailed and we should be getting it soon. 

It's been 3 months and I need to get this resolved before I can register it so I can drive it.
Product: Payday loan, title loan, or personal loan

On XX/XX/18, I made a payment of {$1000.00} to my Personal Line of Credit at Wells Fargo, intending to pay down the loan. On XX/XX/18, while attempting to make a transfer on Wells Fargo 's website, I accidentally transferred {$1900.00} into my Personal Line of Credit. This was not intended to be placed there and I called Wells Fargo as soon as I noticed this didn't go to the correct account. Wells Fargo reversed the payment on XX/XX/18. Also on XX/XX/18, Wells Fargo lowered the limit to {$400.00} ... leaving {$370.00} of available credit prior to refunding the accidental payment. When they refunded the overpayment, the balance shot up to {$1900.00}. I feel that if my overpayment were not considered, my line of credit would have been reduced to the balance on the account or around that amount and not to {$400.00} which resulted in my utilization on the account being 492 %. I have spoken with numerous departments at Wells Fargo who have refused to assist me and don't seem to grasp the issue.
Product: Debt collection

MIDLAND CREDIT MANAGEMENT CALLED ME AND THREATENED ME WITH LEGAL ACTION AND REFUSED TO ANSWER QUESTIONS OVER THE PHONE
Product: Debt collection

World Finance and I settled in XX/XX/XXXX and agreed that I would pay {$75.00} a month to settle my balance. I have been doing as such. This arrangement was made in XXXX County, GA. They have since filed a suite in XXXX County to garnish wages because XXXX County will not accept them. Again, I have been paying to my agreement. I have called the office to rectify, however, they do not respond at all. I believe that this behavior from them is being taken against me because I requested that they remove inaccurate information from my credit report. World Finance reported as a judgment when there was no judgment because we settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : XXXX XXXX  XX/XX/2021 XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021