23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

CCS COLLECTIONS You have communicated with me a consumer in connection with the collection of a debt Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction in failed the requirements imposed pursuant to 15 usc 1692c ( a )
Product: Credit reporting or other personal consumer reports

I sent XXXX, XXXX, and experian a debt validation letter XX/XX/year> for all closed accounts, collection, late payments and charge offs. It's been 30 days and i didnt receive a response.
Product: Debt collection

I have taken the company to court and won. I took the documentations to the debt collector and they will not remove the debt from my report. Saying I still owe money and my court documents that are stamped dont mean anything.
Product: Debt collection

I, XXXX XXXX have never received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information I will review and respond within the XXXX period allotted to me under federal law. 

If it is found that there is no evidence of this debt under my name then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective local or federal agency. 

Furthermore, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. I am aware of the request for payment by your company and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. XXXX is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Bank account or service

Ally Financial has made it extremely difficult to close my deceased grandparent 's account. I have the death certificate information for both grandparents but they request a medallion signed document that each banking institution had said is unnecessary. There has been a lot of back and forth and they have not been helpful with concluding this matter.
Product: Money transfer, virtual currency, or money service

Impacted by theft and fraud and cashapp closed my account after using for over XXXX XXXX for no reason; stating I violated the terms, requested investigation and asked for supporting evidence and nothing happened but an email stating it was a final decision. I have had ongoing issues with this platform which caused me to pay for monthly reoccurring credit monitoring systems, utilizing credit freezes, and hours of lost time trying to resolve this matter with no recourse and I could not pull my money out of the system even though they said we could. Stated I violated the terms but could not provide the terms or how I violated them.
Product: Credit reporting or other personal consumer reports

None of my credit reports match. My student loans were paid in full and yet Transunion shows them as being deleted from Their files. XXXX and XXXX also do t show the loans as paid In full {$100000.00} was forgive as I am a state employee and the reflector just shows my accounts as deleted.XXXX and XXXX are showing last updates are over XXXX years ago. My rent is actually only showing on credit agency. Also experian boost removed my credit progress that was not showing correct at all. My utility are paid monthly but the system doesnt pick up the payments it shows that I have to alrj3 months of payments these are the same bil for over XXXX  years
Product: Credit card

This has been an ongoing issue with PayPal credit to the point that this company closed my account for return payments when the entire time the money has been sitting in the PayPal account for synchrony to pull from. I set up payments to be drawn from the main PayPal account and numerous times I get emails that the payment was returned and I am charged late fees. After 2-3 times of this, which each time this has happened I look at my PayPal account and the funds are sitting there untouched, so I set up yet another payment to be drawn from PayPal. For some reason it always goes through the second time. But nonetheless, apparently I am a risk for returned payments that should have never been returned in the first place and my account was closed. Now, for the month of XXXX I had a payment due on XXXX  for {$15.00}. The total balance due is {$130.00}. I have {$140.00} in my PayPal account, which when I set up payment on XX/XX/ I did so for the full amount and the payment source was set for drawing the funds from the main PayPal account. 

I got an email that payment was scheduled and the account it was supposed to be drawn from ( main PayPal ). I get another email that payment was posted. Now, yet again, I received an email that my payment was returned. HOW. I go to my account, PayPal credit is no longer listed on my main page AND the {$140.00} in the PayPal account that was there to cover the {$130.00} is still there.I have endured numerous late fees due to this system they are using. My account was closed due to this when the money is just sitting there. And now its like they are trying to get one more fee out of me.
Product: Credit reporting or other personal consumer reports

I would like these account to be remove so my credit report can report accurately ACCOUNTS 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 Inquires XXXX XXXX XXXX XXXX XXXX  I am writing to have the following information removed from my credit file, the items that i need deleted are going to be attached in the files below. I am a victim of identity theft. I have multiple accounts and inquires that i did not apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identify to the federal Trade commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. please block this information from my credit report, pursuant to section 605B of the fair credit reporting Act.
Product: Debt collection

Tengo una queja contra la compaa Enhanced Recovery Company recientemente saqu una copia de mi informe de crdito y not que haba un cobro de su agencia en mi informe de crdito. Nunca fui notificada
Product: Credit reporting or other personal consumer reports

EQUIFAX KEEPS REPORTING XXXX XXXX XXXX ON MY CREDIT REPORT AND IT IS OVER 12 YEARS OLD. I WOULD LIKE IT REMOVED FROM MY CREDIT REPORT DUE TO THE AGE.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I made a visit to XXXX XXXX in XXXX XXXX, XXXX county. I sat in front of customer service person XXXX. I told XXXX to follow -up on a payment of {$500.00} I paid to XXXX credit card. 

XXXX said that she will re-submit the {$500.00} payment through my connected account in XXXX XXXX. XXXX had my XXXX XXXX  account opened in front of her on her computer. XXXX called the XXXX Credit card to make again the {$500.00} payment. XXXX XXXX failed to make this payment as they promised me and reported me as a delimquent person to XXXX XXXX and Experian. XXXX Credit card also took a payment from me around XX/XX/2018 for {$3000.00} XXXX Credit card failed to put my XXXX XXXX  acoount numbers correctly in their computer. I asked XXXX XXXX to make a one time payment only to my credit card. XXXX XXXX XXXX never heard about this transaction. XXXX  claims that XXXX reversed the payment. XXXX credit card has defrauded me. They have reported me to the credit companies fraudulently making me look delinquent. 
XXXX credit card is to delete these false rating 's against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get a home loan on or around the month of XX/XX/2019 in doing so the lender informed me that I am not receiving a credit report from equifax. Equifax informed me that there is fraud alert but says my answers to access the account is not accurate. To resolve this they told me to mail over a copy of my social security card, drivers license and a cover letter of what I wish to be accomplished in doing so twice they said they never received the documents to this day it still has not been resolved
Product: Credit reporting or other personal consumer reports

My information was apart of several data breaches. There are several accounts that arent mine, there are incorrect spellings of my name, and incorrect addresses on my credit report. 

XXXXXXXX XXXX XXXXXXXX {$150.00} IC Systems {$330.00} XXXX {$280.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX {$970.00} XXXX XXXX {$15000.00} These accounts were opened without my knowledge and I am checking my credit and see all of these things here after years of letters saying my info was in a data breach, I didnt think anything of it. I have gotten letters or anything from any of these companies.
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NM XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX  Employers : XXXX XXXX  Employers : XXXX XXXX XXXX  Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

on the XX/XX/XXXX XXXX, my chase card XXXX was being used for XXXX and XXXX XXXX while I had the card in my procession so I call chase immediately to find out what was going on the card was then frozen while on the phone the person tried to use the card again for a sum of XXXX at the same location I ask the person on the phone what was going on the stated they were going to look into it and keep me notify by mail I didn't receive any notification. Today around XXXX XXXX  XX/XX/XXXX the charges were reverse charges and the case is close and there is nothing they can do I spoke to XXXX and XXXX the manager on XX/XX/XXXX she stated they send out a letter on XX/XX/XXXX I didn't receive any letter from the chase team. i ask if they needed a police report they stated no
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take the time to help me get this matter resolved with errors reporting on my credit report. I have tried to get these issues resolved on many different occasions. There is 2 trade-ins reporting ; one has an incorrect late status and the other account does not belong to me. Here are the list of inaccurate items : Incorrect Name Spelling : XXXX, XXXX Incorrect Address : XXXX XXXX XXXXXXXX anXXXX XXXX XXXX  number XXXX XXXX XXXX XXXX  is reporting an incorrect late status of 90 and 120 days late in XXXX & XX/XX/2019 The XXXX XXXX account is not my account ; it is showing chargeoff and I have never opened this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the incorrect items listed below still remain on my credit report in violation of XXXX XXXX. They failed to comply with air XXXX XXXX XXXX, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

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: Debt collection

XXXX XXXX XXXX, XXXX XXXX XXXX AND NEWREZ LLC DBA SHELLPOINT MORTGAGE SERVICING, all were notified of the fact that I own my home and have no mortgage and the instruments that the above name ( s ) purchased were forged and fraudulent. 

The above named frivolously took action in XXXX Court are attempting to enforced forged documents with knowledge thereof.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

CALIBER LOANS have done everything against my wife and I on our mortgage loan with them. I paid them faithfully on XXXX of each month and never missed a payment. I sent them bank statements and supervisor letters from XXXX WHO TRANSFERED ME TO CALIBER. the beneficial letter was proof to CALIBER that I had not missed any payments with XXXX.now CALIBER IS GIVING WRONG INFO TO XXXX my current motgGE CO. AND THEY ARE HARRASSING ME FOR MORE MONEY SINCE caliber DECIDED TO CHANGE THE AMOUNT I OWED TO XXXX. MORE DOLLARS .please I am begging you help my wife and I with these predator companies.
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX  multiple times one date being XX/XX/year> and XX/XX/year> letting them know that I opt out of them sharing my nonpublic information with non-affiliates like Early Warning Services without my permission or consent. They have shared 3 checking and savings account and 3 of my transactions from 1 account and the status. Please see attached documents for reference. This is tarnishing my name, ability to do business with others, causing emotional/XXXX XXXX XXXX  health issues. XXXX  privacy policy clearly states that they do not share my information with non-affiliates and that their only affiliates are : 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

I have been working on increasing my credit score for approx. a year. I have paid for each credit bureaus individual service to manage my credit score, along with XXXX XXXX. All three credit bureau 's are directly reporting my score as XXXX - XXXX. 

I have applied for a mortgage and some third party reporting agency is saying that my reported credit score is XXXX - XXXX. I would like to file a complaint so I know that the monies I 've been paying out to each credit bureau is n't a financial scam?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX # XXXX, XXXX XXXX # XXXX, XXXX # 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
Product: Credit card or prepaid card

I did not request for my account to be closed with XXXX. Prior to the closure I had 100 % of on time payments. Now I am behind. I am currently not working at the moment and would not want this to affect my overall credit score. 

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604, section 2 : it also states, a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : a creditor may not treat a payment on a credit card under an open and consumer credit fine as late for any purpose.
Product: Money transfer, virtual currency, or money service

PayPal refused to refund me after I was scammed. I'm a XXXX adult. I'm cognitively impaired and autistic, and I also have XXXX XXXX. Sadly this is the second time I've been scammed and they never help me. A woman contacted me and offered me financial help. Of course I accept, but later she said that I had to send her {$50.00} via PayPal to verify my account. I didn't doubt her and I don't understand fee 's so I said ok and sent her the money. Then she chatted with me for a while and tried to convince me to send her more. She told me to put it in friends and family so that I didn't have to pay even more. I believed her and I was scammed. I have screen shots and I shared them, but nothing happened.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account XXXX, Account # XXXX has violated my rights. 
i have already disputed these items with the bureaus but they did not remove them, nor prove validation. 
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 card or prepaid card

My application with Wells Fargo was denied. They stated it was because of a repossession on credit report. There is no repossession on my credit report.
Product: Mortgage

I have a VA loan that was recently transferred to BSI Financial for servicing. I have requested several times for BSI to remove my escrow payments as they are significantly inflated. BSI has responded that " va loans are required to hold escrow accounts ' which is verifiably false. I have held VA loans for over 10 years of my life and I am a XXXX XXXX, so I have ample experience as both a professional and a veteran. I know that VA loans do not require to hold escrows. I have also provided my estimated tax statement showing they are significantly over collecting. BSI Financial refuses to return phone calls, refuses to respond to emails, and does not correspond in their in house email system. I have called 4 times, sent emails since XX/XX/23, and gone through all steps they have requested I do in order to have my escrows removed or changed to reflect my current tax statement. BSI is collecting approximately {$13000.00} more than what is required for my tax bill for the 2023 year and they will not cooperate with reducing my escrows or removing them completely and allowing me to pay them as I have requested several times.
Product: Debt collection

I XXXX XXXX XXXX am filing a dispute against National Credit Adjusters for stating that I allegedly owe this debt. I have found several laws that National Credit Adjusters have broken the laws that are stated below : FCRA VIOLATION 15 USC 1681a ( 4 ) - respect to the consumers right to privacy.

FCRA VIOLATION 15 US code 1681b ( a ) ( 2 ) - any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 
FCRA VIOLATION 15 USC 1681a ( 2 Exclusions ) ( A ) ( 1 ) - report containing information solely as to transactions or experiences between the consumer ( individual ) and the person ( corporation ) making the report ; in this matter i XXXX XXXX XXXX am the consumer ( individual ) and National Credit Adjusters is the person ( corporation ).
Product: Credit card

My Discover Card is charging me {$41.00} for a magazine subscription I never ordered. I contacted Discover and finally they claimed to have found in my favor and would take the charge off the card. Then a month later, they reversed their decision and tried to charge me again. I contacted them again and they took it off the credit card. Yesterday I got a letter saying they are charging me the {$41.00} again. This is a fraudulent charge and Discover will not take it off the card.
Product: Checking or savings account

I am filing a complaint against Chime Bank for what appears to be fraudulent handling of my funds and significant delays in depositing my paycheck, which has led to severe financial distress. This issue prompts concerns over Chime 's practices, particularly as they contradict their advertised benefit of receiving paychecks up to two days early.Initial Concerns Raised : I initially contacted Chime on XX/XX/XXXX, to report a missing deposit of {$250.00} from my paycheck dated XX/XX/XXXX. Despite confirmation from my employer regarding the issuance of the funds, the deposit has yet to be credited to my account.Repeated Attempts for Resolution : Following my initial contact, I have made multiple attempts to resolve this matter through both phone support and email communications with Chime. Each time, I was assured of an escalation and follow-up, which has not occurred. It's now been over 90 days since the deposit was expected, and there has been no resolution or substantive response from Chime.Change in Direct Deposit Arrangement : Due to Chime 's repeated delays in crediting my account with my paycheckoften taking over two weeks despite their slogan promising pay up to two days earlyI made the decision to discontinue directing my paycheck deposits to Chime. This decision was made in response to the ongoing and unacceptable delays that have caused me undue financial hardship causing me to pay bills late and causing me late fees when thinking my paycheck was available in my bank account.Specific Concerns : It is my belief that Chime 's actionsor lack thereofconstitute a fraudulent withholding of my funds. Since discontinuing my direct deposits to Chime, there has been a complete cessation of deposit activity from my employer 's payments, further compounding my financial difficulties and leading me to question the integrity of Chime 's operations.The lack of response, resolution, and the substantial impact of Chime 's actions on my financial wellbeing have compelled me to seek the assistance of the CFPB. I urge an investigation into these practices and immediate remediation of my situation, including the release of my withheld funds and a reevaluation of the fees incurred due to these delays.