23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX I received a called from a company called XXXX XXXX and the number popped up a several XXXX United stated they left me a voicemail saying that if I dont pay my debt I will be given papers to show up to court in the next two days. Then 10 minutes later my mother received the same voicemail for me so I call them back immediately. 

I called them and they said I owed Wells Fargo XXXX and if I went to court I could pay up to XXXX in their legal fees unless I settled it on the phone with them with 6 payments of {$160.00}. I made an initial payment of {$160.00} and was suppose to receive and email that I needed to sign that should have contained their information but I didnt so I didnt sign. When I called back asked for their address website anything to check their validity he offered to refund my money and wished me the best of luck and hung up the phone. I received receipts from a company called XXXX XXXX XXXX for the initial payment/payment contract for 6 months and the refund. I asked for their website and he said XXXX and it didnt work. I called back later just asking questions pertaining to them and he said all they had was XXXX. XXXX and their website was XXXX but both sites didnt work. The number I called them from was XXXX and he said his personal number was XXXX his name was XXXX XXXX.
Product: Credit card or prepaid card

Fraudulent charges on XX/XX/2020 on my PayPal Credit account for XXXX @ {$200.00} and PayPal Gift Sus Purchase @ {$100.00}. I did not make these charges for XXXX XXXX and PayPal Gift Cards. I have no history of ever making such purchases. 
Refunds of {$27.00} @ XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2020 XXXX SGT has not been applied. 
Also, refund of {$58.00} that the seller has already received back at the address given to me in the UNited States ; however, now the address in XXXX was given. The products have been received by the office in XXXX XXXX, CA. It was sent back on XX/XX/2020 and received by the seller on XX/XX/2020. It appears that there maybe some form of " corruption '' in this business as the number given as PayPal Headquarters ( XXXX ) is actually a group of " scammers '' who get into the computer, divert emails to XXXX. Also, PayPal denied my dispute. I have no history of ordering XXXX XXXX and PayPal gift cards. 
I was among the first who alerted CFPB about XXXX XXXX and you did nothing for two years. I am back again to let you know that someone who has a tie to PayPal.com is scamming individuals and PayPal.com appears to be working with the scammers. I am sending you copies of refunds due, proof of reciept, the telephone listing of the scammers, etc. please remember that Black Finance Matters also. Please listen when we report issues like this to you. Thank you
Product: Credit reporting or other personal consumer reports

I have a credit card with XXXX XXXX XXXX, there where credit inquires from XXXX XXXX an Elan Financial I never had any business affairs with either company this had a bad effective to my credit score can I have these inquiries removed an my credit score fixed. 


Thank you XXXX XXXX
Product: Credit card or prepaid card

I have been writing the credit bureaus and this company about this account and they are both refusing to validate or verify the debt. This particular complaint is against this company. I want this account removed from the credit reporting agencies because its inaccurate and false and they refused to verify or validate the debt and gave me a stall tactic response. I have attached the documents that I sent to them and their response. This has been going on too long and I am fed up with this foolishness. I am not attaching any identification documents for my fear that this company will use it to fraudulently validate this debt. This account has so many inaccuracies across all three bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/20 I called the collection company who refuses to work with me and told me I deserve to have derogatory marks on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX Account XXXX, XXXX XXXXXXXX XXXX XXXX Account XXXX, XXXX Account XXXX, XXXX XXXX Account, XXXXXXXX XXXX XXXX  Account XXXX, XXXX XXXX  Account XXXX, XXXX XXXX Account XXXX, US DEPT OF EDXXXX XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account 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 : Also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm making this complaint to TELETRACK. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.
Product: Consumer Loan

I am 3+ years into a 5-year auto loan with BBVA Compass XXXX Until 3 months ago, I received a monthly " Billing Notice '' showing the coming month 's payments amount, and the breakdown of principal, finance charge and any additional fees/charges. My loan is structured such that the interest and principal fluctuates from month to month. I called the bank today to query why I have not received any Billing Notices since XX/XX/XXXX and was told that I would no longer receive them because I had a " Payment Book ''. However, I have always made payments via a Payment Book, and the bank could not explain why this should now mean that I do not receive Billing Notices. I asked if I could be sent monthly statements, and was told that I could not, although I could contact the bank periodically and request that a statement be mailed to me. I like to know what is the principal component of each month 's payment, so that I can have a better picture of what my balance owing will be in XXXX/XXXX/18 months, especially given the apparently random manner in which the bank determines the principal/interest split each month. 
I have online access to my BBVA account, but again, this does not provide monthly statements. All that I have access to is payment amounts ( total paid and date received ), and the loan payoff balance. There is no information available to me as to principal / interest payments, and the actual principal balance remaining. 
It is my understanding that banks are legally required to provide regular statements, and BBVA is not doing this. I suspect that the reason for this is that the bank has obtained most of its interest payments already, given the that the loan is set up for lower principal / higher interest payments in the early years, and low interest / high principal payments towards the end, and so the bank cares not for providing acceptable levels of service and would prefer at this point that I closed out the loan and took my business elsewhere. 
A further complaint I would like to make is about the lack of disclosure when I took out the loan that there would be such erratic discrepancies each month in the principal payment. I would not have agreed to the loan ( which has an interest rate of 5.6 % ) had I known that I would be paying upwards of 10 % interest in the first 2-3 years, and 3-4 % in the last 1-2 years.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft, as confirmed by a recent data breach. Due to this incident, my personal information was compromised, resulting in fraudulent accounts being created in my name without my knowledge or consent. In accordance with the Fair Credit Reporting Act, 15 USC 1681c-2 ( a ) and 605 ( b ), I am requesting that the following accounts be blocked and permanently deleted from my credit report. 
Please find the list of fraudulent accounts below : XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$2600.00} XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$480.00} XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$1000.00} XXXX. XXXX XXXX Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$480.00} XXXX. XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$530.00} XXXX. XXXX XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$1000.00}
Product: Debt collection

The National Credit System has sent me several letters in regards to a collection of {$3800.00} that was sold to them by XXXX XXXX XXXX where I was previously renting. I had my legal representative XXXX XXXX from XXXX send a letter to the XXXX to get a Verification of Debt to validate the debt. XXXX did respond with that information. Moving forward my lawyer then sent another letter to the XXXX asking for a settlement offer which the XXXX has failed to respond to. In that letter it was stated that I would be able to settle for {$1600.00} with the exchange of a full release ( Paid to Delete ) XXXX has not responded back to my legal representative. It has been 18 business days with no response, failure to respond to a debt validation letter is a direct violation to my consumer rights. XXXX is now coming in between my personal life where I am unable to move forward and rent/purchase a home due to their lack of cooperativeness.
Product: Debt collection

Trident Asset Management are refusing to properly validate a debt that they are reporting on my credit report
Product: Money transfer, virtual currency, or money service

There was an insurance claim payout for XXXX on XX/XX/2024 that was mistakenly sent to my PayPal XXXX  account ( XXXX ) where I have an ongoing dispute with a customer who has made frivolous disputes on my account. Insurance claim XXXX on behalf of adjuster XXXX XXXX. Transaction ID XXXX  XXXX ). Insurance company also provided the necessary money trace ( XXXX ) to have the funds reversed by PayPal. I was unaware that the PayPal payout would not allow me to edit the fields to input my personal PayPal account ; instead, it would automatically be sent to my business account when I selected it. The business account was negative because of the disputes from another PayPal user. The insurance funds were utilized by PayPal to reduce the business debt, which was not the intended purpose of the insurance check. This is regarded as insurance fraud, as the check was intended to cover a loss and serve as a replacement. I attempted to get PayPal to transfer the funds to the correct account, XXXX, but they declined. After informing PayPal to revert the funds to my personal account ( XXXX ) ; my personal account also became limited which would have prevented me from withdrawing the funds. 

XXXX XXXX have repeatedly instructed PayPal to reverse the funds back since XX/XX/2024, but PayPal still refused. Due to PayPal 's refusal to return the funds to the insurance company, I am unable to provide evidence that the insurance check was utilized for its intended purpose. 

XXXX XXXX, on behalf of XXXX, put in a dispute on ( XX/XX/2024 ) to have the funds sent back to them, but Paypal is creating further stall tactics and obstacles. As of the evening of XX/XX/2024 ; the insurance funds have not been reversed, despite the fact that XXXX XXXX, XXXX XXXX XXXX XXXX, and I have made XXXX contacts to PayPal, including speaking with higher management.
Product: Student loan

Im the mother who paid the student loans, of my sons, XXXX, the loans was paid, but sallie mae, did not report It to the credcredit bureau, they told me, to call XXXX, and I did called andthey said that it should be sallie mae who should report it tothe XXXX credit bureau, they sallie mae, damage my reputationto the XXXX credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment updated from my account within 15 days, I'm not aware of this, Under USC 1666b. See the documents attached. 
XXXX XXXX XXXX Date opened XX/XX/2016 Balance : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENT FOR DETAIL INITIALLY SENT VIA CERTIFIED MAIL ON XX/XX/XXXX, NO RESPONSE RECEIVED, AS OF TODAY XX/XX/2021 @ XXXX XX/XX/XXXX, SENDING THE COMPLAINT VIA CONSUMER FINANCILA PROTECTION BUREAU THESE ITEMS MUST BE IMMIDIATELY ACTIONED AND REMOVED FORM MY CREDIT REPORT
Product: Credit card

our Chase credit card was used to make a purchase at a XXXX XXXX Store -- XXXX West Virginia XXXX We live in XXXX the Individual purchased a XXXX XXXX, Case and even made a donation to XXXX XXXX XXXX totalling more than {$2200.00}. The physical card was used for this purchase XX/XX/23. The store informs us that they no longer have surveillence footage of the purchase. XXXX XXXX does not require a signature for credit purchases. As a result, we have no physical evidence to support our claim. They have denied it now twice -- -and we are awaiting a third denial. A complaint was filed with our local police department. We have spoken to countless representative at Chase to explain that it is our belief, that a former co-worker of my wife 's -- -accessed her purse during work -- -took out the card -- -made the purchase -- and then returned the card. Unfortunately, again, we have no physical evidence to prove this. We have explained to Chase that we ; Do not travel to XXXX  Virginia to shop, have had the card for years -- -and use it infrequently. We do NOT make big purchases on the card -- -so a charge of more than {$2200.00} should be a RED FLAG on our account. We have been trying to pay off this card -- -and -- -like many -- -are facing some difficulties making our monthly bills -- -- so paying {$2200.00} for something we did NOT purchase hurts. We have even asked Chase to talk to us about reaching some type of settlement -- -but to no avail. I have spoken to an attorney -- -but they advised me that by doing so -- -we would likely end up paying more than {$2200.00}. We are stuck -- -and sick about this. We need YOUR help. 
Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act Feb Destiny - Genesis FS Card Services, Account # XXXX XXXX XXXX XXXX Genesis FS Card Services XXXX XXXX XXXX XXXX, OR XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I have experienced great mental hardship as I have not been able to refinance my home do to this erroneous account.

I am a federally protected consumer and I am aware of my rights laid out by the FCRA. Im aware that you as a consumer reporting agency must maintain accurate records at all times across all credit reporting agencies on consumers files.

Please investigate the completeness on bellow listed accounts within my consumer report that you maintain under my name and update my report with your findings within 30 days of your receipt of this dispute notice as per FCRA guidelines. 

I have attached screenshots of the erroneous information within my report for this account. Please complete this account within 30 days and forward me the results. If this account can not be verified, DELETE this inaccurate account from my consumer report. 

ACCOUNT : XXXX XXXX XXXXXXXX, Date opened XXXX Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
I have experienced much mental hardship over this erroneous account as it is prohibiting me from refinancing my home.

Standards established in the credit industry were created to ensure integrity of data and uniform communication between ALL credit-reporting agencies to maintain maximum possible accuracy. If these standards are broken then liabilities can arise.

Your agency is obligated to conduct a thoughtful and fair investigation about this very important matter as I am attempting to handle this issue privately, now. 
I have attached the erroneous account ( s ) in question. This account ( s ) needs to be DELETED due to inaccurate information reported within my consumer report if it can not be 100 % verified/validated within 30 days of your receipt of this dispute notice then it must be corrected. Failure to do so could constitute willful non-compliance by your agency. 
Please DELETE this erroneous, inaccurate information on my consumer report within 30 days of your receipt of this letter if this information can not be made complete. 

Thank you for your rapid response in this very important matter, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, EQUIFAX INFORMATION SERVICES LLC is still reporting this fraud acct. XXXX XXXX acct # XXXX {$2200.00}. on my credit report. The company nor Eqifax has legally verified this fraud account with the documents I requested. XXXX XXXX keeps sending Equifax computer generated notices this account is verified & false information. XXXX  XXXX NEVER lawfully verified this fraud account, with true valid proof, wet signature & the proof I requested. Equifax is violating the law & my rights & it has been way past the 30 days they were allowed. This dispute has been going on for months & it is causing me XXXX  & for future access to credit for a new car or to refinance my home. Since Equifax wants to ignore & not follow the law, I am going to take legal actions against them for reporting fraud on my credit report. Also every time I do a dispute with Equifax they lower my score, which it should stay the same even if the dispute wasn't removed, not lower it!! Also, I had a positive account added to my report which should have enhance my credit age & credit limit, making my score higher, it didn't, there is no justification for not honoring me properly. Im fed up with Equifax & WILL NOT be purchasing an XXXX  membership, as I was planning, for credit monitoring & updated scores & reports. Equifax continues to violate customers rights & constantly has data breaches & law suits. I'm so fed up with Equifax. Please Remove this fraud account immediately! ( I have also included pics from the dark web of hackers making fake accounts with my info )
Product: Credit card or prepaid card

I am a victim of identity theft. I never applied for the following credit card : XXXX XXXX : XXXX. The account is fraudulent, unauthorized, not mine and dont belong to me.
Product: Credit reporting or other personal consumer reports

There have been many laws violated with the use of my credit file.

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

1681a ( 2 ) ( I ) also states thats a consumer report is to exclude transactional experiences solely as to payment history or utilization. I am now easy to take action against the credit bureaus and anyone else involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit card Account balances are XXXX balances are incorrect not updated XXXX XXXX, XXXX XXXX, and XXXX XXXX credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I got an alert stating that Equifax has a potentially negative unpaid balance from XXXX XXXX XXXX for {$630.00}. Ive never heard of or received any type of communication from XXXX XXXX XXXX. Incidentally, Equifax wont even send me a FREE annual credit report, NEVER signed me up for ( ID THEFT protection ) due to their recent XX/XX/XXXX database breach of id theft, which exposed millions of Americans. 
I dont know whats going on at Equifax. Every time I try to get a credit report, Equifax doesnt know WHO I am.
Product: Vehicle loan or lease

ITEM WAS NEVER DELIVERED OR RECIEVED. 
ACCOUNT INFORMATION ICRORRECT ( LOAN BALANCE, PAYMENT NOT CORRECT ). 
I DO NOT OWE NISSAN.
Product: Mortgage

I APPLIED FOR FINANCIAL HARDSHIP ASSISTANCE AND WAS DENIED DUE TO PER OCWEN MY INVESTOR DOES NOT ALLOW FOR MODIFICATIONS. MY INVESTOR IS XXXX XXXX WHICH AFTER RESEARCHING I FOUND THAT THEY DO COMPLETE MODIFICATIONS. I AM NOT SURE WHAT GAMES OCWEN IS PLAYING BUT I WILL NOT BE A VICTIM TO FINANCIAL BULLIES. I EVEN HAD TO ASK FOR HELP IN XX/XX/2010 WHICH I RECEIVED FROM MY INVESTOR THEN, SO FOR OCWEN TO STATE THAT MY INVESTOR DOESNT SUPPLY HARDSHIP ASSISTANCE IS WRONG. 

I NEED MY FILE TO BE REOPENED AND REVIEWED ACCURATELY.