23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I used PayPal to invoice a client. The client was expecting to see my business name on the charge statement, and only saw PayPals. The client requested a charge back due to confusion about the charge, then reversed the charge back. PayPal staff today admitted that the charge back had been reversed and that they have had the funds since XXXX XXXX, 2016, however they failed to disclosed or report this to me for over a month per their user agreement. Instead, multiple parties and actions from PayPal have led me to believe they had no information about the funds. ( If there is a hold or a reserve, they are still supposed to disclose that they have the funds ). PayPal has urged me to invoice the client twice, urged me to pay my clients bill, shuttered my account, failed to review the exhibits I submitted in a timely manner, and are having their collection department call me about funds they already know that they have, and are withholding from my account. They have taken up many hours of my time and required me to offer concessions to the other party involved in the transaction. My impression is that PayPals internal process and the information they provide to consumers is intentionally limited and confusing, and has been designed this way to generate duplicate payments and fees for PayPal.
Product: Credit reporting or other personal consumer reports

The companies are failing to comply with their own policies. They have furnished negative information on my credit report without my consent and they have failed to comply with the investigation. Also, they have violated my rights and the law ( The Fair Credit Reporting Act ).
Product: Mortgage

During the time period of XX/XX/XXXX - XX/XX/XXXX, there have been rebuttals from me and my mortgage company, NewRez. These people insist on thinking they are right when it comes to calculating my escrow. I have had issues with NewRez messing up my escrow account. There is no way my escrow account should have such a tremendous shortage. NewRez 's shady dealings have caused my mortgage payment to balloon up to {$650.00} from {$460.00}. 

These people are trying their best to cause me financial stress. I am already dealing with having to have condo insurance and paying a high maintenance fee. I will not allow these people to drain my bank account. Also, NewRez is accusing me of missing payments, which is not true. They are upset because I won't pay the {$650.00}. I refuse to pay this amount. I have been making my old mortgage payment in the amount of {$460.00}. What I have been doing is paying additional monies towards my mortgage whenever I have extra money. There are other bills that have to be paid, as well as me trying to buy groceries. 

I have enrolled in a debt consolidation program to pay off certain debts in order to get my credit back on track. I am desperately working hard at getting back good credit because I want to refinance just to get away from NewRez. These people have done nothing but cause me heartache. Does your office know of any escrow attorneys? There are too many issues with NewRez. I have lived in my condo for a little over 20 years, and I've never had these serious problems until my mortgage was sold to this God-forsaken company. Some investigation needs to be done because something is not right. 

On XX/XX/XXXX, I received an email from XXXX, informing me that the case was closed due to no resolutions being made. Attached is proof of the paperwork that shows that something is not right about what NewRez is doing. Please see what you can do for me. I am stressed out! Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of account 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I paid this debt to XXXX on XX/XX/year>. They have since reported on my credit and refuse a letter of deletion. They promised that the report XX/XX/year> was going to correct any credit issue. This is now affecting me purchasing a home. XXXX XXXX of contact was very rude and would not allow me to speak with anyone other than her.
Product: Debt collection

AFNI is reporting a debt that has already been disputed off of my credit report and has been found to not be mines by all 3 credit bureaus after they investigated this back in 2016. This debt is illegally reporting on my reports again and was never validated as being mines and there is no contract or signature tying me to this account. It looks as if they purchased this alleged debt from a prior debt collector
Product: Mortgage

I receive a pre-approve letting regarding a loan offer and the letter verification code is XXXX XXXX XXXX, I called them to find out about the offer, I told them before I let her to run my credit, I asked her what credit score that they require to qualify someone, she told me that they require XXXX credit score and I told that my credit score is about XXXX, I told her that I have that I have a lot of deft, she asked me if I have any federal delinquent, I said to her that I am not sure that it is federal but I did sign up a loan with XXXX for someone he did not pay the loan and I found out and I paid the loan off with my own money just yesterday and I said to her that to her the reason that I giving you all the information in front because base on my situation if I knew I am not going to be qualified I would not let you run my credit and I interested in this offer just to pay off my deft, and she told me it should not be a problem then, so I let her running my credit then she came back telling me that my credit score is XXXX and I have a delinquent with XXXX, therefore they can not qualify me, when I asked her what score they require to qualify someone she told me XXXX and my score is XXXX according to her when I told her about the delinquency with the XXXX and I just paid off yesterday and she told me it would be fine, I also told about the level of my deft, I told her all these in front just to make sure that before I let her running my credit score and told her that I know if you let people check on your credit a lot that would diminish your credit, that is the reason why that I told you all my information in front to see if I can let you run my credit, and when she come back with her decision I tried to remind her what I told her, she was very rude and she said that she told me that she said to me that they required XXXX credit score when she did not, she told me XXXX credit score, I am filling this complaint because I feel so misled, deceived,
Product: Debt collection

I had lab work done at XXXX XXXX during XX/XX/XXXX. My medical information was shared with a collection agency, Account Resolution Services, now I am be charged {$2000.00} since XX/XX/XXXX. I've attempted on two occasions sending letters to ARS for debt validation on XX/XX/XXXX, and XXXX, and each time the company has failed to validate the debt bearing proof of my signature or any contract I signed for ARS to have authorization to collect a debt. Instead ARS has sent a notice of amount due and medical information, services of lab work done which I know is a direct violation of HIPPA regulations. I've written the three credit agencies on XX/XX/XXXX, explaining that ARS has violated my medical rights committing a HIPPA violation, did not validate the debt or have proof of my signature, and to correct my credit file. As of today only XXXX has corrected my credit file. Now I ask that you investigate this direct form of violation and please delete this information from my credit file and cease all collection activity immediately.
Product: Checking or savings account

I never had this problem before. So I go into wells fargo to open a business account. they take a week and a half to get back to me only to tell me my account was unapproved. The reason is because of a low personal credit score. I was under the impression that a business stands on its own, and by the way, I have a good business credit score. I literally have not had this issue with any other bank I've ever done business with. Then the representative has nerve to give me an attitude. I feel wells fargo is slow, unprofessional, and rude and is why this report was made so others would be made aware of their practices before getting involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are numerous inquires on my TransUnion credit report that I did not consent to nor authorize. 
1.XXXX  XXXX  XXXX via XXXX XXXX  XXXX- XX/XX/XXXX 2XXXX XXXX- XX/XX/XXXX 3.XXXX  XXXX XXXX- XX/XX/XXXX 4.XXXX XXXX XXXX- XX/XX/XXXX 5.XXXX  XXXX- XX/XX/XXXX 6XXXX XXXX  XXXX 7XXXX XXXX XXXX- XX/XX/XXXX 8.XXXX  XXXX XXXX  XXXX- XX/XX/XXXX 9.XXXX  XXXX via XXXX co- XX/XX/XXXX 10.XXXX  XXXX  XXXX XX/XX/XXXX 11XXXX XXXX via XXXX- XX/XX/XXXX 12.XXXX  XXXX XXXX  XXXX via XXXX XX/XX/XXXX 13.XXXX XXXX XXXX XXXX XX/XX/XXXX 14XXXX XXXX- XX/XX/XXXX
Product: Debt collection

I called the collection agency ( AR Resources INC. ) and I told them that I did not have the full amount of {$290.00} that was owed but I wanted to know if I could settle the account for a lesser amount and if so I could pay that amount the same day. The representative told that I could pay {$180.00} and that it would be taken care of and that it would take 30 days to show the collection as paid on my credit report. So I thought that everything was taken care of. When I pulled up my credit report this morning, It showed that I did pay {$180.00} but it also showed that I still owe a balance. According to what the representative said, the debt is supposed to removed because of the payment that I made.
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099-C ( Cancelation of Debt ) from the following charged off accounts listed below. XXXX XXXX XXXX XXXX After calling XXXX XXXX XXXX they stated their debt was paid off by XXXX XXXX XXXX this account can not be reported as a charge off on my credit report if the account was sold to another lender. Please send the 1099-C.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed personal information that should not be furnished on my consumer report. I have given proper documents to verify my identity My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX all other addresses you list on my report are wrong. except for XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX. 
they are in clear violation of theese laws. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. 

( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. 
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 U.S.C. Sec. 1681i ( a ),
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 The Supervisor at XXXX XXXX XXXX hung up the phone on my call to delete the alleged claims while I was still trying to get the correct information regarding fraudulent claims against my consumer report. On XXXX XXXX I sent a response letter to XXXX XXXX XXXX, Attorney hired by XXXX XXXX never got a response, I sent out the same letter again never received a direct response regarding my response asking for the alleged debt to be validated. XXXX XXXX I received confirmation that the response was acknowledged. XXXX XXXX XXXX XXXX XXXX stated they hired XXXX XXXX XXXX as an attorney and XXXX XXXX sent me a statement stating they would be foreclosing on my homestead on XXXX XXXX and they have not responded or validated the claims against my property. It is now XXXX XXXX and there has been no valid debt validation they have furnished fraudulent claims against my consumer reports. Neither company has responded to my request in a timely manner nor validated the information that I requested pursuant to 15 USC 1692g,15 USC 41 consumer protection, RESPA, FCRA and TILA. Fraudulent practices are a violation under state and federal laws.
Product: Debt collection

I, XXXX XXXX, checked my credit report and noticed a fraudulent and inaccurate account on my credit report. I reached out to the credit reporting agencies to remedy the situation but they would not help me remove the fraudulent and innacurate accounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Equifax is reporting the following inquires on my report which are registered with the FTC as Fraudulent Inquires. It is pass 30 days and they have not given an remedy.
Product: Credit card or prepaid card

I called Hilton to make a hotel reservation. During the call, a representative came on to ask if I wanted to sign up for a Hilton AMEX card. I explained that I really didn't need another AMEX card but they proceeded to explain that I would get XXXX Hilton rewards points if I was approved for the card and spent {$1000.00} in the first 3 months. I thought that was a pretty good offer so I accepted. I was approved for the card and I spent more than the designated amount well within the allotted time frame. I never received the bonus rewards. Since then I have made numerous calls to AMEX, spoke to numerous different representatives and supervisors and I am given a canned response of " I didn't qualify for the bonus '' but they can not and will not give me the reason why. They blame the third party at Hilton and Hilton blames AMEX. I explained that they are fraudulently luring customers under false pretenses and then not taking any responsibility. I asked them to listen to the recorded call and they refused. I feel I am entitled to this bonus as my credit was affected with the new card and will be again affected if I have to cancel.
Product: Student loan

I was approved for discharge both from the group discharge from Pres. Biden and Sweet v. Cardona but has not received my refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes to Equifax and XXXX XXXX to have fraudulent inquiries removed from my report and they continue to close the dispute without the desired results. Please assist with getting these fraudulent inquiries removed.
Product: Credit reporting 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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
Name of Account Account Number Verification XXXX XXXXXXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX XXXX XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX  XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX  XXXX Validate Account XXXX XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX section 609 you're required to send me original paperwork that verifies its account otherwise this is false information section 609 you're required to send me original paperwork that verifies its account otherwise this is false information section 609 you're required to send me original paperwork that verifies its account otherwise this is false information * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 
Thank You, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  should not be reporting that I am ( 60 ) days late on the XXXX   XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Student ID verification purposes to investigate this complaint. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Mortgage

Chase did not accept the payment of {$8300.00} that the Florida Hardest Hit program tendered on my behalf in XXXX XXXX. 

I am now making payments ( and my loan is current ) but, by failing to accept the Hardest Hit funds, Chase caused me financial harm. First, I should have over XXXX XXXX dollars off my loan account because Chase should have accepted the funds. Also, the modification was based off a default in the loan payments which the {$8300.00} would have corrected. The Hardest Hit funds would have brought my loan current, and given me the opportunity to avoid fees associated with further default on the loan. 

I only became aware that this money had not been applied to my loan in XXXX XXXX when the legal aid office made an inquiry with Hardest Hit, and Hardest Hit mailed me a letter stating that Chase had rejected the funds. 

I then wrote a letter to Chase 's Research Department ( on XXXX XXXX, XXXX ) to look into why Chase did not apply the Hardest Hit funds to my loan and they have yet to get back to me.
Product: Debt collection

Ann Arbor Credit Bureau reported 4 accounts to my credit file that was given to them in error by XXXX. I had no idea about the accounts because I assumed XXXX billed both insurance companies which they failed to do. The only way that I knew is because this company reported the account to the credit bureaus. Ann Arbor Credit bureau never mailed me a letter until after the accounts were reported and I asked them for debt validation. I have attached what was sent to me which is clearly not validation as I requested. 
I contacted XXXX XXXX that confirmed that they contacted this agency to let them know that this debt was not valid ; this company was contacted on XX/XX/2019 and these accounts are still listed on my credit file. 
They never gave me validation as required by law but sent me copies of statements that was given to them by XXXX. Attached is a copy of the letter that was sent to me which is what they considered debt validation. I asked them to validate the debt as required by the fair debt collection practices act since they failed to do before they ruined my credit and my credit score.
Product: Credit reporting

Account not reporting correctly. Account is reporting past the terms allow. Account is updated with new information & dates to justify longer terms. Reporting inaccuracies and not making correction instead it states verified.