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

BBVA USA STILL HAS A LOAN SHOWING THAT WAS PAID OFF. 

{$42000.00} Reported balance Highest balance {$44000.00} You've paid off 4 % of this loan Checking for errors? Review your full report details. If you find any issues, we can help.

OVERVIEW Highest balance {$44000.00} Monthly payment {$0.00} Opened XX/XX/2019 ( 7 mos ) Term 63 months ( 5 years )
Product: Credit reporting

I have contacted Experian about three weeks ago disputing several items on my report. Today I received a notice from the company indicating that my credit score and worthiness changed. This is from the same companies. This is the same for the other XXXX reporting agencies.
Product: Debt collection

The company  is Senex Services Corp.and th e debt is in the amount of  XXXX . I was never contacted about this debt by mail or any other source, but it appeared on my credit report. I requested validation from this collection agency and I was sent a detailed description of services rendered with an incorrect address.
Product: Bank account or service

Chase claimed they sent me a letter in mail regard to my account on XXXX XXXX to the fact they need more time to inspect what happened, and XXXX XXXX is today and no letter in mail has been received. How long til I hear from someone? This case is very serious matter due to their neglecting my case for a long time already that 's past due when I have support evidence of these actions not done by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian LLC Upon reviewing consumer report # XXXX for XXXX XXXX XXXX appears deceptive and suspicious. This report has cause me to be a risk and not credit worthy with various names, addresses, and deceptive reporting. This has blocked XXXX XXXX from being able to use and extend credit. 
Experian LLC has a grave responsibility as the report referenced has XXXX XXXX being denied credit and adverse action taken by persons of common affiliation. I Deny Any and all.
Product: Debt collection

On XX/XX/XXXX I was contacted via phone by a person named " XXXX XXXX '' who claimed to be an attorney with Critical Resolution Media ( CRS ) based out of XXXX, GA working on behalf on XXXX XXXX XXXX. This gentleman informed me that I " owe '' a debt on a XXXX XXXX credit card, but was unable to provide the original date or state in which the debt incurred. He said I needed to pay an amount over {$600.00} to make this problem go away. 

I informed him that I had paid off that credit card back in XX/XX/XXXX or XX/XX/XXXX, and that money is no longer owed. He then began raising his voice at me and using " guilt inducing '' language such as " if you 're an honorable, honest person, you will pay this debt right now at this moment '' and made many references to legal trouble, criminal charges, ruined credit, and shame in the community. I reminded him that debtors prison has n't existed since the beginning of the 20th century at which point he became angry, raising his voice and threatening once more that if I did n't pay this debt I would be " setting myself up for a world of legal trouble and ruined credit ''. 

At that point I asked him verbally to please stop contacting me via phone and only send correspondence via mail. I did ask him to send me any and all information he had pertaining to this debt, and he sent me an email containing a completely different amount " owed, '' ( the email says I owe $ 1300+, NOT the $ 600+ he  mentioned on the phone ). The email also detailed that the original date of the debt was in XX/XX/XXXX, which is not possible, as I did not open or possess a XXXX XXXX credit card at that time. There are no debts or collections to XXXX XXXX XXXX on my credit report, and I can find no public record of any debt that I owe to XXXX XXXX XXXX. 

After the email, I looked up CRS on the internet and saw dozens of reviews outlining similar situations. My instinct is that this is a fraudulent company that relies on bullying and threatening tactics to trick people into paying debts they do not owe. 

Today, CRS called my home phone number ( not my cell number that they originally contacted ) THREE separate times, which was answered by my mother. Each time the company called, the same person 's voice identified himself using 3 separate names, and continued to threaten legal action, criminal charges, and ruined credit. At this point, CRS has crossed the line into harassment. They still have not sent me ANYTHING in the mail as I requested, and have provided no real proof that this is a real debt or that they are a reputable company. 

Please do something about this organization! I am not the only person they are harassing for a debt that does n't exist. I will provide their contact information below so they can be easily found : XXXX XXXX Critical Resolution Mediation LLC XXXX Phone ( XXXX ) XXXX ext XXXX Fax ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not allow me to file a dispute for myself to change my address or dispute an incorrect report on my credit profile. I've called several times and they bounced me back and forth in between departments.
Product: Mortgage

When we requested a payoff on our home equity mortgage with Wells Fargo we were astounded to hear they wanted {$2600.00}. over and above the amount that was due even though our most recent statement showed a XXXX amount due after the previous months statement. We had not missed a payment on this loan in the 10 years we had this loan which was originated thru XXXX which was acquired by Wells Fargo. This amount represents over 3 monthly payments which they simply can not justify according to the detailed payment records that we have. 
This demand came as we were trying to close the sale of our home and would have derailed our sale if we did not pay up. In short we were held hostage by Wells Fargo and got nowhere with them as we were handed off to many representatives who only gave us generalities and no specifics about our detailed payment history and why we should owe them this amount of money. We want this money refunded and in light of the widespread fraud and financial irregularities recently uncovered at Wells Fargo would like this complaint fully investigated and each months payment verified that it actually was credited against my loan and not misappropriated
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts were never a past due, I never made a single late payment to these companies ever, please change this..I have a good relationship with this company ... XXXX XXXX
Product: Debt collection

This company keeps calling my phone, sometimes 5 or 6 times a day and usually does not leave any messages but they did one day telling me they want me to call them back immediately. I looked their number up on-line and found them to be a collection company in Missouri calling me in California. I called them and was on hold for " the next available representative '' and then was sent to an answering machine where I left a message, including my phone number, telling them I am a XXXX year old woman, with all my debts paid and I do not owe anyone anything and to stop calling me. They continue to call, hang up, and so I added them to my phone blocking system so their calls can not get through. I do however still see even though they can not get through to me, that they still call several times a day even after being told I do not owe anyone anything and to stop calling. If they do not stop, I will sue them in California for {$1100.00} per phone call which would now earn me well over $ 100.000.00+ with all the calls they are making after I asked them to stop! 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Web : XXXX
Product: Debt collection

Never received a bill, asked for the break down of the bill showing whats due and why. They just keep sending me an amount. Ive asked and disputed several times and still havent received the documents. I explained it was my ex wifes responsibility and I needed the break down bill to show my attorney for the divorce.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in regards to the Capital One # XXXX on my credit file. I am requesting a copy of the original agreement and original contract from the creditor with my signature that shows that I agreed to the terms and agreement provided by Capital One for the account above. This is not a request for a debt validation letter, but a copy of the original agreement that was signed when this account was created. If there is no legal contract binding me to any terms and agreements set forth by Capital One for # XXXX and if you can not furnish an original agreement, please permanently remove this account from my XXXX credit file as there is no proof that legally I signed an agreement with Capital One.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of all fraudulent accounts and unauthorized inquiries appearing on my credit report due to identity theft connected to the recent data breach. Pursuant to 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this fraudulent information upon receipt of notice and supporting documentation. 
The accounts and inquiries in question include : Fraudulent 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  To assist in your investigation and fulfill your legal obligations, I have provided the following documents : A copy of my government-issued ID Proof of address A copy of a police report or FTC Identity Theft Report The data breach has caused me considerable distress and financial harm. I demand that XXXX take immediate action to block and permanently delete these fraudulent entries from my credit report. Additionally, I expect written confirmation that this information has been removed and an explanation of any findings related to your investigation. 
Should you fail to comply with this request, I am prepared to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ), my state attorney general, and other relevant authorities to ensure that my rights are fully upheld under the law.

Please confirm receipt of this letter and provide a resolution within the timeframe required by federal law. Should you need further information, you may contact me at the contact information above. 
Sincerely, XXXX XXXX XXXX Enclosures ID Proof of Address SSC FTC
Product: Checking or savings account

This is my company 's bank card, is used to save money and use it, not a credit card. When I applied for this card, I didn't have any notice that I could overdraft. just told me how much I could spend. One day I only had XXXX  in my card. On the same day, I paid {$17.00}, {$19.00}, and {$32.00}. Then these three deductions were all pending. The last overdraft was {$1.00}, and I found out the next day. After deducting the investment fee of XXXX  dollars, three orders are still pending. At this time, a total of XXXX   overdrafts. On the third day, another order was deducted from the processing status, and I was charged another XXXX dollars. I do nt think I should swipe my card without money. Succeeded, I was debited because of an overdraft, why do I need to charge me again for other pending orders, and this was not used when I swiped the card. If I swiped the card 10 times a day, The last overdraft, whether the account is in overdraft state, is it necessary to charge XXXX times for 11 times I think it is very unreasonable, and my English is not good, I can't solve it for a long time to find a translator, too disappointed.
Product: Mortgage

During our loan process, our mortgage loan officer did not fully disclose all of the information needed. For instance, as first time home buyers we were unaware that our interest rate would change if our closing occurred more than 60 days after we placed our offer. Even though we were in conversation with our loan officer before / between every step in the offer and negotiation process, this information was not disclosed to us until after we signed our contract. Also, as we came within a week of our closing date, we contacted our loan officer -- only to receive an automated response informing us he would be on vacation until days after our closing. After making contact with our loan officer 's supervisor, the mortgage sales manager, we were informed that pieces of information were missing and we would have to postpone our closing for another day. With that postponement, the mortgage sales manager sent us updated closing documents. On these documents, our monthly mortgage payment was listed as {$130.00} more than on the initial documents sent by the mortgage officer at least one month prior. This large difference was due to a calculation error by the mortgage officer. When this was brought to the attention of the mortgage sales manager, he refused to make any adjustments to the interest rate ( which was increased due to the non-disclosure of the impact our delayed closing would have on the rate ), fees, etc., despite conversations with the realtor and both buyers. This {$130.00} increase in monthly payments significantly impacts our budget. The carelessness of the mortgage officer and the mortgage sales manager 's review of our paperwork has caused unnecessary stress.
Product: Vehicle loan or lease

I paid the account as agreed upon I was instructed it will be updated on my credit file within 30 days as XXXX balance ... 3 months later & 2 credit dispute it's still showing a outstanding debt!!
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Inaccurate Reporting of Closed Account Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate reporting of an auto finance account on my credit report. For over a year, I have been attempting to synchronize and correct the records across all three major credit bureaus. Specifically, the account in question is with XXXX XXXX XXXXXXXX and is listed under the account name charge card. 
Despite my numerous credit disputes, EXPERIAN persistently reports this account as open and claims it has been verified. This account was, in fact, closed, and I have provided the necessary discharge documentation from my XXXX XXXX bankruptcy as evidence. Unfortunately, my evidence has been consistently ignored, and the account status remains incorrect. 
I am seeking your assistance to rectify this situation and ensure that my credit report accurately reflects the closed status of this account. Your prompt attention to this matter would be greatly appreciated, as it is crucial for maintaining the integrity of my credit history. 

Thank you for your time and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXXXXXX XXXX $ XXXX DISPUTED XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX $ XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX {$720.00} / DISPUTED XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX DISPUTED XXXX XXXX XX/XX/XXXX, XXXX $ XXXX DISPUTED XXXX XXXX XXXXXXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXXXXXX XXXX PAID 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern at Experian, I XXXX XXXX request in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove the disputed comments on each of the accounts below with immediate effect. The account is no longer in dispute. 

I am asking the dispute comment to be removed from the following items : XXXX/XXXX  XXXX
Product: Credit card or prepaid card

I have filed 2 previous complaints on the same problem with Bank of America : STATUS 'Company responded on XX/XX/XXXX  The company sent its response directly to you and provided a copy to the CFPB. It may take a few days for you to receive the companys response. To protect consumer privacy, the CFPB has not included the companys response in this consumer portal. You can contact the company at ( XXXX ) XXXX XXXX about its response to this complaint '. 

The Company did NOT send a response to me. And, I'm not calling them. They scare me and that's why I filed with CFPB. I need help. I don't want to talk with them besides my having hearing difficulties. Right now Bank of America is charging me interest on this contested XXXX amount. They're bullying me .... 

I closed that account with BOA and opened up a new debit card with my bank. In 2 months time I spent XXXX on the new card. I'm spending about XXXX a month.
Product: Credit reporting or other personal consumer reports

Experian has several accounts reporting inaccurately with the same issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these accounts are reporting inaccurately because none of them have the same date last active. EXPERIAN is in violation of my rights for not reporting accurately. Under 15 USC 1681 E ( B ) the law mentions how whenever a consumer reporting agency prepares a consumer report is, shall follow reasonable procedures, to assure maximum possible accuracy at the information concerning the individual about whom the report relates. 

Experian is a clear violation of my rights based on my accounts not being reported accurately. Every DATE LAST ACTIVE is different. How can these dates be different if experian gets their information from the same source. They should all be the same if the information is accurate.
Product: Checking or savings account

XX/XX/XXXX Issue 1 : Paypal authorized, allowed, and debited from my checking account ending in XXXX, two transactions with high balances on XX/XX/XXXX. These were allocated to pay my normal living expenses and have caused me hardship to pay my creditors. 

These do debits from my checking account were unauthorized. 

I have contacted Paypal and was told it would 10 days to investigate! These funds need to be credited immediately to my checking account ending in XXXX. 

Issue 2 : Lastly, I have a contractor building the deck to my home. I authorized Paypal to debit from my checking account ending in XXXX in the amount of {$240.00}. Paypal received these funds and have indeed been given to Paypal. Paypal has placed these funds on hold until XX/XX/XXXX, despite having received these funds. 

I contacted PayPal directly regarding both the unauthorized and the funds they are withholding from the contractor. Paypal refused to release the funds back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information reported on my credit report is false and incorrect.
Product: Debt collection

I attended school at XXXX XXXX XXXX of XXXX. I wanted to enroll in the XXXX, but their XXXX  classes start in XXXX. I was using financial aid, after submitting my transcript and other information and started class, I was told I needed to submit a statement why I received a XXXX for a previous college due to the pandemic and I worked at XXXX and I had to work extra hours by my employers not having enough workers. I did that and the representative would not approve it. The representatives had a very nasty attitudes. I attend college now and is using financial aid. This school is ripping students off by trying to make them pay. I was dropped before the semester was over and they wanted me to pay the {$3000.00} and start the XXXX classes over for XXXX XXXX. I should not be held responsible for that lack of trying to use my financial aid. I should not be penalized to make this payment. The school is doing unfair business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX. XXXX Date Opened XXXX XXXX, 2016 Balance {$1600.00} and XXXX XXXX  XXXX. XXXX Date Opened XXXX XXXX, 2016 Balance {$270000.00}.