23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

This am XX/XX/23 at XXXX I received a notice via email from PayPal confirming an order for a XXXX XXXX XXXX Worth {$690.00}. I DID NOT MAKE THIS PURCHASE! I tried calling PayPal and they wanted me to use an app that would allow them to see all of my information. I told them to cancel the order immediately!!! 
PLEASE HELP!!!!
Product: Credit reporting or other personal consumer reports

I have repeatedly disputed the accuracy of the information related to the a collection account with XXXX XXXX XXXX, in the amount of {$990.00} with an original balance of {$1000.00}, with XXXX, XXXX, and Equifax but the inaccurate information remains on my credit report. Specifically : XXXX XXXX : The reported balance of {$990.00} and the original balance ( {$1000.00} ) is inaccurate. There were 14 month 's worth of payments on this account. My original credit limit with XXXX Bank was lower than the amount reported, and my first payment was made immediately, which should have further reduced the original balance. In XXXX and XXXX, I requested the original purchase agreement, along with complete record of payments made and did not receive it, from XXXX XXXX and XXXX. 

Outdated Collection Account : The debt in question is an " open account '' beyond the statute of limitations for collection under Louisiana Civil Code Article 3494, which specifies a three-year statute of limitations for such debts. The last payment was made in XX/XX/XXXX, making this account time-barred and no longer eligible for collection or reporting. 

Despite providing clear evidence of these inaccuracies in previous disputes, XXXX, XXXX, and Equifax have failed to correct the information on my credit report. This ongoing failure to maintain accurate information is a violation of the Fair Credit Reporting Act ( FCRA ). 

Relevant Federal Law : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Requires that credit bureaus conduct a reasonable investigation into disputed information.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) : Requires that furnishers of information update and correct inaccurate information provided to credit bureaus.

15 U.S.C. 1681e ( b ) : Requires that credit bureaus maintain accurate and up-to-date information on consumers credit reports.
Product: Mortgage

I got behind on my mortgage due to Covid-19 because I was unable to work due to XXXX XXXX XXXX XXXX  that prevented me from working as a XXXX XXXX. I have put in multiple Request for Mortgage Assistance Applications with Bank of American. ( BOA ) even agreed to a mediation hearing with BOA and a Maryland mediation judge on XX/XX/2023. BOA agrees to accept my application for a loan modification. I have submitted multiple applications for a loan modification since XX/XX/2023. BOA keeps denying my application due to being " Unable to Verify my income. '' I work two full-time jobs and I provided paystubs for both jobs, but BOA claims they can not verify my income. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When I contact Bank of America 's Loan Modification Department no one can verbally tell me why my income can not be verified. I sent a written letter to BOA in late XXXX requesting the reason my income can not be verified, and I have not received any response. My home now has a foreclosure sale date of XX/XX/, and BOA is still refusing to process my Loan Modification application or tell me why my income can not be verified. My employers can provide verbal and/or written proof of my income but BOA has not requested a verbal or written verification of my employment.
Product: Vehicle loan or lease

I've been disputing this repossession for almost 2 years because the company constantly reports inaccurate information and balances that allegedly owe, posts completely wrong dates and missed payments..Each bureau post completely different information regarding this account. And I also was never given a notice of redemption, or a Notice of deficiency. I've requested Validation and Verification from all 3 credit bureaus via certified mail and all I get is either its been auto verified or no response..
Product: Credit reporting, credit repair services, or other personal consumer reports

First off let me start by saying that THIS IS NOT A REINVESTIGATION REQUEST. I've made several attempts to remind your of your obligations pursuit to 15USC 1681. It seems as if you are intentionally and willfully being neglectful in remedying my affairs.

USC 1681E ( b ) assures that I am due, promised accuracy in my report based on federal law. I am sending this complaint as another attempt to have these errors corrected. 15 USC 1681 ( A.5 ) says that after the reinvestigation all of the unverified information must be promptly removed. As you can see from your records, these accounts were disputed without being properly investigated, thus I know that they can not be validated or verified. 
The accounts that I am referring to are listed below : 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

Experian continue to share my personal information with a 3rd party collection agency call XXXX XXXX since 2021 and everytime I use this site to make a complaint experian retaliate by inputting incorrect information on my credit report. I have screenshots of experian deleting inquiries of XXXX XXXX  whom I never gave permission to look at my account. Experian also listed 4 of ny accounts as potentially negative in retaliation of me reporting them. They deleted my social and took information from a mortgage lender by listing my child as my spouse. They are purposely interfering with the process of a potential mortgage lender by disclosing inaccurate information and at times locking credit profile from lender. This is being done simultaneously on a day to day basis for almost two weeks
Product: Debt collection

This collection showed up on my credit report. Its for {$600.00}. I do not have any debts with this company
Product: Mortgage

Contacted Navy Federal Credit Union on Saturday, XXXX XXXX, 2015 to set up my mortgage payment for XXXX. Received rude, unprofessional and unethical treatment from a Mortgage Collection 's Rep by the name of XXXX. I placed a call to them to set up my payment - half of it was to be scheduled on XXXX XXXX and the remaining portion on XXXX XXXX. Was advised, in a rude and unprofessional manner, by XXXX that I could not set up my payment. I asked if she was trying to force me in default and then she placed me on an excessive hold while she went to discuss my arrangements with a supervisor. When she came back to the phone she said she could set up the payment as I requested and I asked to speak with the Supervisor that she consulted with regarding my situation. She refused to transfer the call, saying he was in a meeting. Ultimately, I was able to schedule my payment but I should n't have to put up with this type of treatment. I should add that I have never made a payment more than 30 days late on the mortgage that has been with Navy Federal for many years now. If additional information is needed, please contact me.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX Capital one bank on XXXX XXXX XXXX aXXXX XXXX XXXX took {$140.00}!!! I need to make rent and it took my money and didnt deposit!! 
These past 3 times Ive made deposits it has returned some bills crumpled up and even spit them out! This time it closed it and still was showing for me to get my notes but the slot was closed!!! It completely took my money!! The atm says to call capital one and do not go anywhere but capital one is closed!! I cant speak to anyone until the morning This is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXXXXXX XXXX XXXX XXXXXXXXXXXX & XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have challenged the 100 % accurate reporting of this XXXX XXXX charged off account being reported by the credit bureaus as required by law 6 times now... i have pointed out that this account is being reported as a re aged account and only XXXX has deleted the account... ..XXXX  and experian are still reporting inaccurate information on my credit report and doing so they are violating my consumer rights... i have attached proof of the inaccuracies but let me write them out for you if you take a look at the date of last payment the bureaus are reporting XX/XX/XXXX but if you look at the 2 year payment history they are reporting it as XX/XX/XXXX ... .this is inaccurate reporting and a violation of my consumer rights if you take a look at the high credit amount reporting XXXX  is reporting {$1400.00} and experian is reporting {$0.00} ... both cant be accurate and therefore they are violating my consumer rights
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate items from my credit report, which I believe are negatively impacting my credit score. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and deletion. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above - mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information.I have no clue what in the world the Credit Bureaus are trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The Credit Bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). Kindly help me remove the following items immediately : 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
Product: Money transfer, virtual currency, or money service

XXXX was taken from my debt card from Remitly without my permission The website is called Remitly.com
Product: Checking or savings account

On XX/XX/XXXX I purchased food from XXXX XXXX in XXXX ar the menu describes items as one thing and I didnt get what I was suppose to for a kids meal, the worker said you only get one side but when ordering online it has you to choose two and the second issue was my extra eggs that I paid for werent in my seafood boil or bag at all I disputed it with the bank provided documentation and it was denied.
Product: Checking or savings account

There's a pen and payment on my account for XXXX dollars which is only supposed to be a payment for {$21.00} I have contacted cash app support and have went back and forth with them over and over again about this transaction they have changed the amount of this transaction XXXX times from XXXX to XXXX to XXXX again
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I bought {$38.00} in XXXX  through Cashapp, I sent {$35.00} to another business and the other business only received {$7.00} because cashapp charged me {$28.00} to send it. They charged me {$28.00} to send {$35.00} in XXXX  & they won't return my money now.
Product: Credit reporting or other personal consumer reports

Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$2700.00} **Inquiries** XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX
Product: Checking or savings account

XXXX payments sent several times before but in XXXX - XXXX the funds were not received by the recipient. The bank shows it being withdrawn but cant say where is went. The money is missing from my account and not received by the recipient as it usually does. Nothing changed from one transaction received to the ones that didn't. The bank doesn't know and says call XXXX  and XXXX says to call the bank. Where did the funds go
Product: Debt collection

I tried to contact one main multiple times about the secured interest ( XXXX XXXX XXXX ) on the loan to do a voluntary surrender, kept getting lied to and told they are not coming to pick up the secured interest, then later on would not release the lien on the vehicle for me to sell so I could repay the loan. When trying to make payment arrangements for less amounts i was told I could only do their amount or none at all. Made multiple efforts to rectify the situation to no avail. Now they are sueing me for the full amount of the loan and saying they will get the truck after the judgment was rendered in their favor. I told them that this is predatory lending and they hung up on me.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, PayPal permanently limited my account. On XX/XX/2021, the company responded to a CFPB complaint with false claims that need to be addressed. PayPal mentioned that the main reason they closed my account was because : ( there was a high level of risk associated with your Account. Specifically, your Account exchanged several payments from an account that shares information with your Account. We can confirm the accounts share financials, address, and login information ). The account they're referring to is my wife 's account. Nothing is their terms and conditions prohibits members from the same household from having their own accounts or sending money to each other. I don't remember that we ever used the same payment method on the same account but most importantly, PayPal NEVER received a dispute on any transaction made through my account. Your review and closure of my account was not " periodic '' as you alleged, you closed my account after you closed my wife 's, post a phone call she made to your customer service. You closed my account based on false information and for that reason I'm requesting that you reinstate my account.
Product: Credit reporting or other personal consumer reports

This complaint to BK OF AMER for allowing fraudulent inquiries on my credit report. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX
Product: Mortgage

We have fell way behind on mortgage payments which has put us in financial stress. Dealing with Chase for several months on what we need to do to be able to get house sold. We have been assigned SEVERAL different contact people. The house is now up for Sheriff Sale. This is not what we wanted to happen. In the last two months I have talked and documented all conversations on paper, three different people. They have all given me answers that contradict each other. We have had house on market since XXXX, had only XXXX lookers. I am at my wits end. I just want what proper procedure is on Short Sales. That is what we have been approved for. Just some CORRECT answers. We have gone thru modification process. We just want to sell and get out from high payments and mortgage. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX  Account # 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 cannont furnish a account without my written instructions 15 U.S.C 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, credit repair services, or other personal consumer reports

XXXX XXXX and Trans Union are not responding to any of my requests to investigate, verify and remove numerous fraudulent, unauthorized inquiries from my credit reports that were not made by me.
Product: Mortgage

XXXX XXXX I am recently divorced, without a Divorce Settlement, at the present time. Divorce has been dragging on for XXXX XXXX years. The Mortgage Company, for the jointly owned residence has been less than fair and have failed miserably to their own privacy laws. They have let my ex-husband call in and change the mailing address for mortgage account information 3 times, in which they rang pre-arranged payments, made by myself, who lives at residence, in my ex-husbands name on an account he has never been on. My personal checking account. They then sent him letters, with my banking information on them, at his new address, with his new girlfriend. The payments that were sent through in his name where sent back, as stop payment. I had to pay XXXX dollars more each payment, because of that, which was their fault. I have already went through the loan modification process with the Mortgage Company and ended up owing XXXX dollars more a month, now another XXXX dollars to that. Where did that help? 
Since my ex-husband has messed with account information. There has been a court ordered Protection Order set into effect, on him. The Mortgage Company has been notified, notified, notified and notified about the situation and that I reside at residence and my personal financial information, is my privacy. Since my banking information was given out to my ex-husband, I felt I needed to set up new accounts, for doing my personal financial business. The mortgage Company was sending payments thru on unauthorized dates, on the account that was compromised, by the mortgage company. Have experienced overdraft fees and stop payment fees, because of their actions. I did n't even know if my other monthly bills would be sent back, because of the mortgage companies action, because of their unfair methods of doing business. 
I called mortgage company and tried to give them my new banking information, but they refused to take it and now need a letter, giving them permission to send payments through on new account, that I felt had to be done to protect my personal finances. Why would I be contacting them and try to set up payments, only to be refused and oh now you owe more money, because of their way of conducting business. No one should have to put up with this, from any company and especially the unlawful practices, from these companies ... ... ... ... ... ....
Product: Debt collection

On   XXXX   XXXX   XXXX    XXXX     i checked my  XXXX  credit report and saw that a new collection was placed on my report from   XXXX   XXXX   XXXX   for {$310.00} showing an open date of   XXXX   XXXX   XXXX     stating original creditor   XXXX   XXXX   XXXX  . I have no knowledge of said debt and due to my mother and i having the same name and i have had problems with her creditors in the past i decided to take no chances and sent   XXXX   XXXX   a  Debt Validation  letter through certified mail with a read receipt attached in hopes they would be able to send me something that would show that i owe the debt such as : a contract or payment history with my information. I also disputed the debt with  XXXX . About a week later i received a letter from  XXXX  stating the debt was " verified as accurate '' even though i still had not received anything from   XXXX   XXXX  . So i contacted  XXXX  by phone and asked them to reopen the investigation which they did and said they would reinvestigate. Then a week later i received  XXXX  separate letters from   XXXX   XXXX   The first letter dated   XXXX   XXXX   XXXX   was a  XXXX  ebt Validation Notice stating they purchased my debt and if i dispute the validity of the debt i can notify them in writing within 30 days so that they can obtain verification of the debt. The second letter dat ed   XXXX   XXXX   XXXX     was a Identity Theft Dispute Response letting me know to submit a police report for the identity theft. On    XXXX   XXXX   XXXX    XXXX   wrote to   XXXX   XXXX   again through priority mail with a read receipt responding to their letters and again requesting debt validation. I also requested any contract or documentation that ties me to this alleged debt. Then on   XXXX   XXXX   i received a letter from   XXXX   stating again that the debt was " verified as accurate '' even though to this day i have not received any other correspondence from   XXXX   XXXX   I have since mailed out to  XXXX  through ceritified mail with read receipt for Method of Verification due to still not receiving anything from the debt collector. This has caused me great distress as it has affected my  XXXX   XXXX  since it is showing as a recent collection from  XXXX    XXXX  . I am filing this complaint in hopes i can remedy this situation as quickly as possible.
Product: Consumer Loan

I have contacted the lender and asked to refinance my high interest rate personal loan. The loan has been paid timely and is not delinquent. I have had a change in income and my husband is now unemployed. The lender refused to renegotiate terms with me including a lower interest rate so that I can remain current on the loan.
Product: Checking or savings account

Sent money to someone and it was wrong and there was no assistance to get a refund