23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Equifax are reporting inaccurate information on my credit report. And continue to violate XXXX XXXX Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXXXXXX XXXX XXXXXXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, XXXX5 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXX XXXX XXXXXXXX are inaccurate and must be removed.
Product: Debt collection

I have been informed by XXXX that I have been a victim of data breach that happened in XXXX, XXXX and XXXX XXXX expressed the same sentiment as my information has been exposed to two different breachs subsequently after the XXXX breach I would like the collection and the credit card account to be deleted from my report in a timely manner however they failed to do .that is the base of my complain and I seek deletion of the items in a timely manner.
Product: Credit reporting or other personal consumer reports

Dear Equifax, XXXX, and XXXX, I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report. 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX {$0.00} xxxxxxxxxxxxx XXXX This account is too old to report Date opened XX/XX/XXXX. The account information is being reported inaccurately on my report. Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} xxxxxxxx XXXX XXXX decree states that this is no longer my account. Also, this account is too old to report XXXX opened XX/XX/XXXX. Please remove this inaccurate information from my credit report. 

XXXX XXXX {$3200.00} xxxxxxxxxx XXXX This account is also too old to report XXXX opened XX/XX/XXXX. The account information is being reported inaccurately on my report. Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX {$15000.00} xxxxxxxxxxxxx XXXX This account is too old to report XXXX opened XXXX XXXX, XXXX. The account information is being reported inaccurately on my report. Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I insist 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 ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

My paycheck direct deposit is not in my account, should have been there yesterday
Product: Credit card

I have just spent over an hour on the phone trying to remove a security block on my account due to me trying to purchase tires from Discount Tires online. 
The first agent stated she could not verify me since I did not have a landline The second agent, which was the same as the first one, stated she had to call me, which she never did The third agent, which was the same as the first one AGAIN, AND when I requested to be transferred to anyone else, she refused and just sat their quite until I hung up The fourth agent, did not listen, called me on my mobile and then refused to change my security word as the one on my account was setup 20 years ago when I had a joint account with my ex-husband! When I told him that my response to any question can be what ever I wanted, and I threatened to file a complaint with the FDIC, he finally did and stated my card was no longer blocked. 
I tried to use the card again, but his time I used a virtual card number that I set up thinking it would help. Guess what.. The card was denied again! 
The fifth agent had to transfer me, then I got XXXX who stated that my password was not changed, had to call me back, then since I did not want to hear what she had to say after she stated my card was unlocked, she said goodbye and hung up on me. 
The sixth agent stated that my card was still locked, and he unlocked it. He also stated that my security word still had not changed, and then started to tell me that all my purchase attempts from XXXX XXXX was actually going to be paid by Citibank! WHAT?!?! How, when XXXX, the last agent, stated that they were all charged and refunded immediately. PLUS, when I pointed out that my available balance plus my current balance still only equaled my total credit limit, so how was I being charged XXXX times for non-existent orders?!? I hung up! 

WHAT A JOKE! XXXX CALLS TO GET MY CARD UNLOCED!!!! 
WHY DO YOU KNOW JUST SEND A CODE TO THE APP LIKE XXXX?
Product: Debt collection

Fifth Third Bank is calling our number sometimes 3 times per day for someone who does not live here. They've been told the person doesn't live here and to stop calling, but they relentlessly call using various robo-dialers and sometimes fake numbers because now we've blocked them. This is the phone of an XXXX year old woman, not the XXXX year old they are looking for. They're harassing an elderly woman.
Product: Mortgage

I XXXX XXXX have acquired the former home of my parents, XXXX XXXX XXXX XXXX as of 2019 as my father had passed away XX/XX/2019 and my mother simply was too old to maintain the home on her own. As we are facing the Covid-19 crisis in America, Freedom Mortgage has essentially been held back from proceeding with any foreclosure procedures. The property is located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. The property has a current value conservatively at {$270000.00} if not higher. The real estate market in this area is very good, and I as the daughter am looking out for the best interest of my mother XXXX XXXX. I could rent the property out to tenants and wait out the legal process of foreclosure, but in the state of New York that would take over two years not taking the current hold on national foreclosures. Accordingly, I will deed the property over to Freedom Mortgage for consideration of {$10000.00} certified funds quickly, and have a local attorney handle the arrangements. I desire to be contacted through my email address stated in the CFPB process. It is important to take into consideration that a deed in lieu of foreclosure will sustain the high sales comparable in the area where this property is located. I will move quickly as soon as Freedom Mortgage agrees to the {$10000.00} consideration for the deed to this property. Thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove 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 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: Debt collection

On or about XX/XX/XXXX, I pulled my XXXX reports and discovered a negative reporting account on all three credit bureaus. The account with XXXX XXXX is being reported by Credence Resource Management as a collection account, and this is hurting my credit score. I do not recall opening nor paying on this account. I have made numerous efforts to locate and contact this company for validation of this debt. I have requested proof of this account and any contract documents signed by me, and I have not received one response. This account also reported negatively on my credit in XX/XX/XXXX. I submitted a dispute stating this account did not belong to me, and or I have no knowledge of the account, and it was removed immediately. Now it is back on my reports, THIS IS HURTING ME AND MY ABILITY TO PURCHASE A HOME. This item needs to be immediately removed from all credit reporting.
Product: Debt collection

I was with the phone company XXXX four years before I decide to make the switch to XXXX. I made sure all my service bills were paid and I completely paid off the device I got from XXXX. After this, XXXX still comes bothering me about a random equipment charge that they say I owe which is {$310.00} in total. I immediately call XXXX and explain to them that I never received this equipment that they claim I owe them. I stated that I have never discussed that I need any such equipment. XXXX claim they would do an investigation I never got back to me. In XX/XX/2023 received a collection account totaling in the amount of XXXX XXXX This was highly alarming due to the fact that I have NO derogatory marks on my credit report. I then checked " XXXX XXXX '' and seen that this collection account was from a company called " XXXX XXXX XXXX XXXX ''. I then proceeded to send them a validation letter asking for any proof that I asked for this equipment, proof that I ever received this equipment, or any proof that I've ever signed any document stating that I wanted this equipment. This company then sent me a response letter saying that the charges are valid without verifying anything. In my validation letter I also explained to them that I would go to the consumer financial protection bureau if they did not properly investigate this!! THEY FAILED to properly investigate the issue and did not remove the negative collection account!! This should be illegal and it is wrong, just because I switched phone carriers does not mean I should be squeezed for every dollar, or falsely accused of owing money for something random. This company has hurt my credit score and this collection account shall immediately be removed due to them falsely accusing me!
Product: Vehicle loan or lease

Someone has gotten a loan or lease in my name that I am not aware of I never leased anything I owe my vehicles.
Product: Mortgage

Suntrust Mortgage Inc. has been continuously harassing me while mishandling my mortgage/escrow funds. I received an Escrow Analysis of my mortgage ( which they service ) back in XX/XX/XXXX. They claimed that payment will be increased from {$2800.00} to {$3100.00} due to escrow shortages that their representatives could not explain. After numerous calls to and from their collections department claiming I owe XXXX of dollars to them, these are some of the reasons they gave ( All conversations were recorded, or at least they said they were ) :1 ) My interest rate has gone up ... WRONG, I have a 15 year fixed rate. 
2 ) We have not received last month 's payment ... WRONG, I pay automatically & electronically every month and I could see that they did indeed receive payment. 
3 ) They said that my property Insurance & Taxes increased ... WRONG AGAIN, I personally verified that neither one had changed. 
4 ) They said because I pay on the XXXX, prior to the XXXX of the month due date, that it was being applied to principle because it was being received early ... WRONG, This is the way I have been paying since day one of this loan and no such problem ever existed. 

BOTTOM LINE IS, no one there was competent enough to explain to me why I owed them thousands of dollars when I never missed a payment. I finally managed to find a rep that at least made some sense of it all. She said, " that because my payment went up by {$320.00} per month that my old payment amount was being applied directly to the principle or held in limbo in XXXX of there own bank accounts. '' She, too, could not explain why the increase in payment. 
So I made 2 months of the increased payments ( {$320.00} per month ) while I researched to get some answers. I have concluded ( without any help from any Suntrust Reps ) that the reason for the increase in Escrow are their own XX/XX/XXXX PROJECTIONS of my Insurance & Tax increases, neither of which can be verified. In fact, I personally went down to the Tax Office and they told me that my XX/XX/XXXX Taxes will be exactly the same amount ... actually a few XXXX less due to Homestead Exemption which I just applied for. I have tried to explain all of this to Suntrust Reps. but they just do n't want to hear any of that. All they see is that I owe Thousands of dollars and I receive many calls per day trying to collect it. 

I recently received a whole packet explaining how I am over 30 days past due and owe over {$9000.00} counting my XXXX payment ( which, of course, has been paid as usual ). They are offering me help and even to REFINANCE me! Can you believe that? I am sure the next thing I 'll be receiving is an intent to seize my proper notice. 

PLEASE HELP, I have researched this company and realize that they have more complaints against them than they could possibly handle. PLEASE HELPCFPB, Federal Partners, and State Attorneys General File Order Requiring SunTrust to Provide {$540.00} XXXX in Relief to Homeowners for Servicing Wrongs. 

PLEASE STOP THEM AND WHAT ABOUT MY CREDIT REPORT???
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. Accounts that are in accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has stop reporting my payments on my XXXX  credit card. Which has negatively impacted my score
Product: Credit card or prepaid card

I paid for a full one year gym membership at XXXX with a GMCardbacked by CapitalOneon XX/XX/XXXX. I paid for 12 months, the duration of the agreement, on the spot. I used the membership throughout XXXX and XXXX. In XXXX, more than a year later, I went back to the same gym. I asked if I needed to sign another contract. They said I could simply pay month to month. I gave them a new card issued by GMCard, once again. The gym apparently set up automatic payments without my knowledge at the time. I never signed any documents in XXXX. I realized this situation a few months after, and I called the gym at the time to ask them to stop charging me. They refused, and demanded I go in person to a gym to cancel the membership. I explained to them that I never agreed to being put on automatic payments, and that I was not under contract at the time therefore not under any obligation to cancel anything. They continued to charge me, and I disputed the charges on my card. I fulfilled all the requirements and responded to the credit card companys request in a timely manner. At first, the credit card reversed the charges. But then the gym sent a copy of the contract from XXXX of XXXX. From my understanding, the credit card company didnt really look closely at the dates and the stipulations of the document. They decided in the gymss favor even though this was an old contract that was paid in full and terminated. There was a whole year gap from when this contract ended to when I returned to the gym during which I never made a payment. 
We have been going back and forth for a few months. When I complained to the credit card company, first they sided with me. I wrote a letter and even spoke to a representative to explained that the membership agreement I signed is not binding for life. However, the gym sent the same membership agreement from XXXX, and the a different credit card department reverted to siding with them. The credit card company is not doing their due diligence to look at the dispute in front of them. Because I have no documents to prove I did NOT sign a contract in XXXX, they side with them. The only document they have provided is the old terminated contract from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with and applied for a forbearance with Freedom Mortgage on XX/XX/XXXX. due to COVID related difficulties still dealing with and having troubling gathering my mortgage payments, but have not been late on any payments as of yet. Now comes XXXX and they report a late payment on my credit report after me disputing it two times with documentation of the forbearance and they refuse to make any corrections. I have had nothing but issues every time I try to contact this company and they consistently lie about their services and things there say they will process. I'm at a loss at what to do at this point, so hopefully the CFPB will be able to intervene and get something solved in this matter. Once I realized I needed assistance I applied for assistance through the Indiana XXXX and they approved my request and informed freedom mortgage they were going to assist me on XX/XX/XXXX. I was able to make all payments on time even though in a forbearance without being 30 days late until that date remind you, the they started getting payment from the Indiana XXXX.
Product: Money transfer, virtual currency, or money service

I have been using Paypal for my online freelancing services, Im a freelancer accpting payments for my services online from different parts of the world and paypal fail to understand that and treat my transactions violates their policy. I am simply accepting payments from people pays me from my online services that I rendered to them. Its that simple. Now, Paypal Permanently ban my account from accepting money and withdrawing money using their platform, and on XX/XX/2024 they permanently lock my account and can no longer use they platform for my online business freelancing, It really affects my financial stability for now, becasue almost all my clients pays me using Paypal. It affects me a lot financially. All I'm asking is for Paypal to lift the ban on my account and let me withdraw my funds ASAP ( not 180 days as per their rules ) let me use their platform again to aaccept money from anyone of my clients online and not questioning it in the future., Please stress this to them ... .I AM A FREELANCER DOING LEGAL PROJECTS ONLINE AND ACCEPTING MONEY ONLINE FROM MY CLIENTS. AND MY CLIENT USE ONLY PAYPAL FOR TRANSACTIONS. 

I'm looking forward to resolve this issue and use Paypal again for my freelancing. 

Thanks and more Power! 

The account in issue is XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Subject : Dispute of Unauthorized and Incorrect Collection Account on My Credit Report Dear Sir/Madam, I am writing this letter to formally dispute the collection account listed on my credit report, which has been attributed to your company, XXXX XXXX XXXX XXXX. The account in question pertains to an alleged debt from XXXX XXXX  with the account number # # # # # # XXXX, with an original amount owed of {$400.00}. The details of the account are as follows : Original Creditor Name : XXXX XXXX Date Assigned : XX/XX/XXXX Original Amount Owed : {$400.00} Amount : {$400.00} Status Date : XX/XX/XXXX Status : UNPAID Balance Date : XX/XX/XXXX Account Designator Code : INDIVIDUAL_ACCOUNT Account Number : # # # # # # XXXX Creditor Classification XXXX XXXX Date of First Delinquency : XXXX XXXX, XXXX I would like to assert that I have no knowledge of this debt and have never had any dealings or contractual agreements with XXXX XXXX that would result in the debt you claim to be owed. Furthermore, I believe that this collection account has been reported in violation of several laws and regulations, and I am prepared to take the necessary legal actions to rectify this situation. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), it is my right to request validation of the alleged debt and to ensure the accuracy of the information being reported on my credit report. I demand that you provide me with the following information within 30 days of receiving this letter : Written proof of the debt 's validity, including a complete accounting of the alleged debt and all supporting documentation. 
Verification that your company is licensed to collect debts in my state.

Verification of your legal authority to collect the debt on behalf of XXXX XXXX. 
A statement confirming that this alleged debt will be removed from my credit report and that no further negative information will be reported if you can not provide sufficient validation within the allotted time. 
Failure to comply with this request will leave me with no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney General office. I will also seek legal counsel to pursue any appropriate legal action against XXXX XXXX XXXX XXXX for violating my rights as a consumer.