23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Chase is reporting a mortgage as owing when their own release shows it is not ( see enclosed ). Chase is reporting the item as delinquent and still owing in a malicious attempt to ruin my credit ... 

CHASE XXXX XXXX
Product: Mortgage

My mortgage provider Ditech decided without out my permission or reason to add earthquake insurance to my escrow. I live in Michigan where earthquake insurance is not required and I do n't find it to be necessary. I sent an e-mail to Ditech asking why this insurance was added to my escrow. I received an auto reply and then the next day I received a second e-mail stating that my request was being reviewed for appropriate processing. That was two days ago and they have not bothered to follow up with an answer. I am sure that it should not take that long to provide me with an answer if they were planning on telling me the truth. 

I do plan on contacting a lawyer to help me review and explain the escrow to me. I do know that the earthquake insurance should not have been added to my escrow. I prefer to communicate via e-mail because you ca n't deny the conversation. I do not want to discuss this matter over the phone with Ditech being that I do not have a way to record the conversation. Any and everything can be denied being said when you have no hard proof to back you up.
Product: Credit reporting or other personal consumer reports

Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports. The LAW CLEARLY STATES : ( A ) In general Subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you permission to furnish this account on my credit report?

Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumer credit report clearly states ( A ) EXCLUSIONS- Except as provided in a paragraph ( 3 ), the term consumer report does not include - ( A ) Subject to secti
on 1681s-3 of this title, any - ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report : Reverse the above late payments from my consumer report, this agency is in violation of 15 USC section 1681 Failure to respond satisfactory with reversing of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC S 1692g violations 4. Fair Credit Reporting Act 15 USC s1681 violation for willful noncompliance- s616 Civil liability for willful noncompliance [ 15 USC S1681n ]
Product: Debt collection

A storage unit keeps saying I owe them money I've never even lived in that state. I called and spoke with the storage unit manager they even stated it's not me. The debt collector keeps putting it on my credit. Need this resolved and they keep harassing me on my phone I already proved it is not me
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has an address reporting on my report and to be exact the address does not even exist. I called them on XX/XX/XXXX and they claimed to have removed it on my report and it still reports. I never lived at XXXX XXXX  XXXX XXXX, ga XXXX and the addresXXXX XXXX XXXX XXXX  ga XXXX does not exist
Product: Credit reporting, credit repair services, or other personal consumer reports

After several attempts and sending information with required ID, Bill & SS card they are using generic auto tactics! They will not issue my credit report. They have fraud alert I never asked for at all. They are reporting debt that I dont not have being filed XXXX XXXX Bankruptcy- they have wrong addresses my only address is XXXX XXXX XXXX XXXX XXXX MD XXXX, My jobs are XXXX XXXX XXXX formerly XXXX XXXX  years & XXXX XXXX XXXX XXXX  year only- They have inquires from 2022 never did and reached out to fraud department no help at all! They raised my score and dropped it for NO reason at all! My score should have raised without all the debt that has been discharged!!!!!! Its always generic responses no help st all or accurate information!
Product: Checking or savings account

On XXXX XXXX I made an online purchase of an appliance through XXXX XXXX and Kitchen appliance store. Due to Covid they were unable to get this appliance in stock so they issued a refund to me inXX/XX/XXXX. I had since then changed banks and closed my checking account down so they were supposed to send me a check but instead refunded the money to my closed account via PayPal since that is how I had paid for the item. PayPal then tried to refund the money to my closed XXXX checking account and it was automatically rejected and returned to PayPal on XXXX XXXX. The amount is for {$2600.00}. Both companies are now telling me that they do not have the money and there is nothing they can do for me beyond their original researching to tell me they sent it to the other party. 
I was provided a transaction ID from PayPal showing they sent the money to XXXX and XXXX said their system can not accept money on a closed account so they dont have a way to generate ID numbers on an action that wasnt taken. The money never reached my account and showing PayPal my bank statement hasnt been enough to prove them that XXXX isnt still holding on to the money. They will not investigate further till I have proof from XXXX that they do not have the money and XXXX is telling me they dont have any way to prove that. Neither company seems willing to go beyond the basic glance at my account before blaming the other party. 
On XX/XX/XXXX I initiated a conference call myself and had both companies on the phone and theyll by the end of the call XXXX was to do more research and see if they could prove they didnt have the money in a way that would make PayPal happy and PayPal will do nothing till they hear from them. 
I called XXXX again on XXXX and was told they could do nothing for me and to take it up with PayPal, who is also doing nothing to find this money. Im not sure what to do now.
Product: Money transfer, virtual currency, or money service

My PayPal account was closed without proper explanation. 
Since I still had funds in the account, I had requested PayPal to refund the parties paying me on my account, but PayPal refused. 
XXXX, XXXX and XXXX all stated I would have to have the other party file a dispute to get their money back which will occur a dispute charge fee. This was on a phone call on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of XXXX. 
Explained several times to PayPal rep, it makes no sense for taking my ability to return the money to the other party if my account gets closed, and wanting to hold my money for 180 days. 
I understand the 180 days hold if I wish to keep the funds, but that is not what I am asking for. I do not want the money, I want to return them to the other party period.
Product: Credit card

So I went and bought a XXXX in 2015 capitol one approved me for loan do n't no if it was a credit card or a auto loan I believe a credit card so I got into a accident insurance paid for some of damages and basically I sent check to capitol one to pay off debt on XXXX they closed my account damaged my credit deliberately saying it 's because I went 30fays past due more than once but actually that 's not the reason the real reason is because I paid off more than half the debt if u check into it u will c XXXX is about when I sent in check to pay off most of debt so they closed acct these practices of closing accounts when I 'm still paying on loan should not be able to happen to consumers also I never received statements for almost a year they did n't send me any correspondence to the closing of acct
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is refusing to delete fraudulent inquiries from my credit report. They said that inquiries are a statement of fact, but that doesn't mean that I have given them permission to view my credit so this information is incorrect and should be investigated and deleted. 

I have spoken with the inquirers and they have all stated they put in a request to have the inquiries deleted, but Transunion has done nothing still. 

The inquires are XXXX/XXXX  Inquiry from XX/XX/2019 XXXX/XXXX Inquiry from XX/XX/2019 XXXX XXXX Inquiry from XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 2023 NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL Dear Discover Dispute Team : I recently received a copy of my ( XXXX, XXXX XXXX XXXX XXXX consumer report, and I noticed some late payments posted on my consumer report : Account # : XXXX XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( DISCOVER ) Making the report is not INCLUDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
You have 10 calendar days to update my Payment history and or delete all late payments from the below account/s DISCOVER BANK XXXX XXXX Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX, XXXX Enclosed : copy of ID and Utility Bill showing proof of address
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an investigation into the inaccurate information reported by XXXX on my credit reports. The account in question is currently in collections, and the reported information is not reflective of the accurate status of the account.
Product: Credit reporting or other personal consumer reports

I am reaching out to address several issues I've experienced with the credit bureau, including incorrect account listings, unauthorized inquiries, inaccurate credit reporting, and billing errors. I need assistance in resolving these matters to safeguard my financial security.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts on my report, theyre hurting of my ability to obtain credit. 

XXXX XXXX XXXX  Account number : XXXX Amount : {$330.00} XXXX XXXX XXXX Account number : XXXX Amount : {$230.00} XXXX XXXX XXXX  Account number : XXXX Amount : {$960.00}
Product: Debt collection

Americollect claims I owe money for a medical bill. They placed several calls to my employer but did not call me. When my employer returned the call Americollect informed them that they were attempting to collect a debt from me. I called Americollect and they informed me that my work number was what they had for contact information, but I have never given my work number to anyone - I did not even know the number and had to look it up.
Product: Credit reporting or other personal consumer reports

I need to re-document and refile this grumbling to NATLCRSYS. I kept in touch with them the errors of my credit report including dates of last payment, dates opened, payment history, and account status. They professed to have led an exhaustive examination, in spite of the way that it its more of 30 days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated. My rights have been disregarded various times. 15 U.S.C 1681 segment 602 A. States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance. I filed an FTC report with the report number XXXX as my formal complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards with the incorrect items on my credit report. It has been well over 30 days & i haven't received any investigation results.
Product: Credit reporting or other personal consumer reports

When I became aware of the collection on my report I immediately contacted Equifax, informed them I was writing to address a matter of significant concern regarding actions ( or lack thereof ) that I believe may have resulted in negligent behavior and non-compliance with certain statutory requirements under Section 1681O, which governs civil liability for these actions. and requested an investigation. Equifax has not completed an investigation. This action, or failure to act, has caused undue harm and has led to a breach of the legal obligations as outlined in the aforementioned statute. 

As per Section 1681O, individuals or entities who engage in negligent practices or fail to comply with legal obligations may be held accountable for the resulting consequences. It is my belief that your organization has failed to meet the required standards, which has led to me being denied credit. 
The following is on my report : The violations on my credit report is from the following agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Good afternoon, I filed for chapter XXXX bankruptcy protection in XX/XX/XXXX and included my CitiMortgage XXXX mortgage as part of my debts in that process. 
XX/XX/XXXX, nearing the end of my repayment program, CitiMortgage offered me the opportunity to be part of a loan modification program that would allow me to get back on track with payments. I successfully made the 3 trial monthly payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, signed the agreement paperwork which outlined the permanent terms for the remainder of my mortgage payments and was enrolled in the program. 
Out of the blue on XXXX my CitiMortgage discharged my mortgage and they have refused to make good on the terms set forth in our legally binding agreement of XX/XX/XXXX and with that my credit rating has further suffered due to their negligence. 
I will be happy to provide my bankruptcy attorney 's name and contact information as he too has tried to assist to no avail. 
Thank you for any help that you are able to provide.
Product: Credit reporting or other personal consumer reports

XX/XX/year> i sent equifax a letter asking them to verify the debt that they are claiming to to be reported on my credit. I have waited 30 days and they have not responded to my request and have not even let me know they are processing things
Product: Credit card

I was informed in XXXX 2016 that I had an outstanding balance for a PayPal credit card and yet had no idea that I had signed up for a PayPal credit card. I allegedly signed up for the account in XXXX 2016 and never used it until XXXX 2016. To be clear, I made the XXXX 2016 transaction thinking that I would be billed to my pre-existing credit or debit card account. 

I called the PayPal customer service representative who told me I allegedly went though a credit application process. He also confirmed that I may have confused their credit application button with their payment transaction button. He also confirmed that PayPal does not ask standard credit card issuer application questions ( e.g. what is your income? ), which would inform the standard credit borrower that they were in fact applying for a credit card. 

The damage is first to my credit score. I have had an outstanding score for my entire adult life, and it 's partly because I do n't frivolously apply for credit. Their hard credit check, in addition to my history of applications for another line of credit, damages my reputation to various critical parties, i.e. renters, employers, future loan issuers, etc. 

I 've gone so far as to ask PayPal to unlink this new credit card from my account as I do n't wish to give them my business. I 've also read that a previous class action suit in Maryland represented several similar complaints.
Product: Debt collection

I am writing to inform you I have been a victim of identity theft, and many of my accounts have been compromised without my consent. This letter is to inform your company I am disputing this debt and have filled a police report. I have a right under the Fair Debt Collections Practice Act to request validation of the bill for which your company is requesting payment. I am asking that you send me proof this account #  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the clarification lette r ( see  attached ) from  XXXX , Transunion refuses to delete the account from my credit report.
Product: Vehicle loan or lease

I bought the vehicle used from XXXX XXXX XXXX. in XXXX VA ( XXXX XXXX XXXX XXXX, VA XXXX ) XXXX XXXX XXXX, in late XXXX as a company vehicle. The vehicle was a 2010 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' XXXX XXXX. I had believed that I had automatic payments set up so I did not worry about anything. I missed two payments, one of which I did pay, and when I called the bank ( Westlake Financial ) they said they could do nothing and that It was back in the dealerships hands. I made one payment, so technically only missed one, and it was threatened to be repossessed. The dealership would not work with me and told me to pay it in full or it was be repossessed and he would take me to court and sue me if it was repossessed since he would not be the one to cover the lawyer and court fees. After the truck was back on his lot, the dealership owner told me that if I put another XXXX XXXX down, he could submit it to another bank to help me out.
Product: Vehicle loan or lease

I was not notified of the auction and what it was sold for as well as there are many discrepancies on my credit report that dont match the deficiency statement. Also Failed to send me a 1099c of the sale. Nothing on my credit file is accurate from their reporting.

15 USC 1681.
Product: Credit reporting

I submit a request for an annual report from each of the XXXX credit reporting agencies. XXXX and XXXX have my correct birthdate. Equifax does not. I have gone through the prescribed procedures to correct their error. I have repeatedly submitted my birth certificate etc. ; to no avail. As a result I can not download my credit report from Equifax
Product: Student loan

Mohela is not applying the PSLF ( public service loan forgiveness ) XXXX XXXX waiver to my XXXX payments that would grant me immediate forgiveness.I have been trying to resolve this nightmare for 2 years. Mohela refuses to listen or try to resolve this matter.
Product: Debt collection

Portfolio Recovery is reporting negative information on my credit file that has not been validated. I have asked that they send me proof that I owe this debt and that has not happened. Proof such as a signed contract with my signature on it. I have no knowledge of this debt and I 'm demanding that this debt be properly validated.
Product: Credit reporting or other personal consumer reports

There was a data breach in Equifax my information was compromised, I was a victim of identity theft and my information again was compromised. I notified the company of my issues which they resolved only a few items related to the fraud however, they decided to leave inquiries I reported directly connected with unauthorized inquiries into my consumer report. XXXXXX/XX/XXXX, 2024 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/scrub> 2024 XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX, 2024 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, 2024 XXXX XXXX XXXX XX/XX/scrub> 2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX, XXXX XXXX, 2024 XXXX XXXX, and XX/XX/year>2024 XXXX XXXX XXXX XXXX XXXX All these companies are in direct violation of my consumer rights 15 USC 1602P, 18 USC 1028A. 15 USC Section 602 A. Clearly states that I have a right to privacy. 15 USC 1681 SECTION 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I did not authorize anyone employed by any of the listed corporations to make such an inquiry and view my credit report. My rights have been violated according to the Fair Credit Reporting Act Section 1681 ( c ). They are not legally entitled to make the inquiry.
Product: Debt collection

At issue is whether or not it is legally permissible for Peoples Unit ed Bank of Connecticut ( " People 's Bank '' ) to act without our permission or authorization to take money from our account because Peoples Bank assumed the funds belonged to the Social Security branch of the Federal Government. Also at issue is Peoples Bank failure to provide us with the Governments written instruction, as we h ave requested.      People 's Bank wi thdrew {$1500.00} from our account ( owned by  XXXX   XXXX  and  XXXX   XXXX   ) o n  XXXX   XXXX ,  2017  to satisfy a debt owed by  XXXX   XXXX   (  NOT a debt owed by  XXXX   XXXX  OR  XXXX   XXXX , the account holders from which the money was withdrawn ).  People 's Bank claims they had the authority to withdraw the money " because the government aske d them to do so. ''  XXXX   XXXX  and  XXXX   XXXX  are NOT a party to the debt claimed to be owed to the  Social Security Administration. We ha ve requested tha t People 's B an k provide us with the Government 's written instruction to withdr aw these funds - and they have ignored our request.     We have also demanded th at People 's B ank return our money - {$1500.00} - but they have ignored our request.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contested the late payment on my account. yet they remain and have not been adjusted after the 30-day period.also, all the incorrect addresses link to my credit profile are inaccurate.