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

I was completing a purchase using Ebay. I tried to pay using my PayPal balance as I usually do and was asked for verification information. Upon completing the verification process and accepting the terms of service ( which I mistakenly thought were updated terms for using PayPal ) I was told that I had opened a {$5500.00} line of credit with PayPal. I did not want this and promptly called and closed the line of credit. This same thing happened to a friend, so it seems clear to me that they are trying to trick people into opening lines of credit. I am very frustrated and thankful that I caught the mistake. Unfortunately the application and line of credit will be reflected on my credit by credit monitoring agencies for years to come. I have no doubt that this will have a negative impact on my ability to pull credit when I actually intend to do so. 
I understand there is nothing to do regarding this case, but I would like to file a complaint with the hopes of encouraging PayPal to change its ways. 
Sincerely, XXXX
Product: Credit reporting

On XXXX I called Experian to request a persistent Dispute remark to be removed from my credit report. Ive called numerous times and keep getting the run around. Ive requested to speak to a manager and have been denied the right to speak to one. They have basically told me to go pound dirt. Ive had to call XXXX and XXXX to have the persistent dispute notations removed and they were kind enough to remove the persistent dispute notations the same day. Im trying to get a mortgage and currently going through under writing. The under writer cant write a loan with persistent dispute notations. I feel Experian is holding my credit report hostage to a Persistent dispute notation, that I have requested be removed. IM reaching out for help because I keep getting the run a round from Experian. All Im asking is for the persistent dispute remark be removed. I have an expected closing date XXXX which leave me 11 days to close and Experian refuses to remove the persistent dispute notation. Pl help if not I will lose my escrow money. Please please.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been more than 30 days and the creditor has not updated the information nor provided proof or documentation of the late payments on my credit report. They have not supplied this information and must remove the alleged late payments on my credit report. Under Federal Law they had 30 days to complete this investigation and by failing to do so the item must be deleted from my report as soon as possible.
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 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Debt collection

I have a judgement from XXXX for a vehicle purchased for XXXX thru Chrysler Credit from XX/XX/XXXX?? Been so long I do n't remember. When the economy went bad in XXXX we had to let it go, and returned it to the XXXX dealer in XXXX Mo. After that we received a letter stating the vehicle had been sold at auction for XXXX, reducing the amount we owed to XXXX. At the time we also lost our home, so the vehicle was not at the top of our priorities. Today, 11 years later this company continues to garnish my wages. They show I have paid XXXX and still have a total due of XXXX! A year and a half ago, a relative had me ask them if they would accept a settlement, I gave them an offer and they laughed. They said they would accept XXXX. My wife has become ill and has been diagnosed with XXXX called XXXX, she can not work and is in XXXX. When they renew their wage garnishments every few months, our income gets tight, and we can not purchase all of her medications sometimes. The worst thing of all, Chrysler does not even have a record or account with my name on record anywhere.
Product: Credit card

I sent a letter to the company explaining that I was a XXXX XXXX XXXXXXXX XXXX in XXXX, which forced me to take on debt in my name. Before this, I always paid on time and had no late payments. I asked if the company could help by waiving the balance that wasnt truly my responsibility and fixing the credit reporting for the account. I have not heard anything back from the company. I attempted to contact them via an online chat on XX/XX/XXXX and kept getting a run around because their agent could not simply look at the account to see the letter that I sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 credit cards that I pay in full monthly that Im the authorized user on. XXXX  is not reporting the information and removed the wrong accounts from the report. They refuse to re - add the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Transferred my Mortgage to XXXX XXXX XXXX  XX/XX/XXXX, While we had completed all documentation and agreement for the allowed Forbearance to be Deferred and restart of existing Mortgage Payments. XXXX DID not report any Delinquency or Default. Once I was notified, I started to contact XXXX  a few days per week to find out what was going on and to ensure everything already agreed with XXXX XXXX was to continue. Every call was met with " we do not have the paperwork, an account has not been created, please call back. Eventually approx XX/XX/XXXX I was able to speak with an agent at XXXX who advised they had paperwork, however I had to fill out THEIR XXXX upload to them. In the meantime I started to receive MAIL dated from the beginning of XX/XX/XXXX, that our Mortgage was Delinquent and threatening Foreclosure. I hired XXXX XXXX XXXX to STOP this misinformation and actions, and XXXX  were advised that XXXX XXXX XXXX rules and regulations were to be followed and that they also had to abide by my application with XXXX XXXX XXXX XXXX then started a Trial Payment plan of 3 months, XXXX, XXXX, XXXX, which we completed on Time. XXXX  account on the portal shows a REPAYMENT PROGRAM and BALANCE and NOT the Trial Payment Plan, and ALSO not the agreed Mortgage terms as signed notarized and returned VIA XXXX XXXX XXXXXX/XX/XXXX. XXXX reported to all Credit Agencies we were delinquent 180 days, IN XX/XX/XXXX. They did not own the loan during the forbearance, nor had any payments with XXXX  been set up until AFTER legal services intervened. They have also reported that my 3 payments made on time are paid, unpaid, no details. Have since signed mortgage agreement to continue original Mortgage, HOWEVER statement received today XX/XX/XXXX shows the Repayment Program NOT the Return to Mortgage Payments due to start XX/XX/XXXX. Due to this, Both Mine and My Wife 's credit scores with the agencies dropped XXXX point each. We have BOTH disputed to Trans, XXXX, XXXX, and it appears that nothing is being done. I have screenshots, letters, documentation to prove that XXXX  are STILL intentionally not fullfilling the process in a timely manner and due to the Credit Score Drop, we Have Creditors, now limiting our ability to get consolidation loan, pay bills, and no real resolution with both XXXX  and with the XXXX agencies. Already stretched financially by having to retain legaal services, XXXX has stated that since XXXX did not Authorize my payment to them, they are suspending our account and Legal Services. We have followed all instructions, advice and XXXX to no avail. XXXX  are the Cause, XXXX is unable to ensure proper business practice of XXXX, and now we are financially unable to pay for Legal Services or anything while the disputes with credit agencies are still open or not resolved to truthful satisfaction.
Product: Money transfer, virtual currency, or money service

I purchased an item through XXXX and transferred the money in XXXX. When I sent the money totaling {$1500.00} I soon realized it was a scam. Both Chase and XXXX said too bad they arent responsible for fraud. I didnt see anything on the site leading up to my transaction showing warnings about fraud or that it was not covered by Chase if it was a scam.
Product: Mortgage

I was told by Bank of America that they could not apply any payments because the house was in foreclosure. My conversations with BofA started on XXXX XXXX, 2015. The Notice of Default was not issued until XXXX XXXX, 2015. BofA received a payment of {$800.00} from me on XXXX XXXX, 2015 and had {$360.00} in a holding fund from a previous payment. When I talked to BofA on XXXX XXXX, 2015, I was told that no payments could be processed because the loan was in foreclosure. Had they processed the payment, the loan would not have gone into foreclosure and fees would not have been assessed. I sent BofA a cashier 's check on XXXX XXXX, 2015 to cover lawyer fees, foreclosure fees, and unpaid mortgage payments although I believe I should n't have to pay any of these fees. 

I received a document in the mail from XXXX XXXX XXXX XXXX XXXX in XXXX 2015. I called BofA to ask if this was a part of the foreclosure information. I was told by the person I was talking to that they did n't know who XXXX XXXX was and BofA was not associated with this company. XXXX XXXX is the company that filed the notice of default but because of the conversation with BofA, I thought it was some sort of scam. Today I asked my Account Manager, XXXX, to please fax me a copy of the Notice of Default. She faxed me a letter from BofA that is not the Notice of Default. I have attached the Notice of Default and the letter that XXXX says is the Notice of Default. If the person helping me does n't understand what the legal documents are, how am I supposed to receive quality information and help from BofA.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXXXXXX XXXX credit card was closed and charged off as bad debt in XX/XX/2017. However, Experian continues to allow XXXX XXXX  XXXX to inaccurately report the account as an open, revolving account WHICH IS NOT THE CASE. As a result, I have a TON of 90-day late payments reporting each month on my Experian credit report despite several attempts to have both Experian and XXXX  XXXX XXXX correct it. I am kindly requesting that they PLEASE show this account as closed and remove the derogatory 90-day late payments dating back to XX/XX/2017 immediately! I have enclosed a side-by-side of Experian and XXXX  's reporting as a point-of-reference and benchmark for you ; XXXX shows that the account is indeed closed and no late payments post chargeoff. Please help me by having Experian remove the late payments and report the account status correctly because closed accounts should not be able to continuously report new, negative information on my reports. This is hurting my credit tremendously as I'm sure you can imagine. 

Per the FCRA, Experian AND XXXX XXXXXXXX XXXX are responsible for correcting inaccurate credit reporting and this has been going on for far too long. I've disputed this directly with XXXX XXXX  XXXX and Experian and they've done nothing to rectify the situation.
Product: Payday loan, title loan, or personal loan

My employer received a call today and yesterday from this company wanting an email address or fax # to send a document to garnish my wages for payment of this debt. They called yesterday at XXXX central and again today at XXXX central. I know it is not lawful to threaten or even attempt to garnish wages in the state of Texas to pay a debt.
Product: Checking or savings account

I went to the Suntrust Bank in several locations where I was being followed by XXXX Men and Women discussing my bank account and making false allegations about my personal life. I have a block on my debit card on which I do not know why. Can you help me? I am being harassed about issues that I am having with the XXXX. They are trying to make it look like I have major problems with causing XXXX XXXX to make allegations about me and my mental fitness. I need access to my bank account.
Product: Money transfer, virtual currency, or money service

Binance.us is forcing users to consent to to their updated terms of use to extract funds from their account. After being caught illegally selling personal biometric data to 3rd party companies, they are trying to force us to waive our rights by holding our funds hostage. This is EXTREMELY illegal and requires immediate action against this them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

1. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3.The Following Account Was A Charge-Of. Balance should be XXXX. 
XXXX Account Number : XXXX The Following Account Was A Charge-Of... 

* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX
Product: Vehicle loan or lease

Ive been struggling with this car note. I XXXX XXXX and am building a business for myself. Business has been slow, but Ive been working on paying the bill. XX/XX/XXXX, I paid one and one-half month 's car note to start playing catch up. On XX/XX/XXXX, I called Santander to see if there is ANY relief, even if temporary, with the 25.92 % interest rate, as Im not making any progress on the principle. I'm told " no ''. I tell the rep I will only be two payments behind, which should avoid repo status, so I will follow up next month. Im struggling XXXX XXXX, which is how I earn money. On XX/XX/XXXX, early in the morning, after driving all night, Santander 's repo contractor came and go the car. Unlike with foreclosure, there is no warning. On the previous time i spoke with Santander, I was not up for repossession. PLUS, when the account went up for it, no one notified me. That didnt have to be that way. What if I had been out in public and became stranded? Regardless of wanting to help me keep the car, which I owe $ XXXX for after buying it for $ XXXX and paying over $ 10k towards in just interest and fees, I know more could have been done. Despite a couple of granted extensions to reduce delinquency, the law should FORCE ALL lenders to follow the mortgage protocol when loans default. Two payments past due should not warrant a repo, especially with no notice. The worst part is I just put over {$2000.00} worth of work in the car for battery, rack and pinion, tires, inner tire rods, and more. Plus, Santander KNEW IT!! Even worse, when my rent was WAY behind because I was working but income slowed down, I kept it updated monthly.
Product: Mortgage

1 ) My husband and I fell behind with mortgage payment, XX/XX/XXXX. Matters became worse, XX/XX/XXXX, when my husband suffered from XXXX and XXXX ( Medical care - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX, XXXX ) and was forced to stop working. Although, we are pursuing my husband 's XXXX ( payments ), we have fallen further behind. To date, XXXX XXXX. has never provide us with a monthly mortgage statement. We have requested several times for a statement. <P/>
2 ) We attempted to settle past due amount {$3000.00} ( account # XXXX )XX/XX/XXXX. Mortgage company ( Caliber Home Loans , Inc., XXXX XXXX XXXX, XXXX XXXX, OK XXXX ) refused our letter / offer to settle. The subject mortgage company, XX/XX/XXXX, pursuing foreclosure via their legal representation ; XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ( phone # XXXX ) 3 ) We have reviewed our situation with local Legal Aid Society of XXXX XXXX XXXX , XXXX., XXXX XXXX XXXX, XXXX, NY XXXX. ( phone # XXXX XXXX contact XXXX XXXX XXXX, XXXX. ) 4 ) Our hope and request is we to save our home ( value - {$130000.00} -  estimated, loan balance - {$30000.00} - estimated. We would like re-payment plan or re-finance ( conventional or possible VA loan. Please review above matter for any assistance you may be able to provide. <P/>Thank you, XXXX and XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Child support enforcement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts has violated my rights.

15 USC 1681 section 602 A. States i have the right to privacy.

15 USC 1681 Section 604 A.Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 then records of convictions of crimes which antedates the report by more then seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have also included screenshots of my credit report highlighting all errors and inaccurate information The first two screenshots are Child support enforcement. 
The next one is for XXXX XXXX XXXX XXXX. The third one is for XXXXXXXX XXXX 
And the last XXXX screenshot is for XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company did not remove an account from my report after the creditor/furnisher sent information about an investigation on the account and deemed it to NOT BELONGING TO ME. I have a letter from the furnished stating that they have investigated and found that the account did not belong to me. This letter is from XXXXXXXX XXXX XXXX and is on letterhead. 

I have attached the letter and the credit bureau needs to completely remove the account from my credit profile immediately and send me a full report and confirmation of this deletion from my profile. 

ACCOUNT NAME XXXX XXXX ACCOUNT NUMBER XXXX XXXXXXXX
Product: Consumer Loan

A leased car was returned to Ally Financial with all leased payments made. Ally inspected the car and stated that the " Key Fob '' did not work and have now billed me {$130.00} for a new fob. My concerns are : I returned the car to the dealer and the dealer made the remaining payments, car returned on XXXX/XXXX/XXXX, inspection of car made XXXX/XXXX/XXXX, all fobs worked on XXXX/XXXX/XXXX ( last time I saw the car ), I was never present at the XXXX/XXXX/XXXX inspection, do n't know if it needed a battery, or if it was the correct fob. Inspection report attached. 
Called Ally on XXXX/XXXX/XXXX and was told that I would be contacted in a few days, no contact was received, only the second letter which is attached. Ally assigned incident number XXXX to my call.
Product: Credit reporting or other personal consumer reports

Investigation took less then 24 hrs without explanation how they found the issue in less then 24 hours
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report from Experian and noticed that I had two late payments on account number XXXX  XXXX XXXX that I was never late for. In addition XXXX online monitoring services report, I have no late payment and no collection therefore it's an inaccuracy. 

15 U.S. Code 1681e - Compliance procedures reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

To Whom it may concern, I have a checking and saving account in Chase Bank. I received a check for a rental payment from my tenant with the amount of {$8400.00}, post date XX/XX/XXXX and I deposited the check on XX/XX/XXXX. The fund went through successful after a few days. However, a few months after, on XX/XX/XXXX, I received an email notification from Chase which state that my account was overdraft and the check was return due to reason of " the payer bank suspects that the check is a forgery. '' I contacted Chase regarding to the issue and they did not give me any explanation of the reason why it take a few months to find out that it is a forged check. Instead, the fund went through to my account and was deducted without any advise a few months after. While I visited the branch and called the support number at the back of the debit card, both of the banker on site and the customer support on phone does not have any idea of why it takes so much time to verify and both of my checking and saving account were closed immediately as a non-reversible decision. 

I am the victim who lost the amount of the given check, at the same time, the Chase bank suspended my bank account for no reason and will no help to investigate. I have filed a local police report at XXXX Police Department, case # XXXX. However, the police states that they do not have enough evidence as they do not have the actual check on hand and either the Chase bank or the check issued bank which is XXXX XXXX  should provide me more information of the reason why and how they have proof the check is a forgery.