23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

On XX/XX/2017, I went to XXXX to purchase a blender. XXXX offers the option of utilizing Paypal creditl to purchase the blender interest free for 12-18 months. I applied for credit and was provided a {$3000.00} credit limit, way more than I needed. I attempted to purchase the blender and received an error. I called Paypal and talked to Security so they could verify my identity. Upon completing XXXX questions, I was told by Security that I was all set. If I have any other issues it is Paypal proper and not them because they have their own process. Again, I attempted to purchase the blender and even though I chose to use my Paypal credit account the purchase would not go through. I contacted Paypal again and was told that for security reasons, I could not use that credit until I had made other smaller purchases. Purchasing the XXXX would only utilize XXXX % of my credit line which is not a lot. Also, in the Terms and on my available credit it does not say that the whole credit line may not be available to me. I can only assume that they were trying to force me to make interest bearing payments. I asked to speak with a manager and was left on hold for 40 mins before I hung up. On XX/XX/XXXX, I again tried to understand why I could not make the purchase. After talking to XXXX different people, including XXXX managers, no insight was given and I was told I would have to use an alternative payment method. The last person I spoke to was a manager. I explained the issue and told him I thought this was deceptive as I believed they wanted me to make interest bearing purchases before using my interest free credit. I asked for my account to be closed and my information to be deleted. He responded by hanging up on me. I then tried to contact their privacy department to ask for my information to be deleted and was not provided an easy mechanism to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft I filed a report with the federal trade commission and let the credit bureaus and collection company fair collections and outsourcing know and attached the report to my dispute. all but Equifax has not removed the debit collection from my report. I filed over 6 disputes attaching the FTC I didnt identity theft report and still its not been removed from Equifax
Product: Debt collection

Amcol has committed Aggravated Identity theft in pursuant to Federal Law 18 USC 1028a uses, Without lawful authority. 
Along with many other Federal violations under the FDCPA. According to 15 USC 1692g the consumer has a right to validate an alleged debt. 
On XX/XX/XXXX I sent out a validation letter via certified mail to Amcol, after seeing a collection for an alleged medical debt furnished on my Consumer report XX/XX/XXXX XXXX XXXX signed for the certified mail. 
On XX/XX/XXXX I received an alert from XXXX that Amcol System Inc. flagged my account with a collection on XX/XX/XXXX, without validating the alleged debt after receiving the validation letter and still marking it as collection but failed to send me the audit trail so I can exercise my rights as a consumer by validating the alleged debt. I also called XXXX Today XX/XX/XXXX at XXXX and spoke with XXXX XXXX he couldn't provide his last name but stated that he is on the XXXX  XXXX XXXX he then confirmed that the alleged debt start reporting in XXXX and XX/XX/XXXX Amcol System Inc reflagged it which caused me to get an alert. Amcol is still furnishing deceptive information on all my consumer report causing many damages. 
An identity theft report from the FTC will be attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

A loan was taken out in my name in 2018 with XXXX XXXX in California. I have never lived or visited California it is a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 48 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the charge-off accounts with past-due balances, unauthorized Partial Account Numbers, and outdated account information XXXX to XXXX XXXX XXXX, thats displayed on my credit report. The Fair Debt Collection Practices Act gives accurate, and precise instructions that promote accuracy concerning information placed on consumers credit files for current and future verification. However, when certain information concerning accounts and account numbers are not displayed accurately on credit reports, this issue becomes abusive, unfair, or deceptive practices that involve erroneous information being placed on consumers credit profiles which is a Fair Debt Collection Practices Act Violation. 

A charge-off account is identified as the following : no longer valid, closed, terminated, canceled, or discarded. There is nothing available to conceal or protect when dealing with a charged-off account that is no longer active. Credit agencies have led consumers to believe by placing partial account numbers on credit reports is preventing possible identity theft of information. When in actuality the account numbers are being concealed which prevents account information from being properly verified by consumers. 

When creditors provide account information to credit agencies, they receive a complete account number without symbols or foreign characters. When credit agencies conceal, replace, or add other characters to an account number on the consumers credit report, the account information then becomes inaccurate and erroneous reporting. A charged-off account is no longer subjected to identity theft for future gain. 

According to the Fair Debt Collection Practices Act, a past-due account refers to a payment that has not been made by its due date. My concern and question at this point are how a charge-off account can have a past-due amount when the charge-off account is closed and no longer considered an active account. 

The only accounts recognized to have past-due balances are active accounts, late payment accounts, and accounts placed on a forbearance agreement plan. This means the charge-off past-due accounts with past-due balances listed on my credit report are inaccurate and erroneous information. This means the creditor is still waiting for a payment to be made on a closed account that has been sold to a different agency. This is a violation of XXXX XXXX. XXXX Section XXXX ( a ) ( XXXX ) ( B ) when promoting accuracy and fairness.
Product: Credit reporting or other personal consumer reports

I have a XXXX charge off account reflected on my credit report That I have no knowledge of. XXXX has refused to provide debt validation despite several requests I have made.
Product: Credit card or prepaid card

On XX/XX/2022 I was alerted to two nefarious charges made to my Netspend card account that I immediately disputed/reported stolen. The card and account were subsequently blocked. I then had, and still have, no access to this account. I received to email notices from Netspend that the issue had been logged and that they would send me a replacement card within XXXX business days at no charge. Additionally it would be one that would be connected to this account. 
It has been as of this notice, 13 business days and still no replacement card. 
On XX/XX/2022, I received a notice that a dispute had been opened and further that at my written request I could ask for a provisional credit to my account. On XX/XX/2022, I did send a written request for a provisional credit. I have yet to receive the provisional credit on my account- it is XX/XX/2022. Additionally, on XX/XX/2022 I then received a notice ( via email as all previous notices have been sent to me ) that there is a problem with my account and that I need to call customer service to rectify the situation. 
However, I have been unable to reach a customer service representative as there phone prompts do not allow me to reach on unless I enter my card number. That card number is blocked, null, and not identified as usable for this procedure. 
I have emailed their customer service numerous times explaining my situation only to receive continuous faulty instructions on how to reach said customer service!! 
Without a replacement card and also not being able to reach a customer service rep, I am unable to access my account still, and have no means to reach or use my funds. 
I also emailed their president with no reply from them. 
They today emailed me stating that they would get back to me in TWO days to, what they claim, will be to solve this ludicrous situation and flaw and fault on there side of this fiasco. 
I have rent and a phone bill due immediately. I am anticipating being without phone service and an eviction notice in two days!!!! 

As of this notice I am out of the two additional disputed and illegal charges to my account plus two subsequent overdraft charges. 
Ridiculous! And unethical!
Product: Debt collection

In accordance with the Fair Credit Report Act XXXX Account:XXXX Amount Collect : {$400.00} from Creditor : MIDLAND CREDIT MANAGEM, has violated my rights. 

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

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Vehicle loan or lease

I called for a due date change, then a few days later I received a collection call I was 2 payments past due when I have not even had the vehicle for 2 months. I spoke to repersentitive and stated they can only receive calls and can not place calls out. I have a job and had to take 15 minutes of unscheduled leave due to this issue. I wanted to know also how has this affected my credit report?
Product: Credit reporting or other personal consumer reports

This Person ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by FEDERAL LAW that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX furnished to my consumer report I did not give written permission to.
Product: Money transfer, virtual currency, or money service

This is continuation of my previous report # XXXX. 
I sent money to the XXXX XXXX using Remitly. I sent {$2000.00} to a company. The company says the recipient never received the money. When I contacted Remitly they said someone already picked up the money. Then later they ask to see the bank statements for the recipient, the dollar account and the dominican pesos too, I sent Remitly both, and now they tell me because I sent the money in dollars to a dominican pesos account they don't know what happened to the money. They cant even do a reversal, and telling me to call the recipients bank, the recipients bank have no deposit. and XXXX XXXX have been dealing with this since XX/XX/2023 and there has been no resolution. I need to know where my money went. Remitly is not helping me at all they just tell me the money is lost and they have no idea where its at. The account number that it was sent to is correct but the money was never received and they can not tell me where it went. Please
Product: Debt collection

I borrowed {$10000.00} from the XXXX ( XXXX ) in XXXX and in XXXX. After taking their finance charges and interest rate up front ( {$140000.00} ) the actual monetary value that I received was {$8600.00} for each year, {$8400.00} of which went to pay my XXXX XXXX tuition for each of those two years. For a total Principal of {$17000.00}, I paid XXXX $ XXXX {$30000.00}. 

I asked XXXX on many occasions to send me a statement stating that my Loan had been retired. I never got any response back from them. Years passed until one day, I received a call from a debt collector purporting to represent XXXX in their attempt to collect an outstanding {$30000.00} debt that reportedly owed. Of course I disputed this and sent them documentations of payment I sent the Agency over they years. I never heard from that particular Debt Collection Agency or XXXX again, except every few years, another debt Collecting Agency purporting to rep rent XXXX will resurface and we will go through the same thing again. 

In XXXX this year ( XXXX ), up until the present ( XXXX/XXXX/XXXX ), I started receiving a barrage of harassing and threatening phone calls at all hours of the day, sometimes as late as XXXX ; on weekdays and on weekends. They would call one of my Mobil Phones by the hour-it got to be so annoying that I decided not to recharge the battery when it died down and instead started using my second Mobil Phone which is unlisted. I have blocked the multiple different numbers that they use only for them invent another phone number. They have so many deferent phone numbers- more numerous than the XXXX so it was futile on my part to try to keep blocking these numbers. Somehow, they got my work phone number and has been calling my practice non-stop and disrupting my daily clinic activities when I am caring for my patients. Despite my telling them to cease and desist, these threatening and harassing phone calls continue unabated. The calls have been relentless. 

Even though, I told them the debt has been completely paid off and I do not owe any debt, they threaten to sue and take my property. They have gone as far as fictitiously conjuring a figure of {$130000.00} out of thin air as the debt that I owe. To make good on their threats, they have referred this non existent bogus debt to an attorney who in tandem with Transworld Systems Inc. continue to threaten and harass me and my family. They left a message with my wife to call them urgently to discuss the {$130000.00} phantom debt or else they will take legal action against me. 

Despite telling them about the history of the XXXX Loan and letting them know in no uncertain terms that I have paid the debt in full, the harassing and threatening phone calls continue unabated. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I am writing to dispute a late payment entry on my credit report related to my mortgage account with Gateway Mortgage, account number XXXX. This entry, which appears on my report from [ XXXX ] , inaccurately reflects a late payment for the amount of {$1600.00} and is negatively impacting my credit score. 
I believe this entry is incorrect due to the following reasons : 1. Technical Payment Error : In XX/XX/2023 I made a timely payment of {$1600.00} to Gateway Mortgage through their online payment system. Unfortunately, a technical issue caused the payment to be applied to the wrong month, leading to a mistaken late payment entry for the XX/XX/2023 billing cycle. Made on time and that the late payment was recorded in error. 
2. Good Payment History : Prior to this incident, my payment history with Gateway Mortgage has been consistently timely and in good standing. This technical glitch does not accurately reflect my creditworthiness or payment behavior. 
In accordance with the Fair Credit Reporting Act this creditor Gateway Mortgage, ( GTWY 1ST FKA GTWY MRTGE ) has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604 ( A ) section 2 it also states that consumer reporting agency can not furnish an account without my written instructions. Under 15USCS 1666b a creditor treat a payment on a credit card account under and open-end consumer credit plan as late for any purpose. 

I am including a photo of where I reached out to the mortgage company to get this resolved, you can see that I was trying to resolve the issue with paying online. Please note that this email was sent in XX/XX/2023, and they reported a late payment for XXXX...
Product: Debt collection

These aggressive, and I'd say unethical, debt collectors continue to call my home phone number, though I have contacted them directly on their website, through the XXXX XXXX XXXX, via CFPB, and by written cease-and-desist letter. They are apparently trying to contact someone who USED to have my phone number, but no longer has, as I've had this number for nearly 3 years, and am not in default on any debt. By their own admission, they do not have an account in my name, yet they will not remove my home phone number from their database. My next step will be to contact the Attorney General for my state. I've reported every call of theirs to the FTC, but the calls continue.
Product: Mortgage

I am currently working with XXXX XXXX, XXXX, Realtor from XXXX XXXX XXXX on a short sale on my property. 

On or about XX/XX/2018 her negotiator, XXXX XXXX from XXXX XXXX XXXX prior filed the short sale request and all the documents with Specialized Loan Servicing ( aka XXXX ). XXXX XXXX received a confirmation / acknowledgement e-mail from Specialized Loan Servicing regarding the short sale. The file was assigned to XXXX at Specialized Loan Servicing ( aka XXXX ). 

Although we filed for short sale and Specialized Loan Servicing ( aka XXXX ) acknowledged receipt of such on XX/XX/2018, XXXX XXXX XXXX  for bank/servicer/trustee filed a Motion to Reschedule Foreclosure Sale on XX/XX/2018 and set it for hearing on XX/XX/2018. ( See attached documents ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Okay as I go to look at my fico score for XXXX, XXXX, and Transunion I get the score unavailable indicator.. 

For reason being whats wrong with my fico score and why it says unavailable it has enlisted for one of the indicators on all three of my reports that Ive been labeled as deceased.. this is unlawful use of ny credentials and is in violation of fair credit reporting act and I would like to be compensated for this
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted XXXX request letter to block identity theft information on my report. Per law this was to be done within 4 days. I have also included a police report, FTC identity theft affidavit, proof of my identity. These documents have been received as of XX/XX/2021 but no information has been blocked. I have included a copy of my request for block, affidavit, police report and proof of identity along with this complaint. The documents submitted were not a request to dispute/investigate but a request to block the information under section XXXX XXXX b ). 

Thank you XXXX XXXX
Product: Checking or savings account

Fraudulent account opened by The XXXX XXXX  doing business as Chime. Received an e-mail from Chime on XX/XX/XXXX regarding an account in my name, which I never opened nor wanted. I immediately replied that no such account had been opened by me. In XX/XX/XXXX I received a Form 1099-INT for this fraudulent account. Again I contacted Chime Member Services, with no response. In XX/XX/XXXX I again received an e-mail from Chime regarding services available thru my fraudulent account. I filed a report with the Federal Trade Commission, thru their Identity Theft Report system ( FTC Report Number : XXXX ) on XX/XX/XXXX. Receipt of a copy of this report was acknowledged by Chime on XX/XX/XXXX via e-mail, which stated that they would, " ... provide an update regarding my account status within 2-3 business days. '' No reply was ever sent. On XX/XX/XXXX I sent a letter to Chime at the suggestion of IdentityTheft.gov, using a form letter they provided ( attached ). To date, I still have not received any reply from Chime.
Product: Credit card or prepaid card

I am a member of the class summarized in this formal complaint to PayPal Credit : XXXX XXXX XXXX PayPal credit opened a credit line with Synchrony Bank without my consent or authorization. A current balance with PayPal was then applied to the Synchrony credit line without my knowing, which incurred monthly late charges. These series of late charges from this rogue account brought my near perfect credit score of 840+ down almost two hundred points in a matter of weeks! 

I was finally able to get the fees dropped and the credit line closed, but the delinquent remarks remained on my credit report. I was told by a PayPal Credit employee that a letter would be sent out to request the delinquent remarks be removed, but almost a year later, the remarks are still there. This is blocking a current home mortgage application for me and my wife to be. PayPal Credit 's negligence is jeopardizing my housing situation and future, and I can't even get a representative to help me. We can only see the derogatory marks on credit reports and do not even have the account numbers or any information about the account. Every time we try to call we get sent back and forth between PayPal and PayPal Credit with XXXX resolution.
Product: Debt collection

Calling at XXXX. Trying collect debt that was charged off since 2009. I have been unemployed for 9 years. And having a hard time finding a job. If did have a job. I would definitely pay my bills. And they did n't read me fdca act until later in the conversation.