23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I had always paid my mortgage online every month with a mortgage company and they always show that they receive my payment. However, one time this bank sent me notice in 30 days that they never received the payment even when the website said they did. This caused a late pay to show up on my report. Their website clearly stated when i made the payment that it was made on time initially. I have tried to get the negative reporting removed with the company as well as thru the bureaus but have had no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX Accounts, 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  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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : 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 OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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.
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. 

Account number ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXXso 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: Credit reporting, credit repair services, or other personal consumer reports

I am a current victim of identity theft, XXXX, XXXX, and Experian continue to report fraudulent activity on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. FTC has been filed in XX/XX/2019, they did not comply within the 5-7 business days according to federal law.
Product: Credit reporting or other personal consumer reports

There are unauthorized accounts in my credit profile. I am no human there is no 3rd party involved. I have reported to CFPB, XXXX, and Texas Attorney General about his manner. I need it removed as soon as possible. I have attached provided documents.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I purchased {$5000.00} XXXX from XXXX and put it in my coin base wallet. I did the same on XX/XX/1928 XXXX and XX/XX/XXXX {$5000.00} each time so my wallet had {$25000.00} and a week later I went to check my earnings and my coin base wallet was empty. I have the last email of coin base describing what and how this happened by a third party which was not authorized by me and doesnt make their wallet to safe
Product: Debt collection

I was sent a letter on XXXX XXXX, XXXX ; from Patenaude & Felix , A.P.C., XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ; stating I owe : {$6000.00} from XXXX XXXX XXXX, XXXX. ; account # : XXXX XXXX XXXX XXXX. I will first state ; the last payment made on this account was XXXX XXXX, XXXX, the account was Charged Off on XXXX/XXXX/XXXX and closed, this account was removed from all XXXX of the major credit reporting agencies in XXXX XXXX, XXXX removed it : XXXX XXXX. 

XXXX XXXX, XXXX ; the above law office sends past bill notices and also they sent me a " Judgement by Default '' dated XXXX XXXX, XXXX ; in which I NEVER knew about, NO ONE EVER HAD ME SERVED, AND THIS IS THE FIRST I HAVE SEEN OF THIS court document. Case # : XXXX. 

I would like to know, how can XXXX get a judgement on me in XXXX, after they Charged Off this account, and AGAIN, this account was removed from my credit reports in XXXX and in XXXX XXXX. 

I responded to their first letter on : XXXX XXXX, XXXX ; stating the 7-year diary has came and gone in XXXX XXXX ; the account has been removed from my credit reports, and trying to collect on an account after the 7-year diary is protecting me, this is not legal and I would like them to close the account from their files. 

This is when they followed up with their letter on : XXXX XXXX, XXXX ; showing a default judgement for XXXX XXXX, XXXX ; in which again, I was NEVER notified of being " sued for a judgement '' and I was NEVER notified of a court date. 

What I do know is, XXXX charged off this account. XXXX removed this account in XXXX XXXX. XXXX and XXXX removed it in XXXX XXXX. 

XXXX Credit report dated on : XXXX/XXXX/XXXX is stating and showing ; XXXX " Charged Off '' and " Closed '' this account on : XXXX XXXX, XXXX. Getting a Judgement on me in XXXX XXXX ; 2 years later and now a Law firm is contacting me to collect a debit, that is over 7 years old, this is illegal. 

Please help me with this matter. I do not have a scanner to scan my documents, but I can fax this to you if you provide me with a fax number.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a business credit card with XXXX ( it was a MasterCard,  then XXXX converted it to a Visa despite the company 's objections ). Several  times a few years ago, XXXX confirmed via its Secure Message Center that I am not personally liable for this account. Despite that, they are reporting negative information about that business account on my personal credit report. I've told XXXX about this, but they will not have this information removed from my account. They should have a record of the messages ( I think they were from 2015 ) in their file, so there is no reason why they should make these mistakes. It's dropped my credit score from well over 800 to being in the 600 's. After complaining to a manager or supervisor, XXXX promised me on a recorded call ( and in a written response ) that they would pull all secure messages from my archive and provide them to me. I have that in writing and can provide that to the CFPB upon request. They now are ignoring this issue and claim that they can not get the messages they promised to me. Moreover, they confirmed that they do not have any signature of mine or anything verifying my identity for the opening of this account that supposedly was done using my social security number. There were other instances of fraud where they changed this account number, and they have no proof that I opened this account or that I ever agreed to be personally jointly and severally liable for it. Accordingly, they should take this account off of my personal credit report. XXXX should remove the reporting of this account from my personal credit reports ( XXXX XXXX, Equifax, etc. ) and handle this with the company whose charge this belongs to. XXXX should also compensate me for the damage it has done to my previously impeccable credit report.
Product: Money transfer, virtual currency, or money service

I chose the closest issue to my complaint. 
I have had issues for over a year with Plaid.Many financial institutions use Plaid to connect your banking acct info to other financial institutions ti be able to receive money. Im unable to get access to many financial institutions that holds my funds or allows me to borrow funds because of issues with Plaids Sys.Since many financial institutions use Plaid to connect to your banking acct, if your unable to get through the login process with Plaid you have no access to your money.My issue is that the security answers to my security questions that are set up in their Sys are not being accepted even though they are correct.It took at least 6mos for the situation to kinda get rectified but its happened again. This has caused me to lose my lines of credit with several places and its causing me to not be able to access my funds because my bank info can not be authenticated through the security questions which is the only way to connect to get my money.This has is causing me so much stress and financial hardship because I cant access my money.Plaid has no telephone no and no email address and no mailing address.Youre required to submit tickets online which should be answered within 2 business days but they are not.Now, when trying to submit a ticket it gives an error message saying that the app is no longer supported.I dont know what app they are referring to because Im on their website looking for assistance.This is ridiculous and a beyond serious matter because several financial institutions uses them and theres nothing that can be done to bypass them.I can lose my home, car, credit cards, etc. because of their system issues and theres no way to contact them.Ive even reached out on their social media platforms with no response.I cant function in any way because I cant access my needed funds.They should be shut down.I have several screenshots and emails XXXX from 2022 up until now with the same issue.Now the only way to try to contact them does not work.
Product: Credit reporting

The following company XXXX XXXX XXXX has placed their company name on my Experian and XXXX Credit reports erroneously. This is a college/ university, I have never borrowed any funds from this company. I once attended this college back in XXXX. Federal Student loan assistance was used to pay for my education XXXX percent. This company has know legal right under federal law ( FCRA ) to report any negative information about me to the credit agencies Experian and XXXX. I have been disputing this account with the bureaus, however it comes back " verified '' each time since XXXX. I have also requested validation of this alleged debt from data furnisher. What I receive from XXXX XXXX XXXX in reference to justifying this alleged debt, were documents showing I once attended their establishment. No legal validation/ verification has been provided to justify their company name on my credit reports.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I purchased an airline ticket for my husband with XXXX XXXX. I chose PayPal as the payment option, and selected " use PayPal balance '' for the transaction, because I had {$2600.00} in my PayPal account at the time. The total cost of the purchase was {$2500.00} ( {$2500.00} for the ticket + {$41.00} for seat upgrade ). After the purchase, I checked my PayPal account and saw that my {$2600.00} balance was reduced by {$2500.00}, as expected. The following Monday, XX/XX/XXXX, I checked my XXXX credit card account ( which is linked to my PayPal account ) and saw that a {$2500.00} charge from XXXX posted to my credit card account. Upon reviewing my PayPal account, I found that the {$41.00} seat upgrade posted with the funding source as " PayPal balance '', but the airline ticket posted with the funding source as my XXXX card. However, my PayPal balance was still reduced by {$2500.00}. I spoke to PayPal, and they said that for some reason, there is still a temporary hold/pre-authorization on my PayPal funds XXXX though the transaction posted to a different account. I was told by PayPal that only the merchant could cancel a pending charge. I contacted XXXX XXXX and they told me there is nothing they can do because they have limited access to PayPal transactions and do not see a pending charge on their end. I then contacted PayPal again and was told they would escalate the situation and I would receive a call back, but as of today I have received no further communication and there is still over {$2500.00} tied up in this mistaken pending charge. The only concrete response I have received is that I have to wait 29 days for the pending charge to " fall off '' to get my Monday back, which is causing major financial hardship for my family. I spoke to 2 different people with PayPal customer service and they could both see the issue from their end. I have been unable to get XXXX XXXX and PayPal to communicate with each other directly to remedy this problem.
Product: Debt collection

I have an entry on my credit report from Consumer Adjustment Co saying I have a collection account for {$230.00} on my XXXX report. I called and spoke with XXXX and Consumer Adjustment Cois unable to find an account for me. I have not gotten any written notices of this debt I don't even know what this is for.
Product: Debt collection

Hello So recently my XXXX  XXXX XXXX was towed due to allegedly being illegally parked and then repossessed due to non payment which is completely inaccurate. After being repossessed my finance company ( SETF ) would not release the vehicle without me paying a complete pay off amount which was reported to XXXX. I am an XXXX XXXX XXXX  and I afraid that if this false debt is not removed I will not be able to finance or lease a vehicle for a very long time.
Product: Mortgage

NewRez XXXX ShellPoint is engaging in predatory lending practices. They have failed to pay our property tax, failed to pay our insurance, failed to pay the tax penalties we were assessed, and failed to properly balance our escrow account. They did finally send a check a couple months late for overage in the account but when deposited it was returned as not authorized so now I have a bank charge to pay as well. The issue is no one at the company has any competence to discuss and resolve the situation. We have made numerous calls, sent numerous emails all without a resolution. NewRez will not take ownership of their poor performance. It is ridiculous that I must search out legal council to address my issues. I previously submitted a report which accomplish nothing. There should be oversight from the CFPB, not just letters nobody reads and no action is taken. The real issue is there are thousands of people with the same issues I am having. ShellPoint has the most complaints of anyone. Why are mortgage servicers not held to the same standard expected of the consumer. This quite frankly is unacceptable as requires much more colorful language than is present in this complaint. This company should be immediately taken over by the government and closed.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX - From the Betterment website, I initiated a transfer in the amount of XXXX ( transfer # 1 ) intending to make contributions to my Roth IRA for the XXXX tax year. 

XX/XX/XXXX - XXXX XXXX XXXX transferred XXXX out to Betterment. 

XX/XX/XXXX - From the Betterment website, I initiated a second transfer in the amount of XXXX ( transfer # 2 ) to max out my contributions. 

XXXX - Betterment claims both transfer # 1 and # 2 were rejected. One for insufficient funds with a return code R01, and the second for what they called " Uncollected Funds '' with code R09. 

As far as I can tell, XXXX XXXX transferred money to Betterment ; yet, Betterment never returned it back to me. I have been calling Betterment and XXXX XXXX XXXX for two months in order to get to the bottom of it. Betterment claims they do not have my money, but the last record of it is leaving XXXX XXXX and never returning to my XXXX XXXX XXXX  account. 

I can provide transaction numbers from both parties on request. 

I can't get either party to agree ; however, the transactions were initiated from Betterment and I believe they are in the wrong here having taken my money and not returned it.
Product: Credit card

I am writing to formally request validation of the debt referenced in your recent correspondence regarding an account originally held with XXXX XXXX in the amount of {$1700.00}. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of the debt you claim I owe. Please provide the following information : The amount of the alleged debt. 
The name of the original creditor ( XXXX XXXX XXXX. 
Proof that you are authorized to collect this debt on behalf of the original creditor. 
A copy of the original agreement or contract that obligates me to pay this debt. 
Any other documentation that supports your claim. 
I dispute the validity of this debt and request that you cease all collection activities until you provide the requested validation. Furthermore, I ask that you refrain from reporting this debt to credit bureaus during this verification process. 

I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accuracy of the information being reported on my credit report by the listed creditors. I have already disputed these items with the credit bureaus, but the creditors have failed to provide verified information in response. As such, I am seeking your assistance in enforcing my legal rights under the FCRA and FACTACT. 

The inaccurate reporting by the creditors is causing serious harm to my financial wellbeing and has been affecting my ability to secure loans or credit. These inaccuracies have caused my credit score to be artificially low, making it difficult for me to obtain credit at reasonable rates. This has also resulted in me being denied credit opportunities and has made it difficult for me to obtain the financing I need to make important purchases. 

For instance, XXXX XXXX XXXX ( XXXX XXXX  ) has been reporting inaccurate account type and monthly payment information, which is a clear violation of the FCRA. Similarly, XXXX XXXX XXXX  has been reporting inaccurate account type and monthly payment information. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX have all been inconsistent in their reporting of account type and monthly payment information across different credit bureaus, which is a violation of FACTACT. 

These inaccuracies have had a significant impact on my life. For example, I have been trying to secure a mortgage to purchase a home, but due to these inaccuracies, I have been denied the loan. Additionally, I have been unable to obtain credit for other important expenses, such as a car loan or a student loan, which has further hindered my ability to improve my financial situation. 

Therefore, I request that you assist me in enforcing my legal rights under the FCRA and FACTACT. Specifically, I request that the listed creditors remove these unverified collection accounts from my credit report. I believe this will help me improve my credit score, which will, in turn, enable me to obtain the credit and financing that I need to live a better life. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

I took out a HELOC from BB & T Bank on XX/XX/XXXX and was paid off on XX/XX/XXXX. My settlement attorney returned the original recorded Deed of Trust. Maryland Land Record still shows this loan is outstanding. MD Land records office asked me to contact BB & T and get a Certificate of Satisfaction so that their lien can be removed. 

Went to BB & T Bank 's XXXX XXXX  Branch in  XXXX, MD twice to obtain a Certificate of Satisfaction, first time they issued a Letter indicating that loan has been paid off. Took it to MD Land Records office, they did not accept it as this was not a Certificate of Satisfation. Went again to the branch, spent over an hour with little success. They failed to give the Certificate of Satisfaction. 

Need your help in getting appropriate paperwork to file with the State. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked.

I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : 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 required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TransUnion Consumer Solutions has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

Hi, The collection company McCarthy , Burgess & Wolff is going after former employees for debt, occurred by their former employer. 

The employer, XXXX XXXX , XXXX has ceased transacting business on XX/XX/2019 - see State of Delaware Short Form Certificate of Dissolution. 

According to a former law firm of the employer ( XXXX XXXX ), there is still an outstanding balance of {$13000.00} against XXXX XXXX. Although this outstanding debt is not confirmed by XXXX XXXX, XXXX XXXX has informed the law firm that the company has ceased operations, and there are no assets to distribute. - see letter to XXXX XXXX with USPS tracking and receipt confirmation. 

Now, the collection agency is sending letters for wrongful collection of debt to an employee of XXXX XXXX  to his home address (! ), threatening to solve the matter " not amicably '', if no payment is received.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX- Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX  XXXX Account Name XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account ending in XXXX does not belong to me. It is currently reporting as a charged off account. My correct account with XXXX XXXX  is in good standing. I do not know where the charged off account originated from. I demand the erroneous account information be deleted immediately. 

Thank you for your assistance with this matter.