23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The company alleges that a deferred payment arrangement initiated by me the debtor has resulted in a Deferred Balance of {$580.00} ; in addition to the remaining Principal and Interest on this account. According to the original agreement, the terms of the loan were as follows : Finance charge : {$26000.00} ; Amt. Financed {$15000.00} ; Total of Payments {$41000.00} ; Number of Payments 240 ; Amount of Payments {$170.00}.
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The company alleges that I verbally requested this deferral on three different occasions ; once in  XXXX , once in  XXXX  and once again in  XXXX .
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These payments commenced on  XX/XX/XXXX  and were sent to the debt collector via wire transfer by   XXXX   XXXX   XXXX   XXXX   XXXX    located in  XXXX , New York. Accordingly, no payments were ever missed ; nor were there ever any requests made by me for a deferred payment arrangement either verbally or otherwise.
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I have asked the company on several occasions to provide me with any documentation or any proof they obtained from me that would confirm that I asked for any type of deferred payment arrangement. I was told today (  XX/XX/XXXX  ) that all that was required to obtain such a deferment was a verbal request by me.
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I am denying that I requested any such arrangement. I also am requesting that Ditech adjust their billing to reflect the appropriate balance to coincide with the agreed upon payoff date of  XX/XX/XXXX .
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Any assistance you can provide would be greatly appreciated.
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Thank you in advance,   XXXX   XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX XXXX XXXXXXXX XXXX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX XXXX XXXX XXXXXXXX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX XXXX  XXXX XXXX/XXXX XXXX XXXX    XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 
Creditor Information XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Balance {$1400.00} Highest Balance {$1400.00} Opened XXXX XXXX, XXXX ( XXXX yr, XXXX mos ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Medical Original Creditor Name XXXX XXXX XXXX XXXX Closed No Info
Product: Money transfer, virtual currency, or money service

I am filing this complaint against PayPal , Inc. due to its deliberate bad-faith practices in handling consumer accounts, disputes, and legal accountability. Specifically, PayPal has : Engaged in deceptive practices by freezing consumer funds without cause, providing contradictory explanations, and failing to offer meaningful dispute resolution. 
Actively obstructed consumer recourse by refusing to respond to a legally filed lawsuit ( XXXX XXXX. XXXX in New York Supreme Court ) , despite multiple court filings and direct communications to its legal and executive teams. Allowed its legal counsel to engage in misleading statements to the court, leading to pending sanctions for bad-faith litigation tactics.

PayPals pattern of stonewalling consumers and ignoring formal legal processes represents a serious consumer finance violation that goes beyond this case alone. 

I am requesting that the Consumer Financial Protection Bureau investigate PayPals pattern of misconduct, specifically : Why PayPal refuses to engage in consumer dispute resolution, even at the court level. 
Whether PayPals use of automated enforcement tools constitutes unfair or deceptive practices under CFPB regulations. 
How PayPals legal strategy of ignoring formal litigation impacts consumer rights.

Attached are court filings documenting PayPals non-response, the pending default judgment, and the sanctions motion against its legal counsel.

I request a formal review of this matter, as PayPals behavior reflects a broader systemic issue affecting countless consumers who have no meaningful path to resolve disputes against the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, XXXX, TransUnion LLC multiple times, my Initial date of first contact XXXX XXXX follow up letter dated XX/XX/. I asked them to investigate & remove the inaccurate accounts from my consumer report that they are illegally reporting. 

Account:XXXX XXXX, Account : XXXX XXXX XXXX, Account : XXXX XXXX XXXX XXXX This is a clear VIOLATION of my consumer rights under 15 U.S Code 1681b -Permissible purpose of consumer report ( 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 WRITTEN INSTRUCTION of the consumer, to whom it relates. 

I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer.

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

15 U.S. Code 1666b A. Creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any reason. 

Account : XXXX XXXX, Account : XXXX XXXX XXXX. Both these accounts are a VIOLATION of my consumer rights According to the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681a ( 2 ) a ( 1 ), except as provided in paragraph ( 3 ), the term " consumer report '' does not include reports containing information solely as to TRANSACTIONS.

Therefore, I request that my TRANSACTION between Myself and XXXX XXXXe XXXX, XXXX XXXX, be updated to what is fair and equitable to me as a consumer. I request Accounts be updated to, PAANL ( Paid As Agreed Never Late to my consumer report. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding that the Accounts LISTED be BLOCKED and DELETED IMMEDIATELY! On XX/XX/ I Have Filed a FTC COMPLAINT REPORT XXXX. 15 U.S. Code 1681c-2 A consumer reporting agency shall block reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt by such agency of. ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Paid this account off on XX/XX/2022 the amount was XXXX my credit score was XXXX on XX/XX/2022 once my account was updated on XX/XX/2022 My score decreased to XXXX I reach out to XXXX  XXXX and they stated I never missed a payment and they don't know why they did that I have included My Experian account the first one as of today my score went down from XXXX minus XXXX points on my account you can see from XX/XX/2022 it was XXXX ) on XX/XX/646 and in XX/XX/647 THE RECORDING IS INCORRECT IF YOU MINUS XXXX FROM XXXX EXHIBIT 1-2 PAGES YOU WILL SEE ITS WRONG SCORING SYSTEM 8 THEY DECREASED MY CREDIT REPORT FOR NO REASON
Product: Credit reporting or other personal consumer reports

After receiving my results from Experian 's previous investigation, I noticed that they're still reporting unauthorized, inaccurate and unverifiable information to my consumer report. I asked both Experian and the creditors listed in my dispute letter to send me all signed contracts, agreements, receipts and the date of first delinquency in which they failed to provide. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ), I asked Experian to investigate the accounts and information listed but they don't have any documents that " verify '' this information but yet they continue to report it. If this account is verifiable why haven't I received the documents asked in my dispute letter? How can there be an alleged debt without any proper agreement or contracts? Included in my complaint is a copy of my previous dispute letter and the dispute letter that I'm currently sending out. iolations committed by Experian and the creditor reporting this account : 15 U.S. Code 1692g - Validation of debts, 15 U.S. Code 1692c - Communication in connection with debt collection, 15 U.S. Code 1692e - False or misleading representations.
Product: Credit reporting or other personal consumer reports

Im trying to contact XXXX, transition and XXXX. To the accuracy of accounts on my report and why they allowed hackers and scammers to get into my accounts. 
Im wanting to dispute and demand they delete these fraudulent accounts off my report and be held accountable for releasing my identity and information to unknown companies and institutions.
Product: Debt collection

On XX/XX/XXXX I saw a debt collection on my credit report regarding a bill from XXXX XXXX XXXX. ( A debt collector from Medical Data Systems is the collector ) I called them and spoke with a person who stated I owed this debt from services at XXXX XXXX XXXX in XXXX. If that's true, I was employed by XXXX XXXX XXXX. as a XXXX  XXXX. 

I was shot at and was tossed around the squad car injuring my head. I never received a bill or heard from XXXX XXXX or a debt collector at all. I was told by the XXXX XXXX XXXX. that any bills involving this claim would be paid for. Never heard from them or anyone else since then. 

Lastly, I would be willing to pay the XXXX dollars and would have paid it had I knew that I owed money on a bill. I didn't know anything about a debt. I want this off my credit report. 


XXXX XXXX XXXX
Product: Mortgage

The Specialized Loan Servicing has been horrible to deal with and they are a collection agent company Now after trouble with them in paying off the mortgage in a short period of time they are now refusing to report to the credit companies that it is paid in full and they are saying they do not report payment history to the credit reporting agencies for the transfer month and two subsequent months. The servicing of this loan transfer to Specialized Loan Servicing LLC. the reporting of credit much later than paid keeps my credit score lower than it should be and in my opinion is not fair or correct at all and I would think it is illegal to do so. I will send copies proving it is paid and their refusal to report. 
It is said when a collection company doesn't abide to the law and treat their customers with so much disrespect and little concern to what is right or wrong they just do what they want and don't even care at all.. In closing I will send the papers they sent me about the mortgage being paid and when they will tell the credit companies it is paid 3 months later than it is paid in full which is wrong. Bow we still don't have conformation ob the deed and tittle who knows when that will be they said 60 days but their word isn't worthy of honor or truth.
Product: Credit reporting or other personal consumer reports

I made phone calls to XXXX, XXXX and Transunion customer representative departments on XX/XX/XXXX. Inquiring as to why my XXXX XXXX credit card payments have not been reported by their credit bureaus yet. I called XXXX XXXX and they said they had reported it to the credit bureaus. I acquired my XXXX XXXX XXXX card on XX/XX/XXXX. But each one of the XXXX, XXXX and Transunion customer representatives said they didn't even show an credit card account open under my name or any credit card payment activities. According to the information I am aware of, my on-time credit card payments to XXXX XXXX should have been reported by the three credit bureaus mentioned by now.
Product: Mortgage

In XX/XX/2018 Fay Servicing contacted me about being 6 months behind on my mortgage payments. I spoke to XXXX XXXX at Fay Servicing about this and I told her that was wrong because the payments were being taken out of my bank account automatically every 2 weeks for the past 2 years. she told me that the records on her end showed I was behind 6 months so she needed to see my bank statements that shows the payment was being taking out and she wanted me to fax her the statements. I faxed them to her and when she received them she said it didn't matter that we still showed we were behind and our home was going to be put on the auction block if we didn't give them XXXX XXXX XXXX which ballooned to owing them XXXX XXXX XXXX which I didn't have on hand. In XX/XX/XXXX they also stopped the automatic payments and would not accept any payment unless it was the full amount they stated we owed. I collected my bank my statements from XX/XX/2016 to current which showed that they had been getting there payments every 2 weeks. They were not interested in the information and proof of payment I had. In XX/XX/XXXX we tried making our payments but were unable to do because they had blocked any payments from going through. my house was put on the auction block in XX/XX/2017. mean while I was getting the funds together so we wouldn't lose our home. our home was 12 hrs from being auctioned off when I finally had the funds in hand to save my home. I was given an amount of over {$23000.00} dollars to bring our mortgage current and i was told it included all legal fees.now 3 months into this ordeal I receive a statement for over XXXX XXXX XXXX for legal fees!
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED XXXX AND XXXX AS WELL AS LexisNexis TO DISPUTE THE FRAUDULENT ACCOUNT LISTING ON MY CONSUMER CREDIT REPORTS AND SENT THE SAID ABOVE COMPANIES THE FTC REPORT IDENTIFYING XXXX XXXX XXXX XXXX  ACCOUNT TO LET THEM KNOW I DID NOT AUTHORIZE THIS ACCOUNT TO OPENED SO FAR I HAVE NOT HAD ANY POSITIVE RESULTS. 
IT'S BEEN OVER 30 DAYS.
Product: Debt collection

I just received notice that Credit Management LP ( Collection Agency ) has been added to my report report and it has damage my credit rating. In reviewing the information on all three credit report, I discover that Credit Management LP is allegeing that I owe {$450.00} to XXXX XXXX - XXXX. 

Back On XX/XX/2020. I had submitted a request to CFPD in regards to this matter. CFPB reference no : XXXX. It was determined that the information was unable to be validated and the it would had been removed from my credit report. I checked my Credit report in XXXX and the information was removed. 

Credit Managment LP is trying to collect an account that has already been disputed. 

I really need the help of the CFPB, Credit Management LP is re-polluting the information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. Therefore, I submitted an FTC report to have all accounts deleted, but they failed to do so. I also, NEVER gave them permissible purpose to furnish any of the information included on the FTC report neither. Therefore, this false information should be deleted since they are violating my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft and fraud. I have notified the creditors/agencies several times that the accounts & inquiries are fraudulent & do not belong to me. I have not in any way received goods or services from these companies. I have provided the proper authorities my FTC ID THEFT AFFIDAVIT with a sworn statement regarding the fraudulent accounts and inquiries. The documents have been submitted to all credit bureaus as well. Again, I was not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
Therefore these items must be deleted immediately. 
The FTC report ID number is XXXX XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

on the XXXX of XXXX i bought a ticket from a girl on social media she sold me a XXXX ticket that didnt work i sent her money through zelle and she never sent me my money back like she said she would. She scams people offering XXXX tickets for a lower price and never responds back and blocks you. i contacted my bank because its connected to my zelle and they told me i couldnt do anything about but i decided to search up what i can do to recover my money.
Product: Credit card or prepaid card

I noticed Suspicious transactions on my Wells Fargo Credit Card account. These Transactions were for XXXX, Hotels, and a Smoke shop, all based in California. The sum of fraud was {$2200.00}. I disputed these with Wells Fargo. ( Detailed documentation of transactions will be attached to this claim ). 

One can see in the Transactions that they were in XXXX XXXX, XXXX, and XXXX California while I was in New York. Clearly, one can not be in both places at once. 

I called Wells Fargo to dispute these charges. I listed them each. A few days later I got a letter from Wells Fargo saying that no fraud occurred. Their reasoning was that " Since your card was in your possession at the time of the transaction, we have concluded that the charge was authorized. '' ( I am attaching the resolution letter they sent ). 

This seems to me like terrible reasoning. There are well documented instances and methods of Fraud that can occur while the owner is still in possession of the card. 

I called Wells Fargo on XX/XX/2021 to ask them how they could have reached this decision. They did not inform me. They did not provide documentation. They only said that they would take a second look. I have low confidence that they will resolve this fairly.
Product: Student loan

My loan payments have not been applied according to my instructions to apply any excess payments towards a principal, rather than future payments. 

On XX/XX/XXXX, I received my monthly bill totaling {$370.00} for my student loan payment due XX/XX/XXXX. 
On XX/XX/XXXX, I provided FedLoan Servicing directions on how to apply my payments toward my student loans. I used the CFPB template to provide these instructions On XX/XX/XXXX, I received notice from my loan servicer that these standing instructions were approved. 

On XX/XX/XXXX, I made a payment towards my student loans of {$400.00}. This was {$24.00} in excess of my bill. None of the payment was applied to the principal on my loans. 

On XX/XX/XXXX, I received a bill for {$370.00} due XX/XX/XXXX. Which included the statement " You previously made payments in excess of the amount that was due. Therefore, you currently have a reduced payment due this month. '' This is counter to my instructions that any excess payments be made to the principal, not future payments. 

On XX/XX/XXXX, I contacted my student loan servicer to request that they change how my payment was applied, in accordance with my instructions. 

On XX/XX/XXXX, I received a response from my loan servicer which read " Your Standing Instructions for all future payments have been approved, however, there were no additional funds from your payment of {$400.00}, submitted on XX/XX/2017, to be used towards any of the principal balances as it was applied to the outstanding interest on the account. When we receive a payment, we apply it to any outstanding interest and the remainder is applied toward the principal balance. Interest accrues daily based on your principal balance. The lower the principal balance, the less interest that accrues. ''
Product: Credit card

I reported to CapitalOne some unauthorized charges to my credit card originating with XXXX, XXXX XXXX  XXXX, and XXXX  subscription. My complaint with XXXX was about a tablet sale shown on TV which was paid in full but the company-XXXX- kept charging every month. With XXXX XXXX  XXXX I authorized 1 gift payment. Period. But my credit card was charged many times after that. And I notified CapitalOne about double charges to XXXX for the months of XXXX, XXXX, XXXX, XXXX and XXXX of this year XXXX. 
I clearly requested CapitalOne to LOCK this payment method-credit card- so no more charges be made to my account. I destroyed the credit card to make sure. I have been informed by CapitalOne that they have gone ahead and made a payment again to XXXX. without my consent/authorization. 
I am in contact with the people from XXXX to get a refund for the overpayments and apparently they restored 1 payment. No information from CapitalOne to assure me of any measures taken by them to protect my financial standing. 
I believe this whole issue is FRAUD ridden and request a full investigation and repair of my creditworthiness. This whole process is from XXXX to XX/XX/2023 including the XX/XX/2023 charge to XXXX  subscription.
Product: Credit card or prepaid card

Hello, I did not apply for a jcpenny card at anytime. The balance is XXXX but I did not have a JCPenny card. Opened in XXXX. I want it removed from my report! It was opened over 10 years ago and it was not by me. Thank you!
Product: Debt collection

I paid the agreed settlement amount on XXXX XXXX, 2015. I contacted the company and asked for a letter stating the account was paid and closed. The letter I received still states i have a balance with the company and the supervisor ( XXXX XXXX ) I spoke with stated that XXXX sends these letters out this way and I would not receive anything else other than this even though I don not owe a balance.