23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

This complaint is about Paypal not XXXX XXXX, that has been reported as fraud to the XXXX. 

On XX/XX/year> XXXX XXXX bought, via PayPal, a vintage stereo console from my business XXXX XXXX XXXX for {$2700.00}. That included free delivery to his address at XXXX XXXX XXXX, XXXX CA XXXX. The console was delivered by a third party shipper on XX/XX/year> to XXXX XXXX which he confirmed receipt of via text message. On XX/XX/year> XXXX XXXX asked if he could return the console due to the power staying on and he believed it to be faulty. I agreed to this but the return shipment was at his expense. On XX/XX/year> the console was picked up to be returned to me by the same third part shipper XXXX XXXX out of XXXX. On XX/XX/year> while the console was still in transit to me, XXXX XXXX filed a chargeback with his credit card company stating that he had never received the console. I believe this is a fraudulent action by XXXX XXXX. 
I received the console on XX/XX/year>. I then received a request for a refund from XXXX XXXX even though he had already filed a chargeback claim. I believe this to be a 2nd fraudulent action by XXXX XXXX. 
Paypal then froze my account and demanded that I upload {$2500.00} to cover my negative balance which was created by XXXX XXXX 's fraudulent action. 
Paypal have repeatedly ignored my requests to resolve this even after I had uploaded all evidence to the fraud, text messages etc and continue with automated responses of I should upload monies to resolve their negative balance .....
Product: Payday loan, title loan, personal loan, or advance loan

On a date in XXXX ( unknown because my online access was closed ) a XXXX personal loan was taken out on my account with out my permission or knowledge. Wells Fargo is threatening to " end the relationship '' by closing my account and sticking me with the amount. I have been unable to successfully avert the impending tragedy that is scheduled for XX/XX/2024 - the " Ending of the Relationship. '' I was told that there is a LESS THAN XXXX  % chance of having that decision overturned. Oh, and by the way, there is a third complaint that I am filing for a XXXX personal loan also taken out on the account. And don't forget about the XXXX unauthorized transfer from my XXXX  XXXX XXXX ( XXXX XXXX XXXX ) account to my Wells Fargo Account. And while we are at it, {$1200.00} of my checking is missing as well. But that will be in complaint # XXXX. So, all totaled up, I am looking at about XXXX - XXXX that Wells Fargo is going to dump off on me and say " see ya! and good luck with collections. '' I am a wits end, furious and frustrated.
Product: Debt collection

I sent Portfolio Recovery Associates ( which is a debt collection agency ) a dispute letter, I than received a letter from them on XX/XX/XXXX telling me that I have to pay them {$170.00} because they are saying that I have a contract with them in which I do not. They are claiming that I have a contract with them, in which I do not. They are trying to collect a debt from me in the amount of {$170.00}, On XX/XX/XXXX they have reported to the Credit Reporting Agencies, that I have opened a new account with them which is  clearly not mine. Portfolio Recovery Associates has also placed this false info on my credit reports that reports my credit, XXXX, XXXX and XXXX. I am a victim of identity theft and my info was compromised by an unknown person and my info was used without my authority.
Product: Debt collection

Account Number : XXXX XXXX XXXX XXXX Other Collection Agencies XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Balance : {$1100.00} Account Number : XXXXXXXX XXXX XXXX XXXX  Other Collection Agencies XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Balance : {$710.00} Subject : Notice of Dispute of Debt and Demand for Verified Documentation Fair Debt Collection Practice Act ( FDCPA ) Fair Credit Reporting Act ( FCRA ) To Whom it May Concern, I am wiring regarding the unpaid debts on the derogatory accounts listed above, which I dispute and attempt to correct your records. By sending this letter I am disputing both the validity of the alleged debt and the validity of your claims. Please be aware that any information I received from you will be collected as evidence should any further action be necessary. Please also be advised that non- compliance with my demands, could put your company in serious legal trouble. 
According to the FDCPA, I have the right to request validation of the alleged debt or competent evidence that bears my signature and shows I have some contractual obligation to pay your company. 
I hereby DEMAND that your company will provide me under penalty of perjury with the following verified documentary evidence of alleged debt : Agreement with the creditor that authorizes you to collect on this alleged debt ; The agreement bearing my signature stating that I have agreed to assume the debt, 1 Valid copies of the debt agreement stating the amount of the debt and interest charges ; 2 Proof that the Statute of Limitations has not expired ; 3 Complete payment history on this account along with an accounting of all additional charges being assessed ; 4 Proof that you are licensed to collect in my state ; and 5 7.Your license numbers and Registered Agent At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX on several occasions about a bankruptcy and collections on my report from XXXX  XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX ( XXXX ), & XXXX. I have sent them proof that I have reached out to the collection companies and they have yet been able to send any proof that this collection is mine, yet TransUnion still has it on my credit report. They also have not shown me or told me how they have verified the bankruptcy as mine.Also, the other credit bureaus have deleted these as they were unable to verify some of these.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I was applying for a mortgage loan and when checking all 3 credit bureaus, the mortgage company discovered they could not pull an EQUIFAX report. I called EQUIFAX to see what the problem was and to try to fix it. They said they do not have my social security number or date of birth. WHAT? They said send in my DL and Birth Certificate and SOC Sec Card. I did this and waited but nothing ever changed. The mortgage company agreed to just accept my other 2 scores and I got the mortgage. After I got the mortgage, I tried to log into my Equifax account online and it wouild not let me access my credit report, I decided to try again to fix the situation again, so I called EQUIFAX again, and they again said send in DL, Birth Certificate and Soc Sec card..I did, and then nothing was fixed. 
I just decided to let it go ... knowing no one can access my EQUIFAX credit report, not even me!! Until Yesterday ( XX/XX/XXXX ) when I applied for a payment plan on a purchase I was trying to make. They said I was denied because they could not get my credit report from EQUIFAX. SO.. the problem is ongoing and is hurting me financially. No matter what action I take and do whatever EQUIFAX tells me, they will not fix it, and it is only worsened by the fact that when I call them, the people on the phone do not speak sufficient English to really understand. They just tell me memorized lines from a script. 

My credit is good -- @ XXXX with the other bureaus. 

I do not know what to do next! The problem has been going on at least 2 years... Everytime I do exactly what they say and they will never change or update anything to give me access to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I tried to use XXXX XXXX service. And I found there that I have 10 credit inquiries. It considers as hard credit inquiries. But I didn't do it. Maximum - it's 2-3 times for 2 years. So I suspect the identity theft. Can you help me with it, please?

Here the list of companies, were I didn't take and didn't request for credit, but I am in the system, why??

XXXX, XXXX XXXX, XXXX XXXX, XXXX, BARCLAYS BANK DELAWARE
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$460.00} XXXX XXXXXXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$22000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was signed on as an authorized user to my XXXX year old mother who has XXXX/XXXX.as I am her POA ( while XXXX XXXX XXXX did not accept it-only one-wants original documents we don't send ) and daughter-it is not my account or debt, yet they have recorded it as such which is hurting my credit score.  On top of it fraud was made not resolved to the tune of nearly XXXX in charges and another XXXX in fees on the XXXX  XXXX XXXX acocunt which is now being reported and not resolved despite hours w fraud dept. someone stole my moms social and called her and got her to transfer huge amounts of money one to another charge that was over what she owes and another to a bank that is not hers. IT has happened twice on XXXX too, but XXXX is not reporting me as I am not an authorized user. In additional to the fraud, XXXX XXXX XXXX MUST REMOVE THIS REPORT FROM CREDIT BUREAUS IMMEDIATELY AND ALSO CORRECT THE FRAUD.
Product: Checking or savings account

Hello. On XX/XX/2022 during a break at work I called my Bank ( Chime Bancorp Bank ) to dispute a {$30.00} charge. The representative filed the dispute and told me that if I had any documentation of proof that I could send it in but it wasnt mandatory. So I told him after I get off from work I would be able to send in all proof needed. XXXX minutes before I got off from work I received an email stating my Savings, Checking, and Credit Builder accounts had all been closed which was at XXXX XXXX. I was shocked because in total I had close to {$10000.00} in my account. I couldnt even reach out to the company by phone because it kept prompting that my account was closed so I had to reach out by email. I was devastated because I needed access to my funds IMMEDIATELY and had no clue why my account was even closed in the first place. I never done anything wrong, never was overdrawn, never showed suspicion activity. So, I called them from my mothers phone in tears because I have very bad anxiety, I spoke with multiple supervisors and one supervisor actually tried to open the account back because he said that I should have had some type of warning or at least 5 days notice before a closure happened. I had to go to the hospital for this matter because I really needed my funds and I have no answer as to why my account was actually closed. I need my funds for medical reasons and right now I dont have access to any money which is not fair at all to me! I chose their Savings account just for medical reasons. They have not given me any information regarding why my account was closed. I also looked online afterwards and have noticed others have experienced this issue as well and didnt receive their funds back. I have been trusting this company for over 2 years and would have never expected something like this to happen to me. Please someone help me solve this!
Product: Mortgage

I obtained a mortgage ( Loan # XXXX ) under the name of my LLC ( FL XXXX ) on XX/XX/XXXX from Fay Servicing. Upon closing there was a small surplus in the escrow account which was due to my XXXX in the amount of {$170.00}. Fay Servicing disbursed this overage payment and mailed it to an incorrect address on XX/XX/XXXX. 

I was not made aware of this until almost one year later. I contacted Fay Servicing by phone and later by e-mail on XX/XX/XXXX regarding the issue and to please re-issue the check and send to the correct mailing address. I was told this would be processed immediately. In the coming months I made several calls and e-mails where I was repeatedly told it was " in process ''. 

These are monies that are due to my LLC and are being held by Fay Servicing rather than disbursing to the borrower, which is a violation of federal law. I am requesting that the re-issued check be mailed to my correct address ASAP to avoid being in violation of the law. It has been a year and half since the original check was erroneously mailed and has been over five months since my initial inquiry, a lender should at the very minimum follow the laws governing financial institutions. 

I am attaching pertinent information such as escrow activity screenshot, e-mail thread with Fay Servicing, and copy of original stale check.
Product: Student loan

I graduated from college in XXXX 2016. I tried numerous times to get in contact with my loan servicer and had no luck each time. I received no correspondence or contact from my loan servicer Navient. No contact before or after my graduation. I needed to consolidate my Direct Plus loans in order to make the payments something I can afford. However, every time I tried to call Navient the customer service was busy or could not help me at that time. I had no idea when to start repaying my loans or how much I needed to pay because the loan servicer never replied to my questions or got in contact with me. I have been out of school for a year and two months ago I received the first letter from Navient telling me that my loans were in default and I owed {$1700.00} as my monthly payment. I contacted them and they said that they had reached out to contact me and heard no response. That is a lie because I never got any e-mails or mail from Navient regarding my loans. I paid the amount that they requested in order for my account to be up to date, however I am unable to continue to pay that amount each month as it exceeds my monthly income. I am in desperate need of loan consolidation or else I will be on the streets soon as this is insane to be paying more than I make every month because an employee at Navient is unable to take the time to do their job correctly and help me consolidate my loans and put them on a payment plan that I can afford. Instead this company is making a stressful part of my life that much harder and is putting me in an extremely severe situation. Navient is a horrible company and should be shut down.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under XXXX XXXX XXXX CXXXXe XXXX XXXX ( XXXX } Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. CXXXXe XXXX i ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) ln general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( XXXX ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( XXXX  ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX, XXXX XXXX, Acceptance Now, XXXX and all XXXXXXXX XXXX XXXXXXXX accounts
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 my Police Report/FTC identity theft report ( FTC REPORT NUMBER: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. I would like this item immediately re-investigated. XXXXXXXX XXXX XXXXXXXX XXXX.The following inquire was not authorized and should not be reported XXXX XXXXXX/XX/XXXX. The following inquire was not authorized and should not be reported XXXX XXXX following inquire was not authorized and should not be reported. XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX. 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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. 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 ) ( a ) 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: Money transfer, virtual currency, or money service

Someone from XXXX contacted me and XXXX XXXX and he said me he will exchange money and took money from me and scammed me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft since XXXX and I have contacted Equifax several times in order to get remove these fraudulent inquiries I have in my credit report and they have failed to do that. I have the following inquires unauthorize : XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that Equifax have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. This account has been in dispute for 9months, since XX/XX/2021. I've noticed since XXXX of 2021 Equifax have not included in the comment section that this account has been in dispute since XX/XX/2021 but yet it does state Charged off account Auto. The following information therefore needs to be re-investigated and removed from my credit profile for not including that this account has been in dispute in the comment section for past 9 months. 

Account : XXXX XXXX XXXX XXXX XXXX that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit report. 

In this complaint accompanies a copy of my credit report from Equifax reflecting no comments stating this account has been in dispute but yet it does state Charged off account Auto.
Product: Mortgage

Sent application income to my mortgage company. Called to check on my request. 
I was told by customer service my request and documents were not being processed. 
but they did receive my papers XX/XX/XXXX, XXXX XXXX, XXXX XXXX. Spoke with with customer service to give my hardship and financial information. Called XXXX XXXX, XXXX. 
was told by XXXX Loss Mitigation they were not processing my mortgage assistance request. The mortgage company is trying to make me lose my house to foreclosure by not processing my paperwork. I got behind on my mortgage when my wife died of XXXX XXXX XXXX XXXX. I did not receive foreclosure letter form foreclosure attorney for this sale date of XXXX XXXX, XXXX mortgage company told me I had a foreclosure sale date.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

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




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  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 of the person knows or has reasonable cause to believe that the information is inaccurate.