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

If you look back I have filed numerous complaints about the same issue. They just closed the recent one and always respond they will resolve the issue. Then respond they will respond within 60 days. They are constantly violating the FCRA law. I suppose to have a resolution within 30 days. I have been requesting method of verification since XXXX for XXXX XXXX. They even deleted it off my report and then added it back 6 days later and never sent any method or proof of verification. I have attached the prrof they deleted and added it back.
Product: Debt collection

YOUR COMPLAINT This company has been reporting negatively on my credit report since XXXX. I first recognized it about 2 years ago and disputed. The amount showing is {$270.00}. I have disputed item more than once as well as asked for proof of item, how it was ordered, when it was orderd as well as what the item actually was. Received no response. I currently have an open complaint with CFPB but the company is claiming not to know me. The address attached is my address and my name prior to marriage in XXXX was XXXX. Please send me a contract that I supposedly had with you or remove from my credit report. I keep disputing requesting documentation and your company is failing to do so. This debt does not belong to me and I need proof as to why you say it does.
Product: Debt collection

In XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX While I was at the practice, I paid the {$20.00} copay. I guess the hospital who sent the charge to Harris and Harris sent it over the collections in XXXX XXXXXXXX I have not heard anything about this " debt '' until yesterday, XXXX XXXX XXXX I spoke to 3 different employees of Harris and Harris over the phone and they were all rude to me and weren't requesting payment, but they told me I was in collections for {$19.00}. The next person told me it was for {$20.00}. The next person told me it was for {$19.00} and " some change ''. I was told to send over my proof of payment from XX/XX/XXXX to their email, which I promptly did. I have not received any letters, written correspondence, emails, or texts about this debt from Harris and Harris. 

I reached out to the hospital who sent me to collections and they told me they couldn't access the information, as my account was handed over to H & H in XXXX XXXX 

I'm confused as to why this payment reached collections when I have a verified receipt of payment and this matter took 2 years to be brought to my attention. I just want to know that I indeed did pay for the debt they're seeking and I want it off my credit report. {$20.00} is such a low amount to be sent to collections for in general, so I'm confused. Please let me know if you can help me, because the hospital and H & H do not seem willing to help whatsoever and I paid this bill years ago.
Product: Mortgage

Nationstar Mortgage, LLC D/B/A Mr. Cooper sold my home while I was still in the home XXXX XXXX XXXX, XXXX XXXX TN XXXX XXXX Loan # XXXX, XX/XX/XXXX. I received a eviction notice XXXX XXXX and I filed an appeal in XXXX XXXX Court, XX/XX/XXXX. I was illegally convicted and sent to prison XX/XX/XXXX, and got out on probation XX/XX/XXXX. I would be homeless if it was not for the VA. We had a second mortgage with the XXXX XXXX XXXX that was tied to our business XXXX  XXXX XXXX XXXX XXXX We bought a XXXX XXXX XXXX with the money from the second mortgage and the XXXX XXXX has the title , I think, I have not been able to find which dept. has it at this point, but I am in possession of the truck. Mr. Cooper has not got in touch with me nor has they paid me any money or sent any document to me to sign, I have been in the home from XXXX XXXX to XX/XX/XXXX. They has also left an homeowner 's bill with my insurance coXXXX XXXX XXXX I am filing a civil complaint with the circuit court XXXX XXXX Tennessee. Could your dept please investigate this illegal action for me. Thanks
Product: Money transfer, virtual currency, or money service

I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account, which is registered under the email address XXXX. I believe this limitation has occurred due to a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

I have been a loyal PayPal user for a significant period, and I have always adhered to PayPal 's terms and conditions. It is crucial to me to maintain a positive and trustworthy relationship with PayPal, and I am committed to resolving any issues or concerns that may have led to this unfortunate situation. 

I kindly request that PayPal re-investigates my case thoroughly and reviews the circumstances surrounding the permanent limitation of my account. I believe that a mistake has occurred, and I am eager to provide any necessary documentation or information to support my appeal. Restoring my PayPal account would not only alleviate my financial inconvenience but also allow me to continue using PayPal for safe and secure transactions, as I have done in the past. 

I appreciate your attention to this matter and kindly request that you initiate the review process as soon as possible. Please let me know if there are any specific steps or information required from my end to facilitate this process. 

Thank you for your time and consideration. I look forward to a swift resolution of this issue and the opportunity to continue using PayPal 's services.
Product: Credit reporting or other personal consumer reports

Unable to dispute account online and/or via phone. 

I have not received a response from the original creditor listed to validate the account. 

I have requested to have the item deleted from my credit report if it can not be validated. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$1200.00}
Product: Credit card or prepaid card

i have a credit limit of {$1000.00}. I made the minimum payments for a few months after spending 90 %. i communicated with them after my bank account declined the minimum payment so i received payment. A little over a month later i stated in a phone call i will pay off the entire balance instead of just minimum. With my lack of financial literacy i made the entire payment a night before the month ends.It wasn't for a few days, the missed payment on my credit report and also wasn't get credited until 10 days after. I believe in good faith so the action of trying to pay off the entire amount and not just the minimum should be given grace for a missed payment that vastly affects my score
Product: Checking or savings account

Wells Fargo got mad at me for reaching out to you guys.. Denied my recent dispute and closed my account without doing proper investigation.. this is the XXXX time I dealt with fraud on this account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX  accounts 1. XXXX XXXX XXXX # XXXX XXXX 2. XXXX XXXX  # XXXX  XXXX 3. 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 permission.

I also have a derogatory mark that was caused account number 2. Listed above.

I also have disputed removing my hard inquiries from my account and they have not done that for me either.
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 Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Attention : On XX/XX/XXXX, I received correspondence from XXXX XXXX XXXX XXXX/ XXXX XXXX regarding a debt collection. The creditor referenced is XXXX XXXX XXXX XXXX ( {$520.00} ). On XX/XX/XXXX, a correspondence was submitted inform of certified letter with Tracking # XXXX regarding validation/verification of debt. ( Please refer to upload ) I have submitted additional correspondence regarding validation on account which yielded any information regarding above referenced company being legally able to collect on debt. ( View Attachments ) On XX/XX/XXXX, correspondence received from collector. ( View Attached ) On XX/XX/XXXX, a correspondence was submitted certified with Tracking # XXXX. On XX/XX/XXXX, XXXX XXXX XXXX attempting to sell collections to XXXX XXXX XXXX   while still reporting on all ( 3 ) credit reports. A debt validation letter was submitted to XXXX XXXX XXXX with no response back regarding validation/verification. ( Tracking # XXXX  ) On XX/XX/XXXX, XXXX XXXX has XXXX XXXX XXXX XXXX, XXXX  attempt to collect on a debt which they are appearing on my credit report. On XX/XX/XXXX, a certified correspondence was sent to XXXX XXXX XXXX XXXX XXXX ( Tracking # XXXX ) The above referenced collector failed to provided valid claims to collect on debt by providing documentation. XXXX XXXX continue to sell debt while reporting on credit profile. I have sent numerous letters to credit agencies and collectors regarding this matter and the negative entry remains on profile.
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. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX As 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 CREDIT BUREAU 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 XXXX XXXX XXXX 
XXXX Inquiries : XXXX XX/XX/year>
Product: Debt collection

I joined XXXX XXXX ( XXXX, Georgia ) XX/XX/2020. I paid them for the 1st month. XXXX XXXX the state of Georgia Gov. XXXX XXXX closed down all businesses in Georgia including fitness center. During this time XXXX XXXX was closed. They only way you could cancel your membership was to come to the gym in person. At that time I called and pleaded with them to allow me to cancel my membership. They said I had to come to the gym. I couldnt leave the house for XXXX  months. I explained that I was sick with XXXX and lived alone and didnt have anyone to bring them the cancellation notice. I tried to work with these people I talk to the manger and they were nasty. I only owed them for XXXX dollars when they turn it over to Frist Credit service collection it is XXXX. I need your help removing this from my credit report and changing XXXX XXXX cancellation policy. This was during a time when the entire country was closed. I havent gone back to any gym. I retired since this happened and it is badly impacting my quality of life. I have never had a low credit score. I need this removed from my credit report. Thanks
Product: Payday loan, title loan, or personal loan

On XX/XX/2019, XXXX XXXX, a " payments specialist '' from Cash For Whatever, called me at my work at XXXX CST, to threaten me first by telling me that my account was going to go to their legal department and they were going to take me to court unless I paid an amount of {$300.00} to get them off of my back. I told her to call my cell phone instead and leave a message and she stated " No i'll send you a blank email and if YOU'RE serious about this you'll call me back as i am here until XXXX '' and hung up the call. I then emailed her through the email that she provided and told her about my situation and she didn't respond and hasn't responded yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I  have sent a Mutilpe Inquiry l etter on  XXXX    XXXX  ,2017 and less then a week later I get a letter stating that the inquiries on my credit report are factual and will remain on my report. If they sent me a letter  XXXX  days l ater that meant they did not investigate whether or not th e inquiries are mines and just sent their generic letter. Experian did not investigate fully and I have asked multiple times through mail, online Disputing and calling and they will not remove the inquiries.
Product: Prepaid card

On XX/XX/23 there was a sale at XXXX and XXXX so I tried to make some purchases with an Amex digital gift card. I had previously tried to use this card numerous times at various different online retailers but the transaction would be declined. On XX/XX/23, the purchases that I attempted to make included approximately a {$400.00} charge from XXXX and several separate attempts on XXXX for various items from approximately {$5.00} to {$50.00}. My Amex gift card now shows that both XXXX and XXXX were able to initiate {$0.00} XXXX from both, despite the attempted orders being rejected. I spent several hours on the phone and online chatting with customer service representatives from XXXX and XXXX who explained that Amex is blocking the transaction from going through, and that I would need to speak with Amex customer support. I called the number provided by the Amex gift card and it was a completely automated system that would only give you a recorded message and then the option to go back to the main menu or it would hang up. I called Amex credit card customer support and they gave me this number to call, XXXX. After calling that and going through an automated system and then waiting another half and hour on hold, a customer rep told me that Amex does not allow transactions with certain retailers to go through for security purposes, and that XXXX and XXXX transactions would not work with this gift card. I asked for a list of companies that would work with the card, or even a list of companies that would be rejected, and the rep said they do not have a list of either and that I " just need to keep trying the card and see if it works. '' After attempting to use my card at several retailers over the past year, including XXXX, XXXX, XXXX, XXXX, XXXX and others, and spending numerous hours on customer support, including at least XXXX hours on this issue on XX/XX/23, I am not able to use the funds associated with my Amex digital gift card despite a sincere effort to find somewhere that would be able to successfully process this form of payment.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Inaccurate Disclosure under Truth in Lending Act ( TILA ) Account Name : XXXX XXXX  Account Number : XXXX I am writing to formally dispute inaccurate and incomplete information reported on my credit file under the Truth in Lending Act ( TILA ). The account referenced above has several discrepancies and missing disclosures that violate TILA requirements. 

Specific Issues Identified : 1. Inaccurate Reporting of Terms : The credit card terms, such as the APR and payment terms, are not reported, which violates the TILA requirement for clear disclosure.

2. Discrepancy in High Balance vs. Credit Limit : The reported high balance of {$9600.00} exceeds the stated credit limit of {$9500.00}, which is unclear and possibly incorrect. 

3. Inconsistent Status Dates : The status date is listed as XX/XX/XXXX, while the account continues to show charge-offs through XX/XX/XXXX. This inconsistency needs to be corrected to reflect the most recent status accurately. 

4. Omitted Payment Information : The monthly payment history lacks reported payment amounts and dates, particularly between XX/XX/XXXX and XX/XX/XXXX, violating the transparency requirement under TILA.

These issues are in direct violation of the FCRA, specifically : Section 1681e ( b ) : " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' And Section 1681i ( a ) : " If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer... the agency shall ... conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate... '' Enclosed with this dispute a copy of the section of my credit report highlighting the disputed items as a document to support my dispute.
Product: Debt collection

I discovered a debt on my credit report for a service I never had. At first I was given misinformation from them and my peers. They had also told me repeatedly that I am liable if I " get services for anyone '' when I told them I wasn't even at that address and someone used a service under my name ( liable for identity fraud ) which can be corroborated via call recordings. My peers had told me I can pay or settle and unaware of my rights I just let it be. Upon discovering my rights through reading the FDCPA I contacted the company to ask for validation. They claimed statutory validation under 15 USC 1692g ( a ) ( 3 ). The statute however, states " within thirty days after receipt '' and without the successful delivery of said letter did not apply. I attempted through several letters to correct the issue but their only response was template letter. After several attempts and through my previous complaint through this agency, I finally received proof from them that a letter was mailed through their vendor " XXXX '' via USPS. I attempted to verify this by tracking down the whereabouts of the letter but USPS employees notified me as there's no tracking information they are unable to do any investigation into the letter. I need this company to comply with federal statutes and provide validation of the debt through copies if the original contract bearing my signature. If I an legally liable for said debt why are they stonewalling me and attempting to pawn off the burden of on anyone but themselves? The laws and regulations of the FDCPA exist for a reason so please let 's enforce it.
Product: Mortgage

I am looking to pay off this mortgage. I requested a 15-day payoff starting on XX/XX/2020. When requesting by phone Arc Home Loans states that payoff can not be made until a written payoff is received. I went through their " process '' to receive written payoff. The phone states that it will be processed within 24 hours. After 48 hours I made a new request for the payoff. Fast forward to Monday, XX/XX/2020. Still no payoff letter. I contacted the company and spoke with a representative. She stated that they had sent the payoff earlier that day via fax. I informed her it had not been received. Now their first attempt is 6 days after the first request, not within 24 hours as they stated. I informed her that I had not received the payoff quote by fax. She said she would resend via fax and confirmed my email address and said she would send it via email as well. Now we are on XX/XX/2020. The payoff date I requested was XX/XX/2020, to give time for payment processing. I feel that at this point I will now be paying more interest due to processing time. I need a payoff quote so I can pay off this mortgage. The company seems to be refusing to cooperate. This is not very surprising because they are not a co-operative company, have not been since day one.
Product: Debt collection

I have disputed these two accounts with this collection agency and they remain on my reports. They have not provided proper verification or response within allotted time LVNV Funding, LLC Account Details Original Creditor : XXXX XXXX Account # : XXXX Balance : {$1100.00} Open Date : XX/XX/2019 LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXXXXXX. 
XX/XX/2019 {$900.00} {$900.00} XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX
Product: Mortgage

XXXX XXXX XXXX makes fraudulent claims to keep the interest of mortgagees. They make commitments they can't commit to and promises they can't keep. For the past three weeks I have been working with XXXX XXXX for REFI and Cash-Out only to be told they made assumptions, and obviously were not working with facts or someone qualified. Their lack of follow through has potentially cost me thousands. This practice of deception should not be allowed.
Product: Credit reporting or other personal consumer reports

First, I categorically reject the closing of my previous complain. Their answer ignored several issues, forcing me to address each one via a new complaint. They do not respond to internal queries, only CFPB complaints. Here is the summary of what has happened : Mr. Cooper failed to manage my account from XX/XX/XXXX to XX/XX/XXXX. They messed up the vestment of my loan and did not catch it until XXXX XX/XX/XXXX. They then failed to call me and badgered me to pay $ XXXX and neglecting to investigate why my account was so messed up until a week of me calling, arguing and panicking. 

On to my next complaint. 
My account is being reported as delinquent, dropping my credit score by XXXX points. They have admitted they created this error and have still insisted on ignoring my messages and reporting me as delinquent, putting my clearance in jeopardy. Without my clearance I dont have a job. IAW 12 CFR part 1024 regulation X should not be continuing to report a delinquency as a result of their negligence. 

I have offered to move on amicably and close all complaints if they simply admit fault and waive these fees. Since they have ignored me on their internal customer service system and respectfully reject waiving the fees, this is my first of several complaints.