23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To whom it may concern, I am not connected to this debt with Conserve. I have attempted sending several disputes asking for Request for VALIDATION, NOT Verification mutiple times through certfied mail on the following dates : XX/XX/XXXX, XX/XX/XXXX, and recently again on XX/XX/XXXX. I sent these disputes to all three credit bureas and Conserve collection agency. Conserve will not reply to my letter directly but when calling the credit Bureas I am told that Conserve responded to their own inquiry saying this date is mine by using my CURRENT Address and name. 

My address and name should not be the only proof that shoud be used to connected to a debt. After disputing for the last three months I never got a response from them which is against the fair credit reporting act. My dispute said the following : " If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX  and XXXX  } request shall be sent to me immediately. " I again recieved no response unless I call the credit bureaus asking why isnt this file in dispute and why is it still on my report if they are not responding to my letters.
Product: Debt collection

I never lived in XXXX XXXX or whatever the company name is. The collection company have no information of me aside my current mailing address, which I provided. 
They never verified the account is mine, nor have my Social security and the account is not mine. They said they need my info to file for the credit bureau but they can't verify it's mine or confirm it. Please tell them to remove it from my report and stop collecting money from me.
Product: Money transfer, virtual currency, or money service

Someone hacked my PayPal account. They loaded four different credit cards for {$990.00}. PayPal said they would reimburse me. Now they are saying they wont
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
( Account name : XXXX XXXX XXXX XXXX ) ( Account name : 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 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

XXXX XXXX has an account listed on my credit profile which I have any information of regards when I contacted the original listed creditor which is XXXX XXXX they refused to provide me validation and intern they stated that I needed to contact XXXX XXXX to get validation so I dispute it and ask for validation with the credit bureaus I received nothing in return but they keep responding to the credit bureau as the account is validated I have received no type of communication from this company
Product: Credit reporting or other personal consumer reports

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Delete this account.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am a co-borrower / co-buyer of a single family home which I owned with my mother for over 20 years, I was recently discharged from a XXXX wage earner plan in XXXX. Our mortgage is currently held by Select Portfolio Servicing Inc., My mother passed away on XX/XX/XXXX and was buried on XX/XX/XXXX of XXXX in North Carolina. I initially notified the mortgage company by phone about 6 months after her passing to let them know my Mom was deceased. The mortgage statements continued to come with my mothers name still included until the end of the year. In XXXX of XXXX I received the year end interest statement with me and my mothers name still together on the statement, It was at this point I also noticed the mortgage and history of payments was not being reported to my credit bureaus. In XXXX of XXXX I decided to send formal notification in writing by certified mail outlining the discrepancies and that they be corrected with reply confirmation returned. To date the status remains the same and no resolution, I provided a written notice of my mothers passing along with the death certificate. Also written notice of the mortgage and payment history not being reported to include accuracy and the entire payment history to my credit bureaus. The mortgage statements still arrive with my mothers name included to this day ... .....
Product: Checking or savings account

On Sunday XX/XX/2022 at XXXX I went to deposit a large amount of cash to an ATM at the following address : XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. 

ATM XXXX XXXX : XXXX Time of transaction : XXXX XXXX  Total amount of deposit : {$980.00} cash ( XXXX {$100.00} 's, XXXX {$20.00} 's ) I subsequently filed a claim over the phone with a representative, who told me I would receive " a temporary credit while they investigage by tomorrow morning ''. However, Monday morning rolled around, and I haven't received any money from the transaction. 

I have spoken to numerous representatives all of which have been giving me the runaround, and I have lost confidence that I will see the money from Bank of America due to this error at the outdoor ATM outside of business hours on this Sunday at XX/XX/XXXX. 

I have included photograph evidence of the issue, and would appreciate anything you can do to help follow up and see to it I get access to the cash I deposited into this ATM. I appreciate anything you can do to help as this is causing an unreasonable level of financial hardship being out of these funds, as I needed this cash for bills and day to day funds to pay for things like food and supplies for daily life as well as keeping my car maintained so that I can get to work. 

Bank account number ending XXXX Debit card ending XXXX
Product: Prepaid card

I received three American Express gift cards in XX/XX/2023. I initially had trouble using all three of them. I would get an error message for online transactions or a " card declined '' message at stores. I spoke to customer service and received zero help. I was told to try again or try a different merchant. I was eventually able to make purchases with two of the cards, but at a certain point they all stopped working anywhere. The cards say " active '' on the American Express website. I have to tried to use them at grocery stores, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX, XXXX and more and they are all declined every time. Both online and in stores. I have had the same experience with other American Express gift cards in recent years. I feel like they make the cards impossible to use in hopes that the customer will give up and they will keep the money. I have unused balances of {$25.00} ( this card never worked ), {$8.00} ( out of {$300.00} ) and {$89.00} ( out of {$100.00} ). They are all non-functional.
Product: Debt collection

Well its been actually a few years this problem has been going on. I have sent all credit agencies XXXX, XXXX, And XXXX  a police report about this loan being fraudulent. They still have't taking it off.
Product: Credit card or prepaid card

My problem is with Chase. I had their credit card for several years, and I always ( or almost always ) paid it in fulI, as I do with all my credit cards. In fall XXXX, there were a bunch of fraudulent charges in a two-week period. I told Chase from the beginning that all the charges were fraudulent, and yet they simply said that because the chip was present for 87 of the  charges, then those charges adding up to {$2100.00} were not fraudulent. 
I explained to the investigator, I explained to the supervisor, I explained two or three more times in phone calls to the fraud department and the corporate office that the chip was not present or if it was, the criminals are more clever than Chase and they cloned the card. Or the shopkeepers ( in the XXXX XXXX district of XXXX XXXX, where the first fraudulent charges began ) are in on the scheme - maybe they quickly copied the card and gave me back one that did not have a chip, which I didn't notice ( and then chopped up when the fraudulent charges were flagged )? 
I explained to Chase several times that in all my years of being a credit card user I have never used it like a debit card for little piddly charges : I use it for large charges only. Not to mention that I work during the day, Im not out gallivanting around XXXX XXXX going to restaurants and taking taxis and making {$10.00} and {$5.00} and {$20.00} charges. And yet the investigators simply said the case was closed : they seem to think that just so I could cheat Chase out of {$2100.00} I abandoned my job for two weeks and zoomed around XXXX XXXX ( neighborhoods of XXXX XXXX I never go to, mind you ) spending {$5.00} at a liquor store, {$3.00} at XXXX, {$20.00} at a restaurant for lunch, and {$25.00} at dinner a couple dozen times. 
I gave Chase many suggestions of how they could investigate the charges if they didnt believe me : there were a couple of large charges, like to XXXX XXXX  : they could have asked for the video in the store and see who was using the card ; they could get videos from the taxis. They could have checked with my work colleagues to confirm I was at work ( XXXX  in a XXXX XXXX  ) when the charges were made. Nope, all I was told was case closed. 
So all of that was bad enough, but what's worse is that they then reported me to the credit bureau, and so XXXX XXXX XXXX   ( where I'd had a card for decades ), abruptly reduced my credit limit from $ XXXX to {$3000.00}. And when I told XXXX  XXXX XXXX what they could do with their card given how they treated me, and I then applied to XXXX XXXX for a new card, they, too, gave me a card with only a {$3000.00} limit. 
So the basic problem is that I was maltreated by Chase which just kept saying the chip was present ( and therefore some subset ( {$2100.00} worth ) of the fraudulent charges weren't fraudulent ), and then this was compounded by Chase reporting me to the credit bureau so that now I have a XXXX credit score which is affecting my other financial dealings. 
Thank you in advance for your help. And please say hi to XXXX XXXX, who works at the CFPB - we've been friends since XXXX! ( We went to law school together. ) XXXX XXXX
Product: Debt collection

For the last number of months, I have been receiving phone calls from a company known as Portfolio Recovery. 

They do not leave messages, they just keep pestering my XXXX. 

At about XXXX, today, XXXX XXXX, 2017, I called back to the number they called me on earlier this morning, and told the lady who answered the phone that I do not want her company to call me anymore. I do not owe anybody any money. 

My phone number is XXXX. 

The various phone numbers they have called me from just in the last month are : A. XXXX B. XXXX C. XXXX D. XXXX E. XXXX F. XXXX I think that this " SCAM '' company should be exposed, and the people who manage the company should be indicted. All the money you can get from them should be evenly dispersed to the people they have needlessly pestered, which is probably 100 % of the people they are contacting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I was approved for auto financing through XXXX XXXX Bank. On XXXX XXXX, XXXX, a contract was signed between myself and XXXX XXXX in XXXX Texas and XXXX XXXX Bank was the financing company. 

On or about XXXX XXXX, XXXX, I was informed by XXXX XXXX Bank that XXXX XXXX of XXXX XXXX retracted the contract. When asked why, XXXX stated that my social security number was invalid and he therefore could not sell me the vehicle. 

However, after I requested that he put it in writing, several inquiries appeared on my credit report for auto financing. 
I never agreed nor authorized XXXX XXXX to apply for any credit. I was already approved through XXXX XXXX Bank and the contract was signed on XXXX XXXX, XXXX. 
A complaint was also filed on XXXX XXXX, XXXX with the XXXX of XXXX XXXX commissioner. 

Please review attached
Product: Checking or savings account

On XX/XX/2023 Frost Bank received direct deposit from XXXX holders for my employer XXXX payroll handled by XXXX. 
I have called and went to the office in XXXX, with no assistance in receiving my paycheck direct deposit of {$410.00}. I had the same problem with my part time job XXXX. It took me three months before. I received my first paycheck. I have notified my employer and they have put a trace on the deposit. Frost states they honor all transactions, but they don't.
Product: Debt collection

To whom it may concern, In approximately XXXX, my wages were being garnished for a student loan debt by debt collectors of XXXX XXXX XXXX. XXXX of XXXX I contacted XXXX XXXX and spoke to XXXX ( XXXX ) to inquire about this debt. I was notified that they had a 2nd garnishment for a Walmart credit card that they were then collecting on. I was not notified of this at all. So XX/XX/XXXX I received payments from XXXX XXXX in approximately over {$800.00} for overpayment. 

In XX/XX/XXXX, I was sent a judgment letter against me rewarding XXXX XXXX   {$4500.00} for this Walmart credit card account. I once again never received court documents until they were supposedly filed against me. I notified XXXX XXXX XXXX that I was seeking legal advice and needed more information on this debt. I always inquired about the statutes on this credit card since it was from XXXX, and the account was closed. In XX/XX/XXXX I received more documents where their was a court date and I was not notified. The supposed judge issued a wage garnishment for this account from XXXX. I sent a written correspondence to XXXX XXXX requesting more information and why wasn't I notified of a court date. I also advised them to submit all info regarding this to my attorney. I heard nothing, but my wages began being garnished on this 20 year old account. 

After contacting Walmart regarding this issue, they had no knowledge of the account being open and were no longer collecting. After carefully looking over my credit report, this account from XXXX is open without my knowledge with an credit limit of {$3500.00} in which I did not authorize this account. Walmart credit bureau could not give me any information or had no knowledge of this account. So I have a 20 year old account where my wages are being garnished and a open credit card account I did not authorize. XXXX XXXX XXXX has failed to submit information from Walmart.
Product: Credit reporting or other personal consumer reports

I worth the company portfolio recovery I had the collection removed already on my XXXX report I used the 15 u.s code 1601 an I also used 15 u.s code 1692 but it is still sitting on 2 of my reports this happens in my
Product: Checking or savings account

On XX/XX/XXXX I made a mobile deposit for {$3000.00}. The check issuer was from my FDIC XXXX account XXXX XXXX XXXX. I received a hold notice stating my funds would not be available the next business day, but would be available on XX/XX/XXXX. Upon logging into my account on XX/XX/XXXX I found Chase Bank, change my deposit date to XX/XX/XXXX and issued another hold without notice, but the mobile app states my funds would not be available until XX/XX/XXXX. I am not a new customer, my account has never been overdrawn, and I have employee deposits from the FDIC go into my regularly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX Balance {$92.00} XXXX XXXX XXXX XXXX Balance {$12000.00} Inquiries not tied up to positive accounts : XXXX XXXX  Inquired on XX/XX/2020 XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX Inquired on XX/XX/2020 XXXX - XXXX XXXX Inquired on XX/XX/2020 XXXX  XXXX XXXX Inquired on XX/XX/2020 XXXX
Product: Debt collection

I noticed several things on my credit report have been documented incorrectly by all the reporting agencies. According to the law, before any information inserted on my consumer report, it should be accurate. Pursuant to 15 USC 1681b ( a ) 2, it states that as a consumer, for anyone to get or use my consumer report, I must provide written permission as it relates to me the consumer. The law also states that the consumer reporting agencies must conduct a proper and thorough investigation. This has not been done. According to the Fair Credit Reporting Act, I have the right to challenge anything and everything that appears to be inaccurate and unclear.
Product: Debt or credit management

To Whom It May Concern, On XX/XX/year>, I signed a contract with Unlimited Credit for credit repair services. According to the contract and the conversations I had with a representative named XXXX, Unlimited Credit agreed to improve my credit by addressing negative accounts on my credit report. The contract also stipulated that I would make payments only after results were delivered. 

Per this agreement, I made an initial payment of {$1000.00}, and I was scheduled to pay {$580.00} each month. At the time, I had 12 negative accounts on my credit report.

After two months of service, 4 negative accounts were removed. However, since XX/XX/year>, there has been no further improvement in my credit report. In fact, two of the previously removed accounts have since reappeared, and one additional negative account has been added to my report. 

Despite this lack of progress, Unlimited Credit has continuously harassed me with calls demanding payment. Every month, after receiving the {$580.00}, they would postpone further action, promising results that never materialized. In XX/XX/year>, my wife and I had an appointment with a representative named XXXX XXXX, where we requested explanations regarding the status of my credit. However, the company deferred the issue, stating that results would come after more payments were made. 

Unfortunately, by XX/XX/year>, not only had I seen no positive changes in my credit, but my negative accounts had actually increased. The company has caused me significant distress and wasted my time over the course of 7 months. The lack of results, combined with their repeated demands for payment, has delayed any resolution to my credit issues. 

I request that the CFPB investigates Unlimited Credit for their failure to deliver promised services, and that I receive a refund of the payments I made, totaling {$1000.00} initially and {$580.00} per month over the past several months. I also seek compensation for the time wasted and the harassment caused by this companys unprofessional behavior. 

I trust the CFPB will help resolve this issue as soon as possible. Thank you for your attention to this matter. 

Sincerely,
Product: Mortgage

I use the Carrington 's website to pay my mortgage and do so monthly for quite some time. The 1st time I used the website, it auto saved my bank acct # and routing # which helped so I never had to fill out that information for subsequent payments. However in XXXX I ran into problems with Carrington which they have been unable to resolve to my liking. The XXXX payment which was due on the 1st, with 15 day grace was made my me, online on the XXXX of XXXX. I received a confirmation #, like all other past payments I made and thought that was that! However, on the XXXX of XXXX I received a letter from Carrington saying they never received payment, so I logged in again, went thru the same process, received another confirmation # and felt again, it would be fine. Boy, was I wrong, it ended up NOT working again and I had to find a payment location and they finally accepted my payment on XX/XX/2018, which made it 30 days late and they reported to the credit bureaus to my disliking! I've never been 30 days late on anything, never a stain on my credit in over 50 years and I am very disappointed in Carrington as it also has messed up my potential re-finance causing the rate to go up on me if I pursue. I need your help in finding a resoluton as Carrington said they did nothing wrong by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian didnt remove XXXX account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with the agency multiple times most recently XX/XX/XXXX  regarding a Bankruptcy that has been reported to ask for it to be removed due to a letter received from the courts they do not report to the agencies. However, they have responded with this information remains but do not supply how they received the information or who provided it. Attached is a letter sent to the courts by me and their response. I am seeking this to be removed immediately as it is fraudulent that they are reporting it.