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

On XX/XX/XXXX I attempted to send money to a friend in the total of {$69.00}. PayPal led me to believe this person had an account when searching their email address and name by showing them as a user and publishing her photo. After they removed the money from my account I contacted the friend to ask if they received the funds. She informed me that she no longer has an account, does not have access to an account, and that PayPal was not allowing her to accept or decline the funds. After repeatedly contacting PayPal, they have informed me they will not return the funds and since the other individual cant accept the funds, PayPal will be keeping the funds for themselves. This practice seems not only misleading- they are showing individuals as having accounts and going so far to show their photos - when they in fact do not have a PayPal account, but also highly unethical. Additionally, their customer service and complaint process is difficult to find, hard to communicate with, and vague in their responses. To get full information about what is going on you are expected to complete ALL of the following : online forms, telephone calls, and physical mailing of forms to file a file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries that are associated with the unauthorized and fraudulent activity that was previously disputed are visible on my credit report and needs to be deleted. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Still visible on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a certified letter XX/XX/2022 to the Credit Bureau about inaccurate information regarding a 2 XXXX XXXX charged off account with inaccurate balance they responded stating I was not specific with my dispute. 

XXXX XXXX account # XXXX  XXXX this is a charged off account which has an inaccurate balance amount also with an inaccurate past due amount listed has also inaccurate Date of First Delinquency and also Date of Last Payment please delete this account as it has inaccurate information Tracking # XXXX I also followed up with another letter for my dispute Tracking # XXXX XX/XX/2022
Product: Mortgage

I received a letter from Ditech Financial LLC stating : " This is a legally required notice. We are sending this notice because you are behind on your mortgage payment. We want to notify you of possible ways to to avoid losing your home. We have a right to invoke foreclosure based on the terms of your mortgage contract. '' The letter continued on with the options BUT the reason this is an issue is that I have made the final mortgage payment. I obtained a payoff quote on XX/XX/2019 stating the amount of the payoff on the account was {$460.00}. I was informed the funds needed to be certified and sent to the payoff address instead of the regular payment processing. I obtained a money order from XXXX XXXX in the amount of {$460.00} dated XX/XX/2019. I then mailed the payoff quote and money order to : Ditech DEPT CH XXXX XXXX XXXX, XXXX through my local post office with tracking. Tracking # XXXX which was said to be delivered on XX/XX/2019. On XX/XX/XXXX I called Ditech and spoke with XXXX ext. # XXXX to ask why I still had a balance on my account that was showing past due {$460.00}. She informed me that my payoff check had indeed been received and was processed on XX/XX/XXXX but that their computers were being upgraded so that nothing was showing as to the account being cleared and paid off. She told me to call back in a wee and it would be taken care of by then. So I then looked at my account on XX/XX/2019, a week later and the balance was now showing {$690.00} past due. I again called Ditech and the person I spoke to didn't give me her name. I explained the whole situation again and asked how can I have an increase in balance a week later when the payoff amount would be the TOTAL due on the account and nothing more. I can't owe more than what the payoff amount is. She told me the system is updating and I just need to be patient and there is nothing she can do. I told her that now its saying past due which is being reported on my credit as late payments and she said again there is nothing she can do because the system is updating and it will get fixed when it gets fixed. I informed her they can't do this and my credit is being affected and I will be getting a hold of a lawyer and she hung up on me. I have all the documentation of when the check was received and the exact payoff letter. I can not be in foreclosure if they would process things in a timely manner. Basically the money is there but not applied to my account and they are adding on more payments even though they can't do that.
Product: Credit reporting or other personal consumer reports

I have 2 collection on my credit that needs to be removed. 
XXXX : A collection for the amount of XXXXXXXX XXXX that was paid directly to the debt company. They would not send me the paid off letter after paying the balance off in full. Instead they sent me a receipt for online one payment that I made. They stated that I had to sign it and send it back to receive the paid off letter but I have still yet to receive it.

2nd : a incorrect reported collection for the amount of XXXX XXXX  that was displayed since XXXX. I have tried every way to get this removed and it is still on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I was late on a XXXX XXXX loan for a few months, in XXXX I paid off the overdue balance for my loan and then I noticed my credit report said it was charged off. Immediately I contacted the help desk and they told me I had no loans charged off or with collections ; then I got a notification that I had a new loan ( I did not consent to this ) again I check in and they said I had one open loan. I since paid it off and asked XXXX XXXX  to reflect on my letter that it wasnt charged off, but they ignore my request and told me to wait for 30 days. They havent addressed my issue, and my equifax complaint went nowhere- please help me! I have read horror stories about XXXX XXXX  and Im scared.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  did not provide me the original application contract. And have been negatively reporting to XXXX and XXXX my consumer credit reports. I demanded to removal of this negative account immediately. 

The others were unauthorized credit inquires. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I restarted a refinance with this loan company now that the seasoning period for the foreclosure is up. They ran the credit, but I haven't heard back from them in over two weeks. 

Emails are attached.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been oveXXXX XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Debt collection

Received an email from a company called XXXX regarding a loan with BHG it clearly states on the email that there is a judgement status and post judgement collection on and that i should reach out to them to resolve. It threaten to report to credit bureau This morning there was a collection account on my XXXX credit file. for XXXX from this company. I was threaten and lied to regarding the status of the account and was never notified of any judgement made against me. I never had an account with XXXX and demand proof right to collect from me. please submit proof of ownership of loan how they aquired it and what right do they have under the law to collect from me. who gave them the right to report and report to credit bureau show me any documents that i signed with them anything connecting me with XXXX. I demand they remove the collection from my credit file and unless they have any proof of there ownership of the collection. that i signed then remove from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I need help. Someone used my personal information fraudulently to open this account. I didn't have knowledge of this account. Please help remove this fraudulent account off my credit report.
Product: Debt collection

Dept Of Ed AIDV is appearing on my XXXX Credit report 12 times! This company has caused me a lot of stress  because of what they are reporting on my credit report which is inaccurate information on my credit profile along with the furnisher!!!! I have had difficulty obtaining loans which results in Adverse Action because of what the credit bureaus are reporting on my credit profile along with this Debt Collector, 15 USC 1681FCRA states ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : per violation 15 USC 1692k 813. Civil Liability ( a ) Amount of damages, 15 USC 1692k section ( 2 ) is {$1000.00} per violation! This company has caused me many problems, I can't get good rates on insurance or credit or a loan!!! I want this derogatory information removed from my credit profile because I did not give consent per 15 USC 1681 ( a ), ( 1 ), ( 4 ), ( b ) compensate me for the violation. Update my credit profile, I want Everything in writing also the investigation 15 USC 1681j 12 CFR Part 1022, Subpart N, ( C ) Nation-wide specialty consumer reporting agency, 15 USC 1681i ( iii ), ( 7 ) Description of reinvestigation procedure no later than 15 days ( 8 ) Expedited dispute resolution ( e ) Treatment of complaints and report to congress, It's not accurate 15 USC 1681 ( a ) Accuracy and fairness of credit reporting.
Product: Money transfer, virtual currency, or money service

Regarding complain no XXXX Paypal told me to release the funds on XX/XX/2021, but they haven't yet released my funds and are not giving me any update on my funds. I am stuck and need help from the consumer financial protection bureau. 

Atleast PayPal should give me a date when they will be able to allow me to withdraw the funds. 

This is the last warning I am giving to PayPal else I am a tech guy and I know How to pull money out of PayPal illegally later I wont be responsible for paypals deed Its been approx 400 days and PayPal is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here is the account that is erroneous in my file and needs investigation : XXXX XXXX XXXX XXXX XXXX XXXX : {$130.00}
Product: Debt collection

Contacted company about a XXXX collection on my credit report let them know it was fraud and they refused to remove it and said it was my debt..the company sent me statements of credit card chargesXXXX  that is not proof of ownership XXXX  the refusal to remove this collection is causing me harm because I never applied for credit ever as a XXXX XXXX XXXX I have not been given the opportunity to establish credit because of this inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX  XXXX XXXX XXXX XXXX loan showing on my credit report it does show a XXXX  balance but shows as a collection charge off account paid after dispute this information is not true the account was never late and paid off with XXXX balance I have disputed however credit bureau responds as verified but doesnt update payment history or status
Product: Credit card

I was shocked when I reviewed my credit report and there was a late payment reporting on the dates below : Charge Off as of XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX 150 days past due as oXXXX XXXX XXXX XXXX days past due as of XXXX XXXX 90 days past due as of XXXX XXXX  60 days past due as oXXXX XXXX XXXX  30 days past due as of XX/XX/XXXX During the time of the COVID XXXX pandemic shut down I contacted your company customer service to receive assistance to avoid missed payments on this credit card & I could not receive help to resolve this matter nor avoid.
Product: Credit reporting or other personal consumer reports

All State reported incorrectly an account that I never opened. 
XXXX XXXX charge of {$350.00} XXXX XXXX {$1000.00} XXXX {$320.00} XXXX {$1800.00} XXXX  XXXX {$7100.00} all these accounts are incorrect and I disputed these all.
Product: Debt collection

On or about XX/XX/2023 I received a notification from XXXX indicating a collection was added to my credit file by Consumer Adjustment Co for a debt in the amount of {$700.00}. I have no knowledge of this debt so I attempted to dispute through XXXX the following day and on XX/XX/2023 I received notification from XXXX that the information I disputed was verified as accurate and did not provide an explanation indicating how they found it to be accurate. On XX/XX/2023 I sent a request for debt validation/ verification letter to the collection agency via certified mail and my records indicate they received that on XX/XX/2023. It has been over XXXX  days and the collection agency has not responded to my letter or contacted me to verify and validate this debt that I have no knowledge of
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and wilfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Here is the list of items which are UNKNOWN to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is unathorized inqueries on my report. i have had a fraud alert on my report for XXXX years and have not ran my credit at all! please remove any of these inqueries from my XXXX, XXXX  & equifax and i did not authorize and have no knowledge of this! 

XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

Called multiple times after being told not to call as they have the wrong phone number. 

All calls are robocalls/prerecorded messages, but in two different flavors. All represent a company named Superlative RM ( superlativerm.com ) Variation 1 : A message in a mans voice saying this is XXXX from Superlative RM and to call back at XXXX XX/XX/XXXX - XXXX - XXXX XX/XX/XXXX - XXXX - XXXX XX/XX/XXXX - XXXX - XXXX Variation 2 : A female robot voice saying to to call Superlative RM and to call back at XXXX. This one references case XXXX. 
XX/XX/XXXX - XXXX - XXXX XX/XX/XXXX - XXXX - XXXX They have call previously, but i have deleted those messages. 

I have informed these guys more than once not to call. First time was on XX/XX/XXXX at XXXX. 

They are calling a number that has been mine since XXXX. They must be working off of phone number lists that are more than a decade old. I wish the FCC would go after that stuff too. Example, if the phone number hasn't been validated in 7 years, they are not allowed to call it. And perhaps if one debt collector is alerted of a bad phone number, they should pass that along when a debt is sold.
Product: Mortgage

Have tried to get a loan modification from ocwen but they keep saying I did n't send everything in XXXX time so I kept going through the motions. In the meantime, a tree fell on my house blowing fuse box and wire along with a tree through my living room roof and ceiling. It 's been XXXX days without power. I and my animals are dehydrated and I spent XXXX to stay somewhere else and pay part of tree removal. Because they got a FORCED policy on the house, they refuse to give me the money to fix my house and get power back on. I would love to keep my house but I have seen too many complaints about ocwen to know that they will not help. Also, I ca n't speak to an american. I do n't understand any of them. I now have no money to stay elsewhere until they make a decision and do n't have anymore money to fix the power and roof myself. I need help. XXXX XXXX
Product: Mortgage

I was notified by my current Mortgage Servicer XXXX that my service provider was changing to Shellpoint. I received the notice from XXXX, understood everything. Received a letter from Shellpoint with instructions on what to do and when. All seemed well until I went to register as directed@shellpointmtg.com. I entered my information and received an email from another company. One that was not disclosed at all in the instructions.That company was called NewRez. There is no mention of this company. I called Shellpoint to confirm this was an affiliate and they confirmed it was. I find it deceptive to not disclose who does what on this loan. So what does Shellpoint do and what does NewRez do. I found when I called in they offered my loan number and my name with out any security verification. I guess calling from my phone and giving the last 4 of my account was good enough? Is it not required for all whom are servicing my mortgage to disclose contact info and what it is that they do? Seems a bit unfair for the consumer to have to guess or hope they are related to the same mortgage service provider.