23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was on a COVID-19 Deferment Plan that I sign up for and was approved for in XXXX with Midland Mortgage. They reported that I was 30 days past due. I was told that there would not be any negative reporting to my credit report.
Product: Credit reporting 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 ACCT # XXXX  Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX  XXXX  Account name : XXXX ACCT XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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 ( i ) 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX XXXX XXXX reporting the charged off accounts referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt.

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports.

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.
Product: Credit card

Account XXXX 2002 XXXX XXXX Wells Fargo Credit Card Wells Fargo canceled my personal account, not this one above, which is my business account. I was going through a rough time making payments and asked if they could work with me on my business account. They canceled my business account without notice or a call, but they also closed my personal credit card, which was in good standing. I never missed a payment in personal with a high credit limit of XXXX k and always paid off the balance. When I called them, they said it was due to 'risk. ' This felt very shady, and I felt discriminated against because they asked if I belonged to any XXXX background during the phone call. I believe this is very XXXX, and they need to reopen my personal credit card
Product: Payday loan, title loan, or personal loan

XX/XX/2020 The manager XXXX XXXX at XXXX XXXX XXXX XXXX XXXX deceive me into applying for two loans totaling {$6100.00} to get my car back he was holding as hostage. 
I was hardest hit, and I was committed to keeping my financing needs a top priority during this uncertain time. These extremely high interest charges from auto shop/lenders unfairly punish society 's most vulnerable, hurting low-income consumers like myself and communities of XXXX. XXXX is profiting off high fees charged to those struggling the most leaving me and my family in financial distress.They have trapped me in a cycle of debt, their tactics are abusive and predatory and especially borrowers of XXXX. 
I filed a complaint with the Office of Attorney General Back in XX/XX/2020 with no resolution, only to have XXXX XXXX XXXX XXXX manager respond back he don't know why I'm unhappy. I have the letter to prove it. 
XXXX original balance was XXXX, as of today, I have paid them {$2800.00} and they still have my Payoff at {$3000.00}. They are swindlers, swindling me out of extra cash, this is a crime and one form of theft. I do not want to harm my credit report and score so please help me and stop this swindling from XXXX. Thank you. Sincerely.
Product: Credit card

A company called AVA FINANCIAL INC. is furnishing alleged transactions and experiences on my consumer report that is prohibited by the FCRA. This company is in violation of 15 USC 1681a ( 2 ) ( a ) ( i ) and 15 USC 1666B.
Product: Money transfer, virtual currency, or money service

I attempted to make a {$100.00} payment to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  through PayPal on XX/XX/XXXX. The payment method selected was my XXXX credit card ending with XXXX. Please see screenshot attached that clearly shows the payment method selected. 

Despite selecting my XXXX card as the payment method, PayPal ended up using a different payment source linked to my account, which was a XXXX XXXX XXXXXXXX checking account, without my explicit consent. 

I then submitted a dispute on the PayPal website requesting a reversal of the payment, but did not receive a response. On XX/XX/year>, I spoke with a PayPal customer service representative named XXXX, who acknowledged the error was on PayPal 's end and assured me that a credit would be issued back to my account by XX/XX/XXXX. 
However, I you followed up on XX/XX/XXXX due to a lack of communication from PayPal, the representative I spoke with, named XXXX, claimed that the back office refused to reverse the payment, contrary to what XXXX had previously stated.
Product: Debt collection

XXXX XXXX XXXX got in touch with me regarding a debt from XXXX XXXX XXXX  for an emergency loan. On XX/XX/2001, the balance stood at {$7000.00}, but XXXX XXXX agreed to settle the debt for XXXX XXXX XXXX loan for {$4000.00}. I made the payment through their website, with confirmation number XXXX. Later, RMS - Recovery Management Services Inc. contacted me regarding the same emergency loan from XXXX XXXX XXXX  that I had previously settled with XXXX XXXX XXXX. According to RMS, the debt amounted to {$3000.00}, including fees of {$850.00}. I tried to explain to the RMS representative that this debt was already settled as per my agreement with XXXX XXXX XXXX, but she was confrontational and insisted it was a different loan. Despite my efforts, she disregarded my statement and warned me about the potential credit damage if I didn't pay. She hung up the phone without any further explanation as mandated by the law. XXXX XXXX XXXX  considers this loan settled.
Product: Debt collection

Afni   XXXX   XXXX   XXXX   il   XXXX     reporting a   XXXX   XXXX   XXXX   account from  XX/XX/XXXX 2016 to  XXXX  no account in 2016
Product: Debt collection

I have been receiving calls multiple times a day by Comenity Bank, despite the fact that I owe no debt to them and have tried to be removed from their call list. I get calls at all times of the day on a regular basis and they will not stop.
Product: Mortgage

My mortgage company did not know what my payment was supposed to be every month because they did not perform an annual audit on my escrow account. XXXX month my payment was {$730.00} and some change and the next thing I knew it was {$980.00} and some change. I sent my payment on time and they refused to post the payment because of the escrow shortage and it took them over 4 months to start an audit and then another 4 months to get to the correct payment amount. Then they destroyed my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$440.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit card

Hello, My name is XXXX XXXX and I am here looking for help to dispute and remove 2 fraudulent accounts from my credit report. I'm not sure when these accounts were opened but I would love for them to be removed because they are ruining my life at this point.
Product: Credit card or prepaid card

The incompetence here is staggering, now i realize why i never got the first card and now won't get the second card as this bank never put my appt number down, thus i was even lucky to get my bill. 

Talking to XXXX now, about the incompetence here at FNBO. ( XX/XX/2023 ) She placed me hold. now getting a third card that who knows if i will ever get. 

What does it take for them to get it correct?
Product: Prepaid card

My cashapp sent me a card that didn't work so they cancelled it and was supposed to send another cash card. Well they didn't and every time it tried to order one or get one it says error. So I went to the support team and they gave me the run around not once but twice and now I'm coming to you with the hopes I get real help and assistance. I also have the screenshot of them blatantly and disrespectfuly toying with me.
Product: Credit reporting or other personal consumer reports

My credit score was lowered after I unlinked my banking accounts on XXXX website. XXXX never explained why they lowered my credit score
Product: Credit reporting, credit repair services, 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 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( 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. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX BANK XXXX. XXXX Date Opened XX/XX/2016 Balance {$1600.00} and XXXX BANK XXXX. XXXX Date Opened XX/XX/2016 XXXX {$270000.00}.
Product: Credit reporting or other personal consumer reports

I am not a chase customer but continue to receive credit monitoring alerts from chase credit journey. I have contacted them several times about the service and n do not want to receive emails or credit monitoring service from them. They continue to ignore me and my rights as a consumer. I do not need them to monitor my credit or want any of there services. I am not a chase customer.
Product: Debt collection

Received repeated phone calls from XXXX from XXXX XXXX. I spoke with a female representative told her I was unable to pay. After that I received a phone call almost every day. So I blocked that number. On XX/XX/2017 at XXXX XXXX from XXXX. A male called my phone, after confirming who I was I continued letting him know I had already spoken with someone. He told me just because I speak with someone does n't mean it goes away and because of me doctors don '' t get paid.
Product: Credit reporting or other personal consumer reports

Inaccurate information on my credit report including : Name, Address, Date of Birth, Account Information ( please see attachment )
Product: Credit reporting, credit repair services, or other personal consumer reports

It is clear to me that a mistake has been made on my credit report ... These companies conducted a credit inquiry without my authorization.. I disputed the inquiries but it came back verified. I never gave this company the permission to check my credit report.. Please take this off XXXX 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: Debt collection

I XXXX XXXX was entered into credit inquiry transactions that I did not authorize or consent to.I am a victim of identity theft and I believe my information is being used by bad people on the dark web. Having these False and misleading inquiries reporting to my credit report is very damaging and is hindering my ability to purchase a home for me and my baby girl. I as that you please remove all these false misleading inquiries from my credit report so I can began to repair my creedit and eventually get my daughter a house. please resolve this matter quickly. I have included a list of all inquiries that I did not authorize below along with the dates. 
My information was obtained without permissible purpose. 
15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I identify all the inquiries accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint.

15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report ; Please remove all the accounts listed below : 1.XXXX XX/XX/XXXX 2.XXXX XX/XX/XXXX 3.XXXX XX/XX/XXXX 4.XXXX XXXX XXXX XX/XX/XXXX 5.XXXX CARDS XXXX  XX/XX/XXXX 6.KEY XXXX  XX/XX/XXXX 7.XXXX XX/XX/XXXX 8.XXXX XX/XX/XXXX 9.XXXX XX/XX/XXXX 10.XXXX XX/XX/XXXX
Product: Credit card

USBank provided an email claiming " Earn 20 % MORE REWARD POINTS on purchases made with your XXXX REWARDS XXXX Card through XXXX XXXX! '' However, very few people will receive any extra points. Fine print states you first have to spend {$2700.00}. Then XXXX reward points are earned per dollar only on " additional net purchases ''. That 's like advertising 20 % off the last {$10.00} you spend on a {$100.00} shirt, which is really only 2 % off. Most people will use the card more thinking they will get 20 % more rewards when in reality they will get no more reward on the XXXX {$2700.00} they spend.
Product: Consumer Loan

United Auto Credit Corp. is making harassing calls to my job and other persons NOT on my list of persons to contact signed at contract lease.
Product: Checking or savings account

I had an event that I thought was fraudulent. I was confused as to how a company, who I had given my old card number and had canceled due to me feeling that they were a fraudulent company, had my new card number. After calling my bank, Regions Financial, today, XXXX, after receiving a letter from them stating that the withdrawal of the funds was not fraudulent, I was told that it is Regions ' policy to persist payment on all debit cards that are set up for withdrawals. I asked if this was something that I signed to say that this was okay to do and I was told that it was n't anything that I signed to give permission, but rather a policy of Regions. I 'm not sure if this is the practice of all banks, but I would think this falls under the overdraft protection where I would give permission for that service and would know that if a company has my card for withdrawal that it would not stop due to my card cancellation. 

The other issue is that the agent I talked to in the bank had no idea of this practice. He was actually confused and thought that the company who continued to charge on my account had access to my account number. So, this is definitely not " known '' information within the bank because those agents of the bank who opens accounts do not know in order to inform account holders. I ended up canceling the account that was attached to that card and opening a new one because I thought that a company had my account number.
Product: Credit reporting or other personal consumer reports

I was in an active bankruptcy from XXXX of XXXX to XX/XX/XXXX. During the time I was also under a Covid-19 forbearance. I was also applying for a loan modification. I paid off my Bankruptcy early. I also received the funds to pay all of the back mortgage and did not need a loan modification. Carrington Mortgage has since started reporting to the credit bureaus multiple times that I was late in XXXX of XXXX. I have had to dispute the report three times. Every time It was fixed It was reported again the next month. Carrington has told me the credit bureaus are reporting inaccurate information against their will. They said they have no payment history for me during that time and are not reporting me late. XXXX has told me they can only report what Carrington gives them. I asked Carrington for a letter stating I was not late and they said no one can write me a letter. I told them its against the law to report me late while I was in an active bankruptcy and they said because I was in a Covid-19 forbearance and not a natural disaster forbearance they can report me being late.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is with an auto loan from XXXX  XXXX XXXX. XXXX has a 30 day late in XXXX and XXXX but experian has XXXX late payments for XXXX & XXXX. I was never late on this loan and the auto was paid and closed between XXXX XXXX. My payment date for the account was the XXXX of each month. Ive sent multiple disputes letters and was told it would take 30 days to investigate. XXXX claimed it was verified. XXXX failed to respond. Experian claimed verified. I asked all three to send me how the late payment was verified and no response From each credit agency and letters were signed and delivered. I called XXXX  XXXX XXXX to see what was going on and they told me that nothing was never late and they sent the credit bureau the closed paid off account & they stated that no one contacted them about the file because when consumers dispute item they add info in the file and nothing was in my file, so Im wondering how did they verify. Experian has 2 30 day lates but the car was paid off in XXXX so how was I late? I have no idea and no one seems to know anything. My credit report is clean! And never missed a payment on ANY account. I sent experian a letter that was delivered XX/XX/XXXX and they failed to verify in 30 days and they told me now that my letter was missing and they cant change anything.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing a portion of my credit file related to fraudulent activity. However, there are still items that require removal. Under FCRA Section 605, you are obligated to remove any inaccurate records. I have previously submitted this documentation and am resubmitting it for your reference. Please be advised that my attorney is aware of my intentions and is prepared to hold you accountable for any continued non-compliance. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX P XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX OF XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

After Not being able to pay my bills due to employment termination i contacted discover several times. To make them aware that i am no longer working and i needed minimum payments they never responded. in the past they sent me {$100.00} to pay towards my discover bill which was kind of them however now i am working full time on XX/XX/XXXX i made my first payment of {$410.00} to catch up on my payments, On XX/XX/XXXX i made my second payment of {$140.00} and i noticed nothing changed as far as my available credit. i made a payment of {$25.00} on XX/XX/XXXX and another payment of {$110.00} on XX/XX/XXXX. and still my credit line keeps decreasing. so i called discover and the young lady told me that my credit line keeps decreasing because i am being charged interest. i explained to her that makes no sense because i am pretty much paying my bill to pay interest and she said yes that is correct. i explained to her i do not have this issue on any of my credit cards and she asked was there a balance and i stated yes there is a balance and i do not get charged interest. even when paying my bill with you all in the past there has been no interest charges of this significance. and that this must be some type of scam. she was not able to provide me with any information and this is absurd. i know credit cards have fees but not of this significance. and they offer no solution to help you. i am being charged {$110.00} for interest and my minimum balance due is XXXX what a way to scam a customer and then she tells me that is how we make our money.