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

I had various credit cards with XXXX XXXX. They sold a few of those credit card debts to other credit card companies or collection agencies. My accounts were supposed to have been accurately placed in the hardship program that was designed to help us consumers with our repayment of debt. lowering the interest and payment amount. 
under the requirements all of my accounts that were originally with XXXXXXXX XXXX were supposed to have been placed in the " protective status. '' I made preset up my payment amounts and dates of payment. to ensure my responsibility of the agreement. to continue to stay elligable for this program. removing some of the ineterest. maintaining and keeping the account in good reporting standing. eliminating some of the interest and mainting the accounts open.because i want to buy my first home. my accounts were placed in the hardship program in XXXX XXXX these accounts were XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX 
well, they had the misspelling of my name in a couple of the accounts XXXX  and XXXX. They fixed the name on the XXXX and never the XXXX account. 
the issue of them not fixing the name- caused various issues when attempting to speak to management about the account. they would also have issues bringing up the account inorder to talk to them. the failure of not filling out the form on the representatives end for the hardship program- is why the accounts were sold off to another collections agency. placing my active accounts into closed and sold to collections. damaging my credit and the repair promise of the hardship program. making the purchase of a home impossible. I have sent hand written letters to the Credit bureaus, them as creditors to the customer service department and the dispute department. I have attempted since XXXX of XXXX for these issues to be resolved. we are now in XXXX and i am still being affected by their mistakes. can someone please help me. 
i found oout about the issue in XXXX of XXXX XXXX XXXX became the owner of the XXXX account/debt and i was notified then. i have even requested my account notes and they will not release them. i need to get this fixed. we are in XXXX. PLeASE!!
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX, Due to financial hardship, I financed approximately {$500.00} with XXXX XXXX XXXX. I was unaware that I would be charged approximately {$400.00} in interest. Due to health issues I defaulted on this in XX/XX/XXXX. In XX/XX/XXXX, they sold my account to a collection agency. They sold my account, knowing I had health issues and knowing I was seeking a reasonable payment arrangement. The only solution the collection agency that XXXX XXXX XXXX, sold my account to was : a buy out or to set up arrangements with my checking account information ; they refused to accept a money order or any other alternatives.
Product: Mortgage

On XXXX I was told my new mortgage payment effective XXXX would be {$630.00} based on a loan balance of {$100000.00}. On XXXX I made a payment of {$22000.00} to reduce my loan balance to {$86000.00}. Despite this payment, Greentree claimed that my mortgage payment would still be {$630.00} despite the reduced loan balance. I have spoken to Greentree XXXX times only to be told " they would look into it '' but that I still had to pay {$630.00}. On XXXX XXXX they sent me a letter saying that " my account has been approved '' but that I have to continue making the {$630.00} payment until I hear from them. I have never missed nor made a late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit report is reporting 2 accounts on my report that were to be deleted. The first one is bank of america 2nd one is  XXXX. I have been disputing these accounts for over 6 months now and still nothing is being corrected. However XXXX  did an investigation and it was proven that these 2 accounts be deleted off my report. XXXX should have received the same response from my dispute. I keep getting letters from XXXX that they verified the accounts belong to me and updated. This is completely wrong. I contacted corporate office at bank of america discussed the whole situation that these charges were not made by me. XXXX is out of business but sent me to collection. I 've tried contacting the collection agency and they told me there is no record of me in collection as the account is probably too old. All I no is I PAID in full the XXXX card. I 've disputed these accounts so many times with XXXX and now they will not allow me to re-dispute again unless I submit supporting documenation. This is not right as it is affecting my credit score in a very negative way. I feel XXXX is NOT doing a thourough investigation as if they did they would have received the same response as XXXX did to delete and remove these accounts off my credit report. I have previously uploaded copies from XXXX that these 2 accounts were deleted off my report. XXXX is not doing the right thing and to not allow me to re-dispute is completely wrong. I have 2 things on my report that DO NOT belong on there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea why you guys sent me a letter saying that I didn't file the complaint against Capital One. I did and this is bogus that im having to do this again. I attached a copy of the police report and affidavit with the first complaint why XXXX XXXX  XXXX would someone else have the information. Here is the new complaint against Capital One. 

Capital One sold my account to XXXX after they knew this was fraud and had received all documents they needed to prove the fraud. I guess I will tell you again what happen. XX/XX/2021 Capital One printed a letter saying they know it fraud. Knowing this they are fully award this is fraud so how can they send me to collections knowing this? On XX/XX/2021 I noticed a new collection on my credit report to my surprised it was XXXX Capital One. This is so wrong on so many levels I have no clue where to start. If this is not remove from my credit report IMMEDIATELY!!!! I will SUE I sick and tired of all this when I have done all the work for them to prove this is fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in several certified letters to Transunion disputing the accuracies of my Credit report. I have disputed the Collections, closed accounts, and inquiries. I have asked to see proof on how how these collections, closed accounts, and inquires have been verified but have not had any success except the same generic statements that the accounts in question have been verified with no other explanation or proof. I have had the same collections removed from my XXXX report. I have requested that all collections, closed accounts, and inquires that I submitted on XX/XX/XXXX be removed from my credit report.
Product: Debt collection

CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT COLLECTIONS ACCOUNT APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Product: Debt collection

Portfolio recovery brought a debt out from capital one that I have not known about. When I contacted them they didnt have this in the system but they had one from a XXXX XXXX XXXX XXXX XXXXXXXX dollars from back in XXXX  I have knowledge of any of these debts and according to FCRA SEC623 enforce FACTA 312 if your unable to perform a reasonable investigation then the company is required by law and FCRA to remove the negative info. This has been on my credit report longer than 120 days and I need this removed immediately
Product: Debt collection

National Recovery Agency ( hereinafter NRA ) is obligated and has failed to comply with 15 USC 1681s-2 ( a ) ( 7 ) ( A ) ( I ) when furnishing negative/adverse information to a consumer reporting agency. has furnished adverse/negative information about this consumer to XXXX, XXXX and XXXX. 
NRA has a duty to this consumer to provide this consumer with a written notice prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency. 
This consumer has yet to receive a written Notice of negative/adverse information from NRA and the time allotted for doing so has since expired.

NRA has incurred statutory liability under the Fair Credit Reporting Act as a direct result of its failure to comply with the above mentioned title and section.

NRA is obligated to this consumer with a NOTICE OF DEBT ; CONTENTS as propounded within 15 U.S.C 1692g ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ).

NRA has failed to comply with the Notice Requirements set forth within 15 U.S.C 1692g Validation of Debts, specifically paragraph ( a ), subparagraphs ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ). 
NRA has failed to apprise this consumer of his right to dispute and request validation of the information being communicated by it to XXXX, XXXX and XXXX. 
NRA has incurred liability under the FDCPA as a direct result of its failure to comply with the above mentioned title and section. ( See 15 U.S.C 1692k ( a ) ( 2 ) ( A ) ). 
On or around XX/XX/2023 NRA communicated a text message stating I owe a debt without informing me that this debt can be disputed. I communicated back to mark this debt as disputed and to cease contact. On XX/XX/XXXX, I received back to back phone calls with a voicemail left regarding this alleged debt. Another clear Violation of the FDCPA.
Product: Money transfer, virtual currency, or money service

paypal closed my account for no reason.. they have further hold my funds for over 187 days without enabling ne to withdraw my money ( XXXXXXXX XXXX  ) i need help. 
" You can no longer do business with PayPal After a review, we decided to permanently limit your account as we found potential risk associated with it. 

You'll not be able to conduct any further business using PayPal.

Any bank or credit card information that's linked to your PayPal account can not be removed nor can it be added to another account. You can still log in and see your account information but you can't send or receive money. 

If you have funds in your PayPal balance, we'll hold it for up to 180 days. After that period, we'll email you with information on how to access your funds. 

We regret any inconvenience this may cause. '' my mail : - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an old fraud account from chase on my credit report being reported as a charge off. XXXX refuses to remove the account even though it is inaccurate and I have supporting documentation. The account in question is part of a fraud case and to resolve the case chase and I agreed to settled. The account was should have been removed but XXXX refuses keeps saying validated. I asked for information as to who or whom they validated and information they submitted but XXXX has not sent me any information pertaining to that, but yet after a recent dispute XXXX reopens the closed account and re-ages its. I have supporting document to show account was closed and paid.
Product: Mortgage

I am current on my mortgage with Nationstar. On XXXX XXXX I received the attached llletterletter from Nationstar claiming I was " more than 30 days late ''. I called the XXXX -- XXXX number on the letter and was told I had missed my XXXX 2015 and XX/XX/2015 mortgage payments. Since them I have sent them cancelled checks, proofthat Nationstar both received these payments and cash the checks. Finally I wasable to reach someone by telephone who told me that in fact my payments were cucurrent through XXXX XXXX 2015 but despite repeated requests they have not sent mea statement of my account showing all payments are current.
Product: Debt collection

I am writing to convey my deep annoyance and dissatisfaction with how your bureau has managed my identity theft disputes. Despite my repeated attempts to resolve this issue, I have encountered a frustrating lack of responsiveness and action from your side. 
As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized accounts and transactions appearing on my credit report. I reported these fraudulent activities to your bureau and submitted all the necessary documents and detailed explanations, to substantiate my claims and establish my innocence. 

As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized accounts and transactions appearing on my credit report. I reported these fraudulent activities to your bureau and submitted all the necessary documents and detailed explanations, to substantiate my claims and establish my innocence. 

What adds to my frustration and disappointment is the bureau 's apparent failure to recognize the seriousness of my situation. Despite providing substantial evidence of identity theft, it seems that my case has been either overlooked or deemed unimportant. This has left me feeling disregarded and powerless in a matter that has profoundly impacted my life XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I implore your bureau to take immediate and comprehensive action concerning my identity theft disputes. I insist that you prioritize my case, conduct a thorough investigation, and expeditiously remove the fraudulent accounts and transactions from my credit report. I also request a clearly defined timeline for resolution and regular updates on the progress of my dispute. 

As a consumer, I believe it is my right to have my concerns addressed promptly and diligently. Should your bureau fail to provide a satisfactory response within a reasonable timeframe, I am fully prepared to seek legal counsel and escalate this matter to the appropriate regulatory authorities to ensure that justice is served.
Product: Debt collection

The account and information listed in the ID Theft Report were opened fraudulently and from an unauthorized use of my social security number and card. I did not authorize these accounts to be taken out, nor do they relate from any transaction by me. 

The company is knowingly and willingly committing Aggravated Identity Theft to collect on an extension of credit and punish me for non repayment of, when I am in fact not the debtor as they are alleging. This is a violation of 15 USC 1681a, 18 USC 1028A, 18 USC 894, The Gramm-Leach-Bliley Act, and RICO.

This is an Identity Theft pursuant to 15 USC 1681a ( 3 ). The information I am demanding to be removed is not sent in error and is an affidavit of fact, so there is no material misrepresentation of the fact. If you believe I obtained possession of goods and services, then have a senior executive member of this company put this information on a signed and notarized affidavit under penalty of perjury.

Per 15 USC 1681c-2, the credit reporting agency must block this information from being reported to my consumer report within 4 days of receipt of this ID Theft Report, and I am demanding that you do so.

Further, I am demanding that this and any account with your company that is attached to my name be deleted from your records and closed for good.

Thank you for your help in protecting my federally protected consumer rights.
Product: Credit reporting 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.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

My vehicle was repossessed due to failure to make payments for a separate insurance coverage that I declined from the the begging of the contract. I have been covered by XXXX 3+years I stated from the beginning I didnt need the CPI. So how is my vehicle being repossessed for failure to pay for a service that I declined? I tried for 3 days to speak with management. When I finally was able to speak to someone I was simply told my car was gone and there was nothing to be done and hung up on. I was never offered the opportunity to pay the loan off in full. XXXX XXXX refused to even look into the details or notes on my account. I told him these discrepancies were the fault of the XXXX employee that assisted me XX/XX/2021 He stated No comment and disconnected the call. If he had simply read the notes of the account it would be obvious that I am not behind in payments because I didnt ever need the CPI and the failure for them to enroll me in autopay is not my fault. They also shared supposedly secure information with someone that is not on my account. On XX/XX/XXXX. I made a payment towards my loan XX/XX/2021 they requested a copy of the declaration letter from XXXX for my policy which I promptly emailed when I got home as theyd contacted me while driving. I dont understand how is it that I am 3 payments behind? The one payment missed on XX/XX/2021 ( they never made any attempt to contact or collect the payment ) was due to them failing to enroll me in autopay on the eighth. This in entirely their fault and now theyre attempting to steal my down payment and ruin my credit history. I financed the vehicle XX/XX/2021 my car was repossessed XX/XX/2021 roughly a few weeks. How exactly is it even possible for me to be 3 payments behind? They are attempting to add fraudulent charges to my account in order to terminate the loan. They have even called and spoken with a XXXX representative who verified my coverage prior to finance. If I made a payment XX/XX/2021 and my account was in good standing.
Product: Checking or savings account

I received a life insurance check for {$130000.00} and went to put it into my bank account through the bank 's ATM on XX/XX/XXXX. While I was doing that, I changed my mind and decided that I should go into the bank to deposit it, so I cancelled the ATM deposit. I went into the bank on Monday XX/XX/XXXX where I deposited it into my account with the help of a bank associate. Later that day, I went to the store and when I tried to use my debit card, it was declined. I called the bank in the store and I was told over the phone that the bank decided to close my account. On Tuesday XX/XX/XXXX I went into the bank to see if I could withdraw funds from the bank so I can deposit the funds into my new bank account, but I was told that I was not allowed to remove funds from my account. I called the bank customer service number and was told that the account would be closed XX/XX/XXXX and the funds would be mailed in a check once the account is closed.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT : XXXX  XXXX XXXX XXXX XXXXXXXX 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 CONSUME REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Student loan

Starting in XXXX, my due date listed in XXXX months ahead of my actual due date. So the email about my bill for XXXX had a due date of XX/XX/XXXX. Now the loan has increased ( I understand that part ), but it says it is due XX/XX/XXXX. So is the new payment going to be processed this month ( XX/XX/XXXX ) or XX/XX/XXXX? 

I have emailed the company XXXX Edfinancial Services ) and never heard anything back. So I dont count it as being worked out with the company.
Product: Credit reporting or other personal consumer reports

I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> the most recent i've sent, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done
Product: Credit reporting or other personal consumer reports

Wells Fargo Mediation Program Administrator XXXX XXXX XXXX XXXX, OR XXXX Attn : XXXX XXXX /Claim Representative Dear sir, I have received a notice from the claim representative, XXXX XXXX, from your company, Wells Fargo. The letter was addressed to my business, the XXXX XXXX. I remember I used to have an credit account and credit card with your company, which account name were the XXXX XXXX. However, due to the Pandemic, I remember I closed both accounts eventually. At this moment, I do not have any account in the name of the XXXX  XXXX, especially, after the disappearance of my business website and email address, and possible legal action in near future, I do not feel to open any personal and business account until all matters, which might connect with illegal activities will be solved ; therefore, I can not understand at all why you can mention as We have been unsuccessful contacting you by telephone to discuss the specifics of your mediation claim and the possibility of solving your claim. I admit I have mental condition not to answer any unfamiliar telephone calls due to the many unwanted calls and hacking. However, I do not know the reason why we need to discuss the specifics of my mediation claim, which I do not know at all and I legally have the right to ask you what this specifics means. I request you to explain what kind of mediation claim has been submitted to you and your office of Wells Fargo. Also, I can not understand with same reason why you feel the possibility of solving my claim, which I do not know at all. I beseech you to explain what king of claim you have received in the name of my business name, which has been registered by my name, XXXX XXXX. 

Sincerely,