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

I use paypal for 6 year and all is normal on my account i use to recive and withdraw money to XXXX bank account .A ploblem happen last year XX/XX/2019 i got some little sale for 2 tranaction this sell is from i sell image online my hobbie sell i do this first time and i conversation to buyer through email and i accept paypal as it easy to recive money after i recive money for 2 tranaction i got account limit and paypal ask me what is this sale from i say to paypal this image sale for 2 tranaction they need proof conversation i send to them and after got my proof they limit me and say wait 180 day to withdraw my money but i refund buyer already. .And they say my account limit cause i do gambling and nutcracker and after that i wait about half year before 180 day i see 176 day paypal take all my money and say i m do damage to paypal i lose all money to paypal cause i recive wrong type payment if buyer send money to me by friend or household it not a ploblem it ploblem cause it send money to me by buyer or service this wrong and very gone wrong .I see this it a trap i reciver dont know and press recive and not have track or website he? she lose money for free paypal will limit and take all money in hold cause by this it gone wrong paypal dont care they make a trap they not help user i m tell all what is it from my sale but they anser like bot we decision is final not clarify and not have a proof for i do gambling .i send message and inbox to them but got response like bot and cant help .I see paypal is a trap if user accept service or some little sale and have all conversation but they decline this is a way paypal take user money i dont know how to do cause in XXXX paypal office was gone in last year they gather office XXXX  to XXXX i need help me i m not usa XXXX  but paypal cant do this with other user around the world .i lose XXXX free from my hard work collect i need someone help me to got my hardwork money back i dont like to lose free this money to some bad employee paypal
Product: Credit reporting, credit repair services, or other personal consumer reports

Some time this month i received a alert form my experian credit report. I log in to my account and saw a alleged XXXX XXXX XXXX off Debt. I disputed this debt. I have no knowledge of a XXXX XXXX XXXX XXXX. XXXX investigated this alleged debt and deleted off my experian report. Now LVNV Funding LLC XXXX to the same debt to XXXX for a different dollar amount claiming i owe them money. I have no knowledge of this company. This company did not contact me. The alleged debt reported to my XXXX the next day XXXX deleted it from my report This Company has caused me harm dropping my credit score. My new employment require me to have a good score in the XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX CO XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX on XX/XX/XXXX with a balance of {$29000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

My account with the following company was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed the inaccurate information the credit bureaus never removed it.
Product: Debt collection

Hi I paid my debt in 2020 to my recollection and I was told that it would be marked as paid and removed from my report on their behalf. However, as I look at my XXXX XXXX XXXX accounts, it still shows up along with either open, unknown or in collections. I would like them to be held accountable for this action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Name : XXXX XXXX
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 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account that needs to be investigated and corrected for erroneous reporting in my file is listed on my credit report. Thank you. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting aer XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 
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. Experian 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 Experian is 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. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items is being reported correctly? Who verified these accounts? 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 ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 
XXXX XXXX Date Opened : XX/XX/2006 Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I was really taken aback this morning when I found wrong accounts on my credit report, and I have no clue why. I've never had this issue before, and now, out of nowhere, there are discrepancies. Refreshing the browser didnt fix it. Im asking that my documents be carefully examined so this never becomes an issue again.
Product: Mortgage

This is a complaint which is in connection to my previous complaint # XXXX. M & T bank consumers complaint team did nothing to resolve the mistake their XXXX made which resulted in my loan mod being denied. They acknowledged she made a mistake but did nothing to fix it. Instead they released my account to collections pending review with their foreclosure team. I was on the Covid Forbearance program from XX/XX/XXXX to XX/XX/XXXX they offered me a loan mod with a partial claim which was denied because XXXX of their managers took my XXXX trial mod payment and told me I could use my suspense funds as long as I paid the difference which I did. Months later after paying all my trial mod payments and my XXXX and XX/XX/XXXX payments along with executing and notarizing the loan mod docs they deny the loan mod telling me that the {$1000.00} used for my 1st loan mod was not allowed to be used from my suspense bucket. Once they denied the loan mod they left the Covid Forbearance payments on my account applied the funds in suspense and show me delinquent for XXXXthey never took my Covid Forbearance payments and placed them in a partial claim to be placed at the end of my loan. if they had did this I would be due for my XX/XX/XXXX payment. I am going to go into foreclosure for their mistakes and violation of the CARES Act I am going to seek legal representation to see what I can do to take legal action
Product: Debt collection

True accord assumes if you dont respond to their unsolicited emails, they can start a payment plan, basically restarting the clock on debts.

" We do take payment promises seriously here at TrueAccord. I will be noting this agreement on your account ; if we don't hear from you, we will assume this date works for you '' I have not agreed to any payment plan whatsoever.
Product: Mortgage

WHEN I FIRST TOOK OUT A LOAN MY PRINCIPAL WAS {$900.00} WITH A INTEREST RATE OF 6.125 % TOO MUCH FOR A VA LOAN. FOR 12 MONTHS THAT`S $ 10,800.00.FROM XXXX TO XXXX {$32000.00}. LOOKING AT THESE DOCUMENTS SENT TO ME. I HAD THE LOAN REFINANCED IN XXXX, IT SHOULD`VE BEEN A VA IRRRL XXXX I SAW NO DOCUMENTS THAT SAID IT WAS. IT SHOULD`VE BEEN A REDUCTION OF THE INTEREST ON THE EXISTING LOAN. YOU TOOK THE EXISTING LOAN AND THE {$32000.00} IN PAYMENTS AND GAVE ME ANOTHER LOAN STARTING IN XXXX. THEN YOU TRIED TO BRING IT BACK UP IN XXXX SAYING I APPLIED FOR A MODIFICATION THAT WAS FORGED. SOMEONE JUST WROTE ON TOP OF THE DOCUMENT REFINANCE. DOCUMENT # 1 ( XXXX ) AND DOCUMENT # 2 ( XXXX ) WERE NOT DATED AND THE NOTARY LOOKS LIKE IT WAS STAMPED THE DAY YOU MAILED IT ON A XXXX DOCUMENT. AND DOCUMENT # 3 ( XXXX ) LOOKS LIKE THE MATH FIGURES WERE ALTERED. DOCUMENT # 4 ( XXXX & XXXX ) THE NAME LOOKS LIKE IT WAS ALTERED AND SIGNED AS BOTH AND THE NAME LOOKS LIKE IT WAS FORGED. WE WORKING PEOPLE WORK HARD TO TRY TO KEEP A ROOF OVER OUR FAMILY AND YOU JUST WANT TO COME AND TAKE THAT AWAY. WITH SIGNATURES THAT LOOK LIKE THE ONES ON THE PICTURE OF PAST EMPLOYEES TELL ALL. I WILL BE SENDING CFPB COPIES OF MY FINDING FOR ANALYSIS. AND THE FORGED MODIFICATION IN XXXX TO XXXX NEEDS TO BE HANDLED AS A CRIMINAL ISSUE FORGING AND ADDING LOANS TO LOANS THAT HAVE BEEN CLOSED FOR YEARS THROWING THE LOAN INTO A INTEREST-BEARING LOAN. MY LOAN WAS UNDERWATER FROM XXXX TO XXXX. THEN I GET A {$30000.00} LOAN OF EQUITY RECORDED IN THE COUNTY RECORDS AND A {$28000.00} LOAN IT`S IN THE RECORDS. THEN I AM SEEING THE INTEREST RATE OF MY LOAN AS 5.125 % BUT YOU HAVE IT ON THE BANK STATEMENT AS BEING 3.750 % CFPB NEEDS TO INVESTIGATE THIS AND I KNOW THEY CAN. THESE ARE SOME SERIOUS ISSUES THAT NEED TO BE RESOLVED.
Product: Checking or savings account

I instructed the bank to write a check for my apartment lease using the bank 's on-line bill pay service for the lease payment due XX/XX/XXXX. The payment was not delivered on time and I was assessed a {$50.00} late fee by my landlord. 

The Ally Bank online services agreement states that " We will be responsible for any late payment related charges up to {$50.00} should a payment post after its Due Date as long as the payment was scheduled in accordance with the Scheduling a Payment Section above '', and I would like the bank to uphold its side of this agreement. 

On XX/XX/XXXX I sent a message to the bank with the details of the missing payment and a copy of the statement showing the late fee that was charged. Ally Bank responded on XX/XX/XXXX saying that review of the documents " should be complete within 3-5 business days ''. There was no further communication from the bank. 

On XX/XX/XXXX I called to follow up about this request and the representative said that no information was available but that should would request further action and that I should expect a response within a week. There was no further communication from the bank. 

On XX/XX/XXXX I called to follow up about this request again and got the same story no information was available, but expect a response within a week. There was no further communication from the bank. 

On XX/XX/XXXX I called to follow up about this request and was told that the request had been closed without anyone notifying me. The representative said that the request would be reopened and that I should expect a response from the bank within a week. 

On XX/XX/XXXX I received a call from the bank requesting additional documentation ( specifically a copy of the lease showing the payment due date ). I submitted this documentation on XX/XX/XXXX, and on XX/XX/XXXX received a response requesting that I " Please allow 7-10 business days for this to be processed ''. 

Now, ten business days later, with still no response, and ten weeks after my original request, I am escalating this issue to the CFPB. 

The reference number for this issue provided by the bank is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Equifax Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( CXXXX XXXX bankruptcy ) XXXX XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( XXXX XXXX bankruptcy ) XXXX  XXXX Balance : $ 0Date Opened : XX/XX/XXXX {$0.00} ( XXXX XXXX bankruptcy ) XXXX  XXXX Bankruptcy Status : Discharged XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( XXXX  XXXX bankruptcy )
Product: Money transfer, virtual currency, or money service

Hi, I downloaded an app called Wise ( transfer wise ), known as Wise Payments Ltd, its an multi currency and money transfer company, I opened an account and topped up {$21000.00} NZD, and on XX/XX/2023 I tried to transfer {$21000.00} to my own bank account, they just closed my account without notice, now I couldnt login to my wise account, and couldnt reach any of their customer service from the wise company, Ive been waiting for almost two months, still no one solving the problem and refund my money. I really need your help get in touch with them and get my money back, its all of my savings, many thanks!
Product: Debt collection

I am a Federally Protected Consumer. I sent Navy Federal Credit Union a debt validation letter for accounts ending in XXXX, XXXX. Navy Federal Credit Union did not follow Federal Law in regards to providing proper validation of the alleged debt. NFCU has been reporting inaccurate information on my consumer report. The Fair Debt collection practices is intended to secure my right to privacy and protect the consumer against abusive and deceptive debt collection practices. This includes NFCU violating The Truth in Lending Act and the Fair Credit Reporting Act. I have mailed documentation to NFCU to rectify this matter.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute the following information on my credit report. I recently reviewed my credit report and noticed inaccuracies and/or incomplete information and accounts that are inaccurate. According the Fair Credit Reporting Act Section 15 U.S Code 1681s-2 ( a ) ( 1 ) ( F ) - you are required to promptly report the credit obligation or account as current if the furnisher makes accommodation defined as an agreement to defer one or more payments or forbear any delinquent amounts. These reported late payments on the accounts listed above all fall in the covered period mentioned in FCRA 1681s-2 ( a ) ( 1 ) ( f ). 

With that being said, I demand that all late payments reporting late on this account be updated to Paid as agreed, never late and the account be reported as current. If you neglect to update this information, I will promptly file a CFPB complaint Account Name : XXXX XXXX Accept Date Filed : Type of Account : Auto Loan XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Number : XXXX Late Payments listed on my credit report : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Account Name : XXXX XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Credit Card XXXX XXXX XXXX XXXXXXXX XXXX XXXX Number : XXXX Late Payments listed on my credit report : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Sales Contract Address : XXXX XXXX XXXX XXXX 
Number : None provided Late Payments Reported : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account Name : XXXX Date Filed : XX/XX/XXXX Type of Account : Charge Card Address : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Number : None provided Late Payments Reported : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Filed : XX/XX/XXXX Type of Account : Credit Card/Revolving XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX Late Payments listed on my credit report : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Secured Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX Late Payments Reported : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I await your reply. Once you have fulfilled my request please mail me an updated credit report reflecting these changes. 

Sincerely, XXXX XXXX XXXX