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

Experian and XXXX are reporting incorrectly the XXXX XXXX partial account number XXXX as ( 120 ) days past due. ( Please see page 4 of the attached credit report. ) This account does not belong to me. I do not know who XXXX XXXX is. This trade line item recently appeared on my credit report. This incorrect reporting is harming my credit score and this item needs to be removed. I have contacted the ( 2 ) bureaus to resolve this, however I have been unsuccessful.
Product: Debt collection

I was notified by IC System on XXXX XX/XX/2020 regarding an alleged debt. IC System is the collection agency for XXXX XXXX XXXX. I have reason to believe this debt was incorrectly assigned to me ; my monthly payments to XXXX XXXX XXXX are current with my XXXX XXXX card ( see attached PDF XXXX XXXX payment history ). I have also used XXXX XXXX ( credit card ) in the past to pay for services to XXXX ; this card is currently on file. The debt does not explain what services are delinquent in payment ( s ).
Product: Mortgage

My mortgage company Green Tree Servicing LLC changed into Ditech Financial and I have been charged false " late fees '' even when paying before the date specified. My statement say " a {$27.00} late fee will be charged if paid after the XXXX of the month ''. I paid by XX/XX/XXXX last month and did have real late fee that I also paid in FULL and my statement for XX/XX/XXXX says I owe $ XXXX+ in late fees!!!! FOR WHAT?!?!?! It is robbery and makes no sense. They also just went up on our payments for escrow and I 've been reading alot of complaints about this company. I feel as if I am being played with, stolen from and I can not afford this! They should be out of business!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked and that is unacceptable. I work hard to maintain my good credit. Equifax should fix this and offer some sort of compensation or credit monitoring. Equifax should be the most secure company since they have so much information on consumers. How are they going to fix this? I need to know because I am one of the ones who has had their identity stolen.
Product: Debt collection

Company reported a non valid debt to the credit bureau. Debt validation was sent via certified mail ( tracking number : XXXX ), and they have yet to respond. No idea who this 'debt ' belongs to or why it 's on my credit report. Account ending in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/2022, authorized representative XXXX, from XXXX XXXX XXXX ext XXXX accepted that the balance of {$130.00} from the original XXXX XXXX XXXX of Georgia will be COMPLETELY DELETED FROM ITS REPOSITORY once balance was paid. I paid balance and it has not been deleted on of my credit profile with XXXX, XXXX, and EQUIFAX. I wish to have this deleted complete per request and law.
Product: Debt collection

i had sent various letters to the various collections agency first letter i send to went to XXXX XXXX on XX/XX/2020 there was no actions taken i asking them to show some type of validate to verify that this account belong to me didnt get much of anything. next i wrote to LVNV funding in XXXX XXXX around XX/XX/2020 mail was returned business dont have a valid address. Finally i wrote to Resurgent Capital Services i wrote them around XX/XX/2020 they told me not to be sending duplicate request and sending some type of bill statement which is not a legal binder showing that the account is mine showing that the account is mine i asked for verification showing me anything showing with a signature on it Nothing i need this to be deleted from my account it is hinder me on obtained credit
Product: Debt collection

I receive multiple calls per day. I know that collection efforts must take place between XXXX and XXXX in the recipients time zone and calls can not be made on Sundays. They are violating all of these.
Product: Bank account or service

I have a dispute with PayPal. As you know, according to PayPal rules, I am not allowed to go to court, and must arbitrate any dispute. So, as required by the PayPal Rules, I submitted a " Demand for Arbitration '' to the XXXX describing my dispute with PayPal, including all required information. Much to my surprise, instead of a dispute resolution process, the XXXX sent both myself and PayPal a letter, saying that the XXXX could only begin the arbitration if both parties provided written consent ( because the PayPal rules do not correctly appoint the XXXX as the administering agency for the arbitration, so the XXXX required a separate consent ). I immediately submitted my written consent. But PayPal REFUSED. Thus, the PayPal rules say that I must arbitrate all disputes with PayPal with the XXXX, but when I tried to submit my dispute to XXXX arbitration, PayPal refused to use the organization their rules call for! Now I have no recourse at all, I am not allowed to go to court, and PayPal refuses to arbitrate in the manner proscribed by their own rules. This is truly outrageous conduct by PayPal, they clearly are just trying to avoid any dispute resolution process. I will attach a copy of the XXXX letter to this complaint if this system permits. Please force PayPal to follow their own rules and arbitrate my claim in the manner their own rules require. 
XXXX XXXX
Product: Credit card or prepaid card

There is a data breach at Avant! Multiple fraud victims on XXXX, complaining about their fraudulent charges, Avant employees are not answering any calls to resolve any disputes. My credit card has XXXX fraudulent charges, and I was not given any sort of proof that someone is looking into my fraudulent case!
Product: Debt collection

I went to the urgent care and I had paid my co-pay. The insurance paid their portion once the bill was submitted. I had {$0.00} balance but I got sent to a collection agency. When I called, I told them that this was paid off and they told me that they were going to delete out of my credit but they never did.
Product: Mortgage

My mortgage was refinanced in XXXX XXXX with Wells Fargo Home Mortgage. At that time I had over XXXX % equity in my home ( as confirmed by my mortgage consultant ), yet I 've been paying Private Mortgage Insurance for the last 10 months at a rate of {$110.00}. 

After the paperwork was signed, the consultant stated he could easily move me to a conventional loan without having to go through the entire refinance process again ( i.e. no new appraisal, pulling credit history, etc. ). I decided to talk with another lender about this situation. Their comment was, " your lender should 've either given you the option of a conventional loan at the time of refinance or removed PMI since your appraisal verified at least XXXX % equity in the home. In addition, it is unethical for the lender to ask you to refinance again, due to their error, when you asked about removing the PMI. '' Based on the Homeowners Protection Act of XX/XX/XXXX, for mortgages signed on or after XXXX XXXX, XXXX, the mortgage servicer is REQUIRED to automatically terminate PMI once the homeowner reaches 78 % LTV, or gains XXXX % equity in their home, based on the original property value. If this is true, what can I do to recover the financial damages I have incurred?
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am inquiring about the XX/XX/XXXX missed payment on the Band of America Auto Loan. I scheduled an auto-pay on the Bank of America App and the app did not schedule the payment on XX/XX/XXXX to the Auto-loan. I spoke with Bank Of America and was told it may possibly be a systematic error that has occurred, but they have not changed the false record of the missed payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  on XX/XX/22 sold me a lemon. When they approved me. They only told me they were going through the bank XXXX XXXX. But they shopped around banks to get them selves the best finance rate where I would be paying XXXX a month. I returned the vehicle the next day and received 90 percent of my down payment back. XXXX XXXX XXXX, XXXX XXXX, And numerous other banks got my information. My social security and Id have been recently compromised. So Im just trying to stay on top of my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent letters to the consumer credit reporting bureaus regarding inaccurate and unknown information on my consumer credit reports. The following items are reporting as shown : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not yet received a response even though it has been over 30 days. I feel as if I'm being taken advantage of and my disputes are being ignored. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties, my reputation and creditworthiness are being damaged. Section 611 ( a ) ( 5 ) ( A ) ( i ) in the FCRA clearly states that a failure to investigate the items being disputed within 30 days and provide the information I have requested gives reason to immediately remove those items from my credit report. It is now over 30 days and the items in question should be promptly deleted from my credit report. I demand that these erroneous items are deleted immediately from my credit reports or I will file for litigation due to the stress that I have endured and their failure to comply with the FCRA. My information has been impacted by the XXXX data breach. I have attached a copy of the letter I sent.
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 COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$3000.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$7400.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2600.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Consumer Loan

I bought a XXXX Toyota Prius XX/XX/XXXX. I have tried over 50 times to cancel GAP insurance coverage. It is still not refunded/canceled? 
I bought a XXXX Toyota Prius XX/XX/XXXX. I have tried over 50 times to cancel GAP insurance coverage. It is still not refunded/canceled? *This complaint is in now way directed at the dealership XXXX toyota of XXXX. They told me not to complain sternly. I just need GAP insurance canceled. I do n't think at this point they are sincerely trying to help. Toyota does not want to refund the GAP insurance, Tire Warranty and Life XXXX extras. I put in written, verbal, phone, XXXX, attorney general complaints, customer satisfaction case numbers, and most recently the XXXX, Amercians with XXXX act is informed of the discrimination I am receiving on the phone. You all know I have XXXX and are trolling me, stalling the refunds in a attempt to get me to go away. This is discrimination and if continued appropriate civil suites will be filed, as a third party is now documenting this abuse. on all fronts Toyota is " trolling '' me. Furthermore the XXXX complaints do n't always go through. I have also as of today not received my new car purchase survey. It should be mailed to the address on this complaint. All future correspondences should be mailed to this address, by physical mail. This is my request. I should have no extras on the account. GAP, Tire Warranty, and Life XXXX have all been requested dozen of times to be cancelled in writing. I confirmed received. Just refund the extras I didnt want already, as promised over 50 times. They keep claiming phone problems with their telephony. Please look into this and why I have not received my new car customer satisfaction survey. I have a feeling they are withholding the survey to fix their scores. I never wanted the extras, and have tried to cancel of them. Now they are just trolling me, making a joke of how long they can stall. Sincerely. refund all the money, and give me a summary of the dates and amounts. Thank you. I used to work for Toyota, their crimes are egregious to say the least, I sent the DOJ a whole dirty laundry list in XX/XX/XXXX. Please look into this, major stuff going on that needs oversight. Thank you.
Product: Money transfer, virtual currency, or money service

On the XXXX of XX/XX/2022, I received an email from PayPal that my account is going under closure, first i thought this was a fake email but when i logged into my account it was actually real. They are telling me that my account is closing from the vague reason of violation of PayPal 's Acceptable Use Policy. What i did first is messaging them on the paypal website and asking for a more specific reason, first I received an automated message which i responded to so a person can answer me. The second answer i think it was by a person but it wasn't telling me why my account is closing, just that my account was reviewed and they think it should be closed. I replied to that answer again and told them what i am using PayPal for and ask them again the reason why i was permanently limited. They simply answered that the decision can not be overturned and that my funds will be frozen for 180 days. I called them on XX/XX/XXXX and explained to them again what I use PayPal for and they issued a new revision for my account which i never got an answer for after 72 hours of waiting. I use PayPal to sell digital products/goods. I am a developer and I create plugins/scripts which are digital products, then I sell these products on a marketplace. I can give all the info on my products and the Marketplace that I am using if needed but PayPal never asked for that before closing my account. I was using my PayPal account for about 2 years and I had no disputes over this time period, the account was verified and I gave all my personal information when I created it as well as added my credit card & bank account. I am really worried now that I'll never get access to my balance that was frozen, I have XXXX $ which i can not access. I need this money to pay my bills and my life expenses and can not wait 180 days to have it back. For 3 days I have been stressed and couldn't sleep & eat.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this over because there are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I, ( INSERT CLIENTS NAME ), also did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of15 USC 1681b- ( a ) ( 2 ).
Product: Credit card or prepaid card

On XX/XX/XXXX I tried to make a payment for my Wells Fargo credit card but the website did not allow me to add the payment account and gave " account already exist ''. Though I have not added any account in past and my credit card itself was just 3 weeks old.

When I contacted their support, the rep said this has been reported to " TECH '' and will be worked out soon.

On XX/XX/XXXX I tried again and got the same error, and after calling to Wells Fargo got the same response that this has been reported to " TECH '' and will be worked out soon.

Today XX/XX/XXXX I tried again and got the same error " account already exist '' and due to this I can not make payment and Wells Fargo is not allowing me to make a payment and seems will put charges on my account due to non-payment.

I request CFPB to write and instruct Wells Fargo to provide a resolution and also not applying the non-payment charges to my account.
Product: Debt collection

Hello. OnXX/XX/XXXX I returned a leased car over to XXXX XXXX XXXX XXXX and took another lease in exchange. It was a trade in. I entered into a new leasing agreement still in effect. I was told by the salesperson ( XXXX XXXX ) that since I was taking another car from the same dealer I did not have to pay any amount for returning the car to the dealer before the end of the lease. 
OnXX/XX/XXXXXX/XX/XXXX ( 14 months later ) I received a letter from a collection agency trying to collect a debt of {$800.00}. When I contacted them they told me that I owe that amount to XXXX because I returned my car before the end of the lease. I went immediately to the XXXX dealer and the Salesperson ( XXXX XXXX ) and the Manager ( XXXX XXXX ) both informed me that it was a mistake that XXXX made, they processed improperly the trade in paperwork and that 's why XXXX was charging me with that amount, but since that account was closed and sold to a collection agency they had nothing to do, meaning to say that the problem that they created is now mine and that I have to find a solution for something that they did wrong on their side.
Product: Debt collection

I signed a one-year contract for gym membership in XXXX XXXX. At the time of signing, the XXXX XXXX account manager informed me that I could call prior to XXXX XXXX to avoid auto-renewal for general membership. I signed a one-year contract for training in XXXX XXXX but was never informed that the auto-renewal clause also applied to my training contract, which was signed separately. 
In XXXX XXXX, I moved outside of the contractual XXXX mile range. I called the gym in XXXX to cancel early, according to the out-of-range clause. I was told that I needed to send a notarized copy of new lease, via certified mail, to prove that I had moved. In the same XXXX phone call, I communicated to the XXXX XXXX Gym Manager that I wanted to cancel my contract at the end of the agreed 12 month term. I was told that a note would be added to my account and that my account would not auto-renew in XXXX. 

I noticed at the end of XXXX that I was still being charged. So, I called XXXX XXXX Golds Gym to request refunds of the unauthorized charges in XXXX XXXX - XXXX XXXX. They claim not to have record of my conversations with associates in XXXX XXXX and I was told that no refund would be given since I had not formally canceled. 

In XXXX XXXX, I was directed to ABC Financial for " formal cancellation ''. ABC Financial informed me that they are NOT able to cancel my contract because the training portion needs to be cancelled in person. Two weeks later, my work schedule permitting, I made the XXXX miles drive to the gym location to sign the training cancellation form in person. I then was able to call ABC Financial and finish cancelling my gym membership contract. 

In XXXX XXXX, I disputed the charges via XXXX Bank. Within two weeks of my claim with XXXX, the charges were investigated and permanently refunded to my account. 

At the end of XXXX XXXX XXXX, I began receiving calls for overdue account balances from XXXX separate entities. The XXXX entity identified themselves as lawyers collecting debt on behalf of XXXX XXXX. XXXX XXXX are not, however, credited lawyers in Texas ( location of original debt ). They also sent an " attorney letter '' that fails to match the amount due that was quoted over the phone. The associate at XXXX XXXX XXXX Legal threatened to " send my information to credit reporting agencies at any minute ''. He later admitted to me that they " work for '' XXXX and are not actual debt collectors or credit agencies. 

XXXX XXXX claims to represent XXXX personal training contracts although I have never seen or heard mention of their business name in any contracts I signed with XXXX. They inform me that as of XX/XX/XXXX, my account remains open ( despite having my cancellation paperwork on file now ). This firm will not acknowledge my dispute of the charges via phone or email but refuses to send to me via mail a formal invoice of the alleged charges. 

I have been putting good faith effort into avoiding auto-renewal of my contract since XXXX XXXX. Once my contract term ended, I made good faith effort to promptly cancel my contract to avoid the unfair extension of the pre-determined contract term.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a Police Report with the XXXX Police Department and Submitted the Police Report via Certified mail to all 3 bureaus XXXX, XXXX, Equifax. Requesting to delete all fraudulent accounts written on the police report and FTC report submitted XX/XX/XXXX. They have not deleted the accounts. 
I respectfully request the help and assistance of the CFPB to assist me in removing these negative fraudulent accounts from my consumer report as per 15.USC 1681 E. XXXX XXXX VIOLATING MY RIGHT TO PRIVACY BY REPORTING INCORRECT INFORMATION ON MY CONSUMER REPORT. 

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