23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2016, this debt for {$1500.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the  right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all  unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported a complaint to the CFPB back on XX/XX/XXXX regarding XXXX, XXXX and Experian reporting an account that did not belong to me from XXXX XXXX XXXX under account # XXXX. I sent in the police report and identity theft report with that dispute. XXXX and XXXX deleted the account but Experian did not. This account was filed under identity theft and I demand that it be removed immediately, Experian should be following suit with XXXX and XXXX. This account does not belong to me. My rights are being violated by them not following suit with the other bureaus. I demand action please immediately.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting ACT ( FCRA ) to conduct a reasonable reinvestigation of disputes information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues, such as failing to forward consumer- provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experiences, where Experian has neither corrected nor removed disputed items. I am requesting immediate corrective actions to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, I have provided these companies, proof that I am a victim of identity theft. I have filed police reports, and has listed these creditors as fraud. It has been challenging having these inaccurate items removed off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave Experian my written consent to publish my private information onto their website. They have violated my consumer rights Pursuant to 15 U.S code 1681b ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I demand all accounts thats in the dispute letter be deleted or i will seek litigation due to the stress these negative reporting accounts has caused me.
Product: Money transfer, virtual currency, or money service

Bank of America on XX/XX/XXXX they declined my submission for two XXXX transfers for {$3500.00} each ( total {$7000.00} from XX/XX/year> ) saying that " my complaint was outside the given timeframe of 90 days '', however I was traveling abroad for 120 days and didn't know it was a fraud until I did the accounting.

I asked for reconsideration and why they refuse to look at the facts not their internal policy which was not communicated and I got the same response " the refund was requested outside the BOA timelines.

I tried to speak to a real person from Fraud and kept getting passed around to no avail. Those who heard what happened sympathized and said they updated the notes but nothing happened. Even BOA staff agreed this was wrong but could do nothing.

This is the man who I reported the fraud about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. US DEPT OF EDXXXX XXXX XXXX US DEPT OF EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

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. 

15 U.S.C. 1681B ( 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX I attempted to make an order on XXXX using PayPal as my payment. The payment was to be in part from my PayPal Balance ( about {$160.00} ) and in part from a credit card stored on and used through PayPal ( about {$100.00} ). 

There was an error in the process of placing my order and I received an error code from the website stating the order did not process. However, when I checked PayPal, my funds were removed from my PayPal account and a hold for the {$100.00} was placed on my credit card ( confirmed through my XXXX app ). 

The next day I contacted XXXX to be sure the order had not gone through. They assured me it had not and they had no access to my funds as the order had not processed. 

I attempted to contact PayPal via phone to check on the status of when my funds would be released. The customer service phone line provided an automated message that there were no customer service representatives available by phone and a chat through PayPals website was the only way to resolve the issue. I have received the same exact message on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX at varying times of the day, even after a customer service representative online through PayPals chat told me I should call in for help AND a supposed PayPal Supervisor through chat also suggested I call in for help. 

Every day- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have contacted PayPal through their support app to try to get my funds back. Everytime they have stated it is on the merchant and told me to go back to the merchant. PayPal states they can not give me my funds back until XX/XX/XXXX and only the merchant can do it prior. 

I have called the merchant now twice and been assured that due to the website error they in no way have access to my money and can neither claim the funds nor refund them as they never gained access to them. 

PayPal refuses to return my funds to my PayPal account or take the hold off of my credit card until XX/XX/XXXX, nearly a month after the error in taking my payment. My only recourse is to continue trying to get them to take action through their PayPal chat which can take hours for a response, is always from a different person who had clearly not read the entire string of communication, and never results in any progress towards my refund. 

Thank you for your time.
Product: Mortgage

XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX 
XXXX XXXX CA XXXX XXXX XXXX Hello, My Name Is XXXX XXXX XXXX. The problem is Originator of my XXXX 4 % percent FHA HUD HOME LOAN Acquired and closed XX/XX/2013 CA XXXX provided by XXXX XXXX XXXX XXXX XXXX ID XXXX, TAX ID XXXX NMLS ID of XX/XX/1028XX/XX/XXXX XX/XX/8400XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX Agency Case XXXX XXXX which PMI Condition of the loan 138 month of PMI Lenders Case No XXXX Loan amount XXXX Section of the Act for HUD cases XXXX. loan is missing from all three Credit Reporting Agencies XXXX, XXXX, XXXX. My Mortgage Loan was Transferred Sold to XX/XX/XXXXXX/XX/1153XXXX XX/XX/XXXX. XX/XX/XXXX Sold and Transferred My loan on XX/XX/XXXX to PennyMac Loan Services. 

PennyMac Loan Services will service loan starting ; XX/XX/XXXX. My Statements Has not been correct in 9 years escrow account analyst was consistently done too month early wrapping 2 month of previous year into the next years billing creating higher payments every year and PMI OR MPI is not do to drop from loan until after last monthly payment in XX/XX/XXXX has been paid which has not past yet to meet terms however PennyMac Loan Service has dropped PMI violating terms and conditions of the loan. I have requested on several occasions the tracking and payments made to FHA HUD that is collected and provided on FHA HUD CONNECT that print out of PMI paid tracking by servicer PennyMac Loan Services They have never provided the Legal FHA HUD CONNECTION PROOF OF PAYMENTS OF PMI. I looked on the FHA HUD WEB SITE to see my home standing because all FHA HUD HOME LOANS ARE LISTED I never refinanced my loan. My home located at XXXX XXXX XXXX XXXX XXXX CA XXXX loan provided by XXXX XXXX XXXX XXXX XXXX ID XXXX, TAX ID XXXX XXXX ID of XXXX XXXX XXXXXX/XX/1028XX/XX/XXXX, KS XXXX Agency Case No.NUMBER XXXX which PMI Condition of the loan 138 month of PMI Lenders Case No XXXX Loan amount XXXX Section of the Act for HUD XXXX XXXX is not present on FHA HUD WEB SITE which PennyMac Loan Services stopped paying PMI YEARS ago PMI is not due to come off my loan for another Year and a half but yet PennyMac creative billing has been sending false and incorrect statements for sometime. The Truth in Lending has been violated as well as my property rights have been violated as a homeowner. I ask from consumer affairs because of the blatant act of violating terms and conditions I ask DEED AND TRUST PAID IN FULL. 
Collectively all credit Reporting Agencies has a part in this Mortgage Fraud That I have been Subjected too and need to be accountable for this. All Mortgage Loans stay on your credit for the life of loan 30yr, 15yr and or 10yr transferred, Paid in full and or refinance that too keep track and elevate Mortgage equity Theft and Mortgage Fraud. 

Thank You. 

XXXX XXXX XXXX.
Product: Credit card or prepaid card

Apple Card/Goldman Sachs took an adverse action upon me by closing out my account, which actually constitutes as discrimination per the ECOA. They've also taken unfair and deceptive means by eliminating my view of Statements, Transactions, Open Disputes, & Balance of Alleged Debt ( Billing Error 15 USC 1666 ). Please address those 4 problems above as well as the discrimination/adverse action/closing of my account. The customer service is very poor, gives misinformation, doesn't respond for 20min at a time, I escalated my concerns 19 business days ago in regards to this and still no response. 


It has come to my attention that Goldman Sachs has discriminated upon me and breached a fiduciary obligation. In accordance with the Equal Credit Opportunity Act, 15 USC 1691 ( A ) ( 3 ) it shall be unlawful for any creditor to discriminate because the applicant has in good faith exercised any right under CHAPTER 41. Chapter 41 Consumer Credit Protection, Truth In Lending Act, 15 USC 1602 ( F ) defines Credit which is the RIGHT granted by any Creditor ( 15 usc 1602 ( g ) ) to a debtor to defer payment of debt or to incur debt and defer its payment. I have in good faith exercised this right as a Creditor and demand an open end credit plan be created, as you also have a fiduciary obligation by gaining access to my XXXX XXXX XXXX account, in which as Beneficiary I havent benefited from this transaction. Per HJR-192 of XXXX the Gold clause was dismissed, the United States went bankrupt, birth certificates were created bonds used as collateral. Per 12 USC 83 banks can not make loans on their own capital stock, 12 USC 1431 defines banks as borrowers. I signed a deceptive form in accordance with the FDCPA, 15 USC 1692j, the application is a promissory note/negotiable instrument, I endorsed. I do not receive income from employment, yet Im compensated pursuant to 12 USC 4502 ( 6 ). I am demanding my Apple credit card be taken off restriction with a {$30000.00} limit to be deferred on a monthly basis as requested. In terms of any alleged debt, please forward copies of VALIDATION and see case XXXXXXXX XXXX XXXX XXXX XXXX as statements are not sufficient evidence. Financial Institutions do not loan anything, my endorsed ( signature ) application ( negotiable instrument ) is made equivalent to federal reserve notes and disbursed back to me in the form of a " loan ''.
Product: Credit reporting

Equifax has allowed unauthorized hard credit pulls. See proof from XXXX and XXXX that they did not authorize the pulls. Please remove XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, and XXXX/XXXX/15
Product: Debt collection

I have been sued by the collection XXXX XXXX XXXX  they did not properly notify me of anything then I was told I was served back in XXXX at XXXX I wasn't even home so how was I served and then after that I never received any letters about court dates so now I have a default judgment. On top of that the amount is now higher I didn't get a fair chance to defend myself or protect myself there practice is so very underhanded.
Product: Credit card

Regarding my Capital One Venture card Purchase Protection Plan. 

See documents attached. Contract requires XXXX to pay my homeowners deductible. Despite a demand from my attorney XXXX refuses to pay obligation or even explain the language in contract that clearly states that XXXX will pay my deductible. See attached
Product: Checking or savings account

I reported to wells fargo that my credit card account was used fraudulently and that the amount of debt that was incurred was not mine they immediately acted and closed said account due to fraud that was also tied too a court case that included the person who committed it but they are now trying to make me liable for a debt they already closed and knew was fraud and this wells fargo account is now back on my credit report which also is against the law being that a judge court ordered that this debt is relinquished im reaching out to have you enforce that wells fargo complys with the law i also have my attorney looking into this but wfbn wells fargo account should not be on my credit and there should be no report of this matter at all
Product: Other financial service

I called this places number thinking they were the student loan place and they were n't, they really did n't tell me they were just a help center. They consolidated my loans which were already consolidated with XXXX my current loan place. Then they turned my loans over to XXXX XXXX XXXX who paid off my loan to XXXX. I had given this " help place '' my credit card # thinking this was how I would pay into the loan place, but what they did was charge me {$590.00} taken out {$150.00} in a four month period. They have already taken out {$300.00} which I told my credit card I was disputing. I called this " help place '' to tell them this and was told they would turn me in for collection. Now what do I do? I need help getting my money back.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX XXXX : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security Number XXXX, a resident of XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
XXXX. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
XXXX. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
XXXX. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I was contacted b y Atlantic Credit and Finance i n  2015  regarding a credit card debt I owed to  XXXX   XXXX  Company.   We resolved the debt and I paid a settlement in good faith in the amount of {$10000.00} on  X/XX/15   .   I took this money out of my 401K.   My complaint is that I was not told this would be considered income by the IRS and the State of Oregon.     As a result, this created an additional tax burden for me and I had no way to arrange for additional withholding since I did not know the amount of debt " forgiven '' would be counted as additional income.   IF I would have known the complete impact of the arrangement I agreed to, I may have preferred to make other arrangements.     I was led to believe there would be no further consequences to my finances once I paid the agreed upon amount. This omission by Atlantic and their representative constitutes bad faith and misrepresentation.     I am still dealing with the IRS and State of Oregon on this issue and it continues to cause financial hardship.     I would appreciate you investigate this action by Atlantic.
Product: Bank account or service

See attached document regarding the mis-handling of bank account, excessive amount of time to take care of customer via customer service and denying fraud complaint.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that 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 XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX # XXXX  XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; DEPT OF ED / XXXX XXXX  Balance : {$0.00} ; DEPT OF ED / XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$4300.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$66000.00} ; XXXX DEPARTMENT OF EDU XXXX Balance : {$3600.00} ; US DEPARTMENT OF EDU XXXX Balance : {$2900.00}. 

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: Vehicle loan or lease

I recently got this loan with the first payment due at the end of XX/XX/2021. I made the payment timely. I then made an extra payment in early XXXX and enrolled in auto draft for all my subsequent payments due. I received a call on XX/XX/XXXX that my payment for XXXX was late. I told the representative that I was enrolled in auto pay and she said it takes over a month to start working automatically. How so when this is a major bank?? I said I would immediately make the payment online and some extra to get ahead. The online payment option did not work at all. It would not accept my payment and randomly deleted my bank account information only to have it reappear when continually trying to process a payment. I noted that the system was saying I owed double what was due with the XXXX due date ( over {$1400.00} ). I decided to just try and pay that anyway but couldn't even get that to process. I'm literally trying to pay more than is legally due on my contract. 24 hour customer service that is advertised on the website sends my call to a message that says the office is closed tonight. I want to pay my loan and they are making it impossible. I clicked on my account number to get the full number for this report and the website won't even load it now. This has been happening since the 10th and hold times for customer service during the day are over half an hour which I can't wait on because of my job. I'm tech savvy and have tried multiple devices and web browsers with the same result. They are intentionally setting me up for added fees and default. I work in finance and know this is not okay. Please help me pay my bill and make US Bank take the correct amount of money due. I have perfect credit and it better not be affected by this incompetent behavior by a major bank. I couldn't even email the bank in the contact section as it would not submit or enter the drop down selections. See attached images.
Product: Credit reporting or other personal consumer reports

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 


XXXX XXXX XXXX {$9600.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX {$0.00} Date Opened XX/XX/XXXX XXXX XXXX Date Opened XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX inquiries XXXX XXXX XXXX XXXX XX/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