23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My contract has ended with this loan company Monterey financial services XXXX XXXX but they state that I owe them money when I don't as I explisitly asked them for any missing payments and to get caught back up in XXXX of 2023 in which they gave me an amount of XXXX which I paid and then proceeded to make my normal monthly payments now they are stating I still owe them money. They have transferred my loan several times failed to keep accurate billing of my account and asking me to provide them statements showing that I paid my bill on time after my loan being transferred back to them for my loan servicing. They are in violation of multiple federal and state laws. Furthermore, I asked them to stop contacting me and they are still contacting me. I also asked them to close this account and mark it as paid in full in which they failed to do so as required by law since my contract ended with them. Furthermore, they are posting in accurate information on my credit reports stating I had late payments with out notifying me and asking my permission to post said information on my credit reports. Also all the information they are posting is false as I have the documentation to prove it. They are in violation of US consumer law and FCRA and TDCA and continue to harrass me about this alleged debt as of today via email when I explictly asked them to not contact me anymore about this debt and mark it paid in full and pay me damages which they failed to do so.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Credit Accounts have been disputed time and company failed to properly investigate disputed information. The below accounts were disputed with XXXX and consumer received no response on the matter beyond notating the account that consumer disputes account. No investigation was conducted and the collection agency keeps reporting. 

Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX  Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$130.00} Amount {$150.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Creditor Classification INSURANCE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT COLLECTIONS Original Creditor Name XXXX XXXX XXXX XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$200.00} Amount {$200.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification INSURANCE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX Original Creditor Name XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$330.00} Amount {$330.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor Classification INSURANCE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION These are only a few of the accounts that are inaccurate on my report with XXXX. I've reported inaccurate information, accounts that were not mine at all and fraudulent reporting to XXXX, trabsunion and XXXX  and nothing gets done. Once disputed with XXXX the company only leaves disputed results in the portal for a temporary period and then removes the " supposed investigation results ''. 

I'd like to request that any and all inquiries, collection accounts and negative markings reported by XXXX, XXXX  and transunion regarding my credit profile be permanently deleted. Due to the recent findings that XXXX and others have not fully investigated disputes and further has acted irresponsibly with my sensitive personal data as seen via data breaches this is the fair and proper resolution. Once all negative, collections and inquires are removed I would like XXXX, transunion and XXXX  to send me a completed and updated credit reports. I have been sued in the past for a collection account that was not mine and had wages garnished over accounts that were not mine. This is not fair and if the credit bureaus can't act responsibly then they should not be granted my personal information.
Product: Money transfer, virtual currency, or money service

Zelle didnt put up proper safe guards and left me and my money at risk
Product: Mortgage

My current loan servicing company, PHH, is refusing to provide me with complete loan documentation that should be on file. PHH took over the mortgage servicing from Ocwen Mortgage services. The complete files should have been forwarded to PHH. I am requesting modification documents from the year XXXX showing that my XX/XX/20 loan was modified into 1 mortgage while with OCWEN. 
PHH is telling me to forward them documentation of the modification so they can research the issue. If I had this documentation, I would not be requesting it from MY mortgage servicing company. They are basically asking me to do their work. This is pertinent information that should be kept on file, regardless of the time frame it has been and that it the transaction was completed while with the previous servicing company. 
This is causing me a hardship as I am attempting to complete repairs on my home ( roof and HVAC ). These repairs are essential so that I can obtain reasonable home owners insurance. The agency that is assisting me with financing is requesting documentation that I do not have a 2nd mortgage any longer with OCWEN. 
I am kindly requesting your assistance in obtaining the proper documentation. 

Name : XXXX XXXX Property Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX Old Ocwen Loan number from 2nd mortgage : XXXX Current Mortgage acct # : XXXX PHH Mortgage Services XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ( Phone : XXXX Fax : XXXX )
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 disputed 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 fuenishers, accepting unreliable Responses, and failing to adequately notify consumers of dispute outcomes.These failures align with my experience, where Experian has neither corrrcted nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my right as a consumer.
Product: Credit card or prepaid card

I use COSTCO citi card to pay my monthly " XXXX XXXX XXXX XXXX XXXX  ''. The official amount is {$11.00}, but citi card charges me {$12.00} each time. I called the cit Customer Service and explained to them. " XXXX provider asked us to charge {$12.00}, not {$11.00} '' is the answer from citi Customer Service. However, I got my {$0.00} refund ( XXXX {$0.00} ) back after I did a dispute on citi website. Looks like that I need to go to dispute each monthly transaction to get {$0.00} back for each month. 
Not sure whether this is not a good practice? 

On XX/XX/2022, I purchased gas at XXXX  gas station when the gas pump notice said no receipt available ( instead I did take a photo of the pump, {$38.00} ). The citi card charged me {$40.00}, which is {$1.00} more than {$38.00}. It's interesting that the citi dispute site gave the {$1.00} back to me " Permanently '' immediately as soon as I entered my dispute ( it seems know there is an overcharge, which is {$1.00} ). However, two days later, I got an email from COSTCO citi card asking me to " XXXX, request a replacement card in just minutes ''. I feel this is bad email, which is like a harassment ( because I had replaced my card about two months ago with lot of troubles when I was traveling, for which I did informed citi card in advance ). I think there might be some misunderstanding, so I called Customer Service again. The Customer Service said they didn't send that email. 

I really want to trust COSTCO Anywhere Visa Card.
Product: Debt collection

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX SANTANDER CONSUMER USA. XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom This May Concern, This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well-being and seriously hurting my character.

Enclosed with this letter are the details of the account in dispute, with all of my personal information to verify my identity to help expedite this process.

By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract bearing my signature. Failing that, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life. 

The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : Account name : Santander & Account Number : XXXX This account is listed as a collection/charged off account on my credit report but I have never received a 1099C for this charged off debt. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly or delete immediately.

Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation.

I appreciate your prompt attention to this matter as these may seem like small reporting errors to you but they are serious offenses on my report when it is time to purchase a home for my family, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. Thank you. 


Sincerely, XXXX XXXX
Product: Mortgage

We submitted a loss on our home insurance for water damage XXXX XXXX 2020. Our insurance company XXXX XXXX issued a check for {$7200.00} in damages, it also had our mortgage company as a payee on the check. We were advised by the Mortgage company to overnight the check to them so they could endorse it and return it next day. We did so and they kept the check and deposited it. Saying we were delinquent. Because of that they won't release funds. They want us to use a licensed contractor, not do the work ourselves. They do not have a process for us doing the work ourselves. They haven't even released startup funds to hire a contractor.
Product: Debt collection

This guy XXXX XXXX I think is his last name. He has called with multiple last names. He is the manager. I told him me and my husband were separated about 3 months ago. He calls and leave messages daily. I stopped answering his calls and he still calls daily up to 3 times sometimes. 
He also comes to my house. Im a small person also XXXX and XXXX yrs old. He is a big man. Im in bed most of the time and if no one is with me I do not answer my door if not expecting someone. But I can see who it is and. Talk to them if I want. But this man beets on the door like he is trying to break it down. He beats on it hard. Real hard. And he beats on the glass to. I am scared of him. He says he wont leave till he gets money and beat on the door for over XXXX hr. This man reminds me of a muscle man for a crime boss from XXXX or XXXX  XXXX  Ive got a bad XXXX and he give a person a XXXX XXXX waking them up beating on their door like that. 
My name is not on the loan I dont owe him a penny. He has no right calling me, or coming to my house XXXX a week treating me like that. 

He is manager of Tower Loan XXXX XXXX IL I NEED HELP. I know what he is doing is not legal even if I did owe him. But I dont owe him so it should really be illegal big time. 

Can I have him arrested?
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma told meXXXX was pre approved for car loans and credit cards but when I applied i was denied resulting in a inquiry on my credit report. Now I have to wait some years before it is removed after damaging my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act -XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX 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 consumer report agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I am writing to address a concerning issue regarding my PayPal account, in XX/XX/2024 there were multiple unauthorized transactions which currently shows a negative balance due to the multiple transactions that neither I nor my fianc, XXXX, authorized or initiated. 

Upon noticing the negative balance, my fiance and I immediately contacted PayPal and spoke with a representative who assured me that I should not be held liable for these transactions due to the fact that the money that was transfered never reached my personal bank account and that the money was never withdrawn from my PayPal. They mentioned that PayPal has a credit policy or seller protection that would cover such unauthorized activities, indicating that I would not owe the amount currently posted to my account. 

These transactions were reported through PayPal in XXXX of XXXX, I had five total disputes to PayPal regarding the transactions. Only one has been closed since then and was refunded in the buyers ( XXXX ) favor, which he has yet to receive any of the refund. I noticed about 3-4 weeks ago that my PayPal balance was at XXXX and thought that the seller protection was applied to my account. XX/XX/XXXX I noticed that the negative balance was back on my PayPal balance. I attempted to call PayPal, and left a voicemail with my name and contact number but did not receive a call back. XX/XX/XXXX I called and was transferred to a debt collector, due to PayPal sending my case to XXXX XXXX XXXX, I explained everything to the debt collector by the name of XXXX, he stated that he would send my case back to PayPal to hopefully be overturned since I was never in control of the funds that were transfered into my PayPal balance. 

I want to emphasize that neither my fianc nor I have used this money, withdrawn it, or requested any transactions that would result in a negative balance on my account. It is crucial that this issue is rectified promptly to ensure the security and accuracy of my PayPal account. 

Thank you for your understanding and assistance.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. Complaint Summary : I am submitting this complaint against Experian regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I discovered discrepancies in the following account ( XXXX ) : Account Name : XXXX FIN Account Number : XXXX Date of Last Activity : Experian shows XX/XX/year>, which differs from the dates reported by the other agencies ( XX/XX/year> in XXXX and XX/XX/year> in XXXX XXXX. This discrepancy could be an error if all agencies are expected to report the same date. 
Date Reported : Experian lists XX/XX/year> as the reporting date, which is later than the other agencies. This might indicate that Experian did not update its records at the same time as the others. 
Payment History : Experian includes a record of one month marked as " CO '' ( Charge-Off ), indicating a defaulted account. However, since the account is already listed as closed and paid, this may not accurately reflect its current status.

Account Rating : It displays " Paid '', which appears correct, but the inconsistency with the last activity date and payment history could create confusion regarding the account 's actual condition. 
Payment Frequency : Experian does not report any payment frequency, while XXXX mentions monthly payments. This absence of data could be seen as incomplete. 

Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 2. Section 611 : Right to dispute inaccuracies and request investigation. 3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original. 4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, XXXX has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Student loan

Called to request Mohela adjust PSLF cumulative months as the total # payments made is not accurate - XX/XX/XXXX Ive solely been employed at institutions eligible for PSLF since XXXX, documentation has been submitted with job changes etc. 
My current loans with Mohela were eligible loans consolidated when my loan servicer changed. 

My total accumulative payments shown on my current loan is 54 months which is incorrect. 
It should reflect 84 months as I started my loan payments in XX/XX/XXXX and have consistently paid monthly since.
Product: Credit reporting

XXXX XXXX, FL XXXX SSN : XXXX | DOB : XX/XX/1968 Credit Reporting Letter According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a Credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account. 

I demand to see verifiable Proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable proof, you must remove the accounts listed bellow. 

I demand the fallowing accounts be verified or removed immediately. 
XXXX Please remove all non-account holding Inquiries over 30 days old. 
Please add Promotional Suppression to my credit file. 

Thank You XXXX
Product: Debt collection

at XXXX on XXXX I received a call that came up on my caller id as my mother in law XXXX I answered the call and it was Portfolio Recovery Associates I don't know how they did it but they spoofed their number under my mom in law name.
Product: Credit reporting or other personal consumer reports

Portfolio recovery wanting to report a fraudulent account on my credit after I was compromised in the security breach to XXXX and it remains on my credit report
Product: Credit card or prepaid card

On XX/XX/2017, attempted to use my Kohl 's credit card, and was advised they showed my social security number was being used by another party. This is after five years of credit at Kohl 's, using my social security. Their solution was to restrict my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ID XXXX XX/XX/XXXX DL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX early warning services LLC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the Following account numbers : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # XXXX Routing # XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Bank Routing # : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I don't recognize the following accounts in the question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my Early Warnings consumer report immediately! I've attached a copy of the report to this request. 

Thank you for your assistance Sincerely, XXXX XXXX
Product: Debt collection

LVNV Funding LLC XX/XX/XXXX {$1900.00} XXXX XXXX XXXX XX/XX/XXXX {$95.00} Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.