23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A collection agency called my wife multiple times asking for me. She thought they were spam calls and ignored. I finally pulled my credit reports on XXXX, XXXX, and XXXX on XX/XX/XXXX and saw collection alerts for the amount of {$2800.00} on XXXX and XXXX. No such alert on XXXX. The collection company was listed as XXXX XXXX XXXX on the XXXX report and Perfection Collection LLC on the XXXX  report. I telephoned the company on XX/XX/XXXX and spoke with an agent named XXXX. I was told the debt amount was for a XXXX XXXX XXXX XXXX  installed at an address in XXXX IL. I live in XXXX TN and have never lived in or been to XXXX IL. I was told the account was jointly owned with a woman named XXXX XXXX, who I do not know. I asked the agent to email me the contract. I never received it. I disputed the claim on XXXX on XX/XX/XXXX and on XXXX on XX/XX/XXXX. I received investigation results from both companies that the disputed information was verified as accurate. I have never purchased anything from XXXX and did not order this home security system. I have never received anything in the mail from them or the debt collection agency. I have contacted a lawyer and will pursue legal measures if I can't resolve this dispute through other means.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft for about 5 years now, my information was leaked during the Equifax breach. I have disputed the items that are fraudulent on my credit report 3 times with all 3 bureaus and they all do the same thing. They open a dispute and close it within a DAY! Sometimes its closed within the hour! They DO NOT INVESTIGATE! Investigations take time and require a human being look over the evidence, which has never happened in my case. I have sent in the identity theft reports, police reports, and recently their were 2 individuals arrested with my stolen information and items. I sent them this evidence as well and it has gone unrecognized. Its beyond frustrating! The items that need deleted from my report that have DESTROYED MY GOOD CREDIT, are XXXX, XXXXXXXX XXXX XXXX and XXXX. I will upload all the evidence on this complaint.
Product: Debt collection

They were calling about a delinquent XXXX account and were trying to offer a 60 % payment deal so I wouldn't pay in full. The agent asked me to speak to the supervisor but he was pushy and tried making me pay money today. He asked me to verify my account and asked for a last four of my XXXX and my birthday, but didn't let me hear my address. I was scared and hung up after they were rude.
Product: Debt collection

I keep receiving an Active Billing amount by XXXX to my paypal account. Despite being able to turn off active billing, the debt paid to XXXX should have never been paid by paypal. 

XXXX is falsly charging users for a PRO SERVICE EFFECT when using a FREE membership plan. 

Each month, paypal is being charged and paying XXXX to XXXX for a BILLING amount I have not agreed to nor am receive service from. 
I am not alone in this scam of users on a FREE sign up to receive charges for a pro membership cost that we can not even access via our free plan. 

I have paid fees to my bank to block anymore illegal charges from XXXX, but they continue to charge my paypal account. I have removed paypal to accept anymore charges, but Paypal still has 1 accepted charge for XXXX. Now I am illegal in debt with paypal for them paying a service that has is no longer available. I want these illegal charges held against me to end and paypal to charge XXXX for any refund or debt collection. Who knows how many people XXXX is currently illegally charging active billing.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




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: Debt collection

My vehicle became a total loss in XXXX of 2020. My insurance have issued a total of 3 payments in order to resolve the issue. However the checks are being rejected and no one has given a reason as to why. Also I relocated in XXXX of 2020, and I updated my current address at that time and Ive never received any correspondence of any type until XXXX, after I sent a few emails to total loss trying to get answers and I put all information that i assumed was needed in the email in hopes that things would her done & there would be no excuses. Still no response to emails or no contact to discuss the issue with the returned checks or emails I had sent regarding the delinquent amount on my credit report. Ive never spoken with BBVA total loss department, only collection who had no knowledge of anything that was going on.. I have call and sent emails. In XXXX was when i received a credit alert saying that {$3600.00} was 30 days pass due as of XX/XX/XXXX. I dont know what this amount is and Ive contact BBVA loan department and no one is able to explain and suggest transferring me to Total loss who never answers. Just recently Ive received a notice in the mail and Im still puzzled because theres been a third check reissued in attempt to pay out the loan and the delinquent notice i received this month doesnt match what is on the credit report. This is a lot to type m, all Im asking is that this mess get cleared up, payments applied like they should have been months ago and my credit is cleared up with this outrageous delinquent amount. I do not understand how all this can happen with zero communication. Im finding out that checks arent being applied because i call and the automated system give me the full loan balance, less the gap payment that was also under paid because of BBVA giving wrong information. I was not aware of a {$3600.00} delinquent payment that has be placed on my credit i have no clue what that amount could possible be and no one has called or sent any notice about it. BBVA has failed at handling this total loss.. they have been issued a total of 3 checks not 1 but 3, 3 different times, in the same amounts and they cant seem to apply anyone of them to pay this loan off. I have never had a delinquent payment over the coarse of the loan never! Ive paid the loan even during hard times.. Durning my layoff due to Covid I had 4 deferred payments and that has been paid. I was never delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly requested that The Commonwealth of Virginia to remove the paid off account they are reporting for me. The account was open in XXXX of XXXX. It was paid in XX/XX/XXXX and should have been removed in XXXX of XXXX. It has been re-investigated XXXX times and I have been told it's accurate. I'm not denying the accuracy of the account ; But the Commonwealth of Virginia has not been contacted to endorse the removal of this account that has been closed for 7 years. There is no longer a need to report a paid and closed account that hinders my credit.
Product: Mortgage

I refinanced my home a couple of years ago. At that time Bank of America required that we use only there approved appraiser, XXXX. At that time, the appraisal came in significantly below true market value, unbelievably low. I believe this appraisal was not honest since it was not a slight difference but a large difference in appraised valve verses what similar houses were selling for in my neighborhood. Nonetheless, i already invested at cost of this appraisal so i went forward with the load and was subsequently obligated to pay mortgage insurance. 
None my house in even more, with out a doubt, than the 80 % LTV requirement. XXXX houses, my next door neighbor and XXXX houses down, have sold for greater than XXXX. These are the same models as mine and i have a better lot. I owe XXXX on my home. This obviously calculates out to a meet the 80 % LTV requirement. However, when i called BOFA and advised them of all this and asked them to reevaluate, then said they would review this and send me a letter. The letter states that my LTV is less than 80 % and that i would need to get an appraisal with their appraiser of choice to reevaluate. I am reluctant to use their appraisal service, since i am concerned of a conflict of interest between BOFA and XXXX. I feel like they are systematically manipulating this process. I do not feel that they are being honest. I would like someone to independently review this for me and for the public. If they are systematically doing this to me, they are likely doing this to many others. I feel this is wrong. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX, XXXX, I ; XXXX XXXX XXXX XXXX WY XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX GEORGIA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

The detail of the fraudulent account is as follows : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX  ) XXXX XX/XX/XXXX
Product: Consumer Loan

I went to pay off my loan with BB & t, they told me they would not accept my payment. that I had to request a payoff and go through process. I had submitted for payoff. this was a branch manager that was going to hand me back my payoff checks and not payoff my loans. She ca n't refuse me this. A teller did take my money but for a manager to act this way was inappropriate
Product: Credit reporting or other personal consumer reports

I am submitting this formal dispute regarding the late payment entries on my credit report : XXXX XXXX - XXXX - {$5700.00} XXXX XXXX XXXX - XXXX - {$0.00} These records do not reflect my actual payment history and should be corrected. I have made multiple attempts to get this matter resolved, providing all relevant documentation and following up persistently, yet the errors remain. This situation has not only impacted my financial health but has also caused me a great deal of frustration and stress. 

The Fair Credit Reporting Act ( FCRA ) ensures my right to an accurate credit report. Any incorrect, outdated, or misleading information should be promptly removed or updated. I urge you to take immediate action to correct these records. 

Please prioritize this matter, as these errors are negatively affecting my credit standing. I look forward to your timely response.
Product: Checking or savings account

Goldman Sachs Marcus froze my savings account and blocks any transfers from my account to my already-linked years-old externally-linked bank accounts. They say they couldn't verify my phone number which I used to call them - exactly the same phone number I have on file. 

They sent me a physical Affidavit of Identity to verify my identity - that took them over 2 weeks to send I filled out the Affidavit and returned it. Marcus has told me that they received it, but it has been almost 4 weeks since then, and they still refuse to approve my withdrawal because they are taking their time to process the Affidavit ( literally 1 piece of paper ) Today I finally called to insist force-closing my account, which I have requested in the past. Force-closing is a common solution that many people reported feasible on the internet. However, Marcus did not allow that to happen for the past 2 month untill today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to make this perfectly clear that this is a demand for a method of verification where the following items should be provided to ensure the validity of each account reporting. 

XXXX XXXX XXXX XXXX  I was not 90 days late XXXX XXXX XXXX XXXX I was not 90 days late XXXX XXXX XXXX XXXX I was not 90 days late XXXX XXXX XXXX  XXXX I was not 90 days late XXXX XXXX XXXX XXXX I was not 90 days late XXXX XXXX XXXX XXXXXXXX I was not 90 days late XXXX XXXX XXXX XXXX I was not 90 days late XXXX XXXX XXXXXXXX XXXX I was not 90 days late XXXX XXXX XXXX XXXX I was not 90 days late XXXX XXXX XXXX XXXX I was not 90 days late XXXX XXXX XXXX XXXX I was not 90 days late I have been trying to get this resolved since LAST YEAR and none of these credit bureaus will respond and I mean NONE of them ... this is getting out of hand. 

I need these accounts validated or deleted immediately XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, LOUISIANA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continuously tried to get 3 companies who have mistaken me for someone else and are reporting negatively. I have contacted XXXX, XXXX  and XXXX multiple times to have these removed and they just send me back a " verified '' for them. I have personally requested signatures or ANY documentation to show these are mine but they will not as they CAN NOT verify it is me because it isn't. My name is XXXX XXXX XXXX XXXX and I do not have nor have I ever had these accounts but I can not get them to send me documentation to prove it is me. I have contacted each company and they will just say verbally that it is me because they just want payment from somebody. 
Please help me to get these removed from my credit report as I can not buy anything with this listed and they are not mine! I have had this all my life as I have even been threatened for bills prior to XXXX which is when I was born. 
The creditors that show on all 3 reports are : XXXX XXXX for {$3200.00} XXXX Portfolio Services for {$2600.00} Portfolio Recovery for {$1900.00} If they will send me documentation to show MY SIGNATURE, I will pay these off but they won't because they know they have made a mistake and now just want their money. 
Please Help as the reporting agencies just get a " verified '' back which doesn't help me. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX XXXX
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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I recorded XXXX checks in the mail that I wasnt sure were valid however seemed to be legitimate. I contacted my branch on XXXX XXXX and was told by the teller if I couldnt come into a branch due to being hospitalized and had questions about the checks to go through the process of mobile deposit. I did this action and later that day my bank account was frozen. I contacted the bank customer service number to be transferred to the fraud team and they were closed. The following day I called ( XX/XX/year> ) and was transferred XXXX times. Once I finally got the right department I was told because I had listened to the teller from the branch and the deposits were flagged the bank was waiting on wether or not the checks clear to determine my relationship in the future with this bank. That on XX/XX/XXXX the checks will have cleared or not cleared and my account may be closed. I have had this account for several months and really enjoy this bank. However, I think this is a discrimination against me due to my status or my health and not being able to come into the branch or listing to the instructions given over the phone or of my orientation that I am losing my account. This is the same department my previous complaint was against that was closed with a sincere apology however has now decided to take further actions against me.
Product: Student loan

I consolidated my loan in XX/XX/XXXX after learning about pslfp XX/XX/XXXX believing my loan would be forgiven at some point. Now in looking at my loan, it isnt the correct repayment plan to qualify. I work in public service and knowing that I was consolidating my loans, I was never informed at the time that my loan would not qualify for any public service forgiveness. Navient/sallie mar have continued to withhold information which could have helped with my loan. Im now with a loan Ive paid several thousand dollars on and will receive no forgiveness. They mislead individuals or withhold information to line their pockets at the expense of customers. Very frustrated that I was not given any correct information or help when consolidating my loan in anticipation of forgiveness. I also do not believe they have applied my payments correctly
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to work with the Credit Bureaus more than once, i have sent several attempts to ask for proof of validation of accounts and they have refused to provide me with Proof. The law states that they must provide with proof if they can not they must delete from my credit or update what needs to show properly on my credit and they fail to do so. I tried my best to work with them but they are not being fair and not following the LAW. I have been trying to work with them Since ( XXXX/XXXX/XXXX of this year that is a total of 4 months of this going on. ) I ask CFPB to help me look further into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX XXXX, and TransUnion on dates XX/XX/XXXX and another following letter XX/XX/XXXX. All negative activity removed from all three credit bureaus. XXXX, TransUnion, and XXXX are not complying with their own policies in a timely manner. 

Also address and name should be updated only to XXXX XXXX XXXX XXXX always confirming middle intial ) XXXX XXXX XXXX. 
XXXX, NJ XXXX
Product: Checking or savings account

XX/XX/XXXX around XXXXXXXX XXXX XXXX phone was stolen at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX. The phone included an XXXX XXXX XXXX credit card, M & T debit card ( x XXXX, joint account for XXXX and XXXX ). ATM pin was not enclosed with debit card and NY driver 's license. 

M & T was notified @ XXXX XX/XX/XXXX of fraudulent activity on XXXX 's debit account, 5 non-M & T ATM transactions, in total {$900.00} and 6 non-M & T inquiry ATM fees, in total {$19.00}. The overall amount was {$920.00}. M & T immediately provided a provisional credit of {$920.00}. M & T XXXX XXXX XXXX XXXX is an Investment Banking Analyst in XXXX. 

XXXX has never been able to take more than {$100.00} from a non-M & T ATM -- -how is this possible that these 5 non-M & T transactions for over {$900.00} were approved by M & T in one block of time?

The weekend ABs phone was stolen she consequently replaced her phone ( see attached replacement bill ), her NY license ( see attached replacement documentation ), M & T debit card & XXXX XXXX XXXX credit card ( see attached replacement documentation ). XXXX XXXX XXXX credit card already had XXXX fraudulent transactions totally about {$110.00} before the card was frozen. All deemed fraudulent by XXXX XXXX. 

Dated XX/XX/XXXX, M & T sent a letter saying, " after a review of your account and thorough investigation, we have determined that these transactions in question were processed correctly, and no error has occurred '' Therefore we are denying your claim, # XXXX ''. " The provisional credit was reversed on XX/XX/XXXX '' XXXX XXXX, XXXX called to request claim # XXXX be reopened ( contacted XXXX ) - XX/XX/XXXX contacted XXXX that we had additional documentation, and we were instructed to go to the nearest M & T Branch and fax the documents to request the claim # XXXX be reopened. That same day, M & T Branch ( XXXX XXXX XXXX XXXX, NY XXXX ) faxed to XXXX the following replacement documentation : XXXX XXXX XXXX XXXX replacement phone, XXXX XXXX XXXX credit card and New York drivers license. 

XX/XX/XXXX contacted XXXX contacted M & T for a status and NOTHING has been done to address our claim and no follow-up dates have been provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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: Money transfer, virtual currency, or money service

On XX/XX/2022 we got a Cashiers Check from XXXX XXXX in the amount of $ XXXX it was deposited into an active Chase Bank Account , and we have the receipt of the deposit and the purchaser copy of the Cashiers Check. We spoke with Chase Bank they advised us it is an open account, and they flagged it as fraud. We told them we are trying to get our money back, and was just told to file a Police Report. They have not been much help in helping us get our money back for fraudulent activity. Please advise us on how to get our funds back. The cashiers check supposedly was to clear on the XXXX. We have all documents that this is fraud and we would like our money back from Chase Bank.