23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been disputing this collection since  XXXX  and beyond and collection company has been reporting negatives to  XXXX    XXXX   and  XXXX . This debt collection belongs to my dad  XXXX   XXXX   XXXX  in which he filed a Bankruptcy chapter  XXXX  on  XXXX   XXXX  in  Federal Court and it was discharged  on  XXXX   XXXX . The amount of {$3700.00} has been terminated in Bankruptcy chapter   XXXX  ..The Bankruptcy chapter  XXXX  file case number is  XXXX . I am a single mom with  XXXX  children can not afford to pay debt or have any negatives on my credit report..Please contact my dad for any information on  XXXX   XXXX  Apartment debt in  XXXX  california  .This debt is al so on my mom  XXXX   XXXX  and my sister  XXXX   XXXX
Product: Student loan

Navient put me on a reduced payment program and they cancelled it on me without calling me. The woman on the phone by the name of XXXX told me they tried to call me and reach me but could n't. Also that they should have told me XXXX XXXX when they called me to change the payment from credit card to my account which I did.
Product: Mortgage

I took out a XXXX XXXX XXXX with SpringEQ on XX/XX/2022 in the amount of XXXX. During the closing process, the lender paid off several outstanding debts including a personal loan through XXXX 's XXXX ( account number XXXX ) in the amount of XXXX. However, this amount resulted in an overpayment in the amount of XXXX which was refunded to the XXXX XXXX, the title company which initiated the original payoff [ Check No. XXXX ] However, to date, I have not received a refund nor has the amount been credited back to my home equity loan balance.
Product: Payday loan, title loan, personal loan, or advance loan

I bought an item off XXXX via Paypal and opted for a XXXX payment installment. The item didn't work well so I returned it. I called Paypal- simply just to see how the refund would be handled since I had made XXXX payments and had XXXX outstanding payments. Huge Mistake!! The XXXX that answered the phone told me the ONLY thing to do was file a payment dispute. I argued against that, but he was adamant that was the only way to get the issue handled. Fast forward HOURS later and I'm still dealing with this nightmare and no end in sight. 
When the XXXX  paypal guy started the unwanted payment dispute that STOPPED XXXX from issuing my refund. My refund has now been canceled by XXXX because of that XXXX from paypal who opened the payment dispute. 
The cherry on top - then I get an email from paypal that they have denied the payment dispute. So now I have NO WAY of getting my money back and each company has XXXX  for customer service. 
XXXX says talk to paypal, paypal says talk to XXXX. 
Paypal will not call me back.
Product: Credit reporting or other personal consumer reports

I have sent the companies a letter requesting to opt out. Per 15 USC 6802 of all an any authorizations i the consumer may have given written nonwritten verbal or non verbal consent which i have not.

Experian is a consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Privacy act 1974 states The Privacy Act of 1974 is a federal law that protects individuals ' privacy by establishing a code of " fair information practices '' : Protects individuals The Privacy Act gives individuals the right to : Request their records Request changes to inaccurate, irrelevant, untimely, or incomplete records Be protected from unwarranted invasions of privacy Governs federal agencies The Privacy Act requires federal agencies to : Comply with statutory norms for collecting, maintaining, accessing, using, and disseminating records Publish notice of modifications to or the creation of systems of records in the Federal Register Maintain accurate, current records Notify the public of all systems of records it creates by publishing System of Records Notices ( SORNs ) in the Federal Register The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Experian is not being fair and reporting inaccurate information on my consumer report. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.
Product: Credit reporting, credit repair services, or other personal consumer reports

Data breach information compromised. Don't recognize account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXX has violated my rights. 

15 USC 1681 Section 602A states I have the right to privacy.

15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.1681 15 USC 1681i section 611 ( a ) ( 5 ) states that the reinsertion of Previously Deleted Material if they don't notify me of the reinsertion within 5 business days is not legal. The documented reinsertion violations without 5 days notice is listed as follows ; XXXX XXXX XXXX who identified himself as a Dispute Supervisor deleted 30 day late with confirmation # XXXX. A second deletion after reinsertion was stated to be completed on XX/XX/22 with XXXX XXXX ID XXXX at XXXX as well. 

XXXX XXXX XXXX who identified himself as a dispute Supervisor stated on the call XX/XX/22 at XXXX am that the 30 day late was being removed. XXXX referenced file # XXXX as documented proof of the 30 day late deletion
Product: Mortgage

My husband and I have had continued problems with paying our house payments with PennyMac. There are always issues with hidden fees and our payment rising and not being explained. Weve attempted to make payments ahead and call to relay that wed be making advance house payments. We recently received a letter stating we were late for the month of XX/XX/XXXX. We printed our payment history and found that PennyMac had taken it upon theirselves to take payments and put them towards principle reduction. Weve also noticed that there are reoccurring charges for property inspection fees. We believe these to be fraudulent charges. Our home insurance is supposed to be taken monthly and appears as a lump sum on our bill. The fact that they chose to apply our house payments towards the principle reduction they were also charging us late fees. We werent late.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Please remove the following items : 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: Mortgage

Please see attached documentation. BB & T claims to have received an incomplete Loss mitigation package on XXXX/XXXX/15. I have a fax confirmation that it was received XXXX/XXXX/15 and sent through mail and received XXXX/XXXX/15. I have a copy of the faxed / mailed and it was not incomplete nor received on XXXX/XXXX/15. Furthermore, BB & T stated this should be judiciated outside of Civil Circuit court since it was a " Federal Issue, '' did not wait for the court to rule on any of the objections / motions and proceeded without adherence to Federal law. BB & T had been notified on separate occasions that I, the Plaintiff, notified BB & T that there was already a Loss Mitigation in process with XXXX. After our last hearing, the opposing counsel said they would email me that day to come to a resolution and was never heard from again, despite my many attempts to reach his manager. BB & T was dishonest with the court and CFPB responses and ignored that I had a loss mitigation in progress with a HUD approved counseling center.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Product: Checking or savings account

I opened a checking account with BMO harris bank because there is a promotion of {$500.00} if I transfer {$5000.00} to the account. But after I did all the required funds transfers, they did not honor that promo. 

What is even worse, they charged me monthly fee of {$25.00} even though my balance has been above the " fee waiver '' threshold. I tried to close it or transfer funds online, and the online account says those transaction are not permitted for my accounts. I called them to close, they said I have to go to the bank personally. Now I live in a place where there is no branch close by. BMO has already deducted {$170.00} from my account, and it is still going on. I never had such bad experience before. 

I request to close this account and they shall also refund me all the fees they deducted for doing nothing. 

Thank you for helping!
Product: Credit reporting or other personal consumer reports

I checked my credit report and found incorrect addresses that do not belong to me and need to be removed immediately : " XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Also, I noticed an incorrect name variation listed as " XXXX, XXXX, XXXX. '' This name is not associated with me and must be corrected from my credit report immediately. Incorrect information like this can lead to fraud, identity theft, or confusion about my financial history. Please update my credit report as soon as possible to ensure it is accurate. Thank you for handling this quickly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has placed a derogatory account on my credit report in the amount of {$830.00}. I sent for the debt to be verified as I have never done business with this company before. After I disputed the information it came back as validated but I was not provided an explanation of how the debt was validated. The company is also showing that the account is open and active and that is incorrect as well. I have never opened an account with them and it is inaccurately reporting on my credit report resulting in a lower credit profile.
Product: Credit reporting or other personal consumer reports

I recently disputed accounts & inquiries on my consumer report that are a result of identity theft and they came back verified. Pursuant to 15 U.S.C. 1681i ( 7 ) and FCRA Section 611 ( a ) ( 6 ) and ( 7 ) I have the right to request an explanation of the verification method used I am requesting the method a verification that you used for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of Verification- Description of reinvestigation produce. A consumer reporting agency shall provide to a consumer a description referred to in a paragraph 15 U.S.C. ( 6 ) ( B ) ( III ) - a notice that, if requested by the consumer a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency including the business name and address of any furnisher of information contacted in connection with such information and telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I am NOT asking you to reinvestigate but Im asking for the method of verification. Please provide me with the following information to insure 100 % accuracy. If you can not provide this information within 15 days please remove this item from my consumer report. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Thank you for your attention in this matter, XXXX XXXX XXXX Without prejudice, All Natural Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt. in fact therefore exist 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Debt collection

Unseen on my credit report that there was an overdue bill for XXXX XXXX and it is a medical bill that was already paid by insurance I don't have to pay the bill again because it got sent to a collector Insurance already told me that
Product: Credit reporting or other personal consumer reports

I have good credit fie with no charge offs or derogatory. I was listed as additional cardholder with XXXX XXXX on another individual 's XXXX  XXXX credit card account. XXXX XXXX, when calling in did, and currently do, read a disclosure statement as an additional cardholder. The disclosure from XXXX XXXX, reads, I will not be personally responsible for the card. When applying for credit, other credit card companies advise me the credit card is not approved because negative XXXX XXXX account being perceived and judged by credit providers as my bad credit and responsibility for. After disclosing to credit card company providers, I don't have or hold a XXXX  XXXX account, its another individual 's action and unfairness to me, in impacting and reporting on my credit causing perceived responsibility and defiantly NEGATIVE, the credit providers are disclosing its on your credit file as a large negative and impacting your ability to get credit until " i remove it '' or I pay it and this makes me responsible. Because I now need to appeal to remove it, its become something I am responsible for and that conflicts with XXXX XXXX disclosures too. This raises questions of fairness and morality too, me as a separate individual and nn account holder of XXXX XXXX. As NO other credit card provider i was additional cardholder for is reporting negative on my credit file, only XXXX XXXX. I am now in position to be responsible for removing the credit card, from my individual reporting, and because of this my credit worthiness is being impeded. I request it to be removed by XXXX XXXX from my credit file. My overall credit usage is {$3300.00} and at the time of filing this I only had 10 % credit utilization making me a good credit candidate, but for XXXX XXXX 's negative reporting on my file, for another individuals action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I've reach out to the credit bureaus several times, but I was not successful as I've now learned that all the disputes and letters I've sent in were just verified electronically, or sent overseas for processing. I am wanting to block these fraudulent accounts from my credit report, they have don't so much harm, and cost me lots of money with the lenders that I now do business with. After consulting with my attorney and a mortgage broker, then informed me of my options in handling my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

REMOVE ALL FRAUD ALERTS AND FRAUD MARKERS/INDICATORS FROM MY FILE
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account on an open end consumer credit plan as late for any purpose.
Product: Credit card

I guess I'm going to have to take it there. So, recently I complained about not being able to pay my bill anymore. My login was deleted and my card was no longer showing. I have not been able to pay my bill since XXXX WITH NO FAULT OF MY OWN! I have repeatedly asked for this information. I then realized, as several times this year, I don't know who I am dealing with so I need to make sure I document. 

So let me get this straight. I faithfully and ALWAYS paid my bill timely. You SUDDENLY make it to where I can't pay my bill, and yet you are also adding interest and late fees as though I am avoiding to pay it!? Does that not sound crooked to you? SO LONG AS YOU UNDERSTAND THAT YOU WILL NOT GET A DIME OF WHATEVER FEES YOU HAVE ADDED, THEN FINE. The amount due is {$110.00}. That's it. You've basically given two months free. You're not getting anything extra. This is your fault. 

THIS IS YOUR FAULT! THE BILL WOULD HAVE BEEN PAID ALREADY! 

I REFUSE TO JUMP THRU HOOPS AND ROLL OVER LIKE A DOG FOR YOU! BRING MY LOGIN SCREEN BACK SO I CAN PAY MY BILL LIKE I ALWAYS HAVE! YOU ARE ATTEMPTING TO HURT MY CREDIT! MY FUTURE! THAT IS A FINANCIAL THREAT I WILL NOT TAKE LIGHTLY! 

NOOOOOOOOOOOOOOOOOOOOOO LATE FEES WILL BE PAID. THIS IS YOUR FAULT! DO I NEED TO GET A LAWYER? DON'T TEMPT ME! 

I have the right to be fed up with this. Fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX. XXXX  XXXX XXXX, TX XXXX 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 in 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, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX Unverified Account Unverified Account Unverified Account Creditor 12 Unverified Account Creditor 13 Unverified Account Creditor 14 Unverified Account Creditor 15 Unverified Account Creditor 16 Unverified Account Creditor 17 Unverified Account Creditor 18 Unverified Account Creditor 19 Unverified Account Creditor 20 Unverified Account Creditor 21 Unverified Account Creditor 22 Unverified Account * Please remove all non-account holding inquiries over 30 days old. * Please add a Promotional Suppression to my credit file. Thank You, XXXX XXXX XXXX XXXX. IN WITNESS WHEREOF, the said party has signed and sealed these presents the day and year first above written. Signed, sealed and delivered in the presence of : XXXX XXXX XXXX XXXX. XXXX Signature STATE OF COUNTY OF I HEREBY CERTIFY that on this day before me, an officer duly qualified to take acknowledgments, personally appeared XXXX XXXX XXXX XXXX, who is personally known to me or who has produced XXXX as identification and who executed the foregoing instrument and he/she acknowledged before me that he/she executed the same. WITNESS my hand and official seal in the County and State aforesaid XX/XX/XXXX. XXXX Notary Public Printed Name : My commission expires :
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I contacted the creditors, I contacted the Bureaus. I've had no responses from them
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent accounts on my consumer report. I am a victim of identity theft. I sent my FTC Report and my PA License as proof or identity to Experian, XXXX, and XXXX on XX/XX/2023. These companies are in violation of 15 USC 1681c-2.