23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Debt of XXXX was paid in XX/XX/2019 after moving out of Apartment in XX/XX/2019. The apartment agent failed to complete my new address with " XXXX '' so I never received the letter. 

I paid it under act number ending - XXXX but I received a mailing in XXXX under account number XXXX for the same exact amount. 

This company has taken it amongst themselves to reopen a paid balance under a new account number. This is fraudulent. I've called several times to get no assistance and only allowed the option to leave a voicemail.
Product: Debt collection

Upon learning that this collection account was reported to my credit report, I contacted the collection agency to first validate the debt and second to provide me with my signed HIPPA authorization letter giving them access to my medical information. I provided to the company a copy of my EOB ( Explanation of Benefits ) showing the claim was processed and paid in full. I also reached out to the Medical provider to validate that the account should NOT be in collections. I was told by the company that the EOB is NOT enough validation for them to be satisfied that the debt is not owed. I feel that my consumer rights as well as my Medical Privacy has been violated.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX " lied '' to me at the XXXX to XXXX XXXX closing for my REFI mortgage ( who sets a closing at XXXX to XXXX? ) I had a XXXX XXXX at XXXX but my medicine was outside in the bag on my bike. They knew i was a XXXX person because they demanded a copy of my XXXX XXXX award letter for proof of income. I was promised a loan note XXXX above my XXXX original amount. That 's a total of {$84000.00}. Yet 2 months later when the Fed-ex delivered my new mortgage, the amount was XXXX plus. 
So, you ask, why did'nt i cancel or refuse the REFI during my 3 day " recission '' period? The short answer ; i was denied the 3 day recission period. Also, during the closing, i asked XXXX times for a copy of the note so i could take it home and show it to a real estate attorney. Closing agents said and i quote, " XXXX XXXX, there are XXXX pages in this refi note and we have to get every page upstairs to be notarized. '' Both closing agents resigned 4 months later. My note is above XXXX and set at 40 years. Please do the math for a 40 year note and you see how screwed i am. I will be grossly upside down for the rest of my life. My credit is " shot. '' I ca n't even replace my broken refridgerator. My tv is 20 years old ( analog ) and the picture is awful. Can ; t finance or buy a tv either. My only transportation is a used bike. U get the picture. thank you.
Product: Money transfer, virtual currency, or money service

I am a seller on XXXX. I use Paypal as there is no other real choice for sellers on XXXX, Paypal is where the financial transactions from XXXX  sales are done. My XXXX sales are my primary source of income, so when the funds are made available in my Paypal account I transfer the money to my checking account. 

on XX/XX/2018 Paypal placed limitations on my account. The requested! : 1 : Photo ID - Which I submitted 2 : Provide proof of fulfillment - I submitted screenshots of XXXX listing with Shipping tracking # & confirmation of delivery of the order 3 : Provide purchase receipt from your supplier - I submitted an invoice for items I purchased ** This request struck me as intrusive, and bizarre. Why would Paypal be monitoring who my supplier is? Wouldn't XXXX if anyone be asking that? Also, as a seller on XXXX, not all items are supplied. Some are household items, or stuff we want to get rid of ... how could I possibly provide an invoice for that stuff? 

It's 4 days later and the case is still being reviewed. I'm unable to fulfill recently completed auctions, or ship those items as I purchase shipping via XXXX, which debits my Paypal account. 
I have a 100 % Positive feedback score on XXXX. ZERO negative. I've worked very hard to build my reputation. This situation with Paypal is jeopardizing my XXXX seller reputation, my buyer reputation ( I have an item I'm unable to complete the purchase of because again, MY funds are not available to me ) I have a postive account balance. No disputes. No issues from buyers. 
NO PROBLEMS WITH ANYTHING! I spoke with XXXX and they verified my account was in excellent shape, no issues. 

Since the account limitation was placed I have been forced to Cancel orders that I am unable to fulfill costing me nearly {$100.00} in lost sales. 

I am unable to withdrawl my own money, yet Paypal had still collected it's fee for every transaction! If Paypal collects it's fee, the order sent, and received by the buyer, why can paypal prevent me from accessing my own money??? It's unbelievable! It is hurting my ability to make a living, and its preventing me from fulfilling my sales, and obligations. 

Please help me. Calling Paypal takes 2 hours of hold time nly to be told I have to wait. This is hurting people!
Product: Checking or savings account

On XX/XX/XXXX I transferred XXXX to my Bank of America account XXXX. I made an error. I should have transferred XXXX. Subsequently, four items including one for {$5.00} dollars put my account into an overdrawn state. Aside from the error, I have repeatedly asked BOA not to pay out if there insufficient funds. I was charged {$140.00} dollars. I would like the total amount returned to my account-it clearly was an error.
Product: Mortgage

NewRez mortgage company has mishandled our escrow account. Our XX/XX/XXXX taxes have gone unpaid as well as our XX/XX/XXXX hazard homeowners insurance. We spoke to the company over the phone in XX/XX/XXXX. We noticed that our taxes had drastically increased and wanted to ask about the process of increasing our escrow balance and how our monthly mortgage may be affected. They informed us that they would make the payments and contact us when we needed to adjust our rates. In XX/XX/XXXX we noticed our taxes had not been paid and once again called them to ask why it had gone unpaid. They asked us to forward our property tax bill, which we did in an email, and then told us all would be handled. In XX/XX/XXXX not only did we receive a final notice on our property tax but a notice that our homeowners insurance has also gone unpaid. XX/XX/XXXX we called the company. The automated system informed us that a payment did get made to the insurance company. Once we were speaking to someone they informed us that no payment was shown on their end on either the insurance or the taxes. Our taxes due in XX/XX/XXXX were {$4800.00} due to it going unpaid they are now {$5200.00}. We now owe an extra {$370.00} due to their inability to handle our account properly. They once again asked for our tax bill which we had already sent them. They should have full access to the property tax bill and we should not have to go to these lengths to pay our bills. Our insurance goes unpaid at {$2700.00}. We only have XXXX in our escrow at the moment. We are now short XXXX in order to pay our taxes and insurance in full. We reached out months ago in order to prepare financially for this and were taken care of by incompetent people. There is no reason this should have gone unpaid and become a burden on our family.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX, XXXX XXXX A XXXX XXXX, MS,XXXX  Investigation Request Letter Date of Birth : XXXX, XXXX, XXXX  SS # : XXXX To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of, which made me write to you all.Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want those accounts deleted because they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. 
Procedures in case of disputed accuracy. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), and 1681i ( a ) ( 1 ) ( C ) covers the general investigation overview, the extension of the period to reinvestigate, and the limitations on extension of the period to investigate, while 1681i ( a ) ( 2 ) covers the promptness in how the bureaus must handle the notifications. 1681i ( a ) ( 3 ) covers if and how the bureaus can determine if a dispute is frivolous or irrelevant, all the way to 1681i ( f ) ( 3 ) where it governs how a CRA notifies a consumer through a reseller and others who furnish third party disputes free of charge, etc. Please investigate the following accounts and remove them for not authorizing my personal information to be verified. 
I demand the following accounts be verified or removed immediately. 
Name of Account : XXXX XXXX Account Number : XXXX Action Requested : Cancel Contract. Please provide the original contract or delete. Victim of Identity Theft. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instuctions.

Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed. I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file. I want the investigation outcome to be sent to my address I put on the from area. 


Thank you, XXXX XXXX XXXX XXXX
Product: Debt collection

My identity was used in XX/XX/2019 to purchase store credit cards from ( at least ) four companies [ XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. ] The product that was shipped to me was returned to the stores, refunds were given, credit bureaus notified, and a police report filed [ Delaware XXXX. ] Two Banks [ Fortiva XXXX XXXX XXXX XXXX Georgia, and XXXX XXXX XXXX XXXX Ohio ] have ignored all communications in regard to the fraud and continue to harass me for charges that are not mine. Last week XXXX began a ruthless phone campaign against my wife ( who has nothing to do with this issue ) and started calling her cell phone five to ten times a DAY.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
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 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: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX NAME : 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 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 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 Equifax 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I brought a home an informed the property manager that I would I had a closing date. But unfortunately I didnt close on that date but I had allowed for this because I give myself time to move without pressure. So I closed on XXXX. XXXX on my new home. I paid a company to clean to inside I have to pictures and my receipt. I use the yard man they referred to me because my yard man couldnt get there in time and he said his fee was XXXX dollars. He came by the house an picked up the check I have the text messages of that conversation also. The next time I spoke with XXXX I was asking for the receipt for the work he had done which I had never received. Now am waiting for my deposit to come back from the house, I never heard anything from them. They told me they had up to 30 day to return my funds. So the next thing I know 30 days have come and gone. No funds or information concerning or funds it was given or explained until I called demanding an explanation and calling supervisors. The next thing I know I get a letter stating I owe them money in the amount of XXXX. Now that said that they had to clean the house, mow the yard, which included getting the limbs off the roof blowing off the roof, now if thats not over kill, not too mention they charged me for light bulbs for led light, when I moved into that home they only had regular light bulbs but I chose to put LED bulbs into the light to cut down on my bill because am an XXXX XXXX by trade. Now to go on further I got notice that I was to leave the premises on the outside in better condition then I received it. I updated and replaced had manicure that yard because the snakes were running me off. I was I. A wheelchair and the snakes were tremendous. I had too have brushes cut and taken out. Now what they said I didnt trim the hedges when I moved out but what they consider the hedges with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They dont know about the upkeep of whats on the property an its entirely. Now the law states if my explanation is not given to me within 30 days or my deposit they have to pay restitution. Now I believe this is something that do all the time because if they did it too me a XXXX XXXX which also is a XXXX  XXXX, you know they really take advantage of young people. You should look into their practices very closely. Blowing of roofs, wait until you see these pictures of which is not clean which they have to re clean the house and re cut the glass. They are straight out breaking the law and should be face the penalty that go along with that. I XXXX  my county and did my time but right is right and wrong is wrong and when did wrong we had to paid the cost and so should they. No one is above the law. I also failed to tell you that the XXXX after I talk to him never cashed the check that I gave him so in other words, he played it with the people at XXXX, XXXX I thought talk to him and never cashed the check I will send you the copy of the bill, my telephone bill the text after I talk to him
Product: Bank account or service

Someone open up a merchant account ( credit card processing ) at Chase bank in my companies name. They stole my business identity and my personal identity
Product: Debt collection

I never applied for nor opened any credit account with JP Morgan Chase or any of its affiliates. This is NOT an authorized account. 

Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and the credit bureaus continue to report this item on my reports. 

Please remove these fraudulent accounts from ALL credit reporting agency reports IMMEDIATELY. 

Attached : Proof of Fraud reports ( including Chase e-mail ) Proof of Police Reports Self Identification
Product: Credit reporting, credit repair services, or other personal consumer reports

I have specifically asked XXXX, Equifax, and XXXX  to delete all information that is not correct. I have requested that they only have my legal name ( XXXX XXXX ) my legal address ( XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX ) and my legal date of birth ( XX/XX/1981 ) There seems to be multiple different names, and addresses on my credit report. 
They have not removed them, and is not legal to have the incorrect information. Thank you for taking care of this. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It's been more than 30 days, and Equifax hasn't responded to my inquiry. They're supposed to follow up on investigations, and them not doing so breaks the law. Ignoring my request is a violation, and I need them to take this item off my credit report.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I called the fraud department at transunion credit bureau and address the following issues whic was unauthorized inquiries on my credit report
Product: Mortgage

It is impossible to contact Rushmore loan management. They falsely told me I was eligible for a covid related forbearance extension then I was told I was not eligible. Rushmore offered a trial modification and the payments were too high. In the letter included with the trial offer, it states to call if the payment is too high but you want to remain in your home. I have left voicemails and do not get calls returned. The company does not have an email address. I have email addresses of a few employees and emails are not answered. Their chat feature on their website does not work. There is zero communication.
Product: Credit reporting or other personal consumer reports

Hi, recently I find that I have lots of inquiries for the year of XXXX, XXXX that I dont recognize. Can you guys help of removing those of my report thank you.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1. Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation. 
2. Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law. 
3. Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 
Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX XXXX XXXXXXXX XXXX ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 
Demand for Immediate Action I demand the following actions, without delay : 1. Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2. Provide a comprehensive written explanation detailing your investigation process and results.

3. Permanently remove or block all inaccurate information associated with my identity theft. 
Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXX XXXXXXXX