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

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXXXX/XX/XXXXAccount # : XXXX XX/XX/XXXXAccount # : XXXXXX/XX/XXXXAccount # : XXXX XX/XX/XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

Portfolio recovery associates has contacted me stating that they purchased this account ( XXXX ) on XX/XX/2018 from XXXX XXXX. I did not authorize this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. SOMEONE HAS STOLEN MY IDENTITY AND HAVE CAUSED ME A LOT OF EMOTIONAL DISTRESS. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS AND REMOVE THEM FROM MY CREDIT.
Product: Payday loan, title loan, or personal loan

I was discussing a potential solar project with XXXX and they said they use Goodleap as their financing provider. I ended up deciding to use a different solar installer and never proceeded with XXXX, but Goodleap still proceeded to open an invalid loan in my name.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Received a loan for a used vehicle at XXXX XXXX XXXX in XXXX, IL. Since XX/XX/2017, XXXX XXXX XXXX have been reporting incorrectly to the credit bureaus. Since XX/XX/2017 they have consistently been claiming my car payments are late each month, some even by 60 to 90 days. These are inconsistent to what is factual. I pay weekly and even pay extra each week. I have spoken to them on this matter and they keep telling me they will call me and I have yet to receive a call from their manager.
Product: Credit reporting or other personal consumer reports

XXXX data-breach exposed all my personal information and someone used it to open the accounts listed on my FTC ID Theft reports
Product: Credit card or prepaid card

Several months ago, I completed a large sum balance transfer to a Bank of America credit card to receive a 0 % APR on the amount. I have continued to minimally use the credit card for other purchases. The bills/statements provide no clarity to the amount necessary to pay to avoid interest on the regular purchases, while fully benefitting from a longer timeline to pay off the transfer sum. I understand that minimum payment due is applied to lowest interest rate balances first, so therefore my balance transfer amount, but that payments exceeding that amount should pay off higher interest amounts ( current/new purchases. ) To avoid an interest charge on these new purchases, I called Bank of America and asked for the exact amount to pay that would result in {$0.00} in interest on my next closing statement. After receiving that amount from the representative, I made the payment that same day, with even XXXX {$10.00} more than the amount stated necessary to avoid interest charges. Despite this, I received the current statement and was charged {$11.00} in interest on purchases. I then called Bank of America directly and was told that if you make any purchase while having a promotional offer, you are subject to interest on the interest bearing purchases, regardless of payment amount and this remains in-effect for 2 billing cycles. This was not stated when completing the balance transfer and is very misleading. It ultimately penalizes a consumer for using their card while trying to benefit from a promotional offer.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 ( XXXX time ), I made a transaction with this " seller '' on XXXX using PayPal in order to purchase a digital good. As seen in the screenshots from my phone, you can tell that the seller scammed me and blocked me after I had sent him the money. Fortunately, I sent the money as goods and services on PayPal, therefore I was able to open a dispute on the transaction in order to get my money back. I honestly had no idea he was a scammer, all I wanted to do was to purchase a digital good. So after opening a dispute and working with PayPal to get my money back, PayPal sent me an email 7 days after on XX/XX/2021, saying I can no longer do business with PayPal as they have permanently limited my account because they found a " potential risk '' associated with it. At that time, my case on PayPal was still open, and I did not know why my account had been permanently limited. I sent a message to PayPal on their Message Center the same day asking for the reason because I knew for sure my intention was never to put my account at risk. But because they did not get back to me early so I decided to call them. The call was only 7 minutes, I talked to a PayPal agent and asked him for a specific reason, but he kept on saying that PayPal could not give me one because of their policy. I am the account owner and I think I deserve the right to know what happened and why my account was a potential risk. However, I still could not get a reason during the call. I then decided to wait for PayPal to get back to me through the Message Center. On XX/XX/2021, PayPal got back to me saying their decision was final ( as shown in the screenshot ) and still, I did not get a specific reason. I only know that PayPal consider my account involved in possible fraudulent or high risk behavior, but I have never once meant to do any of those. As for the dispute, PayPal says that I am refunded and the money will be transferred to my bank account, but I still have not received anything, I guess it is because PayPal is holding it up to 180 days.
Product: Mortgage

I have been experiencing great difficulty paying my mortgage due to JP Chase Home Finance Mortgage increasing my loan amount and increasing my mortgage payments. I am unable to refinance, sell the home and do anything. I am also having a very hard time paying the mortgage I pay the mortgage to not mess my credit up. Unfortunately I may be loosing my job very soon and I want to clear this matter up now before I go into foreclosure. I reached out to JP Chase Home Mortgage to come up with a resolution and Chase only offered me another Loan modification. At this point I believe its pointless to obtain a new Loan Modification especially since, the previous one put me in a hole. Note : I do n't mind if CFPB publishes this issue however please refrain from publishing my loan account information, loan number, address, name, social security numbers, basically anything personal pertaining to me and my home.
Product: Mortgage

I have requested for the removal of my property mortgage insurance ( PMI ) from my mortgage ( lender ) for the past three years. I have put the request in writing both in email form as well as mailing a certified letter with confirmation signature of receiving. My first request dating back to XX/XX/XXXX and the latest on XXXX XXXX. 
On XX/XX/XXXX I was advised by customer service to submit the request to supervisor XXXX XXXX, and to include her manager XXXX. I received a follow up email from XXXX stating " The MIP will automatically be terminated by HUD. We have attached the document & highlighted the termination date. Have a beautiful day ''. 
I tried calling XXXX to discuss her email and instead I received a follow up email stating " Please see the attached Servicing Disclosure Statement wherein it states that we may assign, sell or transfer the servicing of your loan. I have also attached a copy of the XXXX XXXX requirement wherein the MIP Insurance must remain on each individual loan. As we have stated previously the MIP will be automatically terminated and there is nothing further we can do at this time ''. 
My loan is a FHA 30 year loan. Not only does the information XXXX has sent does not apply to my request or mortgage closing disclosure documents, the attachment XXXX sent is a falsified signature document dating back three months before the closing date. According to my mortgage contract signed on XX/XX/XXXX is as follows ; FHA LOAN 30 year If mortgage was Originated prior to XX/XX/XXXX 1. The loan has to reach 78 % loan-to-value from the last known value of the home and not its current appraised value. ( The " last known value '' is the value of the home at the date of purchase ; the last time the home was FHA-appraised. ) 2. Annual MIP has been paid for at least 60 months. 

My closing date was on XX/XX/XXXX, and as per my closing documents I can request for removal of PMI once 5 years and/or 80 % LTV. All payments have been made in a timely ( never late ) as well as additional funds towards principal have been made, thus bringing the LTV below 77 %. Again, I have been requesting the removal of the PMI from mortgage and have been given run around. I have left messages for XXXX and XXXX to call me regarding matter but have been ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint as my right under FCRA XXXX and fair credit and billings act have been violated for these XXXX accounts XXXX XXXX XXXX Account number XXXX and XXXX XXXX XXXX Account number XXXX. I am requesting all XXXX credit bureaus to provide full validation and what give them the right to collect on this account? I have made numerous attempts to resolve this issue by certified mail. There are numerous discrepancies on all XXXX bureaus as I see # of months for all XXXX bureaus report to be different. I DO NOT RECOGNIZE. 
Please provide better explanation and proof so I can timely take care of. Additionally, I see this account as having a charge off so the balance is not accurate. As per FRCA law, all information must be accurate, no errors and verifiable. This is lacking in all three areas. 
Please direct the XXXX bureaus to conduct full investigation into this matter and not to use XXXX party vendors to purchase my information which I have opted out of. If they do, please provide the XXXX party vendors so I may contact them to see why they have violated the release of my personal information without my consent and especially when I have opted out.
Product: Money transfer, virtual currency, or money service

Used cashapp  via Square ( XXXX XXXX XXXX ) to attempt to purchase something. Ended up being scammed by user. Have reported to Square with no followup. Have screenshots showing attempt to purchase and no response by user with followup communication blocked. 

Have also further information showing same user attempting to scam other people. 

Was expecting Squares cashapp to be secure and have fraud protection since they are a legit finance company in the US, and also verified identity to setup account.
Product: Money transfer, virtual currency, or money service

I had a Power of Attorney, and XX/XX/XXXX she transferred {$55000.00} from my USAA ACCOUNT to her personal account. I was denied permission from access to see available funds to this account, and I was verbally told by my P.O.A. that I had {$50000.00} in my checking account. I asked USAA in XXXX to do an investigation into the transaction, and I received a notification identifying that the transaction was legal and valid. On XX/XX/XXXX I received a document from my P.O.A. that funds were invested into a Certificate of Deposit Account in her name at XXXX XXXX XXXXXXXX on XX/XX/XXXX for a total of {$53000.00}. I would like funds Transferred legitimately back to the original account of USAA.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Equifax and XXXX are 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. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. '' This account is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting 3rd party services. Which includes the following XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX 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 reporting agency can not furnish a account without my written instructions.
Product: Debt collection

The company responded via CFPB portal and stated they have nothing to do with this debt that is reporting on my credit report. Please remove account XXXX XXXX {$2200.00} from report.Documentation of response from company attached.
Product: Debt collection

A couple weeks I received a voicemail from " Bank of America '' to call with an urgent business matter. I have been in communication with the real BoA so I did call, they stayed I owed {$710.00} and if I didn't pay they'd send me to collections. I told them I had paid. Then I realized it was fraud and hung up. I called the real BoA and they confirmed neither of those calls were from BoA. I blocked the number. I now receive a letter from fake " BoA '' staying that I owe {$710.00}. They want payment to XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX phone # XXXX. I am obviously not going to pay or reply.
Product: Credit card or prepaid card

Company is aware and has shut down the account. Fraud application has been sent. Just wanted to make sure this was acknowledged.
Product: Credit reporting or other personal consumer reports

This is a violation of credit act 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I wrote a letter to Syncom ( Synergetic Communication , Inc ) 2 months ago on XX/XX/year> requesting a validation letter of said collection and they failed to comply within the 30 days time frame required by the credit law. I do not owe this debt and does not belong to me. Syncom has wrongfully reported this debt to the XXXX major credit bureaus ( XXXX, XXXX, XXXX XXXX ), and has failed to comply or proof that said debt allegedly belongs to me they refusing to remove the incorrect debt reporting. Attached you will find the first letter addressed to them requesting to validate alleged said debt. I never received a response from them, and I reached out to them for a second time on XX/XX/year> and in response I received a letter 2 months later indicating see attached as a blank document page again without any supporting documentation. I'm asking to please assist me in resolving this matter as soon as possible. Your help will be greatly appreciated it.
Product: Debt collection

This debt was paid to the original creditor and you have no business continuing to report it as a collections account. In fact, I never had a contractual obligation with this collections company and they are fraudulently claiming I owed them! Please review your records regarding this account, as we have established your bureaus propensity for reporting inaccuracies and remove this item. Immediately.
Product: Debt collection

I was called today by an agent named XXXX XXXX ( she left a voicemail with her name ). When I called back I received someone else and I advised that this was my third request for them to stop contacting me. Their calls are monitored and recorded so they can pull the calls of the other 2 times o requested this. The first XXXX requests were made to an agent AND a supervisor who were both EXTREMELY rude. When I tried to put in a complaint to the supervisor, she interrupted me and said so what is your question because I dont have time for this. I didnt have a question, I was trying to submit my complaint. I told them to stop contacting me and they continued to do so. I have reached out to a lawyer to discuss this matter with them further. I work XXXX XXXX XXXX XXXX XXXX XXXX I generally know the collection tactics, and what is ethical collections and what is not, and Pro Collect is definitely the WORST, unethical company I have ever spoken with. I have tried to settle this debt but they are unwilling to work with what works, I can not afford payments of {$1500.00} a month which is why Ive asked to cease and desist as this is causing me so much stress that it is effecting my health with how much stress I have. I can provide lawyer contact information once the law firm assigns me a lawyer to my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle from XXXX ( XXXX XXXX XXXX XXXX, XXXX SC ) in XXXX. I have had several problems with the vehicle, receiving empty promises for the issues to be fixed. Once I started to file complaints with XXXX, XXXX, etc, XXXX began sharing my credit information falsely, saying I was denied credit.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section XXXX ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX EXPERIAN XXXX XXXX EXPERIAN Here I attach, along with the dispute, my fraud report that I just sent to EXPERIAN for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint against Experian for reporting inaccurate information on the listed accounts below. I believe the bureau is violating Section 611 of the FCRA for reporting false information which is damaging my credit and causing me XXXX XXXX XXXX XXXX. I need EXPERIAN to provide me with verifiable proof or documentation demonstrating that the information they have is accurate. Failure to comply with the request should result in the correction of the items. 

XXXX XXXX XXXXXXXX XXXX, BANK XXXX XXXX XXXX
Product: Debt collection

Capio Partners at ( XXXX ) XXXX and other numbers calls myself and my wife ( ( XXXX ) XXXX ) multiple times a day. Weve told them repeatedly that were not who theyre looking for ( they provided name, birthdate and last 4 of social, is that even legal?! ) but they keep calling. Today I called them back to tell them once again that were the wrong party and they hung up on me. I called back and asked for a supervisor only to be put on hold for several minutes then hung up on again! Im livid. XXXX reviews are nearly universally this same experience. Why are companies like this allowed to relentlessly harass citizens?! Help us!