23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am the personal representative of my mother 's estate. After she passed, my brother decided to move into her home ( ie make it his primary residence ) and take over the mortgage payments. From my understanding of the XXXX XXXX XXXX XXXX XXXX of 1982, my brother, who meets all of the definitions of a an immediate family member, and meets the primary residence requirement, is able to take over the loan without qualifying, refinancing, or changing the name on the deed from our mother 's name to his name. 

However, I continue to get harassing phone calls from the Ocwen servicers asking for me to change the loan over to my brother. I have provided updated contact information, and my brother has been up-to-date on all mortgage payments. I would like the phone calls to me, especially during work hours to stop.
Product: Debt collection

I was contacted by LVNV Funding LLC in regards to a XXXX XXXX account via telephone and via email. I gave a verbal cease and desist on two occasions over the phone as well as a written one on XX/XX/2020, XXXX XXXX. I was contacted again after written request on XX/XX/2020, XXXX XXXX. 

I have asked very politely for the emails and calls to stop. The tactics used over the phone are harassing and very unsettling. I compare their demeanor to that of a school yard bully. The communication via email has been professional. 

I am only reaching out for help as a last resort. I have hand written documentation as well as a copy of the email communication. 

Please hold this creditor accountable for their blatant violation of FDCPA guidelines.
Product: Checking or savings account

I'm trying to link my PNC checking ( spend ) account to my XXXX investing account so that funds are available to invest. When I try to link the account, I receive a message that PNC has made changes that prevents this type of activity and that I should file a complaint with CFPB. I also called PNC about this problem and they offered no solution. I tried to link these accounts multiple times on XX/XX/20 and XX/XX/20.
Product: Debt collection

CMRE was asked to verify collection accounts that they were reporting on my credit report. I was trying to validate if the debt was correct and if it should be included in my bankruptcy which was already discharged. When I requested validation they sent ALL my medical records attached to each of the reported debts as validation of debt. This is a clear violation of my HIPPA rights as I NEVER signed a HIPPA release form allowing any third party collection agency to have access to my medical records. As a violation of HIPPA they are required to stop reporting this debt. They have not and continue to send me copies of my personal medical records. I told CRME that they were violating my HIPPA rights and that I wanted they to stop reporting debt or I would sue. They followed up by sending additional HIPPA violation data in an attempt to validate debt. Debt that may or may not be included in discharged bankruptcy.
Product: Credit reporting or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MO XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$91000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$78000.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MO XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX CPSXXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$78000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 just looked last night. I have USPS informed delivery but that's not horribly relevant because the letter dated XX/XX/XXXX. Informed Delivery email states I received this letter onXX/XX/XXXX. For all I know, this law firm held the letter in an attempt to give me less time to respond. 

THIS LAW FIRM AND THIS 24/7 IS SHADY SHADY SHADY. 

If I didn't receive this letter until XX/XX/XXXX, assuming due to the heavy USPS mail activity during XXXX time, TECHNICALLY I had until XX/XX/XXXX to respond. I responded well within this time frame. 

That being said, this law firm filed a court case on XX/XX/XXXX. This is not even 30 days from the date of the letter, much less when I actually received it on XX/XX/XXXX. The letter ( as well as the law without letter ) requires a 30-day response from me. This letter even STATES this. 

Unfortunately, you will have to cancel this illegal court case because you are SHADY AS XXXX  and didn't follow the law. You filed on XX/XX/XXXX, NOT GIVING ME THE REQUIRED BY LAW 30 DAYS TO RESPOND OR LONGER. 

Even if this SHADY law firm is XXXX XXXX XXXX XXXX, all I have to do is send an attorney to the court hearing and say this was WELL UNDER 30 days and they will have no choice but to throw this case out. 

I love how this attorney THINKS they are above the law but they clearly are not. Where did they get their law degree. XXXX XXXX XXXX? 

As mentioned in another CFPB complaint, I will be happy to pay {$100.00} or even more to this client WITHOUT FURTHER INTEREST OR ANY ATTORNEY 'S FEES associated with this. If you want to fight it out in court, YOU WILL GET NOTHING. If you want to follow the law, that's fine, I can start paying on this at {$100.00} or more per month starting XX/XX/XXXX. 

I believe the balance I would like to pay on with XXXX INTEREST OR ATTORNEY 'S fees should be around {$1000.00} or {$1000.00} from the time I stopped paying on this account. 

STOP BEING SHADY, YOU AND YOUR TWO-BIT ATTORNEY and you'll start getting monthly payments regarding my account. 

If I have to show up or get served in court due to this court case, I will counter-sue this firm for monetary damages and time wasted. 

CFPB : PLEASE SHUT THESE PAYDAY LOAN COMPANIES DOWN. THEY ARE CHARGING HORRIBLE FEES AND INTEREST AND I WANT THIS COMPLAINT IN YOUR DATABASE PERMANENTLY, HOPING YOU GET MORE LIKE MINE and SHUT THEM DOWN EVENTUALLY FOR USUERY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Credit reporting or other personal consumer reports

XXXX. On XX/XX/XXXX by XXXX, amount of {$8200.00} an account was unauthorized and opened up in my name without consent I am a victim of fraud and Identity theft. I do not own this account was placed on my credit report. 

XXXX XXXX XXXX  Account : Amount of {$1100.00} By XXXX XXXX account was unauthorized and opened up in my name without consent I am a victim of fraud and Identity theft. I do not own this account was placed on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX  Unauthorized inquiry made
Product: Debt collection

i was on the phone with capital one and told them i will have to money available to pay the credit card off in a week to which therefore they still sent me a notice saying i had not paid them and then sent another notice and phone call i had not paid them when it wasn't a week yet to pay them back.
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 1681b ( a ) ( 3 ) ( 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 XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc.  resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information and Unlawful Actions by XXXX XXXX  XX/XX/XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX  regarding their persistent reporting of inaccurate information on my credit report and illegal activity with my XXXX XXXX  account XXXX XXXX Despite having previously disputed these inaccuracies with XXXX XXXX  directly, as acknowledged in their email dated XX/XX/XXXX, the errors persist, and the bank has engaged in additional unlawful activities. 

On reviewing my account statements for XXXX and XX/XX/XXXX, I discovered that XXXX XXXX  has erased these statements from my account, a clear violation of my rights and illegal under the Fair Credit Reporting Act ( FCRA ). This obstructs my ability to monitor my financial transactions and is unacceptable. 

Moreover, XXXX XXXX  is reporting a XXXX missed payment in XXXX and a XXXX missed payment in XXXX, both of which are inaccuracies. I have evidence of a payment of {$2100.00} made in XXXX and {$370.00} made in XXXX. It is clear that XXXX XXXX  has failed to update their records accurately and is misrepresenting my payment history. 

Furthermore, XXXX XXXX  erroneously charged off my account in XX/XX/XXXX, even though payments were being made. According to the law, a charge-off can only occur after XXXX  days of non-payment. XXXX XXXX XXXX premature charge-off is not only a violation of my rights but also indicative of their disregard for legal and ethical standards. 

In light of these egregious actions, I am including evidence of these illegal transactions and demand compensation of {$1000.00} for each illegal transaction committed. I also insist that XXXX XXXX  rectify the inaccurate reporting on my credit report, updating the account to " paid as agreed in full with no late payments. '' If XXXX XXXX  is unable to correct this information, I request the immediate removal of the account from my credit report. 

I trust that the Consumer Financial Protection Bureau will investigate this matter thoroughly and take appropriate action against XXXX XXXX  for their violations. I appreciate your prompt attention to this issue and look forward to a resolution that upholds consumer rights. 

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

Bank of America is incorrectly showing an account as having a late payment for XX/XX/year>, and falsely sending that to the credit reporting agencies. This is in violation of the FCRA. This account has always been on AutoPay and has never been late. Since XXXX, I have reported this to the bank and it's going on 4 months now that they are not taking action, not returning calls, and not correctly the issue. They have even closed CFPB complaints saying that they issue is resolved, but then privately emailing me and saying they are still researching. This has cost me approximately {$10000.00} in increased costs due to higher loan rates tied to a lower credit score, that was only affected by this false information from the bank. Bank of America should cover any of these expenses.
Product: Debt collection

After examining my credit report, I've observed inaccuracies and indications of fraudulent activity within the listed accounts. I am deeply dissatisfied with this finding and demand the immediate removal of these inaccurate accounts.
Product: Credit reporting or other personal consumer reports

CREDIT BUREAU REPORTING INACCURATE INFORMATION TO MY CREDIT PROFILE. ACCORDING TO THE FCRA THIS IS A VIOLATION
Product: Credit reporting or other personal consumer reports

This is my 3rd Request in investigating Late Payments for TransUnion. I have also requested my address to be updated. I have also call no answer. I have not received any updates. It has been more than 90 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 tried to access my credit report on XXXX Got a message that they were unable to deliver my credit report online. NO reason given
Product: Credit card or prepaid card

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.
Product: Debt collection

EOS CCA has listed a debt of ~ {$490.00} for " ATT MOBILITY '' on my credit report and refuses to validate my debt and will not remove the record. 

Specifically they say my last payment was on XX/XX/XXXX and is schedule to continue on record until XX/XX/XXXX. It is currently registered with XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Debt collection

Rcv 'd call on XXXX/XXXX/XXXX on cell from XXXX at XXXX with no company name. Only an case #. She also stated made that they made several attempts to reach us, but we have no record of any previous calls. When we got home, there was a message on the answering machine @ XXXX from same lady stating she was employed by ARA and the same info as above, that a immediate response was necessary or a final decision will be made that evening. I requested info in writing as I have no knowledge of owing any debt whatsoever to XXXX XXXX Bank, the name of which she gave when I talked to her. She was very aggressive when I spoke to her and I ended the call. A letter was received from ARA, on XXXX/XXXX/XXXX, dated XXXX/XXXX/XXXX, demanding payment of a very, very large debt we know nothing about. I pulled my credit report from XXXX different bureaus and there is not a reference to any such debt. I also went to our local bank with this information and they said it was probably a scam. I have not now nor ever had an account with XXXX XXXX Bank, who, by the way, ceased operations in XXXX under that name, per the internet and our local bank. I have sent a letter of dispute to ARA, XXXX to their XXXX XXXX XXXX and a street address obtained by XXXX them. This letter requests proof of debt being mine by way of a copy of original loan documents with my signature. These letters were sent registered, return receipt requested, upon the advise of CFPB. who were very gracious in helping my wife.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) and to highlight specific inaccuracies in how GSBANK has reported my account to the credit bureaus XXXX and XXXX. These actions breach FCRA sections 623 ( a ) ( 1 ) ( A ) and 623 ( b ), which require accurate reporting of information and reasonable investigation of disputes. There are several inconsistencies in the reporting of this account, including payment dates, last active dates, and dates being reported. Moreover, the account status was not updated to reflect the payment accurately, as required under FCRA Section 623 ( a ) ( 1 ) ( A ), which mandates that information provided to credit bureaus be accurate and truthful. GSBANK has also reported inconsistent and inaccurate information to XXXX and XXXX regarding this account. Specifically, the date " Last Active '' is being reported as XX/XX/XXXX on XXXX, and XX/XX/XXXX on XXXX. Additionally, XXXX reports an " Last Payment '' date of XX/XX/XXXX, while XXXX reports a " Last Payment '' date of XX/XX/XXXX. XXXX has removed the account described, which further proves that XXXX XXXX XXXX have not completed an accurate investigation into this matter. Despite multiple disputes, both credit bureaus continue to report this inaccurate information, indicating GSBANK has failed to fulfill its obligations under FCRA Section 623 ( b ), which requires a reasonable investigation of disputes and the correction of errors. These actions have caused significant harm to my financial well-being and creditworthiness. The inaccurate and unfair reporting on my credit profile directly impacts my ability to access financial opportunities and has created unnecessary stress. As a consumer, I have the right under FCRA to dispute any inaccuracies on my credit report and expect them to be corrected.
Product: Mortgage

My insurance has been cancelled for my home as of XXXX XXXX. It is supposed to be paid by escrow. It was originally due XX/XX/2020. I have spoken with and have sent muliple emials to escrow. My insurance company has spoken with them. Escrow tells me that they need the correct policy information, but they will not tell me what it is. They say they have told XXXX, but after speaking with XXXX, they in fact do not know. They refuse to tell anybody what it is that they need. {$490.00} is currently owed. {$480.00} for the insurance and {$10.00} for the late fee. I have paid all of my mortgage payments with this company and they are up to date. I have provided them with a copy of my marriage license because my maiden name is still on the loan, I have provided them with a copy of the letter stating the XXXX address change, and I informed them by phone that there is a new policy number due to the fact that this property is now a rental. We moved into a home we inherited and my stepchild moved into the property in question.. This same situation happened last year and my insurance didn't end up getting paid until XXXX of this year for last year. I sent my marriage license over when the last invoice was due. It was supposed to be taken care of then. Here we are again. I can't get through to anybody who is willing to help me and they are refusing to pay my insurance with my money!