23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

First of all, every call comes up as scam likely. When I get a voicemail, it's from " XXXX '' and she says she needs to speak with me about something involving collateral. I have absolutely no collateral! I checked my credit report with different credit bureaus, none of them have any record of me being linked to the company " XXXX '' claims to be from. I have never gotten an email or snail mail notice from this company. The voicemails always say a " matter '' and are NEVER detailed. I have gotten calls from legitimate debt collectors who always provide necessary detail. The cherry on top is that every single time it is a different number calling me, and the number they leave as a call back number is different too! Please leave me alone, I'm tired of the scam.
Product: Prepaid card

I ca n't bring up any of my account money or Rush Goals have my money. I 'm waiting on {$200.00} to be released. Rushcard has been horrible with fixing this information
Product: Checking or savings account

PayPal has permanently restricted my account, and I've exhausted all possible solutions and submitted all required documentation, but they've stated that their decision is final. 

I only use a Paypal account to withdraw my earnings from my XXXX tutorial job. 
However, after a month of use, I received an email stating that my account had been permanently restricted due to the User Agreement Policy. 


I reviewed their Agreement and believe I did not violate any of them. All I do is withdraw my earnings from XXXX and they are automatically credited to my PayPal account. 

I am convinced that they have mistakenly limited my account. 

I'm hoping for a positive response from you. 

Thank you very much. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit agency is : Experian I tried to log into my account to temporarily lift the credit freeze but even after providing my DOB and SSN, they kept saying that they dont have a match!! Ridiculous!! Then I called their ( no ) customer service number. OMG!! They simple will not allow you to talk to a human being. This is TOTALLY unacceptable. Please issue regulations to FORCE these abusers like Experian to make sure that their consumers like me can talk to a human rep, not a BOT!! They really should not be allowed to operate a business like this if they do not allow consumers to talk to their agents. I need someone from Experian to contact me and resolve the issue.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I paid the credit card company verve a {$210.00} payment back in XXXX. They didnt credit it my account until XXXX. As they were investigating where my payment went even with proof from my bank account ( XXXX  XXXX ) that they indeed took the payment out. As result of the very length investigation my account has been closed an my credit has been effected fraudulent report from them. Since the error Ive still made my payment an should have no.
Product: Debt collection

ATTENTION DISPUTE DEPARTMENT XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXXXXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

I contacted Phoenix Financial Services as soon as I received a collection on my credit report. During this phone call, I requested the original medical bill to give to my insurance company and clear the debt owed. I've called them seven times since then, wondering where this information is. I have not received it, so I can not clear my credit. They keep telling me they shipped it. I keep getting a supervisor on the phone who is more concerned with giving me attitude and false information than resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to LexisNexis Several times and also had my attorny send them notice about an alleged bankruptcy reporting on my file. Ive asked them multiple times for proof and they have none with is a FCRA violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent off letters to XXXX, XXXX, and TransUnion to remove inaccurate personal information that doesn't belong on my credit report. FCRA 15 U.S.C. 1681 states I have the right to privacy, accuracy, and fairness. Also, 15 U.S.C. 6802 states that a financial institution may not share my information to third party people. These are clear violations of my federally protected consumer rights. 

Below are my tracking numbers as well as the inaccurate names, addresses and employers information on my report. Please see the correct current name, addresses that are to be reported. 


Tracking Number XXXX Tracking Number XXXX Tracking Number XXXX Correct spelling of my name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX. XXXX, TX XXXX Incorrect Names : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX  Incorrect XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, Incorrect Employers : XXXX XXXX XXXX and XXXX XXXX XXXXXXXX & XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX # XXXX, XXXX XXXX- {$1400.00}, XXXX- {$2900.00}, XXXX- {$640.00}, XXXX XXXX- {$330.00}, XXXX- {$350.00}, 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

This is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that my claim is disputed and validation is requested. 
This a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any late payments or ownership of the following account number : XXXX Please provide me with : 1. What the money was owed 2. A detailed explanation of how you calculated any late payments.

3. Copies of any and all papers that prove I agreed to pay what you say I owe.

4. A verification or copy of any judgment, if applicable.

5. The identity, name, and address of the original creditor.

6. Proof that the Statute of Limitations has not expired on this account.
Product: Debt collection

On XX/XX/year> I received a text message from XXXX stating " PFC, a debt collector : Your notice regarding XXXX XXXX XXXX XXXX. Password is 5 digit XXXX XXXX  Reply STOP to end. I have no knowledge of a debt. When opened I called the phone number and was told " we have ahigh volume of calls. '' I was on hold for over 30 minutes. I need IMMEDIATE verification of the debt, all signed documents by me, all services provided and MY contract with PFC as I have no knowledge of who they are what they do and I have not entered into any contract with them. My current mailing address is attached to this complaint. PFC is to only contact me via US Mail. Not Text or Call.
Product: Mortgage

My husband and I refinanced our home in XX/XX/XXXX through a broker, Residential Mortgage Solutions , Inc. ( RMS ) out of XXXX, MD. 

In XX/XX/XXXX our new lender, XXXX XXXX, sent us a letter stating that after performing an escrow analysis they found we have a {$700.00} shortage. This came as a huge surprise since both our property taxes and our homeowners ' insurance have reduced. If anything, we should have had excess. 

After reaching out to XXXX, and getting no satisfactory answers for months, eventually getting no return phone calls I threatened to reach out to the CFPB. Only after that did XXXX XXXX, owner of RMS, contact me again. 

He eventually sent us a check for {$300.00}. This was his offering to " split the difference '' of our {$700.00} shortage. This seemed to be odd business practice and raised a red flag to me. 

Meanwhile, during my research into finding our lost money through the title agency, our county tax collector and our previous lender XXXX XXXX XXXX XXXX XXXX XXXX, I learned we were actually shorted {$2300.00} from RMS. This amount represents our 4th quarter taxes and insurance, which unbeknownst to us at the time, we had already paid two days prior to closing through automatic withdrawal. Meanwhile, XXXX XXXX insisted his company ( RMS ) paid. 

While XXXX XXXXXXXX XXXX did send in a check for {$1800.00} to our county for taxes it was returned to them, since we already paid. ( see attached documents ) We signed a promissory note to RMS for {$2300.00} during the closing. This was to be for them for a " lender advance '' to alleviate a financial burden caused by the {$2300.00} plus our monthly mortgage payment of {$1800.00}. We would repay once we received our refund from XXXX. This never happened though since we already paid our own 4th quarter and did not need the " lender advance '. 

I emailed XXXX XXXX all the documents I gathered proving the above and in XX/XX/XXXX he mailed us a check for {$1400.00}. However, XXXX XXXX mistakenly deducted {$620.00} from the {$2300.00} since that is the refund we received from XXXX. We were owed that amount in full. That {$620.00} was our excess funds in our XXXX. account and should've remained our money. 

After pointing out his error multiple times XXXX XXXX is no longer communicating with me. I have been quite patient throughout this long ordeal putting up with XXXX XXXX brusque responses and I respectfully request your assistance in getting reimbursed our {$620.00} to make us whole. I thank you Kindly for your consideration.
Product: Debt collection

This account was removed from my credit reports and reinserted without proper notification. This is violation with the FCRA und er 15 U.S. Code 1681i. ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures  designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i )
Product: Mortgage

We fell behind on our mortgage, we received letters from our lender, we filed modification docs. Lender replied we didn't qualify. We contacted XXXX XXXX XXXX XXXX to file a chapter XXXX bankruptcy. we met with XXXX XXXX and explained our hardships and situation regarding health I got an XX/XX/XXXXmy wife recovering from XXXX, diagnosed with clinical XXXX we both lost our jobs. we could only pay 75 % of the retainer fee. XXXX XXXX agreed and replied no worries your in good hands and well get the court to pay the rest. our home was set for sale on XX/XX/XXXX. we hired XXXXXX/XX/XXXX in XXXX. we signed the retainer and where relieved, the explanation given was the courts will lend you the money to pay lender and then you pay the courts. Time passed we kept asking what he needed from us he would reply not to worry hes taking care of it we have plenty of time. we kept asking for court docs. he kept saying not to worry. Well our house was sold on XXXX XXXX, XXXX. We spoke to XXXX to fix it. Nothing it is what it is he replied. Then he has the nerve to say that he could help recover the surplus funds. And wanted us to sign a retainer. We hired a lawyer to stop eviction and to file wrongful foreclosure suit and we have until the XXXX of XXXX XXXX to get out and the lawyer did not do as requested to give notice of a lawsuit pending. And we can't find the lawyer fir the lawsuit they don't answer our call texts or emails. And to top it off we where diagnosed with XXXX, and the judge gave the order to evict by lockout. On a good note I've been doing my research and found that we have a lot of forged documents from our mortgage loan. and realtor agent. And I m looking at the court docs. For they look like they are too. We are at the mercy of human kindness at this point because we are going to be homeless myself and my wife and my XXXX children. Some help please.
Product: Debt collection

This is the law for the complaint I filed ******** 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code ( a ) IN GENERALSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or 18 U.S. Code 1028A - Aggravated identity theft U.S. Code ( a ) OFFENSES. ( 1 ) IN GENERAL. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. ( 2 ) TERRORISM OFFENSE. Whoever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of XXXX  of 5 years. ***************************************** THESE ARE THE NEGATIVE ACCOUNT THAT ARE IN QUESTION Collection Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Midland credit management for {$1400.00}. They have been harassing me for sometime. They filed a lawsuit in XXXX, but I live in XXXX. They have inaccurate information on me and I dont know how to get them removed from my credit. Ive filed several disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting late charges on accounts that are closed and r paid. XXXX XXXX XXXX XXXX I paid them off half deal they made with me XXXX XXXX 6 years old account that is closed saying Iam late the XXXX  office has been giving me problems since I started fixing my credit. They dont like people on disibility its not my problem but discrimination is!!!
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX and remove it. 
XXXX  Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXXate of Inquiry XX/XX/2022, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of XXXX XX/XX/2022XXXX XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/2022 & XXXX XXXX XXXX Date of Inquiry XX/XX/2022
Product: Credit card

I got a letter in the mail saying that after careful consideration it was decided that my credit card account was being closed because of my association with a chase credit card, deposit or investment account that was previously closed. I do not have any other accounts with chase that could have been closed or any association. On the letter it says if you have questions to call the number provided. When I called the number they said they could not tell me reason that my card account was being closed. I asked if I could speak to someone else that could tell me and the operator told me that no one else would be able to tell me either. I have not been late on any payments and am really confused. If I did something wrong Id like to know so I can make sure to not do the same thing in the future, but I have no idea why they are canceling my card and can not get an explanation. Im a little worried that this is somehow a scam because it doesnt really make any sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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: Credit reporting, credit repair services, or other personal consumer reports

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XX/XX/XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports.

On XX/XX/XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports.

On XX/XX/XXXX, XXXX add a hard inquiry on my credit reports.
Product: Student loan

I have been receiving several calls from XXXX at all times, meaning from early am to late pm. They have been harassing my family and friends with personal about me, my place of work, etc. The person that has been harassing all the time is XXXX XXXX, the phone numbers are XXXX ; XXXX. She call me at my work and I have told her that she ca n't call me at my work and she has been continued to do it. I have n't received yet any communication via letter to know who they are. The only thing I know is because I search the telephone number to know who they are. My student loan was at my know with PHEAA, and I have n't received a letter from them in a long time. I want to renegotiate the debt but first I want to know to who I 'm going to give the money. Without a formal letter that let me know who has my loan I ca n't give a payment.