23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Over 12 years ago, Lowe's/Synchrony Bank , closed my Lowe 's credit card for non-use, I paid the card in full, but they wanted to come back with interest charges, then late fees, etc. I told them and have proof that the debt was paid, except for the " after-the-fact '' interest charges, so I refused to pay the interest charges, so they started tacking on late fees, collection fees, legal fees, put it on my credit report ... it has rolled off my credit report and now I have collection agencies and this " arbitration '' firm, XXXX XXXX XXXX calling me , threatening to take me to court to collect. Calling me at work on my cell phone and threatening to serve me court papers at work, hanging up on me when I try to explain the situation, etc.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To whom this concerns, Good afternoon, my name is XXXX XXXX and I have been looking into my credit a little closer recently and have noticed quite a few items that do not appear right. I have been wondering why I have been getting denied any kind of credit and it has really taken a strain and hardship on my life. Please if you could take a look into this matter for me. I have tried disputing before and no one really seems to care. Thank you for your time. 
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 in the XXXX {$2400.00}. XXXX Account # XXXX in the XXXX {$6900.00}. XXXX Account # XXXX in the XXXX $ {$3800.00}. XXXX Account # XXXX in the XXXX {$1300.00}. Aidvantage and XXXX Has violated my rights. When attending XXXX university I was not notified at the time they there were going out of business in XXXX Ohio. I took a break due to physical XXXX issues and then XXXX XXXX happened and I wanted to return to college to find out the school went out of business. The debt since is almost XXXX XXXX XXXX. So I spoke with XXXX which has now turned over my debt to XXXX XXXX and both parties that I spoke to told me the loan would be XXXX under the debt forgiveness program as a closed college situation and also the 10 year length of time the account has been open. I feel they are purposely trying to hurt my well being and I want this taken care of please. 
15 U.S.C. 16815-2 ( 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.

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 fumish a account without my written instructions
Product: Mortgage

My mortgage was sold to PHH Mortgage from XXXX XXXX XXXX and Im trying to cancel my escrow account. My XXXX on this conventional loan is about 76 %. XXXX says they cant do it because theyre not servicing my loan anymore and PHH Mortgage says they require an escrow account to be established for 12 months before closing the account. PHH mortgage is violating my original loan agreement that doesnt state any limitations on closing an escrow account.
Product: Debt collection

I had two account with chase one was saving and checking accounts. I had zero dollars on my checking account but had money on my saving account. My overdraft protection was off. Which mean Any transaction I made off my checking were to be declined. Since I made a purchase the card didnt decline I thought they were taking the money out of my saving accounts. It wasnt till my checking account was overdrawn by XXXX dollars they notified me I had an overdraft. They never took the money off my saving account to cover my overdraft transaction even though it was off on my checking account. I called to close the account. They never did and kept letting charges go through. They wont stop harassing me. They vandalized my car. Wont stop following me. Asking people for my personal information. Hacking into my XXXX accounts. XXXX accounts, emails monitoring and monitoring my messages without consent.
Product: Credit reporting or other personal consumer reports

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my XXXX dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after XXXX written requests is also evidence of their willful disregard of Federal Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries not mine, and they belong to someone else. Possible fraud. Disputed with Equifax and they refuse to investigage and remove inquiries. 

XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Mortgage XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX RETAIL CARD SERVICE XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : DEPT OF EDUCATION/XXXX XXXX Balance : {$4400.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$2800.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$4800.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$9300.00} XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXXXXXX Balance : {$380.00} XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXXXXXX Balance : {$380.00} XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$110.00} XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXXXXXX Balance : {$380.00} XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$110.00}
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B says wrong accounts should get removed from credit reports. I'm not sure what's going on, but please check the accounts in the documents. They're not right on my credit report, both the accounts and their status. I'm XXXX  and XXXX XXXX XXXX XXXX, so I need your help.
Product: Mortgage

JP MORGAN CHASE IS LISTED AS TRUSTEE TO MORTGAGE LOAN TRUST XXXX XXXX. THEY HAVE SENT TWO LETTERS STATING THAT THEY HAVE NO INFORMATION ON MY MORTGAGE LOAN NUMBER, NAMES ON MORTGAGE OR PROPERTY ADDRESS.
Product: Debt collection

I received a summons for a lawsuit after I disputed the debt. I had my attorney send a letter stating that I did not owe the debt and why and they responding directly to me, not my attorney. They proceeded in filing a lawsuit directly against me instead of my attorney. They also refused to provide a physical address so they could be served.
Product: Checking or savings account

On XX/XX/XXXX, my card number was fraudulently used online on the website XXXX for the amount of {$260.00}. The website is an automotive parts supplier. The transaction went through to process the order on XX/XX/XXXX. The same night my card was trying to be used online at another retailer. I was able to deny the smaller transaction and file a dispute for the {$260.00} payment to XXXX through my bank, Chase. The amount is over my alert for Chase as well, and the transaction was still processed. After 28 days of investigation from my bank, my claim was denied and I was charged {$260.00} because it was approved by my financial institution stating that they had enough evidence to prove the transaction was valid. Chase was able to send me copies of the evidence they used to investigate this claim which the information for the delivery and email address does not match mine. The items ordered were delivered to an entire other state, in addition, the email address does not match mine. The fraudulent consumer was somehow able to obtain my billing address, unsure how that is possible.
Product: Debt collection

My name is XXXX XXXX and l am experiencing constant attempt by a person named XXXX XXXX from P & B Capital Grop LLC. Urging me to contact him to avoid delinquent trade line report. Which, I have no idea what this is all about. 
Below is the text message sent to me today XX/XX/2023 at XXXX from a phone number ( XXXX ) XXXX. 

I have in the past have been the subject of scammers and I do not wish to make calls to persons such as XXXX when I have no idea why I need to make contact. 

XXXX XXXX, please call P & B Capital Group LLC at ( XXXX ) XXXX for file # XXXX to avoid a delinquent tradeline report. Stop to Stop Thank you for your assistance. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

The information needs to be deleted In the file of a consumer in an event that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! 
Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONXXXX! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy In demanding an deletion of the account XXXX 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 XXXXXXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX, XXXX XXXXXXXX XXXX XXXX Account XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604A Section 2 : Is also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1666b - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Checking or savings account

On XX/XX/XXXX the Florida XXXX issued me my backpay of {$3500.00} and it went to direct deposit to my PayPal account which they use XXXX XXXX at superstore you account and I have no problems ever getting direct deposit with them The account number and the routing number is correct everything is correct its just the money is not even showing up at all apparently to PayPal and they are not doing anything about it they said they cant do anything about it my money is just missing and now it is XX/XX/XXXX and still nothing have you looked it up online PayPal is notorious for missing peoples payments
Product: Credit reporting or other personal consumer reports

TRACKING # XXXX XXXX XXXX XXXX XXXX XXXX ATTN : EQUIFAX TO WHOM : IT MAY CONCERN ACCORDANCE TO TITLE 15 6801 ( a ) ( b ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) PROTECTION OF NONPUBLIC PERSONAL INFORMATION ACCORDANCE TO TITLE 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THIS TRUST UNAUTHORIZED ACCOUNT READS : ALLEGED ACCT # XXXX TO BE FURNISHED/REPORTING ON MY CONSUMER REPORT. I HAVE FILED A POLICE REPORT AND IVE FILED An FTC REPORT XXXX UNDER OATH I HAVE NO CONTRACTS WITH THIS COMPANY AND THIS ALLEGED DEBT ALSO IF THIS WAS MY DEBT THIS COMPANY ISNT EVEN LICENSED TO COLLECT IN THE STATE OF TEXAS. ALSO I HAVE NO DEBT REPORTED WITH THE SECRETARY OF STATE WHICH IVE SUBMITTED A CERTIFIED NOTARIZED COPY .IT IS YOUR DUTY TO REPORT ACCURATE CLEAR AND PRECISE INFORMATION AND PROTECT THE CONSUMER RIGHTS AND HUMAN RIGHTS PLEASE DELETE ALLEGED ACCOUNTTTTTTTT IMMEDIATELY THANK YOU VERY MUCH IN THIS MATTER ANDD IN THAT ORDER. THX IN ADVANCE GOOD XXXX. SINCERELY, XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

Professional Bureau of Collections of Maryland , Inc sent a notice on XX/XX/19 to offer a settlement of debt if I paid {$2900.00} by XX/XX/19. I paid the amount as directed by the due date, the check was turned into an ACH withdrawal and can provide evidence from my credit union account. They are still calling several times a day claiming that I still owe a balance of {$1500.00}. I have the settlement notice in writing. When I spoke to them on XX/XX/19 and explained there is a mistake, they said they see my {$2900.00} payment, but that they have no record of the settlement offer they sent to me. Also they are not confirming that the Department of Education on XX/XX/19 seized my XXXX Tax refund of {$500.00}, which should have reduced the amount of settlement I needed to pay.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX/XXXX/202
Product: Money transfer, virtual currency, or money service

I believe I am a XXXX XXXX XXXX XXXX XXXX. My XXXXXXXX XXXX routing number is XXXX and my XXXXXXXX XXXXk checking account number is XXXX. On Tuesday XX/XX/year>, I met XXXX XXXX, a woman who lived in XXXX XXXX, on a XXXX XXXX called XXXX. We eventually moved onto XXXX and set up a meeting on XX/XX/year> at XXXX XXXX XXXX XXXX XXXX to have a meeting. At first she asked for {$100.00} through Zelle. She told me to send the money to the Zelle account that belonged to her Boss, which I believe is XXXX XXXX. XXXX told me to send the money to add her as a Zelle recipient and use XXXX XXXX email, XXXX. XXXX email is XXXX. On the day of the meeting, XXXX and her boss demanded a {$200.00} payment for a safety fee. Eventually, they increased the cost to {$500.00}. I sent a total of {$600.00} in 5 Zelle transactions : {$50.00}, {$50.00}, {$200.00}, {$200.00}, and {$100.00}. They asked for {$200.00}, and I had enough. I went home. XXXX and her boss then said if I pay the {$200.00}, I would receive my {$700.00} back. The next day, XX/XX/year>, I tried to send the {$200.00} to the Zelle account of her roommate, XXXX XXXX. Her email is XXXX. I dont know if she is involved as well, but it is a possibility. XXXX XXXX automatically refunded the {$200.00} to my checking account and restricted my access to their mobile banking app for XXXX hours. I decided to call XXXXXXXX XXXX  and they connected me to their Fraud Liason Center so I could report the 5 Zelle transactions as fraudulent. XXXXXXXX XXXX discovered that the {$600.00} was sent to XXXXXXXX XXXX and sent a notice to them that the transactions were fraudulent in hopes of getting the money sent back to my checking account. I am contacting Consumer Financial Protection Bureau to hopefully assist me in this endeavor.
Product: Mortgage

On XX/XX/XXXX my loan transferred from XXXX to newrez. 
On XX/XX/XXXX, I received a email stating that they do not have record of my mortgage payment and I have missed XXXX payments. I have automatic payments so I called and my records were reviewed and the young lady I spoke to stated she was a XXXX  employee and reviewed my account and stated newrez has added an escrow to my mortgage. 
My loan was originated with no escrow I pay my own taxes and insurance. The young lady saw the error and stated she will let the servicing department know. 
Yesterday XX/XX/XXXX I received a letter from newrez that my request to cancel the escrow has been denied reason the loan owner/investor has denied my request for escrow account deletion. 
I call the customer service number again and spoke to a manager, she stated that they can change the terms of the loan and I have to send a letter in writing so they can check it again but in the meantime to pay the escrow so it will not effect my credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, PA, XXXX Incorrect XXXX : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX XXXX - XXXX XXXX BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A XXXX XXXX XXXX XXXX IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX XXXX  TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!