23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My husband died in 2011 and his military pay had stopped coming in. And I had very limited income coming in. I had XXXX twice since his death. And they keep hounding me to pay this and I just do n't have the money to pay. I do n't think I should pay the price with my credit being ruined because of my husband passing away. They are also reporting several other credit cars to my credit file to. And double reporting for XXXX who is also reporting.
Product: Credit reporting or other personal consumer reports

I have recently found a collection account on my consumer credit reports ( TransUnion, XXXX, and XXXX ) from XXXX XXXX XXXX ( XXXX  ). This account is unknown to me as I have no contract with XXXX. Somehow, XXXX has gotten a hold of my non-public private information and is causing me harm by significantly reducing my credit score. Furthermore, XXXX does not have my consent to disclose my information and I am informing them that I opt out of them sharing my information. XXXX has also violated the Privacy Act of 1974. 

Per the Fair Credit Reporting Act, as a federally protected consumer, I am now opting-out of any and all authorization I may have given you in any form whatsoever to share my private non-public information and it is my right to do so at any time per 16CFR313.7 ( f ).

16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods.

( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this sub-chapter, a financial institution may not, directly or through any affiliate, disclose to a non-affiliated 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 general A financial institution may not disclose nonpublic personal information to a non- affiliated 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.

16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods.

( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
Product: Credit reporting or other personal consumer reports

Try to apply for housing got denied for an outstanding bill that I owed say stating that I did not clean the apartment that I left holes in the walls and holes in the doors which I did not even had friends come over and help me clean the house. It is not showing up on my credit report even though it is in collections nor have I had any prior notice of owing this amount or have they tried to contact me send me mail after I forwarded my mail many many times to different addresses that I've had
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted and disputed these inquires and Equifax has yet to remove from my report after i have told them over them phone as well in letter form that these was NOT my inquires. Please Have Removed ASAP Thanks I'm attaching a Police report with this complaint. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified letters to each bureau and they have not responded to show the account verified. Here are the following items : 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 am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to report violations of the Fair Credit Reporting Act ( FCRA ) by XXXX, Experian, and XXXX. These entities have failed to ensure the accuracy of my credit report in compliance with the FCRA, specifically 15 U.S.C. 1681e ( b ), which requires credit reporting agencies ( CRAs ) to follow reasonable procedures to assure maximum possible accuracy of the information in consumer credit reports.

Description of the Issue : 1. Inaccurate Information on Credit Reports : My credit report with XXXX and Experian reflects inaccurate information related to an account furnished by XXXXXXXX XXXX XXXX 

XXXX. Failure to Ensure Accuracy : Despite providing both CRAs and XXXX with documentation disputing the inaccuracy, they have not corrected the errors, nor have they updated the report to reflect the maximum possible accuracy as required by law. 

3. Ongoing Harm : These inaccuracies have damaged my creditworthiness, resulting in adverse decisions regarding credit applications.

Relevant FCRA Provisions : 15 U.S.C. 1681e ( b ) : Requires CRAs to follow reasonable procedures to assure maximum possible accuracy of the information in a consumers file.

15 U.S.C. 1681s-2 ( b ) : Requires furnishers like XXXX to investigate disputes forwarded to them by CRAs and report accurate information to the agencies. 



XXXX of Events : XXXX. XX/XX/XXXX : I disputed the inaccurate information with XXXX, Experian, and XXXX, providing documentation supporting my claim. 

XXXX. XX/XX/XXXX : Follow-up disputes were submitted, yet the inaccuracies persist on my credit reports, demonstrating a failure by all parties to comply with their obligations under the FCRA. 

XXXX. XX/XX/XXXX : I reviewed my credit reports and found no corrections or updates reflecting maximum possible accuracy. 



Violations : XXXX. XXXX and Experian : Failure to follow reasonable procedures to ensure maximum possible accuracy of my credit report. 

XXXX. XXXX Credit Card : Failure to conduct a proper investigation and update the CRAs with accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN and XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2022.
Product: Mortgage

I have a recast mortgage via BofA and paid a higher percent for this type mortgage so I could pay down the mortgage after the sale of another property. I want to recast the loan by putting an additional 20 % down to eliminate the PMI. The mortgage was sold soon after the loan was originated, yet the BofA Is still servicing the account. 
I have called multiple times and left messages for the person who should be assisting with recasting the loan, XXXX XXXX. I have left voice mails him as noted below and then tried to get assistance from the service DEPT. often I have held for +2 hours. 
XX/XX/XXXXadvised by rep unable to assist because of system upgrade. 
XX/XX/2020 multiple calls and transfers to other depts XX/XX/2020 multiple calls and transfers to other depts XX/XX/2020 multiple calls and transfers to other depts XX/XX/2020 multiple calls and transfers to other Yesterday, Saturday XXXX XXXX I receive a letter from BofA stating we have received a request to cancel your PMI and the loan is not eligible due to the LTV ratio. 

This is not what I requested. I requested the loan be recast by me adding an additional 20 % towards the principle. 
Obviously there is a communication disconnect at BofA as they do not realize what type of mortgage this is and loan can be recast without refinancing.
Product: Debt collection

The debt collection agency Stegner & Stegner XXXX XXXX of Michigan has repeatedly attempted to serve my family lawsuits, passive aggressively at our house, for a debt thats not ours. The original debt is owed to XXXX XXXX XXXX for {$5.00}, XXXX and the defendants name does not live at our address nor has he ever lived there ever. We have contacted them on numerous occasions, they have sent us a handful of mail threatening us with legal actions, and they are still coming onto my property trying to serve me with papers. This is socially embarrassing for me and my family because every time they come, they make a scene at my front door while my neighbors are looking and it is causing a lot of unnecessary mental stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is in violation for stated codes below. Company has no permissible propose to furnish my consumer report according to the FCRA. None of the permissible proposes provided below are reasons that company is providing my consumer report to other CRAs.

The FCRA prohibits CRAs from furnishing consumer reports except for certain permissible purposes, Section 604 ( a ), 15 U.S.C. 1681b ( a ), and prohibits persons from obtaining consumer reports for any reason other than those permissible purposes, Section 604 ( f ), 15 U.S.C. 1681b ( f ). Additionally, a user must certify truthfully that it is obtaining the consumer report for a permissible purpose. Section 604 ( 1 ) ( 2 ), 15 U.S.C. $ 1681b ( 1 ) ( 2 ).
33. The FCRA restricts requests for consumer reports to the permissible purposes enumerated in Section 604 ( a ), 15 U.S.C. 1681b ( a ). Pursuant to the limitation in Section 604 ( f ) of the FCRA, 15 U.S.C. 1681b ( f ) : " A person shall not use or obtain a consumer report for any purpose unless.. 
the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished.
Product: Debt collection

I was contacted by Portfolio Recovery Associates, LLC. this company on XX/XX/2019 called to collect two debts that were supposedly owed by me.The first account was for {$290.00} and the second account was {$700.00} I asked the customer service representative what address did they have on file for the debts. The address he provided was inaccurate and i had never live there before. He explained that i could dispute the accounts due to no knowledge or evidence at the present time to state the proof. He then proceeded to state that he has to read out a disclaimer stating the process of the dispusting of the account ; the creditor can not sue the consumer for the so called debt. 
After a little over a month, On XX/XX/2019, I received in the mail a letter from the debt collector showing how only one of the accounts was valid and accurate. In the envelope there was copies of bills that were sent to the inaccurate address that was on file. That is not accurate proof to show that I owe a debt. Portfolio Recovery Associates is to provide a copy of signed with signature, contract or agreement. Failure to show accuracy of the event has resoluted me to file a complaint against the company. Also. there was no valid validation stating that the other account was mine, either.
Product: Credit reporting or other personal consumer reports

I know that federally regulated reports and Metro 2 compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely. 

XXXX - XXXX {$12000.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXXXXXX {$8000.00XXXX XXXX XXXX XXXX XXXXXXXX {$270.00} XXXXXXXX XXXX XXXX XXXXXXXX {$490.00} XXXX XXXX XXXXXXXX {$490.00} XXXX - XXXX {$880.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$760.00} XXXX - XXXX {$110.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX - XXXX {$270.00}
Product: Credit reporting or other personal consumer reports

I am writing to complaint to XXXX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX, IN XXXX, and my name is XXXXXXXX XXXX XXXXXXXX XXXX. My birthdate is XX/XX/. The FTC report numbers related with this complaint are XXXX and XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Mortgage

This is now my second complaint with the CFPB and I am shocked that no one cares to try to fix my problem. I thought the CFPB had some power to protect the consumer. I am very disappointed in this process. 

I am have in contact with J.G. WENTWORTH home leading since XX/XX/2018 and have been ignored, disrespected and made to feel worthless. 

J.G. WENTWORTH screwed up at closing and I am now forced to pay an additional XXXX a year and they said it was bc of taxes. That's a lie. Taxes are not allowed to go up that much in a year California law article XIIIA of the state constituon commonly referred to as prop 13. 

They are not helpful and condescending. I am tired of calling 100 times  and not getting anywhere. 

I have now found another person who J.G. WENTWORTH also XXXX   up with and forced them to change an already signed CD bc they left off PMI and threatened not to fund. 

These people are scum bags. I have contacted by 3 different dispute resolution employees, 3 managers and VP of the entire department to have almost zero movement. The VP was condescending and flat out lied to me on recording and in writing. 

I WANT RESOLUTION, NOW!! I AM TIRED OF THIS XXXX!!
Product: Debt collection

I haven't spoken with the company about this matter, I only remember them from an issue over a medical bill I didn't owe before. They call every day at different times. They keep my caller ID filled with calls but never leave any information. They don't leave a message and they haven't sent me any information in the mail about their reason for trying to reach me.
Product: Mortgage

I received a notice on XX/XX/2022 from XXXX XXXX insurance company stating that the insurance premium for my house had not been paid. 
The monthly payment I pay to Fay Servicing has {$270.00} for both taxes and insurance credited to an escrow account. 
I contacted Fay Servicing on XX/XX/2022 at XXXX XXXX  and spoke with a representative who assured me that an expedited payment would be made to XXXX XXXX XXXX XXXX. 
However, on XX/XX/2022, the insurance agent notified me that Fay Servicing had failed to make the insurance payment as promised and the policy would be cancelled. 
I had to borrow money to pay this unexpected bill which Fay Servicing is legally obligated by contract to pay. 
I had to come up with extra money to make sure the bill was paid. Since Fay Servicing did not meet their obligation as they should have. Fay Servicing took my money in good faith and did not pay the insurance. So now I had to pay twice. 
I wrote to Fay Servicing on XX/XX/2022 requesting to reimburse me for the insurance that I had to pay out of my pocket which was Fay Servicing 's responsibility and to update the escrow account for reducing the monthly payment which Fay Servicing continues to collect in full for interest, taxes and insurance. 
On XX/XX/2022, I received an escrow account statement which showed that Fay Servicing not only did not update the escrow account but also was not truthful with the fund allocated for insurance payment. 
I called Fay Servicing on XX/XX/2022 at XXXX XXXX and spoke with a representative. She claimed that Fay Servicing never received an invoice from XXXX XXXX XXXX XXXX. 
I contacted XXXX XXXX XXXX and obtained the copy of the invoice sent to Fay Servicing on XX/XX/2022. 
Fay Servicing has almost put me in a hardship situation. I am very concerned what happens when I have to pay the tax bills in the thousands of dollars which I have been paying to an escrow account at Fay Servicing every month. I have no faith in Fay Servicing and I would like to protect myself.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



Open Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

Transunion, wrong reporting, unable to lift freeze, website not working. Horrible customer service, unsafe for consumers. non-trust worthy
Product: Checking or savings account

Complaint Summary : I am filing a complaint against PayPal , Inc. regarding the unauthorized access and fraudulent transactions made on my PayPal account. Despite providing all necessary documentation and reporting the issue to PayPal, my account remains limited, and my funds have not been refunded, causing significant financial and medical hardship. 

Details of the Issue : - Account Information : - PayPal Account Email : XXXX - linked phone number : XXXX - Date of Incident : XX/XX/year> - Unauthorized Transactions : [ XX/XX/year> ] - Nature of the Issue : - My PayPal account was hacked, and unauthorized transactions were made. 
- The fraud was reported to PayPal immediately, and the fraudulent activities were documented with PayPals support team. 
- Despite providing the necessary documentation to verify the unauthorized transactions, PayPal has not restored my account or refunded my balance of {$850.00} which was fraudulently transferred. 

- Correspondence with PayPal : - I contacted PayPal 's customer support multiple times, including through their chat service and phone support. However, my case has not been resolved, and I have not received the funds that were taken without authorization. 
- PayPal has stated that the case was " denied '' due to alleged inconsistencies on my account. However, PayPal has not provided any clear explanation or evidence supporting this claim.

- PayPal has also refused to release the funds, even though I am facing an XXXX XXXX XXXX and the funds are needed to XXXX XXXX XXXX for a family member. 

Impact of the Issue : - I am currently dealing with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt. The loss of these funds has left me unable to pay for XXXX XXXX XXXX, further compounding the stress and hardship caused by this situation. 

Requested Resolution : - Refund the full amount of {$850.00} that was fraudulently transferred from my PayPal account.

- Lift the account limitation imposed on my PayPal account, which is preventing me from using my funds. 
- Take immediate action to investigate the unauthorized access thoroughly and provide a clear explanation as to why the case was denied. 

Additional Information : - I have attached any relevant documentation supporting my claim, including proof of fraudulent transactions, communication with PayPal support, and medical emergency details. 

XXXX XXXX : - Name : [ XXXX XXXX ] - Address : [ XXXX cedar XXXX XXXX ] - Email : [ XXXX ]
Product: Credit card

I disputed an item on my credit reports with Chase Bank with a verification letter dated XXXX XXXX, 2016 and my letter was received and signed for by Chase Bank on the XXXX XXXX, 2016 [ Certified mail with their signature confirmation card ] Account # XXXX : Bal {$1400.00} [ Charged-Off ] I have retained a copy of their signature and date of receipt, as well as time-stamped copies of my credit reports showing that Chase Bank have violated the fair credit reporting act, section 623 ( a ) ( 3 ) by not placing the disclosure on my credit reports within the required 30-day period.The 30 days required disclosure expired on the XXXX of XXXX. 
As Chase Bank have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, Chase bank must now remove this item from my credit reports, which they are refusing to do. 
Can you please let Chase bank know that they 've violated a federal law and should immediately remove this item from my credit reports.
Product: Debt collection

Payliance send me a bill for {$530.00} that I owe XXXX I have never been on this site.
Product: Mortgage

This is my second complaint with same problem and another issue. When my spouse died in XXXX, I provided the necessary documents and I am approved by Fifth Third to be the Successor. In the year of XXXX I still don't have online access to pay the mortgage. I have made several unsuccessful attempts in the past. I current have to pay by mail or go to the branch to pay my mortgage. I have sent checks paying the mortgage for almost years and i'm still having problems that needs to be resolved. 
This year I have and overage on the mortgage. I received a check in deceased spouse name. On XX/XX/XXXX this year I went into the XXXX branch on XXXX XXXX to resolve the issue. She spoke to someone in the escrow department to reissue the check in my name. One week later I received another check in XXXX 's ( deceased ) name. After sending the second check back to them, I haven't received any correspondence. 
I should have online access to pay the mortgage as any other consumer.