23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX : account balance XXXX XXXX : ACCOUNT BALANCE XXXX in accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 

In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 





15 u.s.c 1661 section 602 A. States i have the right to privacy.

15 u.s.c 1661 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 AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY INVOLVED. IVE BEEN TRYING TO REACH THE BUREAUS CONCERNING MY REPORTS AND ACCOUNTS I HAD IN DISPUTE, NOTHING CHANGED AND I NEED AN UPDATE AND HELP FROM CFPB THANKS
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested on numerous occasions verification of this debt. I havent had a XXXX  account in XX/XX/2019 or the internet, so this is invalid. They are still not removing this debt. I believe I already paid a lawyer to relive this due to being invalid but not for sure. They are not removing or validating the debt and it is violation. FCRA laws and damaging my credit score.
Product: Debt collection

I was recently contacted by Monterey Collections via US mail requesting payment on a debt that I do not believe that I owe. I have responded to them with a letter of dispute and request for cease and desist in their pursuit of collection. 

Monterey Collections is seeking to collect on behalf of XXXX XXXX XXXX ( XXXX ), XXXX for XXXX that was performed on XXXX/XXXX/2014. As explained by my physician at the time, and clearly printed on the company brochure, " if it turns out your insurance company does not cover a specific test, XXXX, XXXX assumes all the risk ''. I have sent, via certified mail, copies of the EOB from XXXX XXXX XXXX denying payment for service rendered. 

I have now received an alert from XXXX, the company who monitors my personal and financial information against fraud and identity theft, that Monterey Collections is " listed as a new account on [ my ] credit report ''. 

I have made three attempts to contact Monterey Collections by phone but was sent to voice mail each time where I left detailed messages and requested they return my phone call to discuss this debt. After no response from them I have mailed a cease and desist letter along with copies of all the information from both the insurance company and a copy of the original agreement with XXXX , XXXX as noted above. 

I have very good credit and have worked hard to achieve this. I am retired and proud to say that I do not have any current debt. I do not feel that it is fair that I may be forced to hire an attorney to resolve this matter when I feel it is a clear example of unwarranted consumer harassment.
Product: Credit card or prepaid card

XX/XX/XXXX I noticed 5 transactions on my surge credit card that were not mine. I live in South Carolina and these purchases were made in XXXX New York. I called my credit card provider and disputed the charges. When I got my statement in XXXX the charges had been adjusted. I made my payment on XX/XX/23 that would be due on the XXXX of XXXX. When I got my XXXX Statement the charges had been put back on my card. Since this was fraud they cancelled my old card and sent me a new card and i have not even activated the new card. I called customer service again and asked why these were taken off and then put back on the card. This is NOT a low interest card and it has a XXXX yearly fee!! I am trying to work on my credit and this is a SCAM! The representative said that i needed to talk to the " fraud department '' I asked to speak to a supervisor because i clearly have not traveled to New York and I should not be charged interest on these transactions amounting in {$170.00}. They seemed to not care at all them or the supervisor. They gave me a claim number and a number to call the fraud department. I called them and they didnt even answer. I had to leave a message and they called me back a week later and i was unable to answer bc i was at work as i stated in the message i left them. This is a SCAM!!!!
Product: Mortgage

what happened is Ditech, green tree and XXXX has totally screwed up my mortgage since I was in bankruptcy I paid my regular payment in my bankruptcy plus added funds that I was behind and escrow account balances for a XXXX long year period now ditech who you never get to speak to the same person ever keeps telling me that my escrow is always behind and at a {$0.00} amount but I have continued making payments since being out of bankruptcy and even when federally discharged by the federal bankruptcy courts I was paying a higher monthly mortgage payment because that was what the trustee courts of XXXX was paying out then I was informed that {$1.00} was being applied to my escrow because that was an overpayment but yet I was never contacted these companies have to many outlets to throw the consumer off especialy when being XXXX and trying to make ends meet. I guess I am going to have to find an attorney who will work on contingency because I believe ditech, XXXX and bank of XXXX are committing fraud especially on my mortgage none of the numbers add up you never get the same answers from anyone from any of these companies. I believe that ditech needs to acquire a loan for me with an interest rate around what the rates are listed today. Not something they make up and then change their minds, also they keep sending docs with credit reports listing someone else 's credit card I have no credit cards I just got out of bankruptcy last XX/XX/2016 and then discharged XX/XX/2016. I was trying to get cash back but then was informed not available only harp loan available but yet they are slamming me with a XXXX % interest I am currently at XXXX % how is that going to help the bottom line. Because what I read the harp fannie mae they have to give you the going rate of interest which today I believe is XXXX % but yet I am being gaslighted once again this is crazy. So since all of this mess up they need to give me the refinance loan with an interest rate around 3.87 % that is my desired resolution
Product: Credit reporting or other personal consumer reports

XXXX XXXX, 2024 New inquiry XXXX XXXX XXXX I have no idea what it is and didn't apply for this. 

XXXX XXXX, 2024 New inquiry FEB/DESTINY I did not authorized this inquiry. 

XXXX XXXX, 2024 XXXX XXXX I did not authorized this inquiry and I've contacted XXXX  XXXX. 

XXXX XXXX XXXX XXXX. I did not apply or authorized this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

on XX/XX/XXXX, 2017 I faxed a dispute to XXXX 's regarding a XXXX 's account that 's reporting to my Experian and XXXX credit report in the amount of {$310.00}. I was told to allow 30-60 days to investigate, its been past 60 days and I have not received a response. I have attached the dispute with successful fax transmission.
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 U.S.C 1681. 
Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : 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 " States A Consumer Reporting Agency Can not Furnish an 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 by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) " States A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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: Mortgage

I have 2 mortgages with Select Portfolio Services. I was on the Covid or Pandemic Forbearance plan on one of these mortgages due to loss of income for both myself and my tenant. I was originally with XXXX XXXX mortgage co, but Select Portfolio bought that company in XX/XX/XXXX. My forbearance ended XX/XX/XXXX. I received a package regarding a modification plan since my Forbearance was ending. I now have a modification plan in place eff XX/XX/XXXX, which placed the money owed to the back end of the mortgage. I am now trying to refinance my main residence and needed the Modification to show that it was indeed due to Covid, or Pandemic reasons. Select Portfolio told me 3x on the phone today, XX/XX/XXXX, that although they can see that it is actually a Covid Modification, due to my type of forbearance, they can not put it in writing but the mortgage company can call to verify. The mortgage company asked me to try one more time with a supervisor and see what they can do. I spoke with XXXX and she stated that Select Portfolio does not offer any Covid modification at all. That once the Covid program that I was in ended, the option that I had was a straight forward modification. I asked why, since my Covid forbearance ended XX/XX/XXXX and the modification started XX/XX/XXXX, you can clearly see that it is Covid related. She just answered, this company does not offer that to anyone. It is not an option with us. In order for my refinance to be approved, I need to show that this was Covid related, to prove that I just did not feel like paying my mortgage. I am trying to do the right thing and I am getting nowhere. 
When i asked if I can be placed under the hardship again under Covid or Pandemic rules, they said I could not because they are no longer allowing those type of forbearances. Unfortunately, due to Covid, i was forced to retire and my income has drastically changed. the money received from the refinancing would help my family out tremendously. 
Thank you for your time and consideration.
Product: Student loan

Hello, The company that is servicing my daughter 's student loans is Pennsylvania Higher Education Assistance Agency. My daughter has written to them multiple times to request the extra money that she is paying every month ( {$50.00} ) be applied to the loan with the highest interest rate. Month after month the company has some story about why it can not happen. The extra payment is being spread over all XXXX loans, and the lowest amount of the repayment is being applied to the loan with the highest interest rate. 
Is there anything that can be done about this issue? 
Thank you. 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

PayPal see had accepted in payment on my behalf and made it available XX/XX/XXXX at XXXX per the instructions on my website. Waiting. PayPal then decided to extend my waiting period until XX/XX/XXXX. Nothing was sold on PayPal nothing was exchange on PayPal nothing w or exchanged or process in any manner on PayPal 's website the businessman they sent me a payment that they owed me from two weeks ago and PayPal felt the need to hold the funds without any XXXX even though the payment has cleared their systems according to their supervisor. On top of which PayPal charge me a hefty fe PayPal has lied numerous times customer service has supplied me with exact times and dates that the payment was going to be issued on however they keep changing the date in which they want to send me my money. PayPal is acting like an extortionist holding people 's an individual 's money without regard to the individual 's rights or laws. I hope to see if he be fines and investigates why PayPal finds it necessary to hold individuals funds when they conducted zero business on their website
Product: Credit reporting, credit repair services, or other personal consumer reports

I request a credit freeze/block/pin for Transunion, XXXX, XXXX  and XXXX XXXX.
Product: Mortgage

Due to Flagstar 's mistake, I had to incur an additional {$200.00} charge. They now belatedly and incorrectly claim ( after initially basically conceding that it was their mistake ) it was my mistake. 

Here 's the background : we have a mortgage through Flagstar, and our property insurance is paid through escrow they collect. We purchased the property in XXXX of XXXX. In XXXX of XXXX, Flagstar accepted our property insurance policy ( in only my brother 's name ) and renewed and paid for ( out of the escrow ) our policy in XXXX ( with only my brother 's name ) and then now in XXXX they refuse to accept it/pay the renewal from escrow because my name was not also on the policy. 

A representative ( who was very polite ) first informed me over the phone that it appeared that they had previously made a mistake in renewing it. So, I reached out to my insurance agent to see what they got do and arrange for them to speak with Flagstar. I called Flagstar back and they informed me over the phone that they had renewed it in XXXX as a " courtesy '' but never told me they had just renewed it as a " courtesy. '' ( Nonsensically they claimed they " renewed '' it in XXXX as a courtesy as well, but that is when we first got the policy ). They then claimed that they 'd sent me three notices about this issue. Remarkably, they only mailed me a letter dated XXXX XXXX, XXXX informing me that they refused to accept the policy ; I received the letter on XXXX XXXX, XXXX, a Saturday and the very day the policy expired. The two prior letters were sent in XXXX and XXXX *prior to Flagstar 's renewing the policy with just my brother 's name*!. Now, because Flagstar refused to extend their prior " courtesy '' ( if that is even why they renewed it in XXXX ; their first customer service rep. told me it was likely renewed by mistake ) or at least notify me in a timely fashion, I had to pay an additional {$200.00} out of my pocket to extend the insurance so it could be re-submitted to Flagstar. When I tried to speak with Flagstar about what to do, they shouted at me repeatedly ( a different representative named XXXX XXXX and only recommended I buy different insurance. Remarkably, the money to buy the insurance is sitting in escrow. So, I had to pay out an additonal {$200.00} because of Flagstar 's error
Product: Money transfer, virtual currency, or money service

Account opened with Coinbase XX/XX/XXXX. Additional deposits made XX/XX/XXXX and XXXX/XXXX/XXXX. 
Subsequently and on numerous occasions since, I tried to enter additional trades. Site response was, and is still, " Buys Currently Disabled. '' No explanation or remedies are offered. 
I have used all the customer support avenues available from Coinbase to no avail. No live customer support, either by voice or by live chat, is available. 
I am a retired senior with limited income. My Coinbase investment represents a substantial piece of my assets and I need to have access to my account. I need Coinbase to provide me with an explanation as to why this restriction was placed on my account and what I can do to have the restriction lifted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of purchasing a new vehicle and in doing so I had to pull my credit reports and found there were multiple inaccuracies that should not be on my credit reports. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the account and or the information listed below : XXXX XXXX ACCOUNT # : XXXX I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Debt collection

i have a debt with resident collect that is a valid debt but wrong dollar amount. I have called over phone and they verify the correct amount but they are refusing to send report with the correct balance to XXXX and XXXX. Experian already has it updated because they called Resident Collect and received it verbally. A epresentative of Resident collect by the name of XXXX has been very rude and straight to point by indicating pay the updated amount and we will send info over to say debt is clear however when I ask why they will not send correct amount over he also stated that " he will not give me what I want until I send them what He wants ''. He knows that I am seeking employment and the company only verifies through XXXX. I have a letter from resident collect that I am enclosing that has Acct #, Creditor that appears on all my credit reports but the letter has the updated amount while my credit reports still have the wrong amount. This has been ongoing for XXXX months. I file a dispute with credit bureau and Resident Collect keeps closing it by saying the higher amount is correct. As you can see by the letter from collection company it was updated in XXXX. On XXXX XXXX I filed a dispute with XXXX and they ( Resident Collect ) denied it and then i did one again and it was denied.They are saying that they do not report it to credit agency but the agent clearly told me to pay it and he would update my report. I have asked for Supervisor 's and he advised me he was it. I asked for the email of XXXX XXXX who is President of company and they said they would not release it to me. I even spoke with XXXX XXXX who is the director of company and he said that he ca n't help me. He says it is up to the credit bureau to update and he sees that they have updated the information so if they havent updated report its own them. When the Credit Bureau is called they keep saying it was denied and I was even advised by XXXX that the collection agency can call it in over the appropriate phone # that they have and it will be corrected but again agency is throwing the ball in the Credit Bureau 's direction this was also told to me from XXXX s well about the phone #. I am enclosing the letter from Resident Collect as well as the letter on company letterhead from the Creditor stating the dollar amount has been changed. The debt is one I owe but the amount is incorrect.
Product: Credit reporting or other personal consumer reports

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX : XXXX and LexisNexis-Attached you XXXX find multiple XXXX CFPB Complaints against XXXX, XXXX and XXXX XXXX XXXX place account XXXX ( up to XXXX words ) Consumer Statements for my XXXX XXXX XXXX XXXX XXXX accounts, XXXX XXXX XXXXXXXX XXXX XXXX  Accounts and XXXX XXXXXXXX XXXX accounts. That means XXXX account specific Consumer Statements must be included within the detail for every XXXX of these XXXX accounts. You should read this Complaint as if they are addressed to XXXX and LexisNexis requiring you to insert the requested Consumer Statements for the identical reasons. Moreover, due to my pending United States XXXX XXXX case in XXXX in the XX/XX/XXXX case styled XXXX XXXX versus XXXX XXXX XXXX XXXX and my subsequent pending XXXX arbitration filings with XXXX  XXXX XXXX cases as Claimant against Respondents XXXX XXXX XXXX and XXXX, you must not only permanently mark each account as Disputed by Consumer until court litigation and arbitrations are completed in a few years but you must initiate the required dispute investigation with all disputed Furnishers plus delete every old address, except my current address, to avoid frivolous lawsuits being started against me in an improper venue outside my XXXX area XXXX I expect to subpoena your records in my XXXX XXXX XXXXXXXX cases and my federal lawsuit so it is imperative that my records be 100 % complete and accurate and Metro XXXX and FCRA compliant without obvious Facially XXXX XXXX XXXX violation of the XXXX XX/XX/XXXX advisory by CFPB XXXX XXXX XXXX XXXX Kindly promptly provide me with a complete credit report by US First Class USPS Mail as soon as you receive this complaint and an updated complete report after the XXXX account specific Consumer Statements are included and another updated complete credit report after you complete your investigation of my disputes for the XXXX accounts. Sincerely, XXXX XXXX. XX/XX/XXXX 2023