23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am being robo-call harassed daily by a collection company called Porfolio Recovery Associates. They are calling in an attempt to collect on an old debt long past the Statute Of Limitations. They are trying to trick and bully me into making a payment to reset the SOL clock. I have repeatedly told them that they do not have my permission to call my phone. I have ask them to stop calling me and to take my number out of their robo-call system. They have ignored my requests and continue with the unwanted robocall. I would like to sue Porfolio Recovery Associates in a court of law for {$1500.00} per robocall and am now keeping a log of their continued harassment. These near constant robocall are causing me mental and physical stress.
Product: Vehicle loan or lease

XX/XX/year> Amount Deficiency {$10000.00} I.m dispute this amount cause I, m in financial hardship and lost wages ... .ca n't pay this amount at all ... ..I m dispute this whole amount ....
Product: Debt collection

Voicemails on my cell phone stating that there have been serious allegations against my personal information.  That myself or my attorney need to contact them and make a statement today.
Product: Credit reporting or other personal consumer reports

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Experian etc., are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies. 
15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 
XXXX Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XXXX XXXX, XXXX several attempts have been made to fraudulently access my banking information with several financial institutions. 
The latest was a hard inquiry through Citizens bank.
Product: Mortgage

When COVID became an issue we contacted Loancare because I had been laid off due to COVID, they were super eager to help me sign up for a forebearance. Told me the process, got it done. Assured me that once I was back to work all I would have to do is notify them, they would do a loan modification and add the payments to the end of the loan, essentially extending the term of the loan. I only needed the assistance for 3 payments, I went back to work and notified them. I was then told to fill out an application to get the process started to modify the loan, I did that. I rec 'd an email stating it was being processed. Never heard anything else. Went online, made my next payment, assumed everything was fine. Come to find out they put me in a program that my type of loan did not qualify for. Now they have locked me out of making payments on my account and will not take any payments unless I make 3 payments right now. I am on hold right now and have been for over 45 minutes waiting to talk to someone else. Last week we were told it wouldn't be an issue to make any payments because they were just still in the process of processing my application. So now they have marked me as in default. Oh and, they just hung up on me
Product: Credit reporting

This is past the statute and should NOT be listed on my personal credit file Experian XXXX XXXX XXXX # XXXX please remove
Product: Debt collection

I send a letter on XXXX o f which they received XXXX asking for my medical release forms in which I authorize third parties to have my medical information release with my signature on it included. I had given them 15 days to send them back to me or cease and desist from pursuing the alleged debts also erase all negative remarks from all XXXX credit bureaus. today is XXXX had not receive nothing not even a letter of acknowledgement, no negative remarks on credit report remove or Hippa medical relese forms of which by law they must provide upon request - >. I will upload the letter I send via certified mail with return receipt thx
Product: Credit reporting or other personal consumer reports

I did not authorize nor applied credit for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove this fraudulent inquires from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence. 

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within XXXX business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.

Please update my credit report as per law abiding accuracy of data.
Product: Debt collection

Hi XXXX XXXX purchased a charged off account - credit card ( XXXX max ) and have been harassing me for years to pay this at 3x the amount I ever owed. Asking XXXX pay off. I have tried to negotiate to no avail. I have asked for itemized billing but they send nothing. Please advise them to remove that debt from my credit report thanks XXXX 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. 

Accounts : 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 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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 ) 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, credit repair services, or other personal consumer reports

I called Transunion on XXXX-2017 and informed them I had been denied credit due to there not being a score for me at their company. I was informed that I could get a credit report, but no score until I paid them money. Any resource I look for online for them requires payment. I can not go back to the lenders that say I have no Transunion score with a report with no score. Also as to trying to find out this information and multiple applications to discover the info from all 3 credit bureau 's. My credit report now shows multiple requests and that lowers my score. Remind me how these companies are supposed to be good for the consumer?
Product: Credit reporting

I used the FTC link for my free annual credit report. I want to receive a report from Equifax. Equifax is the most difficult reporting agency to deal with because they demand that consumers become a member in order to receive a copy of want is essentially a copy of our personal information. I have family members who have had problems cancelling what is advertised as cancel anytime Equifax membership in order to get a a copy of a credit report. 
I wanted to avoid the hassle of dealing with the membership. As stated above I used the FTC website link for the free annual report. I enter the required information, clicked next and when the Equifax page appears there is a banner at the top says " Our site is down, try again later ''. However nothing changes no matter how long I wait. Can you help?
Product: Credit card or prepaid card

I applied for a Credit card because it included a {$200.00} gift card from XXXX. 
I received an email to prove my identity. I uploaded my current DL to the Chase website. 
Then i received another email asking me to verify the same. I spoke to a customer service agent who transferred me to the Fraud help desk and i was asked to go to the Chase Branch in Billings, MT with two forms of ID and have them verify. I took my US Passport and my Current DL. THESE WERE VERIFIED BY THE CHASE BRANCH OFFICER who faxed or emailed a copy of each to the credit card division. 
I have not received another email and letter asking me again send the same information once again. REFERENCE NUMBER : XXXX I believe this is harassment and putting obstacles in my way so that CHASE can deny my application. 
I have a credit score of XXXX, with a XXXX XXXX XXXX job that pays a six figure salary, so there is no reason to deny my application.
Product: Checking or savings account

PNC keeps over charging my account when I dont have over draft. They cant find out how Im overdrawn or when I was overdrafted. I tried to over draft once it was XXXX dollars and it wouldnt let me but somehow every couple days my account is overdrafted a large amount. But it wouldnt even let me spend XXXX dollars over. I also had a hotel refund me my deposit and it never came back to my account and the charge is gone as well. But I never had the money returned. They have taken over XXXX in overdraft when I cant overdraft. I write down my transactions and deduct it myself. And I have money just gone.
Product: Credit reporting or other personal consumer reports

Email sent, XX/XX/XXXX, XXXX {$2100.00}, email and phone calls. Account Number XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Current Balance- {$2100.00} According to the Federal law Fair Credit Reporting 15 U.S Code 1681s-2. If a person knows, believes, and or has a reasonable cause to believe that the information is inaccurate. Consumer agencies are not able to report any information relating to a consumer. The above account is inaccurate, with different account numbers, and different credit companies, and permission was not given 15 U.S Code 1681b. All companies in their agreement agreed to follow the law and agreed to do so 15 U.S Code 1681n.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experion, please cancel any and all months pertaining to this subscription. I made a mistake and pressed the wrong button. Do not charge me at all... 

Thank you Sincerely, XXXX XXXX
Product: Mortgage

On XXXX 21st Mortgage called me and I basically told them my situation and they wasn't trying to hear it so they gave me till XX/XX/XXXX, to come up with the money to pay. And they know I'm on a fixed income. The mobile home is in my husband name and he passed away in XXXX but I was staying with him so I been paying each month but sometimes I run into hard times but not often. This company when they call people they don't know how to talk to others on the phone it makes you wonder. They are very unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

Negative information appeared on my credit file XX/XX/2020 in the amount of {$500.00}. On XX/XX/2020, I called the collection agency, Simon Agency, and  spoke to them to find out why, as I had never had any communication from them and had no idea who they were. They said it was a hospital bill for my son, dating from the previous spring that had not been paid. I explained that my son had insurance and I had called the hospital and given them that information several months prior. I also explained that I was not there and had not signed anything at the hospital, and my son had given them his insurance card when his ambulance arrived, I only arrived in time to take him home. The collection agency told me that didn't matter, however they did take his insurance information and said they would put it in dispute. 
I called the agency XX/XX/2020 to follow up was told the matter was not cleared up and I needed to be patient due to COVID-19, but they felt it would be resolved and removed soon. 
On XX/XX/2020, I pulled my annual credit report and was surprised to see the collection agency had verified the collection account on XX/XX/2020. I called them again and said it needed to be removed at this point as it had been far more than 30 days that it had been in dispute, it was not my debt, it was covered by insurance and they were wilfully hurting my credit. They told me they were going to wait to hear from XXXX XXXX 's billing department, and it did not matter how long it took. I explained that the law gives them 30 days and I had gone beyond that as requested, however, it now needs to be resolved. They passed me to several people, none helpful, then sent me to a voice mailbox.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HATE TO BOTHER CFPB BUT AFTER SEVERAL FAILED ATTEMPTS THIS INCORRECT PERSONAL INFORMATION NEEDS TO BE REMOVED FROM MY CREDIT FILE. 

ALL FORMER NAMES ARE INCORRECT. MY NAME IS XXXX XXXX XXXX ; EXACTLY AS IT APPEARS ON MY DRIVERS XXXX. ALL OTHER VARIATIONS NEED TO BE REMOVED. ALL OTHER PREVIOUS NAMES NEED TO BE REMOVED.
Product: Debt collection

Wells Fargo Bank as with the victims of the XX/XX/XXXX CFPB Consent Order, engaged in illegal activity that prevented me from XXXX protection! Wells mislead me that at first before the XX/XX/XXXX, foreclosure that they were the owner of my mortgage  debt up until a week or so before the foreclosure and they changed their story that XXXX XXXX was the owner of my mortgage debt, which neither XXXX or Wells paid a single red cent for the debt, as would not be a debtor of the XXXX XXXX XXXX  mortgage loan I had. Wells for the last XXXX  years has sent documentation were none of it is a receipt that they paid or XXXX paid any monies for the alleged debt they claim I owed them. What Wells did was to hold me hostage to the hope of the processing of the XXXX XXXX XXXX XXXX which was required under the XXXX  agreement that Wells signed and received {$25.00} XXXX bailout from. I requested proof of purchase from Wells would is in possession of my mortgage file that contains all the documents from the loan, and a XXXX  Assignment of Deed is not proof of purchase! Wells does not present the receipt, wire transfer or cancel check because one does not exist. Wells can not act for XXXX XXXX because that XXXX  Government agency can not by law buy or sell a mortgage loan, and did not purchase my loan! As Wells did with the other XXXX victims starting on XX/XX/XXXX, was to prevent the XXXX  to steal from the XXXX XXXX helping XXXX not hold up their end of the insurance obligations to their investors and illegally foreclosed on the victims to funnel those illegal funds to XXXX XXXX! What Wells wants now is to be made to pay fines for the thousands of XXXX XXXX XXXX  heroes that they stolen our homes as Wells refused to modify any XXXX XXXX XXXX  borrowers in XXXX according to the XXXX XXXX XXXX. Wells needs to understand that as with the XX/XX/XXXX, there is not statute of limitation on stolen monies from the XXXX XXXX. Wells was granted he power to mortgage service my loan by XXXX XXXX XXXX ( XXXX ), however, that power ended when the FDIC declared XXXX a " failed bank ''! As XXXX could not act after XX/XX/XXXX because they stop existing, Wells can not act for a entity that does not exist!
Product: Credit reporting

On XXXX XXXX XXXX, I took out a online payday loan with XXXX XXXX, XXXX for {$1000.00}. I began repayment on XXXX XXXX, XXXX. Over the course of XXXX months, I made payments to XXXX, XXXX in the amount of {$2700.00} - all from my bank account in XXXX, which I retained despite moving to XXXX. As of XXXX XXXX, XXXX, XXXX, XXXX is reporting this account as " Charged off as bad debt|Purchased by another lender '' and it is listed and " Derogatory '' and a " Collection / Charge-Off '' on my Transunion report . XXXX XXXX, XXXX is not legally permitted to conduct business in XXXX or XXXX, because they do not follow the state lending laws for payday loans.