23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been called continuously by this company, sometimes several times a day starting early in the morning.
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. Account name : XXXX COLLECTIONS # xxxxxx XXXX, Account name : XXXX XXXX XXXX # xxxxxx XXXX, Account name : XXXX XXXX BANK # xxxxxxxxxxxx XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 XXXX 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. XXXX has violated my rights by claiming items are verified without proper investigation by law and knowingly and intentionally leaving false information on the credit report including but not limited to false names.
Product: Mortgage

XX/XX/XXXX I sent in my homeowners insurance information letting them know who to send payment to in the amount of {$6600.00}. 
XX/XX/XXXX - they sent payment to the insurance company and updated my profile reflecting that I had a current and active policy for XXXX XXXX  home insurance for the year of XXXX. This policy showed under the coverage tab when I logged into their website up until XX/XX/XXXX. in XX/XX/XXXX this disappeared from the website and was replaced with " forced insurance '' effective from XX/XX/XXXX to XXXX throughout the year of XXXX I had several escrow analysis estimates done and called multiple times inquiring about my statements. I was repeatedly told that I had insurance. In XXXX of XXXX I had the lengthiest talk with the mortgage company where I was explained that my insurance has caused an escrow shortage and I paid almost XXXX XXXX dollars to make up for this shortage. At one point she even said I could shop other insurance companies to switch to a lower rate. 

In XX/XX/XXXX I was notified that I did not have insurance for the year of XXXX and that I would be charged almost XXXX XXXX dollars for them to back date a forced insurance plan. Why wasn't I sent a notice earlier than this?? 
Or, why not wait 2 years, tell me I have insurance, and then send me a notice saying I actually never did and that I owe XXXX XXXX I contacted the insurance company XXXX  XXXX. They stated the insurance was cancelled in XX/XX/XXXX due to late payment. 

so in the end the mortgage company made a mistake being late on paying the insurance which is why it was cancelled. The website then reflected throughout the whole year that I had an active policy. I also called multiple times for information on my insurance. 

The mortgage company lead me to believe that I had insurance that I did not have AND was cancelled due to them not paying on time. Now, a year later they are trying to bill me for almost XXXX XXXX dollars.
Product: Mortgage

This is a follow up to complaint XXXX - Wells Fargo has called and left message to call them back. We do not wish to talk over the phone and request all correspondence in writing since we will take them to court if needed. 

One of our main issues with them is the differences in communication on the phone and in writing. This is not acceptable and we should ask our calls reviewed during the discovery. 

We know we can not be the only ones who are in this similar situation - are you aware of a class action that we could join?
Product: Credit reporting or other personal consumer reports

This morning, I was stunned to see inaccurate accounts suddenly appearing on my credit report, and I have no clue how they got there. When I checked my report, like I usually do, I was shocked to find discrepancies that came out of nowhere. I even refreshed my browser, hoping it was a glitch, but the errors remained. Because of this, I urgently request that the documents I've submitted be reviewed carefully so that I can put this behind me and never have to worry again.
Product: Mortgage

I used my VA loan to purchase a house in XXXX and was using Freedom Mortgage. I decided to move to XXXX and found a realtor who wanted to assume my loan. After notifying XXXX of my intent to move to XXXX in XXXX and sending Freedom Mortgage the required form with the 3rd party information, I was told that they had him as the person to assume my loan and would send the required documents for us to fill out and then he would have the house and I would be released. We started this process in XXXX of this year and after NUMEROUS phone calls from myself and the realtor to get the required paperwork for the assumption - they never sent the documents. They kept telling me they did but they did not. I made SEVERAL calls to the supervisor as did the realtor and we both complained that our calls were never returned. Now I am in XXXX  and am living in a hotel paid for by XXXX XXXX XXXX but will be XXXX as of this friday ( two days from now ) because the XXXX says the house is considered a asset so therefore I do not qualify for assistance and will have to live in my car. ( I am XXXX XXXX XXXX ) This company has been negligent in assisting me in resolving this issue and I need intervention ASAP. I hope you can do something to help me so I will not become a " casualty or statistic '' because of being a single female living in my car. I spoke to the realtor 2 days ago and he is still interested in assuming the loan if they will finish this process. PLEASE HELP!!!!! Thank you.
Product: Debt collection

First of all, I worked for XXXX XXXX XXXX. In XXXXXXXX XXXX XXXX  when XXXX was prominent out there. I was told by my employer that If i worked there my family and I would get this medical treatment free - that is to make sure we did not have covid and if we need they would provide the help we needed. But to my suprise I receive a bill in the amont of {$730.00} in which I should not has to pay. I do believe that this is a direct harrassment of my resigning from XXXX XXXX XXXX. 
I DO NOT OWE THIS BILL AT ALL. PLEASE HAS THIS BILL REMOVED FROM MY CREDIT REPORT.
Product: Debt collection

In XXXX of 2014 Credex started harassing me. They called me at my job and left embarrassing and threatening messages on the voice mail. I work as a messenger and travel thought out the hospital where I work. My work phone is in my office and when I am away from my desk the caller can leave messages on the office voicemail. I am not the only one who has access to this voicemail. My co-workers, supervisors and members of the Human Resources Department have access to those messages. 

The fact that Credex would leave messages informing people that I owed a debt to them was bad enough but the kind of messages they left made matters worse. They called me names and referred to me in derogatory terms, they threatened me with arrest, jail and garnishment. They threatened to inform my supervisors of my debt and their debt collection activities to have me fired. I asked Credex to stop calling me at work but they paid me no attention and continued to call me there. 

Credex also called me on my cell phone and left messages I counted 21 calls and messages on my cell phone. They also called me on my home phone. XXXX my home phone and dell phone are on the do not call list. These calls did not stop until my attorney filed a lawsuit. 

My case against Credex was filed in XXXX XXXX Ohio Common Pleas Court Case No. XXXX. Credex new of the suit because they contacted my attorney about the case. They, however, did not file an answer in the case and the court granted a default judgment against them for {$21.00}, XXXX as damages and {$2500.00} as attorney 's fees. 

I have not been able to collect this judgment because Credex is located in XXXX, N.Y. and I have not been able to find a New York Attorney who will handle this case for me.
Product: Credit reporting or other personal consumer reports

on XXXX when I received my report all 3 credit reporting agencies were not showing my home mortgage that I have had since XXXX and showed a collection from XXXX XXXXXXXX XXXX XXXX XXXX, I disputed that item with all 3 agencies ( Experian, XXXX, and XXXX ), XXXX corrected and removed the collection and started to report my mortgage as a new loan that started on XX/XX/XXXX and the other 2 agencies ( XXXX and Experian ) continued reporting the collection as they were reporting before and started to report my mortgage as of XX/XX/XXXX, I filed an complaint with CFPB last year and after a few months effort it did not get resoled and they still reporting a collection that do not have no signature of mine or a correct date of birth or address.
Product: Credit reporting or other personal consumer reports

Entered into Mortgage XXXX in XX/XX/XXXX with XXXX Mortgage. Instructed to pay XXXX modified XXXX XXXX  monthly payment for 6 months. Compliant with these payments each month. 

In mid XXXX, at end of forbearance, contacted XXXX rep to find out next steps in the process as we were at the end of the forbearance period. I was told to just have my loan modification application in prior to XX/XX/XXXX. At NO TIME was I told I would be reported as 6 months delinquent to the credit bureaus if I wasnt current by XX/XX/XXXX. 

I now have a 6 month delinquency on my credit report even though I followed Chases directions to the letter. Ive attempted to have this resolved with them and their response is it was in the fine print of the documentation I signed in XX/XX/XXXX that my credit may be affected. I feel this is unacceptable. My credit has now dropped from XXXX to XXXX as a result of this with a severe derogatory remark.
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX-XX/XX/XXXX I entered into an agreement with XXXX XXXX XXXX loans located at XXXX XXXX XXXX, XXXX, Ohio ( I had successful in the past so I used them again ) this tine due to financial reasons I was unable to pay my loan back, so after making the minimal payment several times then refinancing ( which I ended up paying way more than the loan and repayment amount ) my expedition was taken from my driveway and sold. I called to get the sell amount etc. Because the car was worth so much more than the loan amount, but was given no information and no chance to retain prior to sell. I was given the run around to multiple people. XXXX XXXX saying they could do nothing and to contact the lender and the lender saying call the auction, auction denied having info. Eventually I gave up. I had no money for counsel and I think that these companies play by their own rules, because they know if you need a title loan than you probably can not afford legal help. It has been years but this has never sat well with me, finally I was told about consumer reporting so I just wanted to follow up to see what my rights are. I did not know who to contact at the time. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ... XXXXXXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Student loan

I have reviewed my credit reports and notice that my student loans accounts that I signed for my daughter education were being reported duplicate despite the XXXX XXXX XXXX XXXX program has made them all current under a new account numbers and Nelnet is still reporting the old accounts on my credit reports as late XXXX days etc. I sent letters asking them why are you reporting the same account XXXX late and the other current and they have not corrected the problem. Instead I received a letter stating that they believe that I'm using a credit repair firm. Documentation provided etc
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX DOB XXXX ATTN : Consumer Relations Department XXXX   Equifax XXXX XXXX Under section 611 ( b ) of the Fair Credit Reporting Act, I am requesting that the following consumer statement be inserted in my credit report exactly as I have written it : I dispute the fairness of the late payments being reported on the XXXX XXXX XXXX XXXX  account. These late payments are the fault of XXXX XXXX XXXX XXXX that habitually mails my monthly statement to me after the date payment is due if it bothers to mail me a statement at all. Because I do not receive my billing statement in time and sometimes not at all, I have had no choice but to make payment after the due date. For this reason, there are late pays associated with this account, and that is no fault of mine. 
Please send me an updated copy of my credit report once the above statement has been added to my credit report. Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get some things off my credit report with XXXX, XXXX  and Transunion that are way over 7 years some are even 8 plus years old. I have been fighting this since XX/XX/2021 What in the XXXX why is it taking so long. I know by law they are supposed to come off at sevens year so AGAIN WHY????? 
So they just get to decide when they feel like it they can remove them and dont care about the law and people lifes. I feel they are just lazy and not doing their jobs it not the hard when I sent them a letter which details on it about the issues and why I was disputing them. 
My next action will be to obtain legal service and SUED!!!!!!!! 
This is total XXXX that I am having to waste my time with writing this complaint all because of the credit bureaus not getting things DONE.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX  Has been reporting since  XXXX  an account for the  XXXX   XXXX   XXXX  over a payment that was between my insurance and the billing department of the clinic. The Clinic was in dispute with the billing company due to over payment and improper billing. When this issue was resolved I received documentation from my insurance company, forwarding a copy to   XXXX   XXXX   to have this removed from my credit report since it was not directly my fault. Instead it was not properly removed by all reporting agencies and updated with TransUnion on  XXXX / XXXX / XXXX .     I was advised this morning that this is still active and not deleted.
Product: Credit reporting or other personal consumer reports

STILL WORKING ON THE ISSUE MEANS ABSOLUTELY NOTHING BUT STIL STALLING
Product: Money transfer, virtual currency, or money service

Dear PayPal Customer Service, I am writing to submit a complaint regarding the permanent limitation that has been placed on my PayPal account with the email address XXXX. I believe that this limitation was placed by mistake and that I have not violated any PayPal policies. 

Firstly, I would like to emphasize that I have been a loyal and active PayPal user for several years, and I have always abided by the terms and conditions outlined by PayPal. I have never engaged in any suspicious or fraudulent activities, nor have I ever violated any of PayPal 's policies. 

Therefore, I was shocked and dismayed to receive notice that my account had been permanently limited. I strongly believe that this limitation has been placed by error and I would like to ask PayPal to re-investigate my case. 

I respectfully request that PayPal takes a closer look at my account and any associated transactions to verify that I have not violated any policies. I am confident that upon review, you will find that I have acted in good faith and that there has been no wrongdoing on my part. 

Furthermore, I would like to kindly request that if PayPal finds no evidence of any wrongdoing, that my account be reinstated as soon as possible. I rely on my PayPal account for my day-to-day transactions and it is important for me to be able to use it without any restrictions. 

Thank you for taking the time to review my case. I hope that PayPal will reconsider the limitation that has been placed on my account and that I will be able to continue to use my PayPal account without any further issues. 

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

XXXX XXXX has been reporting a invalid account on my consumer report which is violating 15usc1681a-4 privacy obligation VIOLATION 1, they're not protecting me as a consumer. 2nd violation is 15usc1681b no permissible purpose to place on my consumer report without my consent or wet ink validation which is violation 15usc1681 section 604 a section 2. I have given them 15 days to provide proof that this account belongs to me and they have yet to do this. 15 days are up, so the account has to be removed. 5usc552a you broke the privacy law. I have a right to privacy 15usc 1681 section 602a.

Accounts according to FCRA being violeted of my confidentiality rights are XXXX XXXXXXXX XXXX XXXX XXXX according to my recent cfpb complaint they stated that they will stop all collection activity and remove from my consumer report XXXX XXXX XXXXXXXX 30 days Late 15usc1666b timing of payment violation 15usc1681a ( 1 ) a ( 2 ) transaction history excluded 15usc1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15usc1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any CRA if the person knows or has reasonable cause to believe info is inaccurate. 
{$1000.00} per violation sued and or prisonment.
Product: Mortgage

RoundPoint Mortgage Servicing Corporation is ( 1 ) wrongfully force placing insurance ( 2 ) charging a fee even when we prove that insurance has always been in place ( 3 )  attempting to attach other assets we own. 

Whether this is a systems issue, or an intentional issue is difficult to know. 

They actually pay the insurance we have out of an escrow account they manage ; and yet claim no insurance exists, force place insurance, and then when we send the insurance to them that they should already have, they only return a portion of the premium they force placed. 

Additionally, they have claimed to be an insured on other property we own that they have zero interest or loan on for two consecutive years.
Product: Credit card

On XXXX I received a statement with the " Paper Statement '' fee of {$1.00} added to it. When contacting the company, TJX Rewards Platinum Mastercard, I was told that the company does not need a consent because I have a choice, to switch to email only option, or cancel the account. 

The CFPB considers paper statement fees to be a type of " junk fee ''. 
Paper statements are an important consumer protection because they provide critical information and are a reliable way for consumers to retain records. 
If a company advertises a " free '' account but charges for paper statements, it could be a violation of UDAAP. The TJX Rewards Platinum Mastercard was advertised and until now was a free of " junk fees '' card. Therefore TJX Rewards Platinum Mastercard is in violation of UDAAP.

Kindly help me to curb the corporate grid. 

Many thanks in advance, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had several things going on such as passwords changing that got to the point of having my cell phone keyboard being taken over along with my XXXX XXXX and both email addresses. Person than made his easy onto my back account. He had taken over my home WiFi. I had to change my number along with email and XXXXXXXX XXXX. Spent well over XXXX hours with XXXX support alone. I was on paperless billing and didnt notice the increase in my internet bill because of all the data that was being used. And without having the phone number and email adresss made it impossible to get into my account. Especially when the hacker put himself as manager of the account. My XXXX XXXX locked account leaving me with zero ability to get funds unless I would take the XXXX mile one way drive to a branch. As a single father it was rough. My bank wouldnt allow it to unfreeze until I was able to change WiFi routers another phone everything since all accounts were compromised. XXXX did end up switching me to my second XXXX XXXX in less than a month after trips two XXXX XXXX appointments. I wasnt able to do anything when it came to my home internet besides pay the bill. The hacker was acting like he was me and knew all my information and had the compromised email that I no longer had access. To along with the XXXX app. After going back and fourth with XXXX I was able to cancel it. But charged early disconnect fees. I paid the bill on the XXXX and was able to cancel on the XXXX. Under the impression I would be refunded the difference back. Nope I lost that too. I called complained on deaf ears. I didnt understand how all this happened and Im barely scratching the surface. Started doing some research and found I was effected by the Experian data breech. I have so many horror story I wouldnt believe if someone was to share with me what has happened. I did file a police report. And have fraud alerts on my credit