23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had a medical bill that is unresolved through the XXXX Fire Department. I am in the process of applying for financial aid for that debt but nonetheless the Fire Department sold the debt to a third party collection agency called " Penn Credit '' while the resolution regarding the financial aid is pending. I have been in contact with Penn Credit and they offered me a payoff amount of {$640.00} on a bill that was  approximately {$990.00}. I told them that I was first going to apply for financial aid on the bill because I was never given the opportunity to do so when I was injured. I informed them on the phone that I would call them when a resolution was reached with the fire department. I am still awaiting the results of the financial aid application. ( Likely due to the COVID-19 pandemic ). I am also in the process of disputing the validity of the debt with the fire department because I was involved in a minor incident that involved me having to ride in an ambulance for less than one mile, without receiving any medical care whilst in the ambulance. I was in contact with Penn Credit when I received the first letter from them saying that I was disputing the validity and applying for financial aid with the fire department. ( I'm a full time graduate student I have no health insurance ). They have my phone number and my address but instead have chose to repeatedly call my mothers cell phone instead. It happened again today and I saved the proof that they have called her cell phone multiple times while I have spoken with them. They have violated the FDCPA by calling my mother several times ( while I have never ceased communications with them ). They have also ignored my requests to stop calling my mother.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX were contacted with legal documents to update and close XXXX child support because there is no longer ANY debt. Both companies are refusing to update said accounts that are in error as per FCRA. Experian and XXXX even shows an astronomical monthly payment and heres proof : XXXX OF CHILD SUPPORT Account number XXXX Account type Family Support Responsibility Individual Date opened XX/XX/XXXX Status Open. 
Status updated XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$39000.00} Original balance - Highest balance {$0.00} Terms 1 Months
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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. 

According to XXXX XXXX XXXX XXXX ( XXXX XXXX ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Product: Credit card

I am writing to express my deep concern and distress regarding a recent interaction with your company. On XX/XX/24, I received a letter from Discover Card company indicating that I had been approved for a credit card. However, shortly thereafter, I discovered that my identity had been compromised, and it appears that your company may be involved. 

Upon receiving the initial letter, I followed the instructions provided and supplied the requested personal information for the credit card application, including my social security number, email address, and home address. Despite the assurance of approval, I was subsequently informed that my application had been rejected. 

This sequence of events raises serious questions about the security measures and integrity of your company 's practices. It appears that my personal information may have been obtained under false pretenses, leading to significant concerns about identity theft and fraud. 

I demand a thorough investigation into this matter and an immediate explanation as to how my personal information was obtained and subsequently misused. Additionally, I request full disclosure of any and all information pertaining to my interactions with your company, including records of communication and actions taken regarding my credit card application.
Product: Credit card

On XX/XX/XXXX, I received a phone call from American Express that my account was being cancelled? I asked them why and the agent from AMEX XXXX XXXX stated that another account that I was on had failed to maintain its obligations. I stated that my card was not linked to the account that failed to pay. She informed me that it was, and my personal account was cancelled along with the business account that I've had no connection to since XXXX. I was removed from the account that has been diligent by AMEX in XXXX and I have a confirming text stating that I am not personally responsible for the balance this account. 

I have never been late or missed any payments with AMEX on my personal account or any other account that I have control over. 

I have seen a side of AMEX that has changed my opinion of them, soon after the notice I started receiving phone calls and emails daily looking for payment even though the payment was not due. I haven't even received a statement so a could confirm purchases and balance. Also, AMEX would not honor the points earned after years of doing business. AMEX harassed be daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX 'S account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. On XX/XX/2017 account # XXXX was opened under my name without my knowledge or consent and was used and left a {$1600.00} balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research. I demand this account be deleted expeditiously from my report being that the name was entered incorrectly but the perpetrators were still able to furnish a credit account with this company.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I Made contact with Equifax pertaining to credit report showing XXXX inquires. XXXX stated they was not showing XXXX inquires on my credit file. I was sent an up to date credit file which shows only XXXX inquires. As of today XX/XX/XXXX, the same problem. My credit report shows XXXX inquires. Made contact again with Equifax which the representative stated it does show XXXX inquires. I asked the representative how is that possible? I should not have inquired from XXXX on my credit file they were deleted last year from fraudulent activity.
Product: Debt collection

I have no knowledge of this collection I pulled my credit fill and this collection was listed.
Product: Mortgage

Please stop the sell of our home. Request attached to this email. Please help, auctions sale is scheduled for Wednesday, XX/XX/2019. 

I am at a critical point of our home ownership. I have in good faith tried to negotiate a modification for the life of my loan that is fair to the investors, servicer, and my family of XXXX. 

I do understand that the bank does not have to offer or even extend any modification terms. I am not looking for handouts and we are fully aware of the moral hazard implications do not want to contribute to it. 



I have utilized both chapter XXXX and chapter XXXX bankruptcy filings to place my family in a financial position to afford the mortgage, and to avoid foreclosure I have reduced and cut expenses in every way possible. I have utilized every legal remedy to save our home. 



We have been told, by HUD agencies and credit counselors, that our front and rear end ratios regarding our income is sufficient to receive an affordable modification, however, the investor group has rejected every viable option to receive a life of the loan, affordable mortgage solution to date. 



On Wednesday, XX/XX/2019, if no resolution is in place by that time, our home will be sold. 

I have exhausted efforts to achieve an affordable mortgage, because the investors ( XXXX XXXX XXXX XXXX As Trustee For  XXXX XXXX XXXX XXXX XXXX, Mortgage Pass-Through Certificates Series XXXX ( Mr Cooper Loan Number : XXXX ), to date, have denied any affordable mortgage for the life of the loan, because they have only extended payment plans that have been temporary and offered no long term solution. 



If given the chance for a fair solution, we will be able to sustain mortgage payments for the life of the loan. I am now at the mercy of the servicer, the investors, and any efforts your office can extend at this point. I pray that the investor team will have compassion and really work to help us maintain our home with a proprietary mortgage modification solution that is long term, affordable for all the stakeholders to include the investor and servicer. Please help, as this will be my last opportunity to keep our home. I hope a final effort can be made for a modification on behalf of my family and our family of XXXX is not displaced. 



Our primary goal is, and has always been, to maintain our home and not displace my family. I realize this is an uphill battle, but I will not be able to be at peace if I do not try to use every possible option until the options have been exhausted for a modification that is for the life of the loan. 



This issue has created tremendous anxiety and uncertainty, and I have the tremendous weight of this burden to ensure the stability of my family. I feel things are starting to cave in around me now. 



If you can make a final attempt for a modification on my behalf, I would like to pursue the optionit is at least worth the effort. 



Please know that all of your efforts and attempts will be greatly appreciated and your advocacy will never be forgotten Please advise. 



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

Law company and my credit reports different amounts
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE be it to all, in Fact, I Am a consumer pursuant 15 usc 1681 ( a ) ( 4 ). Fact, as such consumer, I have a right to privacy. Fact, I have NEVER signed a contract or PROMISSORY NOTE with XXXX XXXX. I believe them to be a 3rd party debt collector. Therefor I demand to see a purchase receipt giving them legal jurisdiction to collect ANY & ALL alleged debts they may claim I owe past present & future. Fact, pursuant 18 usc 8 ALL certificates of indebtedness and BILLS are the obligation of the United States CORPORATION. I have NEVER given my WRITTEN or ORAL consent for these items to be furnished on my consumer report, which is a violation of 15 usc 1681b. I DEMAND these items be removed from my consumer reports or PAY me {$6700.00} for every minute these items have been reported on my consumer reports. All violations are punishable of up to {$1000.00} per violation pursuant 15 usc 1640 & 15 usc 1692k.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XX/XX/2022 to have some false information taken off of my report and this company refuses to remove these inaccurate closed accounts and inquiries from my report. I am also currently taking action for a lawsuit
Product: Vehicle loan or lease

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has  been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX of XXXX, I had many of financial accounts compromised via my phone, one of which was my PayPal account. My PayPal account was accessed by someone other than myself, a debit card account opened, and {$1900.00} was spent at various stores that morning. The thief/fraudster also tried to transfer money to other individuals via PayPal. In all, {$4800.00} ( see account statement attached ) was transferred from my XXXX Checking account to PayPal to cover the fraudulent transactions. I reported the money transfers and debit transactions to PayPal as fraudulent and they opened an investigation. PayPal reversed the money transfers but found the debit transactions as NOT fraudulent. They said I was responsible for the debit transactions totaling {$1900.00} as they were " consistent with my spending behavior ''. I also reported all the activity to XXXX as fraudulent as that is where the funds originated from that were spent with the newly opened PayPal debit card. I filed a police report with the city of XXXX XXXX, as that is where the theft occurred, and filed an ID theft report with the FTC. XXXX recognized this activity as fraudulent ( the {$4800.00} transferred from XXXX to Paypal ) and withdrew the money from PayPal resulting in a negative {$1900.00} balance in my PayPal account. I spoke with many PayPal customer service agents who agreed that the activity looked appeared fraudulent, and that I should definitely appeal the findings. I did appeal, but PayPal refused to formally recognize the debit transactions as fraud. The amount has now been placed with internal collections and I can no longer appeal the decision as I have already done so. I strongly believe if PayPal were to look at this closer that the activity would most certainly appear as fraud as within a few hours of time, a new debit card was opened on my account and thousands of dollars spent in various ways from my PayPal account. Also, if they could observe video footage of the stores in which this new PayPal debit card was used, they would see that I did NOT enter any of them at the time of the purchases ( or ever ). I have been a PayPal customer for over 15 years and never have spent that kind of money out of my account within such a short amount of time. It is definitely not consistent with my usual activity. How can they recognize the money transfers as fraudulent, but the debit transactions as not? I have included copies of my police report, ID theft report, PayPal receipts/transactions related to this, etc. I would be happy to provide official documentation of XXXX 's fraud claim findings, if necessary. Thanks.
Product: Mortgage

Our mortgage is with Ditech Financial. Our house recently flooded and my mortgage company will not release the insurance money for us to make repairs. Per their requests, we have sent a substitute XXXX for tax purposes, an estimate of repairs along with the adjuster 's estimate and an inspection form. Every time I call to see where the money is, I am told they need more information and then told to wait another 2-4 weeks for processing. I asked for a phone number to file a complaint and was told that they do not have a complaint number. I was told I could leave a message on the supervisor 's voicemail if I wanted to make a complaint. This has been going on for 3 months and they have yet to release any funds. I would like to file a complaint, and would like to have 50 % of the funds released to make the necessary repairs to my house. I would like for Ditech to be held accountable for their actions. Every time I call, I have to speak to another person and they tell me the person before gave me misinformation. I see no resolution in sight.
Product: Credit reporting or other personal consumer reports

I hereby formally declare that I have been a victim of identity theft, resulting in the unauthorized opening of an account at your financial institution, XXXX XXXX XXXX. My name is XXXX XXXX, and I reside at the address provided above. 

Recently, I became aware of the existence of an account opened in my name at your bank, of which I had no knowledge or authorization. According to the information provided by you, a total of {$840.00} dollars has been charged to this account, of which I have not made any transactions nor have I given my consent for such activity. 

I want to emphasize that at no time have I provided my personal information nor have I made any requests to open an account at XXXX XXXX XXXX. Therefore, I request your immediate cooperation to investigate this matter and take the necessary steps to close the account and reverse the unauthorized charges. 

Attached to this letter, you will find copies of any relevant documentation supporting my statement, including my official identification and any other information that may assist in the investigation of this incident.
Product: Debt collection

This XXXX debt was issue incorrectly as a results of extreme mess in the paper work in the office internal XXXX information, and added as an extra service wich one has been not provided for me because luck of XXXX. Is not true because I have XXXX PLUS XXXX + XXXX and this service never change since I 'm on XXXX. 
They overcharge me XXXX wanted to XXXX me off, but I always had insurance and I will NOT  pay this XXXX amount. 
I already also contact XXXX regarding that incident back from XXXX. I also never has been threated in XXXX - XXXX XXXX XXXX and I never go there after this incident. 
Please make investigation.
Product: Credit card

I try to " Convert Rewards '' over CapitalOne 's website, they try to do a verification with my phone number. Every time their website gives an error saying " We can not verify your phone number '' or " Sorry, we can not match that number to your name ''. I have this number on my name since XXXX  and it is with XXXX. This phone verification is the only option to " Convert Rewards '' to one of their third party partners ( XXXX XXXX XXXX ). They can not do this over phone and they do not provide any alternative verification options on their website. I called their support line multiple times over the week since XX/XX/XXXX and spoke with multiple agents. Nobody was able to solve my issue. They say they are working with a third part service and can not do anything about this. I bought this CapitalOne XXXX card only for this reason, and they are blocking me from using all the miles I had saved so far. I believe this is false advertisement and discrimination since other people can easily " Convert Rewards '' with their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint regarding inaccurate information on my credit report that I reported to Experian. Unfortunately, despite my initial contact on XX/XX/XXXX, I have not received any response from Experian regarding the disputed information. I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to address this matter. 
Below are the details of the inaccurate information and the required corrections : 1. Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00} 2. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2500.00} 3. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$9200.00} 4. Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$550.00} 5. Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1100.00} 6. Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$690.00} 7. Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1100.00} The above accounts were never late, contrary to the information on my credit report. I kindly request Experian to correct/update this inaccurate information on my credit report.