23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I initially contacted the bank about removing the PMI on my loan in XX/XX/XXXX and XX/XX/XXXX. They never gave me a reply. My XXXX was about XXXX  % at this time, which met the threshold for removal of the PMI. I reached out again in XX/XX/XXXX, and I was told that their requirements for removal were revised, and my loan did not meet them. My challenge with this is that customers were never notified about the new requirements. As of XX/XX/XXXX my loan has a XXXX ratio of about XXXX  %. I need the PMI removed from my loan.
Product: Debt collection

Upon reviewing my credit report, convergent outsourcing has reported a debt o f {$2100.00} on my XXXX report, account # XXXX, i do not owe this debt and i have not received any debt validation from the collection agency or the creditor, i therefore ask the company to provide proof of debt validation or said contract that itemizes the accumulation of such debt within 10 business days and to remove inaccurate, unverifiable information from my XXXX report, in accordance to fair credit reporting act. Thank you
Product: Money transfer, virtual currency, or money service

Paypal.com will not let me close my account nor access it to check for transaction disputes. This involves accounts associated with paypal.me/XXXX and paypal.me/XXXX I can not close/login or contact support for my primary account. And the secondary account has the name of CARE GIVER and I am unable to amend this data or close the account or contact paypal via this account in regard to my primary account. 

I want to remove donation links as I am not 503 ( c ) paypal.me/XXXX and paypal.me/XXXX  A video of me attempting to login with correct password is available at XXXX and XXXX has screenshots
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding recent credit file confirmation number : XXXX My name is XXXX XXXX and I recently received my Equifax credit file and noticed that there is still a major problem despite me having sent your dispute letters and account holder having sent you a police report for identity theft. The XXXX XXXX XXXX Account is NOT mine and it is NOT my charges that add up to that amount. ALL those charges were fraud and we filed an identity theft and police report and sent you copies. Now please remove that negative trade line from my credit file or else I will have to file an FCRA lawsuit against Equifax. 

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

I have paid off several accounts on my credit listed as collections or open unpaid accounts and it has been over 30 days since then. Each account is still listed on my credit report and my score has been negatively affected by this collection and the XXXX credit bureaus refusal to update my credit score by removing them by my background as they should. Per XXXX XXXX XXXX XXXX & the FCRA laws, anything that is negatively affecting my credit must be removed immediately. 

I have paid off and was told these collections were going to be removed from my credit report within 30 days. I made payments on XX/XX/year>, to the agencies listed below with confirmation numbers as well. Please have these removed from my background with all XXXX credit bureaus : Equifax, XXXX XXXX XXXX. I have listed XXXX disputes as well as my Equifax disputes to show that they are not honoring the Federal Laws for we the consumer. 
XXXX XXXX Account : XXXX - Paid {$650.00} - confirmation # : XXXX XXXX XXXX  XXXX Acct XXXX XXXX - Paid $ XXXX confirmation # XXXX XXXX  : Paid {$460.00} - Confirmation # XXXX XXXX  -Paid {$280.00} - Confirmation # XXXX XXXX XXXX - Paid {$480.00} - confirmation # XXXX They sold acct ending in XXXX on XX/XX/year>, to XXXX XXXX for collections as well XXXX That is against federal law. 
XXXX Card - Paid {$630.00} - Confirmation # XXXX XXXX XXXX  - Paid {$170.00} - Confirmation # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Close XXXX XXXX Account Name XXXX Account Number Credit Card Account Type Authorized user Responsibility XXXX XXXX  Account XXXX XX/XX/XXXX Date Opened Open/Never late. 
Status Updated XX/XX/XXXX $ 246 Monthly Payment {$8500.00} Credit Limit {$8900.00} {$8900.00} Balance Updated XX/XX/XXXX {$8400.00} This account is not mine, XXXX  removed this account, but TransUnion and XXXX still have this account under my name I attached dispute information from XXXX.
Product: Debt collection

So a while back in 2022  I had open up a gym membership with XXXX XXXX and few months later i had went to cancel that membership since i was moving close to another gym ( XXXX XXXX ) and they told me okay and they claimed they did so i just went about my life ever since. Now current day i had received i have a collection from them of {$900.00} and it dropped my credit XXXX points which is huge and i never been emailed or mailed anything since i left that gym about my membership still charging me or anything since they told me that they stop my membership which i know is totally not right since i been getting charged unknowingly since 2022 till they had recently closed earlier this year.
Product: Credit reporting or other personal consumer reports

Filed a dispute with Experian, the outcome was not handle fairly.
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 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 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. 

154 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 my 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: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. I previously sent a letter on XX/XX/2022 and set another letter on XX/XX/2022 to follow up the previous letters I sent. As of todays date Equifax, XXXX, and XXXX has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. I need the following accounts corrected and if the Credit Bureaus chose to not comply with the simple request, I would greatly appreciate it if the Credit Bureaus would remove the disputed accounts from my Credit Report : XXXX. XXXX XXXX  XXXX XXXX Balance Owed : {$1200.00} XXXX. XXXX  XXXX XXXX Balance Owed : {$490.00} XXXX. XXXX XXXX XXXX Balance Owed : {$10000.00}
Product: Mortgage

On XX/XX/year> I made a payment of {$1500.00}. I expected all of that to go toward my mortgage. Instead, {$1100.00} was applied to my XXXX payment ( I was/am behind ) and the remaining {$390.00} was applied to " Recoverable Advances ''. When the recoverable advances on first appeared on my statement I called and was told it was attorney 's fees from when I filed bankruptcy. I was assured at that time and multiple times after that my payments go toward my mortgage, and I had to call and request or write when I wanted money applied toward the " Recoverable Advances ''. When I received a statement later this month ( XX/XX/year> ) I noticed that the money had been applied to the " Recoverable Advances '' I called and spoke to a representative and she told me that she would have it reapplied and placed in " Suspense '' I informed her that I would be making another payment shortly. On XX/XX/year> I made a payment of {$730.00}. The {$390.00} which was supposed to have been reapplied to suspense account and had it been combined with the {$730.00} would have paid for the month of XXXX XXXX. I logged onto my account and noticed my XXXX payment had not been applied as expected and XX/XX/year>, was still outstanding. I contacted the lender again and I was told that the {$390.00} was not corrected and they would not be able to correct it. I recorded the entire call. I plan on making another payment on XX/XX/year> for XX/XX/year> mortgage payment then I'll be caught up moving into XXXX, however they are making it difficult by not applying the payments. They are claiming that {$1500.00} is a partial payment, however when I login my screen reads " {$1100.00} Your monthly payment was due on XX/XX/year> ( 56 days ) '' so they were able to apply XXXX payment from the {$1500.00} but not put the remainder in escrow or suspense, or per their web page just issue a refund? Instead, they are saying that because I'm delinquent they can use my money however they want. Now when I make XXXX payment it's going to go toward XXXX. Now I have to come up with an additional {$390.00} because I still won't be caught up on XX/XX/year>. Why are they making this so difficult. It's bad enough that currently the only way I'm allowed to pay them is via XXXX XXXX which adds processing fees from XXXX XXXX. I want my payments applied correctly nowhere does it say that they can just apply payments however they choose if I'm delinquent. My mortgage isn't my only financial responsibility and I'm working my tail off to get it current. In other words, I don't have an additional {$390.00} Every penny counts, and I'd like to get caught up, so I don't keep incurring late fees. I'm falling behind on other bills getting this caught up.
Product: Debt collection

National Recovery Agency A Responsible Revenue Recovery Company, has claimed i owed a dept. i told them this dept was not mine, they refused to tell me any information about the dept other then it was with XXXX and when i said i would call XXXX they claimed XXXX dsnt keep track of what and who owes them money. then today they called again stating they were dept collectors before confirming who they were speaking with. they had my name but stated and address i never lived at. stated i had confirmed the address with them and they had it recorded. i asked for the recording and they refused to pull it up. they are trying to collect false depts and are a scam. 

there number is 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 : 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 XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX  # XXXX 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 USC 168s-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: Credit reporting, credit repair services, or other personal consumer reports

I had a medical debt with XXXX XXXX that was sold to Medical Data Systems for {$1900.00}. XXXX XXXX agreed to settle for 20 % less but I paid off the remaining 80 % in full last month. I started a dispute when it was reported unpaid after the 80 % payment. During the dispute, Medical Data Systems responded by reporting back to the agency that {$380.00} is still owed. That is incorrect because the hospital settled for an 80 % payment. Experian closed it out with no counter-response from me and it appears as though the balance is still owed. I do no owe {$380.00} because XXXX settled. Please help with this. I am being treated unfairly. MDS doesnt accept partial payments so Im not sure how owing them {$380.00} of the {$1900.00} is possible. They also do not provide receipt of payments, only confirmation numbers so there is no real receipt I can provide to prove I paid the adjusted balance in full.
Product: Mortgage

XXXX XXXX, 2016 I have trying to refinance my mortgage since last XXXX, 2016. The current mortgage is with Seturus. This company has not provided my mortgage history. The history has not been provided by Seturus to me or the new mortgage company. 
This writing is my formal complaint for Seterus. Their telephone number is XXXX. The mortgage is under XXXX. The address is XXXX, Louisiana XXXX. 
My telephone is XXXX. 
In advance, thank you for assisting me with this complaint. 
XXXX
Product: Debt collection

My mom received a phone call from a debt collector last month in XXXX. They stated they were looking for me, trying to collect a debt that they state I owe, the amount of the debt, company they say I owe, and so on. They told her that if I didn't call them then they would take it a step further and would sue me. " She didn't want that to happen did she? '' is what was said. According to online records the company shows that they are permanently closed. I also tried to call back and no one answered. Fast forward to today ( XX/XX/2021 ) and I receive a pre-recorded phone call regarding a debt. The message states they have been trying to reach me in regards to an arrangement with their client. No one again answered when I called back. I haven't received any correspondence from this company, nothing is on my credit report regarding a collections account, and I have never had a company contact my family. I don't even know what it is in regards to. My mom didn't even know how they got her information or why they were calling her. I haven't changed my cell phone number in over 15 years and haven't moved in 4 years. This company is calling my family and giving them all of this information for a debt I know nothing about. I am not a minor so it's not even legal. I contacted them again today by email and asked that they only contact me by writing, but I am at a loss for what to do. They have a class action lawsuit against them, horrible reviews on the XXXX, and most reviews say they are scammers. 
I am looking for the harassing phone calls to stop but I don't know what to do. The company states they are Direct Recovery Services and XXXX XXXX called me today. A lady called my mom but she didn't write down her name.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I filed a dispute with Equifax, about inaccurate reporting information about my bankruptcy, I asked them to update the correct filing date, they responded back and said they verified the information through the county where I live. I then responded to them and informed them that they cant possible verify information through the county of michigan, because the county does not  have that information and does not give that information to credit company 's and third parties. The verification would have to come from the federal bankruptcy court in which it was filed, and the clerk off will not also give that information to credit company 's and third parties. so this is proof that a fraudulent verification was conducted, or not done at all. and if they used XXXX I have a security freeze with this company., so since they are unable to verify this information please remove this incorrect form my credit profile IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

XXXX. I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

XXXX5 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.
Product: Credit reporting or other personal consumer reports

BMG loans at work LLC and XXXX XXXX XXXX are reporting a debt to my report without my my consent. they are doing this without my written instruction. they continue to violate my privacy rights. Niether of these companies have certificate of authority to transact business in Michigan. They are not showing me any contract that shows i owe anything and if they did it would be an admission of violating multitudes of state and federal law without penalties and liabilities well over XXXX dollars. this violates the XXXX, FDCPA, GLBA, FACTA, Post Office Act. Wire Fraud Act. that's just the start. there's also multitudes of state law and public policy in violation.

In addition The Fair Credit Reporting Act states multiple times the importance due diligence, accuracy and the grave responsibility of reporting agencies. this information is inaccurate illegal and must be removed promptly in accordance with the law.
Product: Debt collection

XXXX has begun to delete these items. XXXX is in process. Complaints have also being filed with the Indiana Atty General, FTC, & XXXX XXXXXXXX XXXX XXXX. Inquiry has also been sent to a consumer protection attorney. I am fighting to keep XXXX  from readding these items by changing the dollar amounts and account numbers by 1 digit. 

I have attached the additional correspondence my atty initially sent ( XX/XX/XXXX ) encompassing ANY and ALL medical debt they receive. 

The response to my most recent complaint said they have gotten bills from as recent as XX/XX/XXXX insinuating these don't involve the malpractice suit regarding the incident in XX/XX/XXXX. This letter from my attorney is dated XX/XX/XXXX, MEANING YOU KNEW ABOUT THE REQUEST BEFORE YOU STARTED REPORTING THINGS from your stated date of XX/XX/XXXX. 

Recap : Dates of service XX/XX/XXXX- NOW ( XXXX ) Attorney letter sent AGAIN stating ALL BILLS YOU RECEIVE SHOULD BE HELD : XX/XX/XXXX You stated you have bills from XX/XX/XXXX ( Um, the letters to you from my lawyer naming your specific clients as well as ANY debt you receive was sent on XX/XX/XXXX ) M A R C H of XXXX XXXX XXXX ( XX/XX/XXXX ) TEXT FROM MOST RECENT COMPLAINT : These people are continuing to report inaccurate accounts on my credit! They have added XXXX accounts with different amounts. ALL OF THESE BILLS ARE PART OF SERVICES RENDERED THAT ARE NOW PART OF A MALPRACTICE LAWSUIT. DATES XX/XX/XXXX - CURRENT. They added an account to my credit for {$9.00}. XXXX DOLLARS! AGAIN, MY LAWYER HAS SENT THEM LETTERS REPEATEDLY AFTER VERIFYING ALL OF THE ACCOUNTS THEY HAVE WITH THEM ARE PART OF A MALPRACTICE LAWSUIT. ANY DATES OF SERVICE BETWEEN XX/XX/XXXX AND NOW ARE TO BE HELD, PER THE CRYSTAL CLEAR LETTER XXXX AND THEIR ILLITERATE CLIENTS FAIL TO READ. Any XXXX collections from Regional Recovery, XXXX XXXX, XXXX XXXX, or other medical related collections are being placed on my report out of spite due to pending litigation. Dates of service are XX/XX/XXXX to CURRENT. These entities have chosen to ignore repeated requests from counsel to pause collection efforts until case resolution. They are also changing account numbers and balances by 1 number to report the same debt more than once on my reports. Regional Recovery Services has a poor XXXX rating and are under investigation for consumer fraud. I have been successful in getting these accounts removed from my XXXX report but XXXX will just keep changing account numbers and amounts to add them back like they have been doing.
Product: Student loan

Navient is currently showing my loans as 30 days late, even though they are deferred by the Cares Act. The deferment from the act is automatic, so there is no reason they shouldn't correct and update this information on my report immediately.
Product: Checking or savings account

I was informed by NAVY FEDERAL CREDIT UNION THAT IF I USE MY OVERDRAFT ( XXXX  ) ACCOUNT, I WOULD NOT BE CHARGED AND EXTRA {$20.00} CHARGE. I LIVE IN XXXX XXXX AND TAKE AN XXXX TO VIRGINIA ( XXXX XXXXXXXX XXXX ) each month to take out my overdraft XXXX XXXX ACCOUNT ) WITH NO FEES/CHARGES. I HAVE BEEN CHARGED {$20.00} FOR EACH ACCOUNT ( 2 ) FOR SEVERAL YEARS, ALTHOUGH I USE THEIR ATM TO RELINQUISH MY OVERDRAFT. PLEASE HELP
Product: Debt collection

In Accordance with the fair credit reporting act 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted a complaint about this issue, that XXXX XXXX keeps updating and changing balance and making comments. This account was reported as closed. Then XX/XX/2019, this account was deleted and removed. Then yesterday, I'm not sure if Equifax was getting revenge for a previous complaint because 2 items were still on the credit report when in fact I have proof these accounts were deleted and removed. But yesterday, XXXX  XXXX that should be removed and was closed prior, made an update and a comment and EQUIFAX horrifically dropped my score 30 points! Usually when sun loan updates when they shouldnt be, Equifax never drop my score that much. I am devastated. I was just about to get a mortgage, I think they knew this because of the inquiry, so they destroyed my life by taking 30 points off from a deleted creditor.
Product: Money transfer, virtual currency, or money service

Coinbase requires a link in a verification email to be opened in order to login, however I had lost access to that email and as such I have lost access to my Coinbase account. I am not able to access my {$37000.00} balance or maintain security of my account. I did some research on how to regain access to the account, and followed their instructions pertaining to this particular scenario. Then, I contacted their support via e-mail on X/XX/17 to initiate a Coinbase Account Reset Process. As of today, there has been no response by a human to my case.