23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I submitted a request for assistance with my mortgage on XX/XX/XXXX after missing two payments. Knowing my income was limited in the sXXXX XXXX XXXX XXXX and due to costs related to an out of town XXXX  all summer for my XXXX son, I had tried to apply after missing the first month, but was told I was not behind enough to file. As I am in an active XXXXXXXX XXXXXXXX bankruptcy, additional paperwork was required for the request and the company, Reliance First Capital through XXXX kept sending back paperwork as incorrect and did not accept my request until XX/XX/XXXX ( after XXXX total submissions ). When I called on XX/XX/XXXX, they stated I should call back in 7-10 days for an answer. I called 10 days later and was then informed it would take up to 30 days to process the request. On XX/XX/XXXX, I met with a VA social worker to see if any help was available through the VA. She helped me submit an application to a local organization, but was told a few days before the application was due that they needed a current mortgage statement. The last statement I received was on XX/XX/XXXX which had been sent directly to my attorney. Because I am in bankruptcy, Reliance First Capital cut off my access to all online functions, including accessing statements. I contact Reliance and was given three different departments to reach out to with the final only being an email. The last representative I talked to said that the assistance agency should already have access to them via an online portal for service agencies nationwide. When I asked for the address for this website, I was told only service agencies were allowed access. I emailed the final department requesting my statements be mailed to me and a current statement faxed to the social worker. They did not send the fax and I still have yet to receive a single statement in the mail. Due to this, I did not receive the offer red assistance. I called today, the 30 day mark, and was told my request was denied because the VA said I had insufficient income. A letter had been mailed and I should receive it shortly. To appeal, I had to send back a letter after receiving the denial by XXXX XXXX. This company has given.me the runaround since after I closed my loan. My credit report even shows the loan with a XXXX balance! These people are scam artists who set up their clients to fail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to take proper precautions to safeguard my personally identifying information, including but not limited to SSN, DOB, Name, Addresses, Driver 's License number, and credit card numbers, placing me at serious risk of identity theft and other crimes, through no fault of my own.
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 Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

The company sued me in the state of Iowa where I do not live. In addition their process server left a note on my former residence ( which was sent to me ) listing the case number. Searching Iowa Courts for the information yields the name of the company " XXXX XXXX ''. XXXX  the company makes it clear they are a debt collection company. This note was left in a public place where it was collected by a third party who gathered the above information before contacting me. This is not permissible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out these companies thur via the credit Bureau and I haven't heard any response, feel I've been ignored and degraded XXXX a XXXX  of proud and I demand this incorrect, inaccurate, and unverifiable Information ( inquiries ) be deleted from my report. 60 Days later no response is insane why take of someone who is trying so hard as a XXXX  mother. They do not legally own this debt and I do not either so remove because that means this account is not 100 % accurate on my credit report by consumer law my credit report is to be 100 % accurate at all times or Violation fees of {$1000.00} per violation can be served.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 
Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I received a payment to my Paypal account in the amount of XXXX on XX/XX/2018. Two days later, I noticed the amount was not being reflected in my balance and reached out to Paypal support for help. I have been in contact with them multiple times and have followed all of their instructions : opening a ticket with their XXXX technical support, waiting 24 hours for the fix, waiting a week for the fix, opening a second ticket with their XXXX team, etc. I even suggested ways they could fix the issue like issuing a credit to my account. 

They have now stopped responding to my enquires and have not provided the funds or any additional information.
Product: Debt collection

Pressler & Pressler has been told repeatedly that this is fraudulent debt. They even have a fake address on file from their creditor XXXX XXXX. Despite being told repeatedly, they continue to use bullying tactics, ignoring that it has been reported to both Them and XXXX XXXX as fraudulent. They have no records of the card being opened or who opened it, which would prove that it is fraudulent. 

They consistently have to 'check information ' then don't call back. Today I spoke with XXXX XXXX who didn't even know their License # for debt collector and indicated he was representing the attorney 's office not the debt collector. XXXX refused to provide the information needed on the affidavit of fraud and refused to send it to his work address as per request. He also refused to provide the same affidavit information electronically or by fax. 
He asked for an affidavit but refused to provide the information needed to clear the debt. 

They claim they responded to a former complaint to CFPB on XX/XX/XXXX but they refuse to indicate what their response is to the fraudulent debt charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit and noticed there was creditors on there that i did not apply for and use there services. I have already request for proof of purchase. The creditor has not provided such proof.
Product: Credit card or prepaid card

In  2015 I was trying to build up my credit so I applied for a card through Walmart, I got approved for a card with a {$500.00} dollar limit, my first payment made online went through fine, when I went to pay it again they charged me a  XXXX  dollar fee. I was only paying a little over half the bill due to a small lack of funds at the time but I had hoped to be able to pay the other half with my next check. I only had a little over {$60.00} dollars in my bank account so I thought to pay {$30.00} on my card, when I went to check my account balance the next day it shows that they took out the whole {$60.00} even though I had only stated in the payment to pay {$30.00}. I thought maybe it was a one time only thing since I was paying online, so the next time went to make a payment online I checked and sure enough I got charged again. I was struggling with funds due to a small lack of some income that had stopped temporarily. I just quit using the card at the time and made no more payments. I had planned on paying it off with taxes the next year but by then it was with a creditor. I do not remember reading anything in the fine print of charging any kind of online processing fee, I know several people who have had cards through Walmart and ha ve had no problems,
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance Owed : {$16000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3400.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$7400.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$940.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$2000.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/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: Payday loan, title loan, or personal loan

I receiced a payday loan in XXXX and I called them to try to set a payment plan to pay the XXXX. I can't remember the results but they started calling and telling I was going to jail so I ceased all communication. In XXXX I was trying find a actual loan company to get help on a down payment and the website had me input my info which directed to multiple websites but I never received a loan and in XXXX I started receiving calls from different collection agencies saying I defaulted on a loan for {$1200.00} or more that I received in XXXX which defaulted in XXXX thay kept telling me I was being sued I told them to mail me the documents or email them to me the agent became hostile and hung up on me. On XX/XX/XXXX XXXX XXXX from XXXX contacted me about Ezcorp and I told her I didn't receive an installment loan in XXXX the only loan I received was XXXX payday loan in XXXX even though the collection attempts was outside of the limitations of being sued out of good faith I made an arrangement to pay XXXX in XXXX installments of XXXX with the final payment payed on XX/XX/XXXX and I just called XXXX XX/XX/XXXX to see why XXXX still being called the phone number XXXX is no longer in service. In XXXX of XXXX the phone XXXX has been calling I've ignored this number until today XX/XX/XXXX and when I answered the number it directed me to call XXXX XXXX now I can't reach the number that I just dialed XXXX minutes ago in which they said the company name so fast and I told them to send me documents stating a got a loan in XXXX they hung up and I called back they hung up again and now the numbers are no longer in service Ezcorp XXXX to be held responsible this is going to be ongoing situation and the companies that are calling are using there name.
Product: Credit reporting

Transunion is reporting a bankruptcy that was discharged I sent them a dispute they stated they verified thru XXXX I have enclosed a letter from the clerk of court which they Do Not provide or verify bankruptcy Transunion violated the Fair Credit Act by providing me False information I want the bankruptcy deleted from my file
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts I have listed below XXXX BANK XXXX rights have been violated in accordance with the Fair Credit Reporting Act. 15USC 1681 SECTION 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
15 U.S.C. 1681a ( 2 ) ( A ) ( I ) Exclusions. The term " consumer report '' does not include any report containing information solely as to transactions ( payments are transactions ) or experiences between the consumer and the person making the report ;
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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: Bank account or service

My PayPal  account (  XXXX  XXXX  XXXX  ) was permanently limited on   XXXX   XXXX   XXXX    . During that time, I had opened a significantly not as described ( missing parts ) claim against  XXXX   XXXX . This claim was resolved in my favor today (  X/XX/2017    ). However, over {$400.00} was refunded back to my  PayPal balance,  and I am unable to withdraw this money due to my limitation.   I have submitted a previous complaint addressing the limitation, so I will not dive into details here. In summary, I have ha  d this PayPal account for over 3 years with zero negative records, and have always abided by PayPal 's User agreement.
I am requesting that my PayPal balance be made available for immediate bank withdrawal. Since this is my money which I paid for a significantly not as described product, it makes no sense that it is being held from me. The case has been closed in my favor, and as such, I should have access to my funds.
Again, a refund which was issued to me is being held for no reason, please make my PayPal balance available for withdrawal.
Thank you for your help and consideration.
Product: Checking or savings account

On XX/XX/XXXX I received a text alert from Chime asking if I tried to make a purchase for {$80.00} I replied No because I didnt make no transactions. I received a follow up text stating a representative would be with me shortly. I received the call, the rep told me there was a transaction currently trying to be made on my account I stated I was at work I hadnt made no purchase ( s ) that day. The rep had me go into my account tell him my balance for whatever reason and to turn off the transactions from being made on my account. I did as instructed and received a text asking me to send XXXX XXXX the amount in my account I said No I will not. He stated transactions are off its just a test so I did as instructed. He then told me my XXXX XXXX card I just received was hacked I needed to get a new card which I just received for the same reason hacked. He stated it was hacked before I even received the card which was not activated until I received it. He asked if I has XXXX XXXX and if my account was linked with my Chime account I stated yes. He then asked me to hold which I did for about XXXX minutes and he told me to log into my XXXX XXXX account which was odd to me. At that moment I seen the amount that was in my checking account sent via XXXX XXXX to a XXXX which I did not do. It said for testing. I was hung up on so I called back to get no answer for the next XXXX hours finally getting a rep who stated she made a note of my complaint on XX/XX/XXXX to call back after it had been XXXX hours. I called in the XXXX hours rep took my information said she started a dispute on the transaction I could log into my account and follow up on it see where it was day to day. The next morning which was Saturday I recall it had been closed and I didnt receive why their reason was by email like the rep stated I would receive. I have called back to talk to a representative only to be hung up on. I canceled the cards and they are mailing new cards to me but it does not put my stolen money back into my account!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX is claiming I owe them {$5300.00}. I don't know who they are. I have asked them to validate this debt with verification of my signature and they have not. At no time have they validated their claim pursuant to 15USC 1692e ( 809 ).

Please tell them to remove this false and negative reporting which is against 15 USC 1692 2 ( a )
Product: Mortgage

I have a XXXX XXXX loan. I am XXXX and on a fixed income. I applied for a loan modification with my lender Nationstar currently known as XXXX XXXX, and I was denied at first, then I went thru XXXX, and my modification was accepted. I did my 3 trial modification payments and received my final documents from XXXX XXXX. They added 19 years to my loan. I got my loan in XXXX. With all the late fees they say I am behind on my loan by XXXX. My principal balance went from {$160000.00} to {$190000.00} + {$5900.00} was deferred to the end of the loan. The loan went from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX, 19 years added, no late fees deducted, and a balloon payment at the end of XXXX. I feel like XXXX XXXX is doing predatory lending.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the fraudulent accounts listed on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) 609. I have identified accounts that do not belong to me and have been opened without my knowledge or consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you investigate these accounts promptly. Under FCRA 609, I have the right to request the disclosure of the information in my file, and I am also entitled to have fraudulent information removed.

Please be advised that you have four ( 4 ) days to remove these fraudulent accounts from my credit report. I am attaching my FTC identity theft complaint for your reference and further validation of my claims.

Thank you for your prompt attention to this matter. I look forward to your swift response. 

Sincerely, XXXX XXXX
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 XXXXXXXX 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: Debt collection

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
Product: Debt collection

They want you to pay them more than {$7000.00} plus interest after XXXX XXXX XXXX. My husband and I are XXXX  and the XXXX  does not cover the debts we have. My daughter sends me the money to pay for the car we have today because the one we had melted the engine. My husband has had XXXX operations and on the XXXX of this month he has another operation and we are on the verge of despair and now with this threat. The car paid for XXXX and a half years nothing more if they want to take it but they will have to pay the letter plus the full coverage insurance for XXXX more years. Money in the bank we only have the monthly withdrawal XXXX to pay the bills that we all have for the rest of our lives..
Product: Debt collection

Paragon Revenue Group has made attempts to contact me about a debt that is not mines and I don't owe them. I want them to stop all collection attempts asap.