23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX is requesting payment for a debt to Paypal. All purchases are immediately paid and my business has no debts with Paypal. This is clearly a scam.
Product: Debt collection

I had a medical procedure back in XX/XX/2016 and was billed {$120.00} by the XXXX XXXX XXXX XXXX XXXX. My insurance paid the amount and I got a receipt from the XXXX XXXX XXXX XXXX XXXX ( attached below ). I also attached proofs of my insurance covering the amount. I disputed this issue to XXXX, XXXX, and XXXX and while XXXX and XXXX immediately erased the collection from my credit report, XXXX continues to hold that the collection is mine responsibility even though I have the necessary proofs that the collection is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I receive a notification of a Pentagon Federal credit card being added to my credit report causing a negative effect on my credit score. This account has XXXX listed as an Authorized User on the card. This is a card I have no knowledge about never knew I was added to this card. So I called Pentagon Federal Credit Union to ask why was this added to my credit report and I have no knowledge of this. I then said that I would like to be remove as an authorized user because I never gave permission to be added to the account. The representative told me when I spoke to her to send in a written letter asking to be remove because I have no knowledge of the card. I did such, and they called me and told me that I couldnt be remove because the owner of the account has to remove me. She then asked me if I could make a payment I told her a payment I am not responsible for this account and make it worse I dont have knowledge of if.. They Decline my request. I then Ask them if there is any other way that I could be remove the clearly told me no.. I the. Dispute it 3 times and the results came back saying the the card is mine. I have tried over and over asking Pentagon to please please just remove my name because its adversely affecting my credit score, and affecting me from becoming a homeowner. I can not get a mortgage loan and would not be a candidate to even apply because of what Pentagon Federal Credit Union is doing to me.. Please help me.. 

XXXX XXXX XXXX 1. Disputed Conf # XXXX 2. Disputed Conf # XXXX 3. Disputed Conf # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been denied credit on a fairly consistent basis. Ive disputed closed accounts on my report and CB will not remove them as they continue to report. The dates of last payment and last reported on all my accounts differ between all 3 major CBs. I have reported that they have undesirable and injurious information that is not allowing me to obtain credit. These accounts feel like I am tied to an anchor and dropped in the middle of the sea. 

Please help me!!!!!!!!
Product: Mortgage

Company said to call XXXX XXXX about my funds for rebuilding my home. This was in their letter dated XX/XX/2021, attached. When I called they refused to transfer my call to XXXX even though I had selected option 3 as directed in the letter. When I tried to find out who I was speaking to I got hung up on. A company called XXXX XXXX said they did an inspection on XX/XX/2021 and came on to my property without my permission and took photos of my container home and or my storage container. They did not inspect the home, the foundation, the septic or the well for the new home. They refuse to provide me copies of the photos they took without permission. I am unable to access my funds for rebuilding my home. I am unable to contact the person they said to contact in the letter. Each time I try I get hung up on and abused as a XXXX person. Since the bank has refused to work with me regarding the rebuilding of my home and since construction costs continue to rise the bank has compromised my ability to rebuild. They refuse to accommodate my XXXX and refuse to adjust my escrow since I am paying my own taxes. According to their letter I need to pay and have transportation in order to communicate with them. This is an unfair action and makes my XXXX worse.
Product: Credit reporting, credit repair services, 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 these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allow my personal information to be hacked. As a result, my personal information has been stolen.
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. 

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 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. 

And according to the fair credit reporting act 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 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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: Mortgage

I received a letter from the foreclosure Attorney Wilson & Associates for a property foreclosure sale on my home XX/XX/2018.

The letter is dated XX/XX/2018 and I received the letter XX/XX/2018.

In my research I found information that pertains to the Tennessee law that states the homeowner is to be given 30 day notice prior to the property foreclosure sale. I've submitted a modification request to XXXX XXXX with financials.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB : Please be that advised this statement and request submitted through the CFPB will serve as a formal complaint that Experian ( ( CREDIT BUREAU ) ) failed to properly conduct an investigation/dispute wherein the company, did not acknowledge my dispute, respond to my dispute, and failed to notify me of any results and/or updates regarding the disputed accounts within the federally controlled/allotted days of 30-45 days according to the Fair Credit Reporting Acts Guidelines of handling a dispute. My dispute was sent on XXXX XXXX XXXX sent certified mail with USPS Tracking XXXX XXXX XXXX XXXX XXXX XXXX As per my civil rights, the items I felt are inaccurate. It has been well over 30 days and I have received no reply. I have included a copy of my original mailing and my mail receipt for your records as well as mine to which I have submitted this dispute. Please take immediate action to rectify these issues. 
I look forward to your timely response and to receiving an updated copy of my credit report as per my initial request where the items in question should be deleted. TIME IS OF THE ESSENCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Macys/DSNB acknowledged receipt of my dispute on XX/XX/2021 but failed to comply with the requirements to provide me with all of the required disclosures within 3 days under 15 U.S. Code 1681d ( a ) before causing an investigative consumer report to be prepared.

It is stated according to 15 U.S. Code 1682d ( a ) that a person may not procure or cause to be prepared an investigative consumer report on any consumer unless it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made. 

The debt collector did not provide me with any required disclosure prior to causing the investigative consumer report to be prepared. 

Attached are my exhibit to support my claim. They respond to my complaint on XX/XX/2021 alleging that an investigation was launched and closed. They also acknowledged receiving my complaint through the Consumer Financial Protection Bureau on XX/XX/2021 meaning, before preparing the report, by law ; they were supposed to provide me with a disclosure pursuant to 15 USC 1681d ( a ) no later than XX/XX/2021 which they did not do. 

This is a violation under the section.
Product: Debt collection

This company has called many times and I have asked them to cease and desist all communication with me. This company is not LISCENSED to collect debt in my State and has illegally obtained my information for a debt that I am not positive is mine. According to XXXX, this company does not have registration in the state of Florida. Therefore, I want this removed from my credit!
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TRIED FOR THE BETTER PART OF THE LAST YEAR TO PLACE A FREEZE ON MY CONSUMER REPORT FROM FACTOR TRUST. FACTOR TRUST HAS MADE IT INCREASINGLY DIFFICULT TO PLACE A FREEZE. WHEN I ATTEMPT TO PLACE THE FREEZE ONLINE I AM TOLD THAT THERE IS NO ACCOUNT WITH MY INFORMATION IN THEIR SYSTEM. I HAVE CALLED AND SPOKEN WITH REPRESENTATIVES AS WELL AS MANAGERS AND WAS TOLD THIS WOULD BE ESCALATED AND STILL NOTHING. THE COMPANY TELLS ME THE REASON THAT I CAN NOT PLACE THE FREEZE IS DUE TO THEM NOT HAVING MY ADDRESS OR BIRTHDATE ON FILE. THE COMPANY IS FURNISHING INFORMATION ABOUT ME TO XXXX CREDIT REPORT YET THEY DO NOT HAVE FULL AND COMPLETE INFORMATION. THIS HAS SEVERELY HURT ME AS I HAVE ATTEMPTED TO CORRECT ERRORS ON MY XXXX CREDIT REPORT. IT HAS CAUSED DENIALS ON MY AUTO LOANS AND HAS CAUSED SEVERE XXXX XXXX ALONG WITH SEVERE XXXX  AND XXXX. THIS IS AGAINST FCRA REGULATIONS AS WELL AS THEY ARE CONFRIMING THINGS ON MY XXXX XXXX WITHOUT HAVING SUFFICIENT INFORMATION TO VERIFY THAT ALL INFORMATION GIVEN IS ACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to report a XXXX XXXX account # XXXX as derogatory. This account has been either closed 10 years ago and/or is part of a discharged bankruptcy ( 2015 ). 

***Negative reporting on a discharged debt is a violation of the permanent injunction of my bankruptcy discharge. *** Transunion is violating the bankruptcy code. I am considering the possibility of re-opening my bankruptcy case for contempt action against Transunion. 

I am requesting that Transunion CEASE and DESIST their negative reporting of this XXXX XXXX account.
Product: Money transfer, virtual currency, or money service

On XX/XX/21 my account was hacked and 3 transactions were withdrawn from my account. {$1000.00} XXXX {$1500.00} XXXX and XXXX wire. I'm and XXXX year old man and have never done any wires or XXXX transactions before. I was never contacted by the bank to alert me to the activity and I thought I had filed a claim, but never received any paperwork to confirm it was processed. I went to the branch on XXXX and was the would process a claim. I later called the dispute center and was told the XXXX payments were denied because they could not reach me. This is false I was never contacted and I'm still within the 60 days to dispute the transactions, but I keep getting misdirected on next steps. I spoke to family and Im suppose to be able to file a REG E claim and no documents were every provided to me and no confirmation of my claim. Not only am I being taken advantage of my the people who commit fraud, but also my bank that is suppose to protect my money. The ref numbers I had to call and fight to get to confirm I have some claim is XXXX and XXXX. I was told by family that a REG E claim I should be credited within 10 days on my dispute and I have not received paperwork or a credit for the claims totaling {$12000.00}. I don't know how in the world they could process a wire without ever contacting me. My credit union procedures have measures in place to do call backs and confirm the transaction. NOTHING has been provided to me while I sit and worry about how to get this money back. I believe they are in violation of REG E as they have not provided me any documents for my claim, I had to call 8 times to get the ref numbers. They are taking advantage of my age and the fact that fraud was committed against me and my money was stolen and they did nothing to protect me. I was not aware these transactions were taking place in my account.
Product: Credit reporting or other personal consumer reports

accounts was open fraudulent in my name witout my knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account which is not mine ( XXXX XXXX XXXX XXXX ) with Experian for over 7 months now and nothing being done. This account was removed from my XXXX and XXXX Credit reports because they done a real investigation and found out this account is fraudulent. The account being reported multiple times on my experian report at one time it was being reported as XXXX different accounts plus so much more and its very upsetting. I demand this account to be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and the XXXX breach and may have gotten into the hands of the wrong person..
Product: Student loan

I have student loans that were originally being serviced through Sallie Mae, but are now through Navient. When I entered repayment after my 6 month grace period, I was give inaccurate information about repayment options on more than 1 occasion. Navient consistently told me that the lowest payment plan I could be on was the plan that capped my payments at 20 % of my discretionary income. This was incorrect information as I later found out. There was an income based repayment plan that allowed me to pay 10 % of my discretionary income. As a result, I ended up making extremely high payments for the first 2 years of my repayment. Once I found out ( through my own research ) that I could have lower payments, I switched to that option right away. However, this overpayment drastically impacted every single career decision I've made and has caused me to lose out on the opportunity to benefit from public loan forgiveness after 120 payments. I chose to leave public service because I calculated that I would not benefit from the forgiveness plan given that my monthly payments were so high. I made a decision to try and pay all of my extra income to my loan since I was under the impression that I would not benefit from public loan forgiveness ( my payments were around $ XXXX x 120 months = XXXX, which was higher than my principal balance ). 

Secondly, I decided that I should look for a different position outside of public service so that I could afford my loan payments. If I had been given truthful information from day 1 of my loan repayment, I would have stayed in public service and only had 4 years left before being eligible for forgiveness. I would have had much lower payments so that in the end of my 10 year repayment period, there would be a balance left to forgive on my loans. 

Navient illegally cheated me out of my rights to lower payments, and as a result I will end up having to pay the entire balance out of pocket rather than being able to benefit from public loan forgiveness. I would hope to receive some kind of resolution to this complaint, as it seems like Navient systematically deceived borrows in this manner and are now the subject of a class action law suit. Their practices have forced me to make decisions I would not have otherwise made about my life, where I live, and my career, and have caused huge financial burdens and stress.
Product: Money transfer, virtual currency, or money service

On XXXX, XXXX, I was hacked in the morning at XXXX XXXX. I got a text message at XXXX XXXX about a recipient being added to XXXX, XXXX XXXX. I went to my computer and changed my information including my username and password. This hacker made three transactions of XXXX using XXXX. Then they did a wire transfer XXXX, but it didn't go through. I called the fraud department at XXXX XXXX  to open a claim. I got a mail on the XXXX of XXXX from the Wells Fargo fraud department and provided as much information including the recipient, and phone numbers that were added to my account. I was denied on the XXXX saying, " Our research shows the transactions were made through a secure online banking session by you or someone who had your authority and that no other processing errors occurred. Based on this information, we determined the transactions were authorized. We have closed your claim. '' Now, I'm here on CFPB trying to get the money that was stolen from me.
Product: Mortgage

Dear CFPB, My name is XXXX XXXX XXXX I am the son of XXXX XXXX XXXX Deceased XXXX and XXXX XXXX XXXX deceased XXXX after my mother died in XXXX, I was getting letters from the Law Firm of XXXX and XXXX XXXX from XXXX, saying they were representing JP Morgan Chase Bank on about XXXX/XXXX/XXXX they filed foreclosure against me and I was illegally evicted and all my property was stolen and destroyed I am alledgeing that the note was paid off with a POD instrument that my dad had for me. They filed a foreclousure in XXXX XXXX Illinois case # is XXXX they had no standing to sue and then they illegally evicted me without a forcible and entry detainer lawsuit being filed. I know their was foul play going on. Can you please investigate for theft of my parents money and property and destruction of property XXXX XXXX XXXX I now live at XXXX XXXX XXXX, XXXX XXXX XXXX, Illinois XXXX XXXX
Product: Checking or savings account

I was told that I could not recieve another debit card due to excessive unauthorized transactions. I was never given notice that I would not recieve another debit card if someone had access to my account and I cancelled the card. I am a victim of the data breach from XXXX XXXX so my information is compromised. The denial of a new card has caused hardships already as it has only been a few days. I can not use XXXX to move money, i can not make payments on certain bills because of this and I have limited access to my funds. Had someone notified me of the card issuance suspension, I would never have had let the security department XXXX XXXXXXXX XXXX  cancel the card also that department could have told me. I XXXX as told that no one had the power to assist with this issue.
Product: Debt collection

Over a series of months I have contacted this company on multiple occasions through certified mail and emails asking them to provide me terms for payment as well as how to pay this debt, they have ignored every form of contact and will not provide me any information on how to settle this debt. They are putting it on my credit report and refusing to give me the information I need to even pay it.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX # XXXX, DEPT OF ED/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  # 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 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 card or prepaid card

My complaint is against Barclays Bank. 

I have a XXXX XXXX Visa card. 

Today I received an announcement from Barclays that the XXXX XXXX card will be converted to a Barclays card. 

I have no relationship with Barclays and do not wish to have a relationship with Barclays. 

The announcement says that even if I refuse to accept the change, they will issue a new card anyway, and then close it. 

Here 's the exact wording : " Even if you reject these changes and we close your account, your account will still be converted to a new XXXX XXXX XXXX Mastercard from Barclays and you will receive a new credit card ... .. '' I do not want a new account to be reported to the credit bureaus. 

Barclays has no right to force a new account upon me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer reporting agencys ( XXXX, transunion ) they are illigally attaching the transaction history. Payments made, on time or late. Account History. Credit usage. Against my rights under the XXXX  passed FCRA law.
Product: Debt collection

I informed this company I was represented by a lawyer, in XX/XX/XXXX. I requested they contact them directly. 

They continue to call and bother myself and my mother after multiple request to stop.