23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been trying to get my mortgage service r to explain to me for 9 months why i owe more money then was agreed to when i modified the mortgage. They have hit me with force-placed insurance multiple times totaling XXXX even after i have shown them time and time again that i have insurance policy with my Home owners association. They keep saying they never got the policy that i sent them. They have also hit with Attorney fees as recent as XX/XX/XXXX. The total i owe them for differed interest is listed on the attachment i am sending you with this complaint. XXXX. This is the agreed terms of the modification. They are claiming i owe them XXXX. In addition to that they want {$2600.00} for the force-placed insurance. Now they have sent me letters that they have sold the mortgage again. I have reason to believe they are doing this to complicate matters further.
Product: Credit reporting, credit repair services, or other personal consumer reports

I MISSED A DOCUMENT ON THE LAST COMPLAINTS. DO NOT CLOSE I HAVE NOT MADE A COMPLAINT LIKE THS My name is XXXX XXXX. I am not a third party. I am making this complaint on my own behalf. I was a victim of identity theft and see all the fraudulent unauthorized accounts on my report. I already contact the creditors and got the accounts closed. I also see unauthorized addresses on my report. Again I am not a third party. FRAUDULENT ADDRESS : 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 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 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 Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : 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, credit repair services, or other personal consumer reports

I am writing in response to your current evaluation. I have to pursue my efforts to resolve these matters which require intent to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. 
XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX Account Number XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : 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 XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

i have been disputing an alleged account from XXXX  XXXX .it was in litigation in XXXX XXXX florida .the judge said i won the case the attorney for XXXX XXXX is XXXX XXXX he is still reporting this i can not talk to XXXX   XXXX because it directly sends me to this attorney they are reporting it every month in a unethical manner to drive my score down. which i believe violates the f.d.c.p.a. an the f.c.c.p.a.and all three credit agencies refuse to take it off my report, Evan sending them documents to prove i wasnt lying ... the numerous disputes has gotten me no wear but time added on to this account.XXXX XXXX owes me XXXX dollars.that his law firm has refused to pay.the law offices of XXXX XXXX XXXX out of XXXX  florida. i just want it removed from my credit report.
Product: Mortgage

XX/XX/XXXX I received a loan modification from XXXX XXXX XXXX ( BOA ) with the trial period of 3 payments of {$2300.00} to be paid ( XXXX, XXXX, XXXX ) After the 2nd trial payment had been made I was informed by BOA that the loan would be transferred on XX/XX/XXXX to XXXX XXXX XXXX and all terms would remain the same and that I would have to pay the third trial payment to BSI. Which I did. I made mortgage payments to XXXX until XXXX XXXX loan was transferred again in XX/XX/XXXX to Fay Services ( FS ) who refuses to honor the original modification from XXXX. I made payments to FS from XX/XX/XXXX to XX/XX/XXXX and was constantly being told I was making partial payments. As a result of this situation I have been forced into bankruptcy to try to get this resolved ... .even up to present ... FS also would not provide my monthly mortgage statement to me or my credit union to help me with the financial situation
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX Balance Owed : {$7600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent several letters over the past six months and there has been no change in my report. I am requesting that this is removed from my report. 

XXXX XXXX Opened : XX/XX/XXXX Balance : {$380.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX  ACC XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX/XXXX/XXXX  A XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX/XXXX  XXXX-XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Equifax US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XXXX  XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX XXXX XXXX  XXXX Account number XXXX, and XXXX XXXX XXXX  XXXX Account number XXXX has violated my rights. 

15 USC 1681 Section 602 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 a 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 and purpose.
Product: Mortgage

We were sent a loan estimate at the start of the loan process and it listed our origination fee at 1 %. We are now almost at closing and are origination fee is now at 4 % and they want to charge us {$3000.00} to buy down the rate. The rate but down was never discussed and I never received any disclosure. They said it was because my loan has been in process for 78 days. Which I was not at fault for.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of Birth : XX/XX/XXXXXXXX XXXX XXXX XXXX ID Type : Drivers License ID Number : XXXX XXXX XXXX XXXX XXXX XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers Bank : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I don't recognize the following accounts in question. Im a victim of identity theft and I don't recognize these accounts on my report. Im requesting the following information be deleted from my early warnings consumer report immediately This inaccurate information is in violation of the Fair Credit Reporting Act ( FCRA ), which states that consumer reporting agencies such as Early Warning Services must provide accurate and up-to-date information on consumer reports.Please provide proof by way of a signed agreement that these accounts are mine. If you can not provide proof, please remove these inaccuracies from my report. This discrepancy is causing harm to my XXXX XXXX and overall financial well-being. 



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

It has been several attempts to delete misleading, fraudulent, inaccurate, and incomplete information on my credit reports. The credit reporting companies have refused to properly investigate and delete requested information from my report. Please help, this is a violation of consumer protection of privacy under FCRA.
Product: Money transfer, virtual currency, or money service

Dear PayPal, I am writing to express my deep concern and disappointment with the recent decision to permanently limit my PayPal account. I believe that this limitation has been placed by mistake, and I have not violated any of PayPal 's policies. 

I have been a loyal PayPal user for many years and have always conducted myself in accordance with your policies and guidelines. I have never engaged in any fraudulent or illegal activities, and I have always been transparent and honest in my dealings with PayPal. 

I am therefore extremely surprised and dismayed that my account has been permanently limited. I firmly believe that this decision was made in error, and I would like to request that PayPal re-investigate my case and restore my account if possible. 

I would be more than happy to provide any additional information or documentation that may be required to support my case. I believe that my account has been unfairly targeted, and I am confident that a thorough investigation will reveal that there has been a mistake. 

Finally, I would like to confirm that the email address on my PayPal account is XXXX. I am eagerly awaiting your response and hope that we can resolve this matter as quickly as possible. 

Thank you for your time and attention. 

Sincerely, [ XXXX XXXX XXXX
Product: Debt collection

Southwest Credit Systems sent several harassing phone calls to my parents and, a few weeks later, sent me a bill saying I owe XXXX {$400.00}. I contacted XXXX which confirmed that my balance was paid and that I did not owe anything. XXXX faxed confirmation of this to SCS. SCS refuses to confirm that they received fax and insists I pay this bill that I do not owe.
Product: Debt collection

After numerous attempts to resolve this situation, I have no other option but to seek outside assistance with this matter. I have contacted both Transworld Systems Inc and  XXXX , only to be told that the account was " Verified '' by the creditor. When I inquired into WHAT METHOD was used to verify the account, as well as WHO " Verified '' it, I have yet to receive a response. I am a victim of Identity Theft, who is desperately trying to get my LIFE back to some form of normalcy after going through this chaos for the past few years. I have been in constant contact with the Credit Bureaus since  XXXX  of   XXXX  . Transworld Systems Inc is claiming that I owe a debt of {$35.00}. I have NO recollection of this debt, and would greatly appreciate any help in rectifying this discrepancy.
Product: Bank account or service

I received two fake emails from XXXX at XXXX pm on XX/XX/2017. The emails contained my personal email address with a large deposit approved notification that was n't mine. I contacted USBANK and spoke to four different employees that were unwilling to log the potential IT problem into supervisory systems. My concern was that they are either USBANK internally is unintentionally sharing customer information or that their customer email addresses were stolen. I asked to have all my accounts frozen and then have the item reported. I was then hung up on by the representative. I did get some action from one representative who asked me to forward the emails to XXXX, but I had to talk to five representatives to get this to occur. I still was unsuccessful in getting my account frozen. I believe there may have been a PII breach and the bank 's response is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VITIM OF IDENTITYTHEFT. I GOT NOTIFICATION THAT MY INFORMATION WAS AS COMPROMISED. I'M TRYING TO GET THIS ISSUE REMOVED WITHIN THE COMPANY AS WELL AS THE BUREAUS.NOTHING HAS HAPPENEDAND THE COMPANIES TELL ME THAT THE CREDIT BUREAUS HAS NOT TAKEN THE FRAUD ACCOUNTS OFF. THIS IS A VIOLATED DATA FURNISHERS RIGHT PER THE FOLLOWING, 15USC SECTION 602, 15 15 USC 1681 SECTION 604 AND 15 USC 1666B. XXXX, EXPERIAN AND XXXX HAVE VIOLATED MY RIGHTS. I INTEND TO TAKE LEGAL ACTION IF THIS IS NOT RESOLVED. PLEASE HAVE THE FOLLOWING ACCOUNTS ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE HAVE THE FRAUD INQUIRIES DELETED ALSO.
Product: Credit reporting or other personal consumer reports

I applied for prepaid credit card back in XXXX ( XXXX XXXX XXXX XXXX ). I add the amount of {$300.00}. I didn't use the card at all. this company failded to send me any statment and also never answer their phone calls. i found out about fraud acitivities on my account, i tried many times to call them. they never answer or calls back, until I emailed them on XX/XX/XXXX about those activities. so Issue me back a provisinal credit until they are done with investigation. meanwile i requested to close my prepaid credit card and issue me an new one with new nember. they failed to do that, new card never issued. XXXX months later they reported to the credit bureau late payment. I email them and asked for supervisor to call me. after many many request a supervisor did call to inform me that the investigation couldn't come back with anything because those fraud acitivies happened XXXX months ago. and u have to pay. i said ok i will pay since the amount wasn't big {$47.00}. and i asked why you repoted me as late payment while those acitivity where investigation? 
he said that there is nothing can be done. that's the policy. I told him i'm very dispointed and not happy with this compnay and i would like to close my account and get back my prepaid money. it took them another XXXX  months to close my account and they still reported me as late payment even though I paid the balance that was under investigation of transaction that i never made. now the company doesn't exist anymore another company bought it. and I'm stack with that negative item in my credit report. 
please read the reviews about XXXX  from other consumer. they are a fraud
Product: Debt collection

I submitted a despute letter and nothing but also was part of the XXXX data breach
Product: Credit card

XX/XX/XXXX : I called in to request settlement agreement. Representative gave me a settlement for XXXX  and I agreed to accept. Representative also reassured me that I will receive a letter within 7-10 business days verifying settlement. 

XX/XX/XXXX : Received a bill for FULL amount for XXXX. No settlement in bill. I called today to resolve matter and received unprofessional attitude from representative who left me on hold TWICE when I called and did not come back to the phone.
Product: Checking or savings account

To whomever may be reading this, I just want to sincerely thank you for taking time to review my complaint. 

I am writing to bring your attention to a series of fraudulent transactions on my account that occurred on XX/XX/XXXX. My bank, Wells Fargo, closed my claim and refuses to refund me back the money. The unauthorized charges in my checking account, which included retail purchases and money transfers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I promptly reported the fraud to the bank between XX/XX/XXXX and XX/XX/XXXX ( I don't remember the exact date ), leading to a refund. However, the bank later reversed the refund for the XXXX XXXX XXXX transfers, citing closed cases due to the perpetrator having accurate information. This seems perplexing to me because, naturally, they would have my information that's the essence of fraud and how money is stolen. 

Despite explaining the situation during an in-person branch visit on XX/XX/XXXX, they said nothing can be done. I received the documents of their 'evidence ' that was provided to them by XXXX XXXX on XX/XX/XXXX, and it's evident that this is fraud. The transfers were made to an unfamiliar recipient, XXXX XXXX XXXX XXXX, in the XXXX XXXX. This being an international money transfer is already a red flag.The associated phone number does not even match mine, which doesn't support the bank 's claim of XXXX XXXX having all of the right information. 

As a loyal and responsible customer, I am baffled by the bank 's refusal to acknowledge the evident fraudulent activity on XX/XX/XXXX and appreciate any assistance in recovering the funds. 

Thank you for your attention to this matter. 

Sincerely, XXXX
Product: Student loan

I am a victim of a data breach and identity theft. Kindly block and delete the account within 4 business days as required by FCRA 605B, 15 USC 1681c-2. Please find the attached Affidavit and other relevant documents. 

XXXX XXXX XXXX XXXX XXXX XXXX Missouri Higher Education XXXX Missouri Higher Education XXXX Missouri Higher Education XXXX Missouri Higher Education XXXX Missouri Higher Education XXXX Missouri Higher Education XXXX Missouri Higher Education XXXX Missouri Higher Education XXXX Missouri Higher Education XXXX Missouri Higher Education XXXX Missouri Higher Education XXXX Missouri Higher Education XXXX Missouri Higher Education XXXX Missouri Higher Education
Product: Debt collection

Remove the fraudulent accounts off my credit report now! Other bureaus fixed it, so can you. Your lack of action is not just wrong but illegal delete those unauthorized accounts immediately, or face legal consequences. Take this seriously, act now, and ensure my credit report is accurate. I won't tolerate your delay in fixing this remove those accounts immediately! XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance {$4000.00}.
Product: Credit card

I had to leave the US because my XXXX expired and I wasn't able to renew it, so I have to pay my credit card balance from XXXX where I am currently living. 
The problem is that my bank keeps charging me late fees for late payments, but my late payments are because my account has been blocked a bunch of times I have called the bank to fix it, unsuccessfully because they didn't fix the problem. 
The last time it was finally fixed after an hour with customer service, I paid all the late fees and some of my credit and now they are charging me a late fee again. 
I am spending more money between the calls and the unreasonable fees than the credit I have left, so right now I have no job, I can not come back to the states yet, I would rather be blocked from any account or anything in this bank than continue with this. 
So I would like to report this and have my Chase account frozen.
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 Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account Number : 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.