23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I was out of the country almost 3 years. I just returned back receive a email a couple months ago but did not realize what was going on until XX/XX/year> when I started to read what the email I got from XXXX XXXX  t on XX/XX/year> stated some of my information gotten out so I started to investigate what was going on and see, XXXX accounts was open in my name an i see XXXX hard inquiries in my name an I start to contact the credit bureaus to dispute. fraudulent item XXXX XXXX was not helpful to resolve. This matter XXXX and XXXX is investigated in it. I do not know what going to be the outcomes of it my next option is to file a civil lawsuit against these three credit bureaus because they are responsible to protect my identity. I put a freeze on my account and alert any inquiries that come in they must contact me none of these company never contacted me and XXXX XXXX XXXX, and XXXX, help these fraudulent people to create an account they must be hold accountable for their actions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. 

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights XXXX ( XXXX XXXXXXXX/ACCOUNT # XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights 4- ( XXXX XXXX XXXX/Accout # XXXX ) Has violated my rights
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX specifically debt bondagewhich falls under trafficking as defined by the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity.Per the guidance from the Consumer Financial Protection Bureau XXXX CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXXAccording to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from human trafficking within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information. I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from XXXX XXXX
Product: Money transfer, virtual currency, or money service

Have spent more than a month trying to reverse a transaction with PayPal for the sums of XXXX. The initial transaction was completed on XX/XX/XXXX. Subsequently, the funds have been held is suspension by PayPal for the entire time, and neither the payor nor the payee has access to them. PayPal refuses to either reverse the transaction or release the funds, leaving them stuck in purgatory while, presumably, PayPal leverages the captive funds to earn incremental income on the float. Multiple attempts to reverse the transaction have occurs from both the payor and payee have been attempted, and the responses from PayPal have demonstrated a consistent unwillingness to understand the issue, or work constructively with either party to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Through my credit card monitoring, I was alerted that someone tried to open a JP Morgan Chase Credit Card in my name on XX/XX/2020. I called the JP Morgan Chase fraud monitoring department in XXXX when I caught it and verified with them that they marked it as fraud and closed the account before it could ever be opened. I filed online complaints with XXXX  and XXXX  who removed the credit pulls from my history within a few days. Since I prevent an account from being established, XXXX process annoyingly required that I must call as their online processed only allowed me to file a complaint if an account was established. I called XXXX  who reassured me that since an account wouldnt be established that it should automatically drop off within 90 days of the XX/XX/XXXX date. XXXX did continue that they could remove it sooner if they got a removal letter from JP Chase Morgan to authorize it. However, talking to JP Chase Morgan, they had never heard of a removal letter and wouldnt authorize one as they fraud department had to complete the investigation. It is past the 90 days and I still have the fraudulent credit pull on my XXXX  credit report. Please help as I feel useless against these big corporations and their processes!!!
Product: Mortgage

On XX/XX/XXXX I received a notice that my loan from Loan Depot was being transferred to another division. On the letter it stated my old loan number and my new loan number. the new loan number was the same as the old except for one less digit. I made my payment on time with the new loan number and to the address on the letter. 
On XX/XX/XXXX I received a call that I hadn't paid my mortgage. I checked with my bank and they showed it was received by Loandepot via ACH. When I told Loan Depot this and told them the account number they said I put the wrong account number on there and and they gave me another number. I was transferred back and forth from their XXXX XXXX office which is where the payment went to XXXX. The person at the XXXX  office saw that the problem was that someone at Loandepot had inadvertently put the wrong account number on the letter I received XX/XX/XXXX. She said she would take care of it. 
On XX/XX/XXXX I received an email stating they had called an weren't able to get in contact with me. I take my phone everywhere and there are no unanswered calls. I called the number on the email and they said they were see the payment but couldn't put it on the right account, which just seems XXXX. Loandepot has the payment, see where they made the error, but now they won't correct their error.

Loan Depot is acting in bad faith and not trying to help find my payment and they keep passing the buck around.
Product: Mortgage

I have been dealing with Bayview Loan Servicing. Nothing but lies and false information. First I tried to a loan modification. I was turned down for a the modification. So I decided to do a short sale. I was told not enough time. As the paperwork was turned in 63 days a head of the sales date. 

Also a BPO was ordered with the value coming in XXXX higher then any comparable sales in the area. My house is more of a lot value then anything. Bayview refuses to work with me. All I get is lip service. As CA does not have dual tracking.
Product: Payday loan, title loan, or personal loan

Hello, I've tried speaking with the branch manager about my loans and it falls on deaf ears. XXXX is her name she's bombarded my work place with phone calls, calls my references gosh knows how many times, comes to my job as well acting as an customer or getting coffee at XXXX, calls my cell phone at least 10-20 times a week either through company phone or her personal phone number, comes to my apartment bangs on my door that it scares me. All these tactics she's doing had caused me an XXXX XXXX from worrying.
Product: Debt collection

Repeatedly contacted to collect debt but wo n't give sufficient details of creditor or matter pertaining to
Product: Debt collection

I get XXXX calls a day eveyday between Monday and Friday and i am paying my bill every month and i am to the point that this is harrassment. I want it to stop. They leaving constant messages calling from all different numbers.
Product: Credit reporting or other personal consumer reports

I acknowledge and appreciate the time you have dedicated to addressing the removal of certain information from my file, arising from an alleged identity theft. However, there are still remaining items that require your attention. According to the FCRA Section 605, it is mandatory to eliminate any items identified in an Identity Theft Report # XXXX. Previously, I have communicated these concerns in a prior letter, and I am reiterating them in this correspondence along with a new FTC report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Balance : {$32000.00} -- -- -- -- -- XXXXTRANSUNION : XXXX XXXX XXXX Balance XXXX {$32000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. I have informed my attorney of my intentions, and they are prepared to hold you accountable in the event of willful noncompliance. Please be aware that there is a four-business-day deadline for the removal of these reported items resulting from the alleged identity theft. I want to emphasize that I do not consent to E-OSCAR or any form of automated verification.
Product: Checking or savings account

I got a notification that my Ally Bank Account ( checking & savings ) was disabled for online login. I also got a notification that my mobile account had the pin change. As of right now, I have no access to my money and their recommendation is to call them. As of right now I have been on hold for over XXXX hours with no end in sight. I have bills to pay and not being able to access my account can be costly.
Product: Debt collection

This is for a payday loan, but I was bankruptcy, so I'm not sure how I had gotten a payday loan, this company calls me at least 12 times a day and I tell them I was under bankruptcy, they will not call for a few weeks and then they call back. The issue I have is that they've taken the number they are calling from my profile on XXXX XXXX, which is not public and are calling me on my work cell phone which is on LinkedIn only since I am a recruiter, so it is not public. I'm not sure that the debt is valid since when I ask for the information about the debt, they say they are unable to give me any information, just an amount to pay and can not give details until a payment arrangement has been decided and committed to.
Product: Debt collection

Portfolio recovery debt collectors have called me regarding this debt multiple times. 

They seem to be trying to trick or bait me into saying that I owe this debt, which I do not feel that I do. 

They have repeated information that is wrong. Incorrect dates of birth, addresses, etc. 

I have asked them to send documentation that I owe this debt to my address, which they have not done. 

I have told them that I wish to only communicate with them via certified letter, which they have not sent me. 

They called me on a work phone number XXXX repeatedly until I told them to cease contacting me by that number. I told them to send me information via mail, and gave them my correct, current address. 


Instead they just found another phone number I use and contacted me by that phone number instead against my wishes. 

If this was a legitimate debt and this was a legitimate debt collector using appropriate collection tactics they would contact me by mail as I have requested, and provide documentation showing that I owe this debt. They have done neither. 

I consider this harassment at this point. 

The most recent phone number and time they called me by was XXXX at XXXX on XX/XX/2020. 

They have called me many other times from various different phone numbers.
Product: Mortgage

My mortgage company did not automatically remove my monthly PMI charge despite already having reached a principal balance that is 78 % of my home value. 
I purchased my home for {$500000.00} and initially only put 10 % down so I have been charged a monthly PMI. Starting in XX/XX/XXXX my principal balance had reached {$380000.00}. I mailed a few letters requesting PMI removal but did not hear back, so on XX/XX/XXXX XXXX am I called XXXX XXXX XXXX XXXX, I spoke with XXXX. Questioned why my PMI has not been removed since my principal has reached 78 % of original home value back in XX/XX/XXXX. She said she would send a request to have it removed. 
I told her that I was advised that in the state of California PMI is supposed to fall off automatically once principal reaches 78 %. After placing me on hold she let me know that she will submit a request to have PMI removed and those extra PMI payments refunded, but told me that there was no guarantee. 
I got a letter letting me know that PMI has been removed from my monthly mortgage payment starting XX/XX/XXXX, despite meeting criteria of automatic removal back in XX/XX/XXXX. They also denied my refund request for PMI payments that were sent in XXXX and XXXX.
Product: Debt collection

I informed them i will make payments on the matter but they keep calling 5 to 6 times a day
Product: Bank account or service

I was an authorized user on my husband 's account. I called in on XX/XX/2016 and was removed from the account. However, the account is still showing up on my XXXX account number XXXX. I just want them to remove me as authorized user from my credit report. They are telling me because I am no longer an authorized user they can not discuss with me the reporting that they are doing on my credit report. My husband is XXXX military XXXX and I was told there are phones all over the world and that he can call in. I do not want information on his account, I simply want my own personal XXXX to reflect the current information that I am no longer an authorized user. They do not need any information on his to fix my credit reporting. I have called three times and have been hung up on each time I was told they would get me a number to their credit disputes team.
Product: Debt collection

I use XXXX gas rewards, which requires a bank account to be linked. When I changed banks, I forgot to switch this account. When a gas charge was not able to go through, rather than simply informing me I need to update my payment information ( like any other company I've ever done business with! ), the payment was referred to the debt collector CheckRedi who immediately charged a {$35.00} fee. When I called they staunchly refused to waive the fee stating it was in the terms of service. XXXX also passed the buck to CheckRedi and said nothing can be done. Given I just got married and changed a variety of accounts and credit cards, I inevitably forgot a few accounts and didn't have updated payment information on file for a few recurring charges. In every other instance, as you would expect, I was informed by the business that I needed to update my payment information which I promptly did. Charging a {$35.00} fee for this and pointing to fine print in terms of service for gas rewards that no one would ever read is so absurd it's hard to put in words. This is an exorbitant and exploitative business practice that should be immediately stopped. I would be filing complaints with the MA Attorney General and Consumer Financial Protection Bureau as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies with the following accounts have violated my rights. 
15 USC 1681 Section 602A states I have the right to privacy. 
15 USC 1681 Section 604A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX Acct # XXXX XXXX XXXXXXXX Acct # XXXXXXXX XXXX XXXX ( Original XXXX XXXX XXXX ) Acct # XXXX XXXX Acct # XXXX US DEPT ED Acct XXXX XXXXXXXX XXXX  XXXX XXXX  # XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was on fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this compliant on the following dates XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on the immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Inquiry Date : XX/XX/XXXX Clothing Store i have never applied at this store for credit and they put a inquiry on my XXXX report. 

XXXX XXXX XXXX inquiry date : XX/XX/XXXX bank credit cards i haven't applied for XXXX XXXX XXXX credit cards they put inquiry on my XXXX report. 

XXXX XXXX XXXX : inquiry dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX put 5 different inquiries on 5 different dates on all of my 3 credit  burues i have never authorize any of this inquires i have been a victim of fraud before thats why i have so many inquires that doesn't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are from XXXX it is now XXXX it has passed the statue of limitations of 7 years.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 I looked at my Experian and XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer credit report, it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

15 USC 1681e ( b ) requires that consumer reporting agencies adopt reasonable procedures to meet the needs of commerce for consumer credit, personnel, insurance, and other information. These procedures must be fair and equitable to the consumer, ensuring confidentiality, accuracy, relevancy, and proper utilization of such XXXX. The law also mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of consumer XXXX.
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. 

Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX  - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  - DATE OPENED XX/XX/XXXX
Product: Debt collection

Violation of failing or refusing to validate disputed items within XXXX days
Product: Mortgage

My checking account was hacked and on the advice of my bank this account was closed and a new account was opened. My mortgage was on automatic draft and since my account was closed my payment failed. The new account was set up and the payment was made. Dovenmuehl has added this charge to my mortgage payment. I was told to send a letter of explanation requesting that it be taken off. My XXXX statement arrived still showing this charge. I called and was told that a denial letter was sent to me but I never received it. I so told them that I could get a letter from my bank verifying and explaiNing the issue but was told that it would n't matter. I was told that they did n't have to remove the charge. I have never given this company any bad checks or had any payment rejects. 
There is clear documentation that my account was hacked. The new payment was made on time. Why is this bad check fee being added to my mortgage payment?
Product: Debt collection

Today I answered a spoofed number that has been harassing me. They claimed they were the CBE agency and they've called me 5 times in four days during work. I asked what it was for and they said it was for XXXX, I wasn't aware I owed anything. The rep XXXX XXXX stated they sent me over 5 letters so I asked for dates they weren't sent.She then stated it got sold to them and they sold it to another company. I asked for the address to the company so i could send a validation letter she wouldn't give me one. I then asked why isn't another company contacting me if they sold them the debt she couldn't answer. She stated she couldn't give me dates sent but they were sent multiple times. I asked to speak to the supervisor who the rep stated was XXXX XXXX. The supervisor got on the phone and she stated today was the first time they contacted me and they also have a address which they gave me as XXXX XXXX XXXX XXXX, IA i XXXX  it and I'm not sure if that's even correct. I was never sent anything before. They couldn't even tell me what it was for only it was from XXXX. It doesn't make sense because it's all conflicting info, and I expected to get answers but just got a hard time. 

They've called me XX/XX/2019, XX/XX/2019, XX/XX/2019 and twice today the XX/XX/2019. They didn't leave any messages and according to XXXX they've called many more times.
Product: Credit reporting or other personal consumer reports

Equifax, Please see attached - there are innacurracies on my credit report that need to be fixed.