23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have repeatedly told Portfolio Recovery Associates ( the company ) not to contact me on my cell phone as this number was not provided to either the Debt Collector or the original debtor of any of my accounts. I just recently got this number in XXXX, 2020 and the calls started almost immediately with no interaction from myself with the debt collector or the original debtor. The original debts are over 3 years old. I have notified the company that they have illegally obtained my cell phone number, as well as that it is inconvenient for them to contact me there which puts them in violation of the FDCPA. Portfolio Recovery Associates calls me several times a day, they never leave a voicemail when I do not answer and they continue to violate the FDCPA by inconveniencing me at work which can cause me to lose my employment. My last interaction with them was today, XX/XX/2020. I have been telling them since XXXX, 2020 to stop calling this number, yet they continue to call it.
Product: Mortgage

People 's United Bank mortgage scheduled to close on XXXX/XXXX/2016. Closing pushed back because of delayed appraisal report. Rate lock@3.25 % expired XXXX/XXXX/2016. No extension was singed or filed with lender. ( Loan officer on vacation ) Lender verbally explained rate lock would float without an extension and I would receive current market interest rate if no extension was filed. Closing disclosure dated XXXX/XXXX/2016 for XXXX/XXXX/2016 closing has old expired locked rate of 3.25 % current market rate decreased to 3.125 %. Lender refuses to honor current market rate of 3.125 % for XXXX/XXXX/2016 close. Lender refuses to show proof of People 's United Bank rate lock policies that state after my rate lock expired I am not eligible for the current market rate. Lender refuses to give supervisor/directors contact information so I can receive documentation of rate lock policies. Lender is predatory lending and not adhering to bank policies in order to increase profit by closing on a mortgage with a higher interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cracked since the data breach of XXXX I have struggle to maintain clean credit not go into debt and pay my bills on time although it looks as if it's gone to waste since random accounts show up with arthritis charges on my current accounts and I struggled to know why the credit bureaus are allowed to display this inaccurate information after I have several times over the past three years requested is being removed. Finally why are credit bureaus allowed to not upload a TC reports all three of their different platforms unless you are a paid customer?
Product: Checking or savings account

I am writing this to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits.This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

Issues with company. working with another company the bureaus that keeps sending me debt collection letters but no proof of actual wet ink signature, contract or anything just saying that the debt was brought by them from XXXX XXXX. I never lived in New York and that is where the debt originated from. Issues with company. keep getting hung up on when calling to request a supervisor to handle the issue.
Product: Debt collection

Merchants Credit Guide XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Montana, XXXX To : The Office of Registered Agent for Merchants Credit Guide From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX are authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to theConsumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The Better Business Bureau. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation forMonetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA.

Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you!

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX
Product: Mortgage

Newrez LLC has placed lender-placed hazard insurance on my account as of XX/XX/23. 

I worked diligently to provide my insurance information to them over the last two months. I submitted the information via their website on XX/XX/XXXX. I called them and was told the issue would be taken care or I would be contacted informing me otherwise after putting them in contact with my insurance provider on XX/XX/XXXX. 

Not once have I received a confirmation or update as to what is wrong with my insurance documentation or whether or not the issue has been resolved other than the automated emails warning me about the impending lender-placed insurance. 

They openly admit to overcharging for the insurance in their documentation and charged me XXXX annually for the hazard insurance. I suspect being extremely negligent and allowing this insurance to be placed is part of their business model. I've had this same mortgage for many years and never had an issue until they sent me these warnings.
Product: Mortgage

filed a complaint with you with the CFPB XXXX XX/XX/XXXX and it was the case number XXXX - XXXX. 

I don't believe you addressed it a lot of the issues the issue number one was the attorney I had hired sent you papers all you had to do is sign them and the loan would have been paid off. YOU guys didn't do that OK you guys always kept saying we will do it. 

You say in that letter that I was the executor I was never the executor of my father 's estate If I was the executor in the estate they would have paid for the loan but I wasn't the executor and it executor needed prove that I was not on the loan. 

I show I have 12 hours I'm just calling the last 3 months when the judge said we're gon na give you a little while and then I went to court again and the Judge give one month extension. I still didn't get the letter The estate of XXXX XXXX XXXX was paying the loan off if I got proof that he was the only one liable for the loan. My lawyer even sent papers all you had to do was sign them and send them back and you couldn't even do that so I feel that was negligent on your part. After 2 years of trying to get that paper talking over 30 different people even relationship managers let 's see I've had 3 of those I think You said you sent me letters with the interest rate going up. If you look at the address you sent it to my dad 's house you never change the address in XX/XX/XXXX when I sent it with the birth certificate so I never even got the 1st one on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed XXXX late payments currently reporting NEGATIVE on all three credit reporting agencies. I initially reached out to the credit reporting agencies and asked them to remove the late payments or update them as paid as agreed but the did not do this. They stated they would update the account so that it would not show any negati8ve information but it still shows SEVERAL months later. I reached out the Mohela and they stated that my loans have been in good standing since they transferred over in XXXX. I also reached out to the prior servicer of my loans which was XXXX XXXX XXXX and they to stated that my loans are on a forbearance status. Since my loans have been in forbearance/deferment status they can not have late payments reported to the credit reporting agencies., Per the Family and Educational act of 1974 I have a right to privacy of my student records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to rent an apartment at two ( 2 ) different apartment complexes on or around XXXX XX/XX/2023. Both apartment complexes rejected my application with similar form letters that their decision was based in-part on the information furnished to them by Experian. One of the apartment complexes was nice enough to highlight the information causing the issue. It turns out the issues are with the status of three ( 3 ) accounts that Experian has failed to correct over the past two ( 2 ) years. I have submitted multiple CFPB complaints to have the derogatory/unverifiable information removed. For each account I have provided between XXXX  ( XXXX ) and XXXX ( XXXX ) pages of documentation explaining the consumer violations, banking violations, and ADA violations XXXX I even supplied Experian with the copies of the complaints I filed with USDOJ against the data furnishers. Yet, Experian has responded to each complaint stating the information was " verified as accurate. '' This can not possibly be the case because had Experian reviewed any of the information regrading those complaints they would have found a statement from one ( 1 ) of the data furnishers explaining the account was not being reported correctly -- on the furnishers own letterhead. If one of the data furnishers is openly explaining the account status is not reporting correctly then how can the account information be verified as accurate? It would seem Experian is choosing not to review the documentation I supplied and simply doing an automatic update and/or verification using eOSCAR. The bottom line is Experian is supplying a tenant screening company with information it knows or should know is inaccurate/unverifiable which has caused me to lose multiple apartments as an individual that makes well into XXXX ( XXXX ) figures. Moreover, because the information Experian has supplied to the tenant screening agency is based in part on data from data furnishers that was generated as a result of race and disability discrimination, the data Experian is supplying is harming me as a member of one ( 1 ) or more protected classes, and is causing housing denials to arise as disparate impact that violates Fair Housing laws. This is not acceptable and if Experian does not remove the derogatory information outlined in the resolution section, I will pursue legal action to obtain relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly a charge-off in the amount of {$12000.00} on XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) This loan was opened fraudulently. I did not sign any documents, nor did I authorize this loan. I was not aware this account existed until I viewed my most recent credit report. This account was opened at a car dealership that is no longer in business. I have attached a copy of the XXXX XXXX Report that shows a printed version of my name, however nothing was ever signed and this printing of my name was done by someone else! I have filed a police report regarding this matter as well. This incorrect reporting of a charge-off that does not belong to me is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Product: Money transfer, virtual currency, or money service

My PayPal account can not be linked to the bank and withdraw cash. I have contacted customer service many times and the problem has not been resolved. Please help me
Product: Credit card

Subject : Urgent Report Regarding Fraudulent Activity and Identity Theft Dear [ Consumer Protection Bureau ], I hope this message finds you well. I am writing to report a case of identity theft and fraudulent activity involving XXXX XXXX XXXX XXXX credit. I have diligently tried to resolve this matter directly with the involved parties, but unfortunately, my efforts have been met with significant challenges. 
Here is a detailed account of the situation : Fraudulent Account Creation : I never applied for a credit card with account number XXXX from XXXX XXXX XXXX XXXX. However, an account was created without my consent, and XXXX XXXX reports it as if it belongs to me. 
Employment Related Issue : I was an employee at XXXX XXXX XXXX in XXXX XXXX ( XXXX XXXX XXXX, XXXX, TX XXXX ). During my employment, the managers, including the general XXXX XXXX XXXX, HR XXXX XXXX XXXX, and XXXX XXXX XXXX, misled me into applying for a credit card, which resulted in the unauthorized creation of the account. 
Unauthorized Credit Card Issuance : After applying for a XXXX, XXXX XXXX issued me a store credit card without my permission, claiming it is an automatic approval if the XXXX application is denied. This practice seemed irregular, and when questioned, the general manager dismissed my concerns. 
Stolen Car Incident : Following my resignation, my car was stolen out of XXXX XXXX XXXX employees private parking lot by XXXX XXXX, owner of XXXX XXXX XXXX XXXX XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX  Tx XXXX where I found my car at and hes ID XXXX : XXXX who I believe may have ties to the mentioned managers due to the circumstances surrounding my departure. 
Police Report and Lack of Resolution : I reported the car theft to XXXX XXXX XXXX Police Department ) with report number XXXX, but there has been no resolution. Despite providing all necessary documentation, the case seems to be in limbo. 
Unresolved Credit Issue : XXXX XXXX 's investigation into the fraudulent account has yielded no results, and they continue to insist that the account belongs to me. 
I have exhausted all available avenues to resolve these issues, and I am now seeking assistance from the Consumer Protection Bureau to investigate and intervene in this matter. I have retained all relevant documentation, including screenshots and records of conversations with the XXXX XXXX XXXX managers. 
Your prompt attention and assistance in this matter would be greatly appreciated. 
Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit card

US Bank the issuer of the XXXX XXXX XXXX XXXX XXXX and Small Business credit cards charges an annual fee for each on of their cards. I have both of these card, the personal card for my personal spending the the small business card for my small sole proprietorship. The key perk of these cards for me and many others is that when booking hotel nights using the points that the card offers the last night booked is free. For example, if you book XXXX nights at a XXXX you only will use points for the XXXX night and get the XXXX night " free '' ( i.e. you will not need to use your points ). This language was clearly still in place when I paid both annual fees earlier this year that I would receive the XXXX night free, otherwise I would not have paid the fee and canceled the card. When I called to attempt to get the fee refunded I was offered XXXX club XXXX which is worth far less than {$75.00} ( the annual fee paid or the loss of getting a XXXX night free which can be up to XXXX club XXXX points ) and is unacceptable. The annual fee on the small business card is {$60.00}. I combined the {$75.00} and {$60.00} fees below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the below listed items several times to no avail. On XX/XX/2021 I called XXXX  to get clarification on how theyve continually validated these debts when the creditors wont even respond to the letters I sent them as a consumer. I asked XXXX  representative XXXX if the below listed companies provided XXXX  with proof that the accounts belonged to me to which he responded no. I then asked if they have not provided proof that the accounts belonged to me why they weren't deleted to which he responded that it was my responsibility to follow up with the companies to get validation which is not correct. I hung up & called back & I was transferred to XXXX  who works in the fraud department & I asked her the same question, how do these debts keep coming back verified & validated if the companies wont respond to my certified letters to which she stated that XXXX  submitted a dispute and the companies simply sent back a letter stating to leave the accounts on my report so XXXX  continued to report this negative information which is severely damaging to my reputation. I asked again, So these companies haven't supplied you with a contract with my signature or any documentation proving that I signed up for these accounts? To which XXXX  responded No and when I asked that they provide me with the documentation XXXX  received to verify these accounts, I was told that XXXX  does not provide this information even though the FCRA is very clear on debt validation. This is clear and blatant evidence of willful non-compliance on XXXX part! These accounts should immediately be removed from my credit report without any further investigation because XXXX  has made it abundantly clear that they do not investigate these accounts. If thats the case anyone can report anything on anyones credit report. This is an egregious violation of my rights as a federally protected consumer. I have disputed these accounts several times with CFPB & XXXX, its time to do the right thing its clear that XXXX  has no intentions on doing so. If this is not cleared up immediately I will be seeking remedy under 15 USC 1692K. 


The following accounts need to be deleted from my consumer reports immediately : XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX/XXXX  Account # XXXX
Product: Checking or savings account

I am filing a complaint with the CFPB regarding XXXX XXXX 's failure to deposit my direct deposit from my employer XXXX  any other incoming deposits. XXXX XXXX has cited technical issues, which XXXX violate the XXXX Funds Transfer Act ( XXXX ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, XXXX  I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Debt collection

This has gone too far. My patience is gone. I'm contacting the Attorney General and the FTC tomorrow. As far as the issue, refer to the other XXXX or XXXX complaints I have submitted in the past XXXX months.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) o f the FCRA you are required to ... promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 

Accounts There is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX  XXXX Account Number : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

i sent a notice of dispute dated XX/XX/year>24 to XXXX XXXX they received the dispute on XX/XX/year>24 tracking number # XXXX i.n the dispute i let them know that there was inaccurate information in my consumer report furnished to paypal credit/synchrony bank from XXXX XXXX without my consent and paypal credit /synchrony bank did not follow reasonable procedures and failed to investigate the dispute its been more then 30 days already
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax enclosed is statement of fact, you Equifax has contacted XXXX 20 time for verification { there own omission to CFPB and they verified each time BUT they do not own the account XXXX is owner. XXXX statement enclosed remove from credit report. that is all the evidence need to take this to the next level both XXXX and XXXX made these statement to CFPB on record, Remove the account of I will contact XXXX and XXXX who has a beef with you already, Ill send every document to them XXXX, CFPB OCC FTC ATTNY GEN of CALF and request a investigation on behalf of the american people in to your reporting practice I do have a clear cut case I will present to them please remove account as per request of XXXX do not respond with you templete letter we investigated came back verified because the minute i see that, A package will get mailed to the congress and the house with all documents income and out going Bet XXXX and XXXX would love this