23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On Friday, XXXX XXXX, 2015, at approximately XXXX I received a call from XXXX in reference to restructuring my credit card interest percentage to a lower rate based on my superior credit score. The suspect stated that they had my account information up on the computer and I needed to verify the card information and personal information to make sure I am truly the card holder. They first started with my date of birth, then proceeded to ask for the security code on the back. Next, he asked me for the card number itself. For each of the questions he asked for, I provided erroneous information, knowing that this was a true scam. Once he asked me for the information again, ( apparently my information could n't be confirmed XXXX I then told him that there was additional information on the back of the card and asked if he wanted me to read it to him. Eagerly, he stated, " Yes! Please! '' I read, 'I am not XXXX! '. Immediately, I heard an extension pick up and another male voice screamed that I was a " mother XXXX '' and my he was going to XXXX my mother ..., etc. You get the message. I requested that we should meet me to go over my account in person. He rudely declined the offer. Obviously this was a scam that I hope you can bring this kind of XXXX to justice. I am willing to testify to the conversation and will support any kind of prosecutorial investigation that your agency is committed to. It is my belief based on the persuasiveness of this individual that many elderly people will be victimized by this scam.
Product: Debt collection

Re : CMRE Financial Services , IncXXXX Account # : XXXX and any other one of my accounts with CMRE. 

First, CMRE Financial Services , Inc. ( thereafter " CMRE '' ) has continuously violated my rights under the FDCA by illegally harassing me ( by calling me before XXXX XXXX  or after XXXX XXXX calling me during my work hours when I have repeatedly asked CMRE to stop doing so, making my phone ring for long periods of time ) and my family; and failing to respect my privacy.

CMRE alleges that I owe debt it wishes to collect. I have repeatedly requested that CMRE send me an itemized list of all such debt. CMRE has repeatedly refused to do, only sending me piecemeal documents that are impossible to reconcile and therefore completely misleading. I have repeatedly requested that CMRE send me a consolidated and itemized list of all debt CMRE alleges I owe so that I can verify that CMREs allegations are legitimate, valid and truthful. Without such list, it is impossible to verify CMRE 's allegations. CMREs billing is intentionally misleading, in violation of the Fair Debt Collection Act ( FDCA ). Furthermore, I have repeatedly informed CMRE that the hospital ( XXXX XXXX XXXX XXXX ) to whom CMRE alleges I owe debt has illegally billed me, by charging me prices ( e.g. for the visit of XX/XX/2019 ) that are unreasonably and unconscionably above the good faith estimate rate ( a hospital has the legal duty to not charge self-pay patients above the XXXX XXXX XXXX ). 

Instead, the hospital charged me the same rate it charged the insurance company of the party that I thought was responsible for the billing ( due to an automobile accident ) after said insurance company refused to cover said bill. I have also repeatedly informed CMRE that I was disputing bills from XXXX XXXX XXXX XXXX because at the time the services were rendered, XXXX XXXX XXXX XXXX informed me that a co-pay of {$75.00} for each rehabilitation session was the only and final cost I was to pay, regardless of insurance coverage. CMRE disregarded my dispute and reported my accounts to the Credit Bureaus.
Product: Student loan

I have XXXX XXXX XXXX XXXX, which are currently serviced by Navient ( approx 5 years with Navient ). When I learned about the CARES act, I called, confirmed it applied to my loans, and got my early XXXX payment refunded. My Navient " dashboard '' currently reads that the interest is 0 % and that I do not owe a payment. 
However, on XX/XX/XXXX I received an email that I had an Inbox message. This is different than normal correspondence with Navient, which usually is just an email saying the amount due. I logged into my account, which still says I don't owe anything and there is a 0 % interest payment. However, the inbox message says the following ( while still saying, at the bottom, that the rate is 0 % ). On XX/XX/XXXX, I called Navient who said my interest is not accruing and that my loans are covered by the XXXX XXXX, but could not explain why the letter was sent to me - they said the president required the letter, but could not explain why it would contain inaccurate information. 
I know that many borrowers would read this as a statement and pay the money thinking that it will continue to accrue. Although I don't know of anyone else who received one, the person I spoke with said " everyone '' got a letter, but didn't seem to understand the letter I received today, and seemed to be referring to the general CARES Act email that was sent in early XXXX. 
MY NAME, interest is accruing while your student loan payments are postponed. Pay a little now and save a lot later. 
We want you to be aware that interest accrues during the forbearance period on your loans. If the interest is not paid as it accrues, it may be capitalized ( added to your principal balance ). 
Remember, you can shorten or cancel your forbearance period at any time. 
Heres the Unpaid Principal and the Unpaid Interest that has accrued as of XX/XX/XXXX : Unpaid Principal : {$39000.00} Unpaid Interest : {$47.00} Current Balance ( Total ) : {$39000.00} Remember : Youre obligated to repay your loans after periods of forbearance expire in accordance with the terms of your Promissory Notes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute to validate the accounts on my credit report. It has been over 30 days and I have not received any investigation results to validate this debt. This account was sold/transferred, and I am no longer responsible for the account. There was NO written agreement, signature, or contract with this company. A bill without a signature does not validate the debt and anybody can send a bill and says its mine. According to FCRA, ARS has violated my rights. I am requesting legal action to remove this account immediately.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was made aware that Paypal had limited my account and I had no longer had access to use my account. I called them and was told I would have to wait 120 days and then I would be able to receive my balance. The total balance was {$8100.00}. I called after 120 days and I was told to wait 180 days. I also made them aware that I no longer had access to the email that the account was setup on because it had been hacked. I tried to have an account manager change my email so that I could up updated when I would have access to my remaining balance. On XX/XX/XXXX I called because when I noticed my account balance was now at XXXX. I also noticed that a transaction on XX/XX/XXXX had been made for the full amount to a XXXX XXXX account which was not the bank account that was always associated with the account. The XXXX XXXX account then refunded the total amount of XXXX on XX/XX/XXXX. I have never had a bank account with XXXX  so I have no idea how that information got onto my account. Then on XX/XX/XXXX XXXX different transactions were made to withdrawal all the XXXX balance on my account. When I spoke with an agent I told them I didn't even have access to my account since XXXX of XXXX so there is no way I sent those payments. The agent told me they would open up a fraud investigation and that it would take 10 days to resolve. The agent gave me a case # of XXXX XXXX When I called back 10 days later another agent told me that she could not access my account that she would a higher department call me back with information about how to recover my money. There were also new addresses and bank accounts on my paypal account that are no way associated with me. I have never received a call back from anyone with Paypal. I not received any of my remaining balance of {$8100.00}.
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 U.S.C 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, 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : that no consumer reporting agency may make any consumer report containing the following information items. 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 agency if the person knows or has reasonable cause to believe that that the information is inaccurate.
Product: Student loan

I was defrauded by reps in regards to loans, forbearance, and repayments. Which negatively affected my credit reports and financial situations. To date I have repaid the loans, but not without hardship. I believe I am entitled to monetary rewards from this company due to unethical practices.
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name :XX/XX/XXXX: Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX 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 submitting this complaint because I am having trouble resolving as issue on my Equifax credit report. I keep disputing the information with all the evidence and it still has not been fixed. I am disputing a XXXX XXXX account which is listed on my account as past due 180 days in XX/XX/XXXX. This is a student loan account that is now serviced by XXXX, this is a federally owned student loan. They keep telling me that the company has verified the information as accurate. This company is no longer in operation and the contract information listed for them is inoperable. They have a number listed XXXX, this number doesnt work. This loan was transferred to XXXX in XXXX and has been in good standing since. Also student loans have been on a payment pause since XXXX due to Covid do there is no way that I can be 180 days past due because they are still not in repayment. I have gotten a letter from XXXX stating that the loan is in good standing and that they are not in repayment but this still is not enough. Equifax is the only company reporting this account and they refuse to adjust or remove it. I need help to get this resolved I have disputed this about 5 times with Equifax and they are stil not complaining a sufficient investigation into the matter. I will attach all supporting evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : -, XXXX  XXXX XXXX XXXXXXXX Balance : {$480.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX Original creditor XXXX XXXX XXXX Balance : {$3400.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX : {$13000.00}, XXXX XXXX  XXXX XXXX : {$0.00}, XXXX XXXX NA Inquired on XX/XX/XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX, XXXX XXXX Inquired XXXX XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX Inquired XXXX XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, PHEAA XXXX Date Opened : XX/XX/2019 Balance : {$9000.00}, PHEAA XXXX Date Opened : XX/XX/2019 Balance : {$11000.00}
Product: Mortgage

On XX/XX/XXXX I closed on my home loan at XXXX XXXX, XXXX Texas. 
After closing, I experience damage to my home, which cause me to make a claim to my insurance company XXXX XXXX. I was denied, due to non-payment. I called my lender and he stated that I was suppose to pay it prior to me closing and if I find the receipt to let him know. I was informed by the loan processor and insurance agent that no payment was required from me prior to my closing, due to the mortgage company requesting the evidence of insurance to apply to my escrow account. I then called Security National Mortgage and was told that I have insurance and my next payment will be sent to the insurance company XX/XX/XXXX. I have obtain damage to my home due to the freeze, that has cause my pipes to burst and my ceiling to collapse in the garage. After taking a closer look at my closing documents, and speaking with my realtor and the title company, I found several discrepancies. 
First, my insurance stated that it was paid prior to closing. Second, I did not receive my sellers credit of XXXX and third, my earnest money was suppose to be given back to us after closing, but was applied to my downpayment. All of the above was agreed upon by all parties and signed no more than 48 hours prior to us actually closing, but the actual closing documents were totally different.
Product: Mortgage

I purchased a home through PRMG. Throughout the purchase process I was told my PMI would be about {$60.00}. When I received my Closing Disclosure XXXX XX/XX/2020 XXXX for the 3 day review period before closing, my Closing Disclosure stated that my PMI would be {$60.00}. On my actual closing day ( XX/XX/2020 ) PRMG provided my settlement agent with a Closing Disclosure the day of the closing for {$73.00}. I signed the document as all the information looked similar to what I was provided and I knew small changes may occur.

After comparing the final disclosure with the one I reviewed prior to signing I noticed a significant difference in PMI. This is change of an additional {$13.00} on a a mortgage payment ( principal + interest ) of roughly {$630.00}. I reached out to the PRMG representative I was doing business through and he agreed it was a significant difference and that PRMG made a mistake. PRMG input incorrect information when getting the {$73.00} PMI number. He told me that the situation would be resolved. My realtor and I have contacted PRMG about this multiple times and been told that it was going to be fixed. It has now almost 3 months since my closing and I have made two mortgage payments and still there is no resolution. 

In summary, PRMG changed my loan terms to increase costs on the day of my closing. Promised it was a mistake and it would be fixed and has yet to do so nearly 3 months later.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Dispute of Credit Report Errors Dear Experian, I am writing to formally dispute the inaccuracies in my credit report dated XX/XX/year>. Upon review, I noticed several errors that need correction. Specifically, some accounts are listed with incorrect statuses, such as delinquent or past due, when they have been paid in full. Additionally, some information appears outdated or does not belong to me. 

I filed a dispute due to errors in my credit report. Experian refused to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( Experian ). They alleged the company accepted unreliable information and failed to inform consumers of the results of the dispute. This aligns well with my situation! Experian has not attempted to remove or correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a house, car, etc. Experian violates my rights as a consumer, as well as federal laws. 

I kindly request that you investigate these discrepancies and correct or remove the inaccurate information by the Fair Credit Reporting Act ( FCRA ). Please notify me in writing of the results of your investigation at the address provided above. If additional information is required, please contact me at XXXX or XXXX. 

Thank you for addressing this matter promptly. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Debt collection

This was a payday account with money mart, a debt collector XXXXXXXX XXXX XXXXXXXX XXXX reported the negative item on XX/XX/2021. They had bought off payday loan debt from money mart and now has reported it to the credit breaus as a negative item in which they have no identification or verification that I signed ( wet signature ) and owe them this debt that was sold to them because I never had a contract with XXXXXXXX XXXX XXXXXXXX XXXX. This should be remove/dispute off my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Reporting Agency continues to report that I have 2 late payments on my credit report. All of my open and closed accounts on my credit report do Not have any late payments. In addition, I 've applied for recent credit thru XXXX XXXX XXXX thru XXXX, and one of the reasons I 'm denied is I " pay few accounts currently as agreed ". Again, every account on my credit report is up to date. Experian is reporting fraudulent information to possible creditors. XXXX is doing the same thing. I 'm being denied credit due to paying few accounts currently as agreed is what XXXX sends to my creditors.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint on XXXX XXXX. Today I received a call from someone in their call center in XXXX who was using discriminatory statements, laughing about me the costumer not being to make the payment she was requesting {$3000.00} so they would stop reporting the wrong information on me, even though, I have a payment agreement with them and have been paying on time ( automatic payments ) the person on the phone was challenging me to pay XXXX XXXX+ three times what my agreed payment is to see IF from here on they will start reporting correctly, this is out right discrimination, extortion and unlawful that a credit card company reports false information on a customer. They also closed my account several months ago, they reported it to the credit bureaus which hit my credit score substantially, then they filed with the bureaus that my credit card was open and marked my credit with three late payments even on the months that I have paid my agreements. The account shows open in the credit bureaus and on their site is closed. These credit cards are abusers!