23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously mentioned that my name was leaked in a previous breach and personal information but that doesn't give you the right to use my credit or attempt to use my credit without my permission. By using third party, and collection companies and or credit companies paying out for information is a violation. You have violated my rights by providing incorrect on my credit report. I don't owe any medical bills at this time and never have owed in the past. Also, you have tried to sneak that same account unto my credit a few days after it was removed. That is clearly breaking the law and this matter will be taken upon court. I have the documented dates on all certified signature copies. This isn't a threat i am well aware of my rights and know for sure i am willing to take it to court to insure I'm payed for the damages and problems you have caused to my credit. Please note, I am providing you with an additional opportunity to have this account removed with this week deleted from my credit reports if you have not already done so. 
I have no desire to cause you unnecessary difficulty, however, this entry of my private health care information, on my credit report, for an account that no longer has ANY permitted business purpose waiver since there is NO payment due, has caused injury to my credit reputation, and has left me no choice but to proceed with the following : Upon my receipt of the FCRA and FACTA mandated reply from ( CRA ), if the account has NOT been deleted in its entirety, I will take appropriate action to enforce my rights under the HIPAA, FCRA and FACTA rules, ARRA and Florida 's Consumer Protection and Medical Privacy statutes.

account : 1. XXXX XXXX XXXX XXXX {$200.00} 2. First Fed Credit Control {$840.00} Sincerely, XXXX XXXX
Product: Mortgage

XXXX XXXX my husband moved out of our home and refused to pay any mortgage payments. I filed for divorce later that month. In XXXX, Chase sent me a mortgage assistance package ; I completed the documents and sent them back. In XXXX, I was able to be hired as a XXXX, I also obtained a divorce. I mailed Chase the updated information in XXXX, asking where to send payments, and did not receive a response back, nor notification that my application from XXXX had 'timed out '. I contacted Chase over the phone to make a payment and they said they needed a minimum of almost {$1700.00}. I told the person I could not pay that ; I had {$600.00} available for a payment, but no more and that I get paid once a month. She also told me my previous application had timed out and that I had to resubmit the forms ( new forms for XXXX ). I attempted to upload the documents, only to get an error that the 'upload feature ' was not working, so I faxed all the documents ( XXXX pages ) on the XXXX of XXXX. I checked Chase online, and they are not showing the documents. I attempted to upload another document today with the same issue : the upload feature is not working, again.
Product: Checking or savings account

back in late XXXX early XXXX i made some online purchases with a company called XXXX and as i received the packages and opened them several were not what i expected including a few having defects so just as it says on the back of the receipt i repackaged them sent them back with the corresponding reasons and why i had shipped back 1 package with 4 watches in it on XXXX XXXX then i also had refused delivery on 3 other packages as well and just gave those back to the USPS although i didnt have any of those 3 receipts i did take pictures of the packages to prove i did not except delivery now after i had returned those 3 packages i had received several more packages unfortunately i wasnt home to refuse delivery on those packages in total i kept 6 watches and returned the rest i returned a total of 13 watches having only gotten a partial payment on 4 of the 13 i have all my receipts including the USPS receipts stating that they had received the packages now i had been dealing with these folks off and on for 5 maybe 6 months and frustrated i contacted my bank to see what my options were as far as retreiving my money on XX/XX/XXXX the gentleman said give us a week and your money will be returnedthen couple days later i got a call from the XXXX corporate office accusing me of doing fraudaulent business when i have had these account just over 2 years and the only money i had coming in was my SSI in the amount of {$880.00} not sure what kind of fraudaulent business i could with that little of money but i guess anything is possible if XXXX wants me to go elsewhere thats fine but i should get at least 1 of 2 options 1 is all my money back from XXXX or all the merchandise and theres even a 3rd option give me back both cause quite honestly if XXXX had beeen paying attention who orders 17 watches and on top of all this due to the fact that someof the dates dont add up as to when they got paid versus paying someone back my account went negative over {$1600.00} which meant for 2 months i had no SSI no foodstamps NOT A XXXX THING and i still have XXXX kids XXXX of which have made me a grandpa also im well aware XXXX  is accusing me of owing them over 400 some odd dollars which isnt true i owe them 1 payment in the amount of XXXX for a grand diver i made payment arrangements on and if they had not tried to cheat me out of over {$9000.00} XXXX wouldnt have canceled my card in XXXX of XXXX card ending XXXX once they pay me for everything i have coming i have no problem paying my debt with them should anybody have any questions they contact me via cell XXXX i have all receipts and USPS receipts as well
Product: Credit reporting, credit repair services, or other personal consumer reports

sent po report to XXXX inaccurate information must remove violation of my rights with wrong information cra and hippa violations
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19, I settled a XXXX XXXX account in full. I owed {$5500.00} and paid {$2400.00}. I have a letter that says this is settlement in full, however, my credit report is showing I still owe a balance. Experian investigated but says my balance is still {$3100.00}. Even after I provided the letter as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  are reporting incorrectly a collection/chargeoff in the amount of {$3000.00} on the XXXX, original creditor XXXX XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I have never lived in XXXX, Georgia which is where the property in question is located. This is clearly an account that has been put onto my credit report in error. This false reporting of a collection/chargeoff account that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have tried to contact XXXX XXXX XXXX, as well as the bureaus to remove this however, I have not been successful.
Product: Mortgage

On XXXX of XXXX, after hurricane Irma my house suffered some damage and Discover Bank gave 6 month forbearance program to use that money and fix the house. On XX/XX/XXXX I was contacted by XXXX XXXX to start a Lost and Mitigation Application. I submitted the first application on XXXX of XXXX. I mentioned that I was able to keep my monthly payment, but I need help to distribute the missing payment. On XXXX I started my regular monthly payment after the forbearance program finished. I pay my loan for 4 month, until XXXX payment was returned to the bank. I was paying with direct deposit, because my access to online banking was denied. 
Since then I have submitted more than 10 applications and more than 2 years worth of financial records. On XX/XX/XXXX I was served with foreclosure documents, my application has been completed with the lost and mitigation department as XXXX XX/XX/XXXX. No answer from the service about the results. The amount of service fee and attorney fee exceed the $ XXXX. It is very sad. I also mentioned that I have a son with XXXX and the stress that this situation has put on myself and my family has been beyond control. I am paying my first mortgage, my taxes and insurance. They know that since the beginning.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an investigation request to the credit bureaus back in early XXXX. I had no problem getting the results back from XXXX and XXXX XXXX in a timely manner, but Equifax is taking way too long. I still haven't receive my response from them.
Product: Mortgage

Freedom mortgage " FM '' bought my " in loss mitigation '' loan from XXXX in XX/XX/year>. I had been trying to sell my home with realtor since XX/XX/year>, tried to get an assumption, tried to get a short sale offer, tried the investor route, and called the we buy homes for cash teams with no luck. FM made me restart the loss mitigation process all over with them which I specifically requested Deed in Lieu for my VA medical hardship. I vacated property in XXXX XX/XX/year>. FM decided to put me in foreberance which I decline. In XXXX XX/XX/year> FM took possession of my house " they have the keys & put lock on the gate '' FM is reporting on my credit missing payments since XX/XX/year> with missing information for months XXXXXXXX XXXX. In XXXX XX/XX/year> I signed the Deed in Lieu legal documents. It's now XX/XX/year> and FM is still reporting missed payments on a house that is vacated and in their possession since XXXX XX/XX/year>.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding several overdraft fees. Despite having significant find when transactions were authorized. I was charged due to lagging of charges and credits. This issue aligns with the CFPB finding against Navy Federal credit Union for similar practices, where transactions was settled with insufficient balances, despite initially funding.
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Case XXXX In response to the written letter received by Discover : Discover card did not bother requesting updated information concerning the name discrepancies. I'm requesting that Discover change my name to XXXX XXXX on both accounts ending in XXXX opened XX/XX/XXXX and account ending in XXXX opened XX/XX/XXXX. 

Military Lending Act/SCRA - It is required that Discover charge a max rate of 6 % and requesting a refund of interest charges from XX/XX/XXXX - to date. 

XXXX  XXXX score - My social security number is the same under both names and Discover is required to provide accurate information therefore by engaging a third party to provide relevant information should be researched on their end not sending me back to the third party providing the inaccurate information. 

Please provide a written response to my mailing address
Product: Debt collection

There has been continous fraudulent activity to the point that Bank of AmericaXXXX has attempted and fraudulent and illegal sale of property that does not belong to them. The bank has no lawful or legal consideration. I have requested repeatedly for Bank of America to provide proof of claim and they have yet to provide but utilized XXXX XXXX to allegedly sell property at an XXXX XXXX. Receive letters stating the secured /trusted property was sold ( illegally ) and ( Fraudulently ) to another company however, just received something in mail stating that property was allegedly sold to someone by the name of XXXX XXXX . 

I'm requesting all documentation pertaining to illegal sell of property to include all previously requested information pursuant to RESPA Request etc.
Product: Money transfer, virtual currency, or money service

Hello, I was the victim of a blackmailing  attack on XXXX from an account under the name XXXX. This individual had compromising photos of me and demanded payment so that the photos would not be distributed on XXXX to my peers ( Im a high school student ). After all was said and done, I ended up sending {$1000.00} dollars to the scammer, with some of the transactions pending for around XXXX hours time before completing. Unfortunately, when I attempted to call the fraud department at Chase Bank less than an hour after the payments were initiated, I was informed the department was closed. The next day, my bank was able to stop one XXXX charge of {$100.00} after I went to a local Chase branch for assistance. The charges on XXXX totaling {$900.00} were still sent through. 

The first {$400.00} on XXXX went through quickly, but the other {$500.00} was pending for over a day. When I went to the bank branch in person, they opened a case and said they would see if they could cancel the payment. However, the payments went through and were never cancelled, it appears to me that the bank did not move quickly enough to cancel the charges. 

When I called the bank recently to ask why they did not cancel the pending charges, a customer service representative said that they could not cancel the charges since the money had already been sent. However, given that the charges were pending both on my chase bank app and XXXX XXXX, its evident that this was not the case. I was hoping to get reimbursed by my bank since the banks fraud department did not take my call initially and since the bank did not move quickly enough to cancel the charges when they opened their investigation the following day. Additionally, in general, I find it quite strange that XXXX does not have the same measures in place as XXXX for example. With XXXX, I was able to get my money back since they have safety measures in place to prevent scammers from stealing money in situations like this.
Product: Debt collection

Last year I was contacted by a collections company for a presumed debt at a medical facility. I informed them that the debt was not me and they said they would investigate the situation. Instead of doing so the debt was sold to another collections company this year who has now reported me to my credit houses
Product: Debt or credit management

XXXX is a type of organized crime in which the persons set up a coercive, fraudulent, extortionary, or otherwise illegal coordinated scheme or operation ( a " XXXX  '' ) to repeatedly or consistently collect a profit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a letter to the company requesting several late payments reporting to my credit to be updated and corrected as well as several inaccurate accounts to be deleted. It has been well over 30 days and I have not received an update regarding this information. Also, I am still showing these accounts being reported to my credit file.
Product: Credit card or prepaid card

On XX/XX/2022, I received a letter that synchrony bank/ Value city card closed saying too many revolving credit accounts with this account having no payments due and paid in full they closed it. I believe this is unfair because they have no idea that I had fraud on some of my accounts and just to close this one for basically no reason is really wrong. This account never had a late payment and balance was paid in full. I know this affects my credit report. Please look into this. This is completely unfair.
Product: Debt collection

This account is currently in restricted for over 7 years and I paid the bill in full and its on my credit report. Capital One acct ending in XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed
Product: Credit card

XXXXXX/XX/XXXX has not provided proof, that I have agreed and willingly participated in opening an account with the said company itself. There are no hand writing proofs, there are no vocal consents there is no real undisputed proof that I made an agreement with such company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disputing the following two ( 2 ) accounts ( 1 ) XXXX XXXX XXXX  {$3200.00}, ( 2 ) XXXX XXXX XXXX {$1700.00}, the credit reporting agency Experian did not properly investigate or disclose the Method of Verification into this matter. It was a demand to know requested. Instead of providing me the consumer with the details and certified physical documentation, Experian violated my consumer rights by accepting electronic Verification as proof. Therefore these accounts shall be removed/ blocked immediately. If Experian continues to violate my rights, I will file with the FTC and start suit. Experian has hindered me from buying a home and showing poor judgement via my credit file. Also please remove any and all remarks.
Product: Checking or savings account

The account in question was my spouses. She passed away last XXXX. The bank is Citizens tBank. The account is on {$1700.00} and does not have POD. There is no other assets in my wifes name so no probate is necessary. The state of Massachusetts allows a bank to give $ to surviving spouse with death certificate and will if under {$10000.00} and 30 days have passed. Probate would cost me {$1500.00} and there is only XXXX in the account. Please advise if you can help or my options. Thank you
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX XXXX XXXX  and may have got into the hands of the wrong person .... I have also been affected by the XXXX XXXX XXXX and believe it has gotten into the wrong hands.
Product: Credit reporting or other personal consumer reports

This account is a certificate of indebtedness ; it is now considered income and income can not be reported on any credit report. XXXX XXXX XXXX XXXX, account number XXXX, has violated several of my rights as a consumer. Furthermore, the sale or sharing of my personal information to a third-party collection agency without my explicit consent constitutes several violations of both the Privacy Act of 1974 ( 5 U.S.C. 552a ) ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. 

This also violates the Gramm-Leach Bliley Act ( 15 U.S.C. 6801 ). Under the Privacy Act, federal agencies are prohibited from disclosing personal information without the individuals consent, except under certain circumstances, and under the Gramm Leach Bliley Act, financial institutions are required to protect the privacy of consumers nonpublic personal information and limit disclosures to third parties without consent. 

In addition,12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods. 
Section ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. 

I am formally requesting immediate action to investigate this violation, cease further sha ring of my information and to remove all unauthorized reporting related to this account.
Product: Debt or credit management

This company is saying that my debt is valid and i do not believe this to be true LVNV funding LLC Saying opened XX/XX/year> XXXX balance. {$930.00}