23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Violation of the Fair Debt Collection Practices Act ( FDCPA ) Unauthorized Communication : According to the FDCPA, debt collectors are restricted in how they can communicate with third parties regarding a consumers debt. Under 15 U.S. Code 1692c ( b ), " a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency ... the creditor, the attorney XXXX XXXX XXXX or the attorney XXXX XXXX XXXX XXXX. '' Violation by XXXX : Transworld Systems XXXX obtained your information from XXXX XXXX Credit Card services without your knowledge or consent, they might have violated this provision. The transfer of information should be transparent to the consumer and within the bounds of the law. XXXX is listed on my consumer report as XXXX XXXX account number XXXX. 

Violation of the Gramm-Leach-Bliley Act ( GLBA ) Privacy Rule ( Regulation P ) : The GLBA mandates financial institutions to protect the privacy of consumer financial information. Specifically, it requires them to provide privacy notices to consumers and give them the option to opt-out of information sharing with non-affiliated third parties. 

Violation by XXXX XXXX XXXX XXXX XXXX : Under 15 U.S. Code 6802 ( b ), " a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer ... that such information may be disclosed to such third party. '' Furthermore, consumers must be provided an opportunity to opt-out of such disclosures. 

Failure to Provide Opt-Out Opportunity : If XXXX XXXXr XXXX XXXX services did not provide you with clear and conspicuous notice about sharing your information with Transworld Systems XXXX  or did not offer you an opportunity to opt-out, they violated the GLBA. 

Potential Deceptive Practices under the Federal Trade Commission Act ( FTC Act ) Unfair or Deceptive Acts or Practices ( UDAP ) : Under Section 5 of the FTC Act ( 15 U.S. Code 45 ), " unfair or deceptive acts or practices in or affecting commerce '' are prohibited.

Possible Deception by Both Parties : If either XXXX or XXXX XXXX XXXX  XXXX  services misrepresented or failed to adequately disclose their practices regarding the sale and use of your information, they may have engaged in deceptive practices. This could involve misleading you about how your data would be used or failing to inform you that your information would be sold. 

Conclusion : Based on the FDCPA, GLBA, and the FTC Act, it appears that both Transworld Systems XXXX and XXXX XXXX XXXX XXXX  services may have engaged in actions that violate your rights as a consumer. XXXX  acquisition of your information without your explicit consent and XXXX XXXX XXXX  XXXX  services failure to provide proper notice and opt-out opportunities constitute significant breaches of federal laws designed to protect consumer privacy and fair debt collection practices.
Product: Credit card

My phone was stolen on XX/XX/year> and my Discover credit card was linked to my XXXX XXXX. The thief was able to access my phone and change all of my passwords, including my XXXX XXXX password. 

The thief then used the stolen device to make the following fraudulent charges using the phone 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$200.00} XX/XX/year> : XXXX XXXX : XXXX : XXXX : {$770.00} XX/XX/year> : XXXX XXXX : XXXX : XXXX : {$20.00} XX/XX/year> : XXXX XXXX : XXXX : XXXX : {$310.00} XX/XX/year> : XXXX XXXX : XXXX XXXX : XXXX : {$120.00} XX/XX/year> : XXXX XXXX : XXXX : XXXX : {$390.00} Total Fraudulent Charges = {$1800.00} I still had my physical credit card at the time and didn't know that the thief was able to use my phone 's XXXX XXXX. Additionally, any warning texts or calls from Discover went straight to the thief. I contacted Discover as soon as I found out there were fraudulent charges via XXXX XXXX and explained that my phone was stolen, so all the XXXX XXXX charges starting on XX/XX/year> were fraud. Discover said they would do their own investigation, including looking at camera footage and that it was very obvious that these were fraudulent charges since they occurred in a different city than where I live. Also, since I still had my physical credit card, I had used it at the same time in the city where I live. I can not be in XXXX places at once. Additionally, I provided Discover with the police report number that I had filed.

After Discover completed their investigation, they concluded that I am being held liable for the fraudulent charges because I have used XXXX XXXX with my Discover Card in the past on the same device. They are completely ignoring the fact that my phone was stolen and not looking at the evidence. For example, these charges were made in a different city where I have never made purchases before and do not live. The thief made a purchase at a gas station and I do not have a gas vehicle which is very clear if the investigator had looked at my past statements.

I have asked Discover to reconsider the evidence multiple times and they always come back with the same conclusion. I feel that they are trying to close the case without proper investigation. Also, they are false advertising by claiming that customers are always protected against fraudulent charges ; meanwhile, I am a victim of actual fraud and they have done nothing to protect me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with an a XXXX XXXX XXXX  XXXX was open XX/XX/XXXX. They reported me be in late XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and my account was never open. My 1st payment wasn't due till the end of XX/XX/XXXX, they also report it we be on late XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which is totaled in 6 months past due. I was never late on these dates
Product: Credit reporting, credit repair services, or other personal consumer reports

THE SUPORTING DOCUMENTATION FOR MY DISPUTE TO SHOWCASE MY CORRECT FULL NAME, ALONG WITH THE CORRECT RESIDENTIAL ADDRESS WHICH IS ON MY DRIVERS LICENSE LIKE MY PERSONAL NAME AS WELL. 

THE SUPPORTING DOCUMENTS BEING UPLOAD IS TO SHOWCASE THE INACCURACY OF YOUR CREDIT REPORT BY REPORTING WRONG ADDRESSES AND NAMES. THE ONLY CURRENT ADDRESS TO SHOWN IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX WHICH IS SHOWN ON LICENSE WHICH ALSO INCLUDE THE CORRECT SPELLING OF MY NAME WHICH IS XXXX XXXX XXXX JUST LIKE IS SHOWN ON ALL MY DOCUMENTS ALONG WITH WITH THE INACCURACY OF WRONGFUL ACCOUNTS REPORTING ATTACHED TO UNKNOWN ADDRESS.
Product: Mortgage

on XXXX XXXX, 2015 our XXXX mortgage with Ocwen was cancelled as part of a Chapter XXXX that has since been dismissed. Ocwen did NOT notify our county with the reconveyance that the XXXX mortgage was satisfied. On XXXX XXXX we had the closing scheduled on the sale of our home and our title company let us know that the XXXX mortgage was not released according to our county. The gentleman that was going to purchase our home has cancelled. We are in the process of working with another family and they are paying cash and want to close quickly, we have put a down payment on a new home in another state and we must close by XXXX XXXX or we will lose our deposit. I was supposed to start a new job in NY today, obviously I did not. I have spoken with people from OCWEN everyday since XXXX XXXX, I have emailed, cried, begged, left messages, and I got nothing. I offered to pay for overnight service, nothing. I have asked them to forward the document directly to me and not the county, as our title company can file it the day I receive it and the closing will be quick. I am begging for help, we do n't want to lose the home we are trying to purchase, but without the closing, we can not purchase our new home. We do n't want to lose yet another buyer because we do n't have that document. I will forward the IRS cancellation of debt statements. OCWEN is not in disagreement that it is a XXXX balance, they just wont process the document we need to sell our home. Any help is greatly appreciated. thank you, XXXX and XXXX XXXX
Product: Debt collection

The company in question, XXXX XXXX, filed a suit in court after I tried to dispute the debt with credit reporting agencies ( XXXX and XXXX ). Both the agencies removed the debt from my credit report and then a week later it was back under a different name. I disputed it again and then the debt showed back up on the credit report, this time doubled to make it look like XXXX debts ; listed as XXXX XXXX and XXXX XXXX XXXX ( with a comma added ). I have been to court twice already and the judge keeps postponing it. I have to go again on XXXX XXXX, XXXX. I tried to get the case dismissed because in the affidavits filed by the debtor they said " Affiant states that the original agreement and document evidencing the creation of this Account is lost or destroyed ... '' The judge would not listen to me and instead postponed the case ( twice ). The attorney handling the account told me she did not have any authority to do anything with the case ( dismissing, make changes, etc. ) because she is just handling the case for an out of state client. The judge told me that he would not do anything with the case ( the last time I went on XXXX XXXX ) unless I bring him a fraud complaint form filled out and the attorney was going to send me XXXX but I have not received it and so far unable to find XXXX. I believe I am being taken advantage of and do not know what to do to fix the situation. Meanwhile, the debtor keeps putting multiple listings on my credit report making it look like I have more bad creditors than there is in reality. The debtor has never made an attempt to collect on this debt until I reported them to the credit reporting agencies. Then they filed a suit in the local court here ( they are from out of state ) while still not attempting to collect on this debt. Their own sworn affidavit to the court ( notarized and delivered by the Sheriff 's department to my door ) states they have no proof of the creation of the account ( see above ). Also, the debtor, after I disputed the account on XXXX XXXX, XXXX, placed the account opened status as XXXX XXXX, but on the official court documents and affidavit ( filed on XXXX XXXX one month after I disputed the account ) the debtor can not state when the account was created. They provided the earliest bill they have, dated XXXX XXXX, XXXX, but stated in the affidavit " FNBO 's business records show that as of XXXX/XXXX/XXXX, there was due and payable ... '' They make this statement just prior to the statement where they say the original agreement is " ... lost or destroyed ... '' ( see above ). So the debtor does not seem to be able to get their dates or other information ( facts of the case ) correct either.
Product: Credit reporting, credit repair services, or other personal consumer reports

my student loan is more than 10 years old and Im attempting to purchase a home and this loan is reporting making my debt to income ratio high.
Product: Debt collection

On XX/XX/XXXX Huntington National Bank debited my account with them XXXX from a debt they said I owed in XX/XX/XXXX. I just opened the account on XX/XX/XXXX with no knowledge of any past debt owed to Huntington. I feel it is unacceptable, very discourteous to a customer to do this with no warning or no verification the debt belongs to me etc. it cause me a lot of problems & set backs on bills to be paid, I had no money no food and could have been evicted from my residence because of the unforeseen circumstances. Could you please help to recover those funds for me, or assist with a better resolution if my funds can not be recovered, I do not believe this is lawful or is it being targeted at a specific group of people because its just not right. I should have been given some knowledge of the intent to do this and the debt verified before the bank just take my funds please help if possible. They also said they bought first merit bank and their debt so I presume they will take from anyone whom they feel owe debt to either entity. Also when I opened the account I have documents of my current residence on the documents but today XX/XX/XXXX the banks internal department did not have that information in their system it was just updated today How is that possible if I have the documents from XX/XX/XXXX with my current residence on them, what address did they use or were they using as my residence.
Product: Payday loan, title loan, or personal loan

In XX/XX/2022 I received a new credit inquiry alert through Chase from a Georgia XXXX XXXX that I did not authorize. After calling the bank, alerting XXXX and freezing my SSN, I starting receiving letters in the mail from different bank accounts regarding attempts to open up multiple checking and savings accounts that I did not authorize.
Product: Debt collection

Company is using my non-public private information and reporting false information to third parties.
Product: Debt collection

They want to collect {$8000.00}, from me even though I owe them {$5900.00}. They employ all kinds of tactics to frustrate me. I made them an offer, considering my financial condition. They lied that I denied the charges, even though they interviewed me several times and I kept telling them that the charges were not unauthorized. Again, I never denied the charges. They made false declarations in court that I denied the charges. They took me to XXXX Court, but when I showed up they dismissed the case. They took me to court in XXXX XXXX, when I responded they keep switching lawyers and all of their actions are efforts to frustrate me. They are causing me emotional pains and distress. I made them an offer, which they said was a good offer, but they are not reconciling this with their representatives. I attach a false declaration that Wells Fargo N.A. made against me. 
The case was dismissed in XXXX, Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the collection in the amount of {$320.00} that was reported to my credit report. I had two delivery address with XXXX   XXXX XXXX. After Hurricane Harvey, we moved out of our home and no longer needed the delivery service at our home. XXXX picked up our water cooler and remaining water bottles. After the equipment was picked up, I called XXXX  several times because my auto draft was still being charged for the equipment at my home that had picked up and cancelled. After several months and calls into XXXX, I had a rep finally close out that account and stop the auto draft and credit my account for the over charge. At this time, I assumed every thing was complete. I received a collection letter in XXXX regarding a past due account. When I called them, I was told to send an explanation letter and they would get with XXXX  to remove the collection. I received an update in XXXX showing this was placed on my credit reports for an unpaid collection. I have contacted the collection company, who states that they are still waiting on XXXX  to respond to my inquiry. I have tried to contact XXXX   directly, but they will not speak with me because the account was sold to collections. I have no idea what this charge if for, nor do I owe this amount. I currently still have an account with XXXX  for our business account.
Product: Credit reporting or other personal consumer reports

NEEDS IMEDIATE ATTENTION!! IVE REACHED OUT TO THE REPORTING COMPANIES AFTER SUBMITTING ON XX/XX/year> XXXXTHEY STATED THEY HAVE RECEVIED FROM CFPB. 
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I have provided my photo ID along with required documents I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XXXX I recently pulled my free credit report at my XXXX and notice some of the following addresses and names are incorrect you are not mine i already contacted the XXXX credit bureaus mentioned in this complete here today it made attempts to fix this issue I am asking for the CFPB to help me in this matter. So that my my information is not compromised again and used on the black web. I have since found a FTC complaint and I have attached it to this document here today alone with my birth certificate iD and social security please fix the problem and send me my new credit report with the correct information this time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I requested to be off covid forbearance in XXXX. I Requested for a loan partial for a solution. I have made all my house payments from XXXX to XXXX. I have still not received loan partial docs from hud in the mail and it has been roughly 3 months. I'm starting to get really worried. Cross country keeps telling me a few weeks.
Product: Debt collection

I checked my credit reports at the end of XX/XX/XXXX and noticed a medical bill in collections on my XXXX credit report with Midwest Recovery System, for XXXXXXXX XXXX XXXX in the amount of {$1000.00} which states was opened XX/XX/XXXX. I did not sign a contact with Midwest Recovery System for anything. I was never notified by Midwest Recovery System to dispute this debt that does not belong to me.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I incurred despite having sufficient funds when the transactions were authorized. These fees appear to have resulted from delays in the posting of charges and credits. This issue aligns with the CFPBs findings against Navy Federal Credit Union for similar practices, where transactions were settled with insufficient balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I disputed a Bankruptcy listed on my XXXX credit report online and via certified letter describing that the Bankruptcy does not belong to me, it's someone with a similar name and the dispute came back to me on XX/XX/2021 verified as accurate and remained on my credit report adversely affecting me as I am trying to secure a home loan and this erroneous information is compromising me. I wrote a letter to the Eastern District of Michigan Bankruptcy court county clerk, as was told that " The Eastern District Bankruptcy Court has no jurisdiction over credit reporting agencies and does not report to any of the agencies. The bankruptcy petition, schedules, and other documents are public records. I sent a follow-up letter to XXXX asking them to tell me what steps were taken to verify this bankruptcy and who did they verify it with, XXXX is violating my rights under the FCRA It is the policy of all bankruptcy courts to not report any information to the credit bureaus. The company Lundquist Consulting , Inc. is providing XXXX with false information about a Chapter XXXX  Bankruptcy that doesn't belong to me they are in violation of 1 15 U.S. Code 1681e - Compliance procedures.
Product: Credit reporting

Experian is reporting XXXX bankruptcy forXX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX that I never file. 
I have contacted The Court, said computer error and they did not verify or validate with Experian, see attached letter from Court.
Product: Debt collection

This company, Care Credit, calls my house repeatedly every day. The number of calls varies ; it can be five or more calls per day. Its an automated system that calls. If you answer the phone a computer tells you to hold on the line and a representative will be with you shortly. Then you are placed on hold.
Product: Mortgage

- [ ] Carrington - [ ] Loan # XXXX - [ ] XXXX faxed mortgage assistance application for second time ( same application ) - [ ] XXXX notified by Carrington they needed a copy of award letter to complete application - [ ] XXXX Standard for award letter by email - [ ] XXXX Called the Standard and verbally requested award letter ( letter was asked for on Friday of a XXXX holiday weekend, The Standard wasnt open until XXXX  ). 
- [ ] XXXX Received copy of award letter by email - [ ] XXXX printed and faxed copy of award letter - [ ] XXXX Carrington called stating they havent received fax, but I have a fax confirmation page from XXXX - [ ] XXXX Received XXXX from Carrington Mortgage Services - [ ] First letter says they did receive the letter sent on XXXX but application remains incomplete ( application is exactly the same with updated paystubs ) - [ ] XXXX letter is denying my XX/XX/XXXX appeal letter. 
- [ ] As of XXXX the same application has been faxed 3 times. Just to fax my application is over {$30.00} at th XXXX store, plus cab fare. 
- [ ] XXXX Called Carrington to find out what they are missing. They now want a new paystub even though they have XXXX paystubs faxed on XXXX and an income award letter faxed XXXX - [ ] I faxed XXXX paystubs XXXX - [ ] XXXX received email to call Carrington, called Carrington and now they want his XXXX or his taxes, to prove his income, but I sent his taxes, income verification letter, and several months paystubs. I got run around when calling Carrington.
Product: Debt collection

American Revenue ManagemenXXXX in XXXX, California falsely reported to the credit bureaus that I have a past due debt from XXXX Chos XXXX despite never contacting me, never validating the debt, or even offering me an opportunity to pay any debt. The so-called debt just appeared on my credit report on XX/XX/XXXX as owed since XXXX but I have never received so much as an email correspondence about it. I emailed American Revenue Management and they initially responded saying they would follow up but I have not heard from them since. My credit is plummeting unfairly. Not only was the debt never initially validated as legally required, but I never even received any communication after that, and am still not receiving any proactive communications from the debt collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, PHOENIX FINANCIAL SERVIC add a derogatory mark on my credit reports. PHOENIX FINANCIAL SERVIC did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, the company XXXX XXXX XXXX XXXX charged off my account in the amount of $ {$6200.00} and did not send me a 1099-C form for a Cancellation of Debt which I am entitled to. I have contacted them and they have not responded back as of yet. This item is reported on my credit report and has put a negative ding on my credit report.