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

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX XXXX of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX XXXX
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 USC 1681.

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 a account without my written inructions 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. 

These are the inquiries which should be off from report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

On Thursday XX/XX/XXXX I received a call from an unknown number which I ignored. Moments later I received a call from my son stating that he just got a call. When he answered the phone, the man said " Is this XXXX XXXX, Social Security number XXXX ( actually reading off his social ) my son said yes, now who the XXXX is this. The man asked if he knew me. My son said yes, what is this about?. The man said " She knows what this is about. Have her call XXXX extension XXXX. He then hung up on my son. I then called this number and asked this person who he was and explained that what he did is illegal. He stated " no its not. Just wait for your papers in the mail. '' The company is Schreiber law of XXXX NH, hired by XXXX XXXX XXXX. I have a job that requires clearance. This company calling relatives and rattling off social security numbers without knowing who they are speaking with is a breach. Can someone please educate them. Thank you.
Product: Debt collection

Credit Collections has failed to provide any documentation giving them the legal right to say i owe them alleged debts in the amounts of {$190.00} and {$260.00} and to respond to my cease and desist notice sent on XX/XX/XXXX to an address specified herein. Credit Collections has reported this Deceive and inaccurate information on my credit report to XXXX, XXXX XXXX, and XXXX without my consent tarnishing my character and general reputation. Credit Collections has abused and deceived me into believing that I was obligated to pay this alleged debt. After speaking with a Supervisor of the company, She informed me that this alleged debt was charged off via 1099C to the Internal Revenue Service and Credit Collections purchased this debt, now requiring me to pay them. Credit Collections has violated the Fair Credit Reporting Act, Fair Debt Collection Practices Act and the Dodd-Frank Act and must be held accountable due to Non-compliance. ( 15 usc 1692k ( c ) ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Proof of Claim
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX : {$460.00}, XXXX XXXX Balance : {$260.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$1100.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Debt collection

I received a collection no tice from Hunter-Warfield cl aiming that I owed {$700.00} principle and {$51.00} interest. The debt was supposedly being collected on behalf of  XXXX   XXXX   XXXX , the owner of an apartment I rented, the notice was dated  XXXX / XXXX / XXXX .   I moved out of the apartment in  XXXX   XXXX , the end of the lease, and the prope rty manager told me everything was fine and I did n't owe anything. A year later I received the collection notice. I called Hunter-Warfield and requested a copy of the contract, and validation of the debt, which they are required by law to provide, according to the Fair Debt Collection Practices Act ( 15USC1692 ).    On  XXXX / XXXX / XXXX   Hunter-Warfield adm itted over the phone that they do not have the contract or validation of the debt. They told me they would stop trying to collect, and would contact the credit bureaus to correct the situation. They said they are unable to provide a written statement that they have done so, and they also are unable to close my case, all they can to is stop trying to collect.   They claim that they are unable to cancel the collection. If they do n't have the contract or validation, they have to cancel the collection.   I am pretty sure that in 6 months to a year they will attempt to collect this debt again, that is why they wo n't provide a written statement or close the case. They were illegally trying to collect a debt that I never owed, and they certainly never had any evidence that I did, and they are keeping the case open so they can try to harass me again in the future.   I am certain their response will be " company believes the complaint is a result of a misunderstanding ''.
Product: Money transfer, virtual currency, or money service

This issue is with Paypal. I've been letting them handle my finances for years now and I've NEVER had them hold on to funds that was sent to me for more than three days. I was sent a payment on XX/XX/XXXX of 2018 through a free service to send money to friends and family from a trusted company that is Paypal verified in the amount of {$3800.00} ( USD ) and Paypal said the payment was sent via a echeck which takes 3-5 business days to clear. I asked them for a credit until the funds was available and I was denied by a escalation supervisor by the name of XXXX XXXX ext. XXXX. It is now XX/XX/XXXX XXXX EST and my funds are still not available as promised. I called in XXXX times today alone and was assured my money would be available today. I am currently still on hold with Paypal for a fourth time and my wait time is now up to 2 hours and 30 minutes with no resolution. I was informed by the company that sent me the money that the {$3800.00} was taken out of their account over three-four days ago so that tells me that Paypal is holding my funds.
Product: Checking or savings account

We only got notified that the accounts were closed due to inactivity by the account statement, no notice ahead of the closing, this is for both a checking account and a savings account. The accounts were closed on XX/XX/year>, we received the checking statement the end of XXXX and the savings statement the end of XXXX. 
we have opened case # XXXX with Wells Fargo on XX/XX/XXXX using ph. number XXXX, told an email with the affidavit would be sent. never received it, called end of XXXX and escalated issue, called again on XX/XX/year> and told same thing. That is is out to unclaimed dept. and that they can only send request but can not contact them directly and that I could not contact the unclaimed dept. directly either. so I open this complaint to see if you can get them to just send the simple email to get the process started to reclaim the money.
Product: Mortgage

XX/XX/XXXX, I applied for a mortgage with Lennox Mortgage Corp/ DBA WesLend Financial and they quoted me for XXXX year fixed at 4.875 % and then the closing cost fee went from {$1500.00} to XXXX on XX/XX/XXXX and went up again to {$3300.00} on XX/XX/XXXX. In the beginning of the loan process, they were trying to earn my business against another lender and each kept lowering their fees while keeping the rate where it is. But after a few weeks in the process they're jacking up their fees again. They've sent me redisclosures two times this month but won't give me an update of when we can close. I think they plan on jacking up the fees until I'm desperate enough to just sign before the next payment is due. This is not very honest lending practices.
Product: Debt collection

This credit debt was paid off over 2 year ago and the creditor is refusing to take it off my report. 
I am in the process of getting a mortgage and the company is being super awful and no cooperating with me. 

I'm attaching my bank statements to prove this debt is paid.
Product: Debt collection

Transunion  and XXXX XXXX XXXX, I am requesting that you allow me to validate the alleged debt. I am UNAWARE of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my listed address and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Product: Credit reporting or other personal consumer reports

There was a dispute filed XX/XX/XXXX regarding inaccurate and unverified furnishings on my consumer report. There were 9 inaccuracies reporting and damaging my financial reputation and credibility. After investigating Equifax verified that the furnished information was inaccurate and removed all 9 disputed inaccuracies. The removal and verification of the inaccuracies proves violations of The Fair Credit Reporting Act, Consumer Financial Protection Act of 2010, Fair Trade Commission Act, The Privacy Act of 1974, The Fair and Accurate Credit Transaction Act as well as a direct violation of 12 CFR 1022, 15 USC 1681 ( a ) ( b ), 15 USC 1681 c ( h ) ( 1 ) INACCURATE AND FALSE REPORTS. There was no validation and or verification provided by me to Equifax before these inaccurate reports were furnished Violating 15 USC 1681 ( b 2 ) ( i ), 15 USC d ( B ) nor was there an opportunity to opt out of the furnishings pursuant 17 CFR 248.124
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as XXXX XXXX compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom you make concern I have contacted ALL companies : SYNCB, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told. 
That these accounts were removed from my credit report.Because they are fraudulent accounts.I have not given no one.My personal information nor have I signed up for anything online. I am a victim of identity fraud. 

XXXX : SYNCB : XXXX XXXX XXXX, 2024 INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX, 2024 INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2024
Product: Money transfer, virtual currency, or money service

On Wednesday XX/XX/XXXX, I was using the mobile check deposit through my bank. They use info money services. I took a picture of the front and the back of the signed check from XXXX insurance company. They tell me my funds will be deposited, I just have to write void on the check and send them a picture to complete the transaction. I do that and they reject the check so now I can't get it cashed anywhere else because they made me write fraud on it. I really needed that money. This is an absolute scam and I fell they like they are stealing the funds from the check for themselves.
Product: Credit reporting

I have sent the demand letter to XXXX credit bureaus for updating my credit report and scores, but they do n't do anything, I still not get my credit report. 
Please update it now, it is my right to have that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to remove an unauthorized account from my consumer report. They refuse to follow the fair credit reporting act. My rights are continually violated. Pursuant to 15 usc 1681i, they have not conducted a proper investigation. Instead, they allow the fraudulent creditor to make the decision of whether they want to delete the fraudulent account or keep reporting. 15 usc 1681i states that the credit reporting agency is required to conduct an investigation with consideration to the information I provide, and make an impartial decision. Equifax is not acting fairly towards me nor are they protecting my privacy. 
Equifax is reporting two different credit scores as on XX/XX/2022. They are reporting a XXXX as well as a XXXX. This is a violation of the Fair Credit Reporting Act. Equifax recently lost a lawsuit for this same practice and continue to violate consumers with this illegal practice. Equifax is also allowing an unauthorized creditor to report two accounts with the same information, on to my credit report. This is another violation against my consumer rights. Equifax obtained no permissible purpose for these unauthorized accounts, and are allowing companies to pay them and cause harm to me and with no regards for my life or future.
Product: Checking or savings account

I opened a checking account with Citibank N.A. through their online portal and funded the account in the amount of {$15000.00}. I received a bank statement for the period XX/XX/2018 through XX/XX/2018 that stated that the deposit had been made on XX/XX/2018. 

On XX/XX/2018, I called Citibank to inquire why I could not activate the debit card that they had sent me and I was advised that the account had been closed by Citibank. They claimed there were issues about my address and they unilaterally closed my account when they could not resolve the issue. I was further told that in order for Citibank to send me my money they would need a copy of a utility bill. On XX/XX/2018, I faxed a letter to Citibank that stated that I do not have a utility bill in my name as they are in my husband 's name and his last name is not the same as mine. I faxed Citibank a copy of the debit card which I had received and the copy of the bank statement as proof that the address that they had was a good address. 

On XX/XX/2018, I called Citibank to confirm receipt of my fax. I spoke with XXXX in the New Accounts Department ( she refused to give me any last name or employee information ) and she said that she could not send me my funds unless I had a utility bill or went into a bank branch to get my money. I live in Georgia and the nearest branch is in Washington D.C. I offered to send a copy of my driver 's license to prove my address but she told me that that was not acceptable. I asked to speak to a supervisor and XXXX told me that there was no supervisor available. 

I need the help of the CFPB to get me my {$15000.00} which Citibank is illegally holding.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I asked for a C.a.r.e.s. act forbearance on my loan and it was granted for 3 months. After 3 months I received a letter stating that the forbearance was automatically extended for 6 more months. During the Cares forbearance Shellpoint continued to bill me of which there is a current class action lawsuit. Due to the fact that they kept billing me I wasn't sure if I was delinquent or not because of the frequent bills coming in. The mortgage company never told me exactly when my forbearance was over and they then reported me 30 days late to the credit bureaus in XXXX XXXX which damaged my credit rating severely. I need Shellpoint to remove the 30 day late from my report. I am currently current on my payments after finding out exactly what was going on due to the companies negligent billing practices. 

Shellpoint also added a 3rd party insurance policy to my account even though I faxed them my current condo insurance twice and uploaded it to their website. I need this insurance premium refunded to my account as I was already insured and provided proof 3 times...
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 XXXX5 USC 1681.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 card or prepaid card

I received a cash rebate check from citi card on XX/XX/XXXX and deposited into XXXX XXXX XXXX. The check was returned by the bank because inadvertently we deposited into the wrong account in which the payee on the check was not on the XXXXXXXX XXXX XXXX account. 
We took the returned check and deposited in the correct account at XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX and the deposits where both returned RETURN REASON-S REFER TO MAKER. 

I have contacted XXXX XXXX XXXX and they have referred me back to citibank, stating the check was returned I have contacted XXXX and they have referred me back to citibank, stating that the check was returned i have contacted citibank many times on XX/XX/XXXX i received a letter stating the check was cashed on XX/XX/XXXX that the check was cashed on XX/XX/XXXX that the i need to complete a affidavit to further investigate on XX/XX/XXXX that the check was cashed on XX/XX/XXXX that the check was cashed on XX/XX/XXXX that the check was cashed on XX/XX/XXXX that the check was cashed and cleared Every letter came with a copy of a check with blank endorsement on the back not showing where or what bank cashed the check on XX/XX/XXXX they sent me a fraud inquiry, i completed the form and faxed it back on XX/XX/XXXX and then again on XX/XX/XXXX. 

I contacted them XX/XX/XXXX and was told by XXXX XXXX # XXXX that there is nothing citibank can do. 

I need your assistance in getting my money