23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2018, 2 purchases for {$400.00} and {$250.00} was made on my card in XXXX, MD at a XXXX store. I've never been in XXXX, MD nor did I give my card to anyone. I was not able to report the transaction to the credit card company till XX/XX/XXXX. XX/XX/XXXX received paperwork, including a police report to dispute the transaction. The credit card company agreed to refund the entire amount of the purchase on XX/XX/XXXX. On XX/XX/XXXX, the money was put back in my account and on XX/XX/XXXX the credit card company took the money back out.
Product: Mortgage

When I logon to my account with Newrez LLC dba Shellpoint Mortgage Servicing ( Shellpoint ) loan number XXXX, I am greeted with : " Our records indicate that your loan has been service transferred. You can view electronic documents sent to you by Shellpoint prior to when the servicing of your loan was transferred. For any additional documents or information pertaining to servicing of the loan, please contact Customer Care toll free at XXXX, Monday through Friday, XXXX XXXX until XXXXXXXX XXXX MT. We accept calls from relay services on behalf of hearing impaired borrowers. '' They do NOT answer their phones, have NOT mailed me a letter, and there is nothing in their Document Center indicating the new servicer.

Per CFPB it is very clear that both the current and new servicer need to send details about the transfer. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit report is affected by these accounts i never opened. I feel that I am being ignored about this matter. This reporting errors has caused me a lot of stress because my credit has been affected by this for some time.
Product: Checking or savings account

Hello my name is XXXX XXXX and i will like to make a complaint against the navy federal credit. My reason for making this complaint is due to the unethical conduct that has been engaged towards me by this institution. I applied for a personal savings, checking and as well as for my small business as well. 

The accounts was approved and was funded. After the approval of the membership application on both the personal side and business side. I decided to apply for a business checking line of credit and the application was approved after farther review and documentation review. 

Right after the approval of the business line of credit, navy federal decided to place a security on both accounts and will not allow me to have access to the accounts both online and over the phone.
This is frustrating because every-time that i call navy federal they refuse to give me information on my account status and also refuse to give me the money in which was deposited to fund both accounts.
I am writing the CFPB, because i have not had access to both my personal accounts with navy federal and business account with navy federal for almost 3 months now and they would not allow me to have access to the funds in which are currently deposited in both the personal account and the business account.
Product: Checking or savings account

Huntington National Bank has called repeatedly for several years stating I had an overdraft with their bank. The last time I spoke with someone reporting to be from the bank, I advised the debt ( if any ) was past the statute of limitations. Today, I received a call from someone purporting to be representing Huntington National Bank, at the number XXXX. The company at this number states they are XXXX XXXX XXXX corporate office, and provided reference number XXXX. They stated Huntington Bank is sending documents to my address for a civil suit and judgement against me. According to this company, this is stemming from an account that has not seen activity since 2004. 
I advised the representative from this company to send me the information to validate the debt, but regardless, the statute of limitations on the account ( written contract ) is well past- this is a 20 year old debt, if I in fact even owe this. I am extremely frustrated, as I have never received any documentation supporting this supposed debt, regardless of how many times I have requested validation in writing. Additionally, I do not care to be threatened with being sued and garnished from a civil case that A ) is well past the statute of limitations on debt collection, and B ) I have yet to receive any documentation on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone obtained my information and pursued to utilize it to apply for some apartments and more.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$42000.00} XX/XX/XXXX XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$37000.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$110.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 ITEMS. 
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: Debt collection

I have disputed this account and have reached out to the company/creditors MANY times but failed.  This account is being reported inaccurately and incorrectly on my credit report.
Product: Debt collection

We began receiving phone calls at all hours from the company XXXX XXXX XXXX around XX/XX/XXXX of this year,XX/XX/XXXX They would hang up on us when we asked who they were. I received a letter from them on XX/XX/XXXXstating I owed for a supposed account and a stated amount. I do not owe any outstanding debt and my credit is very good. I received another phone call this morning XX/XX/XXXX. The lady told me that there was a " claim against my social security ''. I told her she was wrong and she hung up on me. I called back and spoke to a manager. He stated He was going to see me in Court because I don't pay my bills. These people are breaking the law and violating the FDCPA by representing themselves as lawyers and threatening legal action on a debt that probably is 15 years old. I have no current issues with unpaid debt and haven't for over 15 years. These people call and make false statements, hang up on us and threaten legal action. I am sick of these people breaking the law. We would appreciate very much your assistance. Thank you.
Product: Debt collection

In the later part of XX/XX/XXXX I noticed a negative remark on my credit report through XXXX XXXX. I contact the company listed on the remark Credit Information Bureau , Inc at which point i spoke to XXXX. I asked her to please provide validation of the debt claiming to be owed. On or about XX/XX/XXXX I received a Letter from this company stating this was an attempt to collect a debt with an unknown history inquiry at which point several additional attempts were made to contact this company again inform them this is not proper validation in which I requested but no one from the company returned my call. On XX/XX/XXXX a Debt Validation Letter was mailed certified to Credit Information Bureau and to date they have failed to respond to my request. All copies of above stated documentation has been attached to this complaint.
Product: Credit reporting or other personal consumer reports

I sent in a dispute to Equifax concerning my credit history after retrieving my credit report. The items that was on my report was not accurate and I was sent a completely different report than what I retrieved from online. There were inaccurate information that was a violation to my FCRA, section 609, and several 15- U.S.C . rights. I sent in my personal ID, SS and address information with my letter and it was returned as a reinvestigation with all of my previous dispute request had no removal and all the information was updated to this present time. There are 17 inquiries on this report that I did not give consent to. There is a credit card I did not co-sign for and already reported this account to the company. I am a XXXX XXXX women and the date of ith reported on me is for XXXX XXXX XXXX. Why? This is ridiculous. Equifax also is reporting my old employment. 

All things was put in my initial letter sent.
Product: Credit reporting

I requested an investigation into adverse information posted to my account at Trans-Union. The request was submitted on/about XX/XX/XXXX. The adverse information was related to a contested billing by XXXX. for wired phone services. I closed the account in XX/XX/XXXX and XXXX continued to bill for four additional months after the account was closed. XXXX posted an adverse non-payment notice to my credit agency account for the false billing for the four additional months. This was even though I had submitted evidence from XXXX 's credit proxy, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX ( XXXX ) ( Confirmation # XXXX ), agreeing with me that the claim by XXXX was incorrect. XXXX subsequently documented its agreement with me and reported that XXXX 's billing claim was incorrect, to XXXX. I sent documentation ( approx. XXXX pages-attached here ) to Trans-Union depicting this process. 

Trans-Union did not review the documentation. Trans-Union did not conduct a meaningful and detailed investigation into my rebuttal of XXXX 's adverse information that Trans-Union posted to my account. They did not even call XXXX ( no phone number of phone call log information was provided by Trans-Union ) or verify the results of the XXXX investigation. Trans-Union just took the last bill submitted by XXXX and regurgitated it back to my account as evidence that the adverse information was correct. There was no indication or documentation that they investigated my rebuttal. All they had to do was read the information that I submitted ; there was no indication they bothered to do this. The adverse information posted by Trans-Union to my account stating that I did not pay XXXX is incorrect ; I did not owe XXXX for the four months they claim, after I closed my account with them. Documentation that I submitted to Trans-Union contains my confirmation number of the closure. 

Trans-Union must complete a fair and full investigation and remove the adverse report generated for XXXX in my account. This is my XXXX request for a fair and complete investigation ( my XXXX was the written request to trans-Union on/about XX/XX/XXXX noted above ). I would like evidence that Trans-Union has read all the documentation I sent to them and provide a description of the process by which they reached a decision.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and identity theft. As a result, several unauthorized accounts and inquiries have appeared on my credit report. I am requesting that these items be blocked and deleted immediately under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Below is a list of fraudulent accounts that need to be removed from my credit 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 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 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 XXXXXX/XX/XXXX
Product: Debt collection

CashNet USA hired a collection agency that have called from various numbers. 

XXXX XXXX reference file XXXX They have called my employer and threatened to go to my workplace. They also shared my financial information. I am at risk of losing my job for harassment by this debt collecting agency. 

Email I requested a cease and desist. XXXX They have also called a lot of friends and family I am not even associated with, also sharing my financial information and threatening them that they will be going to their homes.
Product: Checking or savings account

Huntington Bank consistently runs maintenance at XXXX am to XXXX am EST, not allowing customers to check their account balances online or by calling their telephone banking services. This causes lower class and minority customers like myself to overdraw accounts and the embarrassment of declined cards during. This also takes advantage of individual who may be consuming alcohol during these hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  should not be reporting a collection/chargeoff on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and was opened fraudulently. I do not now, nor have I had in the past, an account with XXXX. ( I have attached a copy of the Police Report I filed for reference. ) This false reporting of an account that is past due and 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 contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I have discovered an unauthorized account on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed to Experian, XXXX XXXX XXXX for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution.
Product: Debt collection

In XX/XX/XXXX from XX/XX/XXXX until XX/XX/XXXX I've sent 4 different letters to the XXXX   credit bureau demanding them to let me see verifiable proof ( an original consumer contract with my signature on it ) from Santander consumer USA .Because according to the FCRA section 609 ( a ) ( 1 ) ( A ) They are required by federal law to verify through physical verification of the original signed consumer contract- any and all accounts they post on a credit report. Otherwise anyone paying for there reporting services could fax mail or email in a fraudulent account. They never sent me a copy of the original signed contracts or deleted these accounts despite 4 written letters violating federal law. They always responded these accounts were verified and being reported correctly, but they never told me who verified these accounts or sent me any original documentation as required by section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 7 ). Under section 611 ( 5 ) ( A ) of the FCRA they're required to promptly delete. The law is very clear as to the civil liability and remedy available to me if they fail to comply under the ( section 616 & 617 ) The Santander account is a XXXX dollar debt from XX/XX/XXXX written off with a XXXX dollar past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo is reporting inaccurate payment information on my credit report. I have attempted to dispute this directly with the 3 credit bureaus however ; that was of no avail. I have sent Wells Fargo a FCBA Evidence Request with no response. This account is paid in full.
Product: Money transfer, virtual currency, or money service

hello cfpb, the name of company that i want make complainis coinflip bitcoin atm, i called them to reverse the transaction, i told them, i was scammed and used their atm to deposit money. 
it has been 2 weeks and never heard from them, they said, they will investigate and never heard from them.pls assist- i have nowhere to go to phone number : XXXX XXXX coinflip receipt : XXXX for XX/XX/XXXX {$500.00} coinflip receipt : XXXX for XX/XX/XXXX{$700.00} coinflip receipt : XXXX for XX/XX/XXXX {$800.00} i tried to reach them via email at XXXX but it will direct you to call the XXXX shown above thanks
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX  # XXXX Account name : XXXX # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX  # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX  XXXX  # XXXX Account name : XXXX  XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX # XXXX Account name : 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 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 keep getting alerts by email, about my credit. I have not applied for any credit with these companies and these inquiries are unauthorized and/or illegal!! My mom has an alert with XXXX, our cellphone company and it alerted us that our email is on the dark web and my name & Social Security number is too due to a data breach! 
I took the time to contact each company separately and neither one could give me any information on where this inquiry came from. The only course of action they gave was to the credit bureaus. However, the credit bureaus are stating I need something in writing from each company, before they can remove the unauthorized inquiries. The FCRA states that the only permissible purpose for pulling someone's credit is for : Firm Offer of Credit, insurance, Employment, Court Order. 

Since I have not applied for or done either of these, the unauthorized credit inquiries are related to none of the aforementioned permissible which are as follows : XXXX/XXXX  - XX/XX/23 XXXX XXXX  XXXX XXXX XX/XX/23 XXXX XXXX XXXX XXXX XX/XX/23 Please remove these inquiries from my credit report immediately. I have enclosed a copy of my ID as proof of my identity.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 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 or other personal consumer reports

Inaccurate reporting of information on consumer credit report. They sold the account and is still reporting on my account along with negative information. I should NOT have XXXX of the same accounts reporting.
Product: Debt collection

I get repeated calls from Open Road Lending and I do n't have any loan accounts with this agency. Please stop the calls
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Ive disputed this account twice. XXXX XXXX  as well for XXXX Also XXXX and associates XXXX different accounts XXXX for XXXX, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.