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

Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent inquiries to my credit file. As a result, I disputed this identity fraud inquiries with this company on XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. 
But until now, as I am writing to you, this company is still reporting these fraudulent inquiries contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. Please REMOVE this fraudulent information from my credit report, as per 605B of the Fair Credit Reporting Act : XXXX XXXX XXXX Inquiry DateXX/XX/XXXX XXXX XXXX XXXX Inquiry DateXX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/ XXXX XXXX Inquiry Date XX/XX/ XXXX XXXX Inquiry Date XX/XX/ XXXX XXXX XXXX Inquiry Date XX/XX/ XXXX XXXX XXXX Inquiry Date XX/XX/ I am attaching the dispute letter/documents I sent to this company on the XXXX and my FTC report, in case they need to reference or review.
Product: Debt collection

You will see in my attachment I have no way to verify who or what this debt even is reporting on equifax. What I know for FACT is I owe no medical debt in any way shape or form. 

This account needs to be removed as its not accuracy. It provides nothing in the way of a contact.
Product: Debt collection

I first received notice of XXXX XXXX XXXX XXXX of XXXX, RI, attempt to collect a debt owed from XXXX in XXXX, by way of a letter sent to an old address that was then forwarded to me. At that time they had already charged 2x the principal in interest. Before this I suspect they had called me repeatedly, often daily, sometimes more than once per day, but never left a voicemail regarding what the call was about, or attempted to communicate in any other fashion, other than calling me from random phone numbers, often Rhode Island numbers, and again, never leaving a voicemail. I never picked up any of the calls because I did not know who was calling at the time. Upon receiving the first letter, after it was forwarded to me, I was already told I owed twice the original amount. It was also for something that I believe I paid, however any records I produced they said were insufficient to discharge the debt. I asked for them to reduce the interest, the declined. In XXXX I moved out of the state of Rhode Island and no longer had a vehicle registered there. I ultimately paid the amount in full to avoid reprisals, because they threatened in a second letter they would use anything I gave them against me to enforce the debt. There were two separate bills, both from the XXXX of XXXX XXXX XXXX, XXXX from XXXX for {$670.00} ( principal : {$370.00} ) and one from XXXX for {$600.00} ( principal : {$350.00} ). The first letter I received was in XXXX or XXXX or XXXX, I called them shortly after receiving the letter. The second letter was received in XXXX of XXXX. I attempted to make a payment on XX/XX/XXXX, my credit card was charged for the full amount of {$1200.00}, however their system still says it has not been paid.
Product: Prepaid card

I am writing to file a formal complaint regarding the theft of my benefits from my account with Bank of America. and my benefits were deposited directly into my account. Unfortunately, I discovered that these funds were stolen without my authorization. 
In XX/XX/year>, I noticed discrepancies in my account balance, and upon further investigation, I found that the benefits deposited had been withdrawn I immediately contacted Bank of Americas customer service on and reported the theft, but despite my efforts, the issue has not been resolved, and the funds have not been returned. 
I have taken all necessary steps to protect my account, including changing reviewing security settings, and reporting the issue to Bank of America. However, I have not received adequate assistance, and my benefits have not been restored. This has caused significant financial hardship, and I am seeking your assistance in ensuring that my stolen benefits are returned and that further fraudulent activity is prevented. 
I am requesting that the CFPB investigate this matter and assist me in resolving this issue with Bank of America. Please let me know if you need any additional information or documentation to proceed with my complaint. 
Thank you for your time and attention to this urgent matter. I look forward to your prompt response.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my TransUnion credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. 

The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX. 
Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, XXXX, and TransUnion ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, XXXX and Experian operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 was in Jail at the time that this loan was taken out so i do n't know how I am anyway liable for this.
Product: Checking or savings account

As of XX/XX/year>, customers ( including me ) are unable to log on to the Optum Bank system to submit claims and check on the status of claims. Attempts to log on are met with the message " Something went wrong. Please refresh your browser and try again. '' In conferring with other XXXX retirees who use the Optum Bank  XXXX system, this is a widespread problem affecting all users. Moreover, other logon problems began about a XXXX weeks ago. The other logon problems were reported to Optum Bank representative XXXX XXXX, who has promised to respond but has not done so. 

Additionally, when calling Optum Bank customer support to inquire about the anticipated duration of this problem, the customer support representatives can not hear callers at all.

It is clear that Optum Bank 's electronic systems are in horrific disrepair and the failures are getting worse by the day.

When will these problems be resolved? What steps is Optum Bank taking to stabilize their systems?
Product: Payday loan, title loan, or personal loan

It was false advertising and they took my personal information and my bank account information. I asked if they can delete or cancel my account with my bank account information and they said No. I need my account deleted since I will not be using the account at all. They were very misleading with getting a line of credit. 


Dear XXXX XXXX, Account XXXX XXXX XXXXXXXX Thank you for contacting NetCredit. 

In regards to your recent inquiry, we regret to inform you that NetCredit can not honor your request to delete your personal information from our database. We are required by federal and state laws to retain and keep a record of any customer information submitted to us. 

Be assured that we take data security and privacy very seriously and safeguard all information that we obtain. For more details regarding the collection and use of customer data, you can review the NetCredit Privacy Policy at https : //netcredit.com/privacy-policy. Each NetCredit customer acknowledges that he or she has read and consented to the terms of the Privacy Policy prior to completing any transaction on our website. 

If you have any additional questions or concerns, our customer support team is available Monday Friday, XXXXXXXX XXXX XXXX and Saturday - Sunday, XXXX at ( XXXX ) XXXX. You can also sign in to view your account details online at any time. 

Sincerely, The NetCredit Customer Support Team Phone : ( XXXX ) XXXX Email : XXXX Fax : ( XXXX ) XXXX www.netcredit.com
Product: Checking or savings account

I deposited a check through mobile banking whi ch Webster Bank approv ed. Almost a week later they returned the check. I contacted the bank on  X/XX/17    and the representative notified me that the check was returned because they could not read the check even though they approved it. She told me she would reverse all of the bank fees. I cashed the original check and deposited cash. On  X/XX/17   . I received another notification of a fee. I called to have it reversed and the bank refuses to reverse it.
Product: Credit reporting or other personal consumer reports

Upon checking my consumer credit report I have found XXXX wrap errors and inaccurate information being reported on my personal consumer files. I have contacted the companies. And also the credit bureaus to remove this information immediately from my credit files and to send me verification of the debt that they claim I owe. I have not gotten a response and it has been over 45 days. I ask that all accounts, inquiries, addresses l, phone numbers, incorrect names, and employment be removed from my personal consumer credit files immediately. I have filed a complaint with FTC, XXXX, and the state commission representative. I have attached the FTC report. My personal information was found in Experian, XXXX and XXXX data breach. I am also being harassed by third party collections agencies that my personal information was sold to with out my consent or knowledge. 

The following inquires should be removed : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX The following account should be removed : ( Listed on the FTC report ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

16th compliant lexisnexis keeps saying I did not provide new information. What information do they need I provided it I have no idea who XXXX and XXXX XXXX are [ s you can see i have complained about this company 8 times this will be the ninth. Let 's go back to complaints 1 through 7. As you can see they had verified proof that I lived at XXXX XXXX XXXX XXXX XXXX. Guess what the street the address does n't even exist. It was till I did my own research on XXXX maps that I found the street or the address did not exist. Again now after complaints 7 and 8 they are saying I lived at XXXX XXXX XXXX XXXX as verified proof again this is completely FALSE and misleading information!!! Again let me STRESS I want to be crystal clear. lexis nexis stated on 5 different occasions I lived at an address that does n't even exist!!!! Now they are claiming again as verified proof I lived at XXXX XXXX XXXX XXXX. Let me tell you for the 9th time this is FALSE AND MISLEADING information. Again I want to point ot 5 times they said i lived at an address that does not exist. So again I did some homework and guess what the home at the time belonged to a XXXX XXXX and XXXX XXXX.. Not XXXX XXXX . please have this corrected ASAP. They are providing FALSE AND MISLEADING INFORMATION. They did not investigate this just like they did not investigate the 1st 6 complaints
Product: Debt collection

MY RESPONSE TO COMPANY RESPONSE LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER V 1692 Quick search by citation : Title Section 15 U.S. Code 1692 - Congressional findings and declaration of purpose U.S. Code Notes prev | next ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers.

( c ) Available non-abusive collection methods Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts.

( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce.

( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses.

15 USC 1681 I ( 7 ) - METHOD OF VERIFICATION IF YOU USE THE FIRST TWO LAWS AND YOUR DISPUTES COME BACK AS ACCURATE, YOU CAN USE THIS LAW TO DEMAND PROOF OF THE INVESTIGATION THAT TOOK PLACE TO VERIFY THE ITEMS IF THEY CREDIT REPORTING AGENCIES CAN NOT PROVIDE IT, THEY MUST DELETE THE ITEMS FROM YOUR REPORT my name is XXXX XXXX false information on my credit report I noticed today XX/XX/XXXX IT IS NOW XX/XX/XXXX I ask please to DELETE and remove false items reporting on my credit. thank you Have a Good day ACCOUNT NAME : LVNV FUNDING LLC Original creditor : XXXX XXXX XXXX XXXX Account number : XXXX Balance details 0 % paid off Balance {$660.00} Balance updated XX/XX/XXXX Original balance {$660.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$660.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Company Contact info Account Name : LVNV FUNDING LLC Address po box XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft.

I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to the XXXX bureaus directly through this platform.
Product: Money transfer, virtual currency, or money service

I initiated multiple deposits to the app Robinhood for XXXX, XXXX, and XXXX within XXXX days of each other from dates of XX/XX/XXXX to XX/XX/XXXX of 2024. After using RobinHoods services I realized the app was not what I was looking for in terms of money investment and initiated a withdrawal of my funds. As of now Robinhood has restricted by account from fully withdrawing my funds and keeps delaying the restrictions each day. I have attempted to contact customer support and each time I am unable to do so through the app.
Product: Mortgage

XX/XX/2018 Co.Rushmore loan management services located in XXXX Ca XXXX. My name is XXXX XXXX from XXXX Illinois address XXXX XXXX XXXX XXXX XXXX. I called today asking for a A home equity loan or refinance this company couldnt provide neither one they said stop doing it in XX/XX/XXXX of this year XX/XX/2018. This Co.Never sent no email phone call or mail that they were stop providing this Service and didnt know if they were going to ever do so again something has to be done about this problem
Product: Mortgage

In response to my complaint, # XXXX-XXXX, PHH Mortgage submitted requested Power of Attorney, which is IRRELEVANT. Presented document effective XX/XX/2013. I request to provide Power of  Attorney, which pertain to the time frame from XX/XX/2013 to XX/XX/2013. In the order to justify my request I provide documents related to the Sheriff 's sale, XXXX county, Wisconsin and court orders, XXXX County Circuit court. Property was conveyed to the investor XXXX XXXX XXXX XXXX   XXXX on XX/XX/2013, Electronic Real Estate Transfer Receipt XXXX. 
Therefore, after this date neither GMAC nor Ocwen had nothing to do with the loan and the property. 

XXXX XXXX.
Product: Payday loan, title loan, or personal loan

I received a statement from a lawyer threatening to sue me if i did not pay the {$100.00} I owed them. ( Which in my opinion I don't think I should of paid in the first place. Please see the previous disputes against this company. ) After receiving this letter, I mailed them a {$90.00} money order and {$10.00} in cash to pay out the account so I wouldn't have to deal with them ever again. It's been about 2 months since I mailed this and I have yet to receive a receipt of the payment or a signed, and paid stamped Promissory note. I paid this company off even when I thought I shouldn't have. So it would be nice to get a receipt and paid stamped promissory note so I can keep it for my records if anything was to ever happen in the near future lawyer wise. It's only fair to get a receipt when you have paid out an entire loan, and this company is so backwards I have yet to receive it. I have filed complaints online with the company and they NEVER respond to me. I am just not sure what else I can do at this point besides reach out to you and the XXXX  about this issue. So I would like to have the receipt emailed to my address ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been playing games and using stall tactics to not send me my " Credit File '' also known as " FILE '' under 15 USC 1681a ( g ). Experian decided to only send me my Credit Report and pretend as if they were sending my " Credit File '' as well just to close out my first complaint. It has been over 4 months and slowly coming up on 5months since I requested my " File ''. Experian is so unprofessional and I preparing to sue them in court if this matter is not solved in 7 days of seeing this complaint and replying back they are sending my ''Credit File ''. In the FAIR CREDIT REPORTING ACT under 15 USC 1681a ( g ) it states the following below : " The term ''file '', when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. '' I advise Experian to send me my " FILE '' expeditiously or LITIGATION will be brought upon them for violating my consumer rights.