23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

DCI began calling my cell phone, my husband 's cell phone, my house, my XXXX XXXX XXXX 's cell phone and my XXXX XXXX XXXX 's phone numerous times. We have asked for them to stop calling regarding an issue with XXXX XXXX XXXX as my husband spoke to XXXX XXXX XXXX  and the debt does not exist. The account is in my husband 's name however this company continues to call and discuss the issue with me although improper. I have instructed my children to not answer their phones if the number is not attached to a contact already in their phone. This company continues to call these numbers as recently as yesterday though I have told them this debt does not exist and to stop calling. They are calling my children 's phones during their school hours, my work hours and it is completely out of hand and is harassment at this point, especially calling our children 's phones multiple times a day. I have filed a dispute with this company as well. This company needs to stop this harassment ASAP.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquiries that do not belongs to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

This is a official complain against Loan Care Address : XXXX XXXX XXXX XXXX PA XXXX My loan # XXXX was transferred ( sold ) to Loan Care and the customer service is terrible. The mortgage was transferred from XXXX after they went bankrupt. I still haven't received any papers in the mail from Loan Care on time, No received Welcome letter after mortgage is sold to them. If you need info about mortgage payment escrow and ask to speak whit Manager that will be not happen. I call few times and ask representatives that I prefer to speak whit manager because they never give me answer on my question or problems I have whit Loan Care. All times I call representatives promise that Manager will call me next day. HoweverManger never calls me yet. Probably this company does not have manager. XX/XX/2019 I receive letter starting that I need to pay two payments in one monthWhy According to letter from XXXX I receive mortgage payment will be the same no changes to escrow, monthly payment or home insurance will be made from Loan Care all will be the same. Loan Care recalculates my mortgage payment out of any reason. Refuse to send me letter two weeks before my payment is due. Out of any reason they send letter one or two days before payment is due. For sure they delay to posting payment on time to my account probably they fail to make payment on time to properly taxes and insurance all together. I am writing to bring to your attention a serious issue I believe that Loan Care break the law. I am very disappointment and I will ask Government and FHA to provide me another mortgage company I do not want to be customer on this company any more. I will contact to NJ Division of consumer affair, Attorneys General FCC I do not want to be consumer on this worst company. This company breaks the law. I need help to get out from Loan Care. 

XXXX XXXX.
Product: Mortgage

XXXX XXXX, XXXXVIA CERTIFIED MAILCitiMortgage, Inc. 
XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXXCitibank, N.A. 
c/o CitiMortgage , Inc . 
XXXX XXXX XXXX XXXX, SD XXXXXXXXCitigroup Mortgage Loan Trust Inc. 
XXXX XXXX XXXX, XXXX, New York XXXXCitigroup Global Markets Realty Corp. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX MI XXXXXXXX, Trustee for Citigroup Mortgage Loan Trust , Inc. 
XXXX, MA XXXXATTENTION : XXXX : CitiMortgage , Inc., Loan # XXXX XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXXFIRST NOTICE AND DEMAND TO CEASE AND DESIST ; NOTICE OF RESCISSIONTo Whom It May Concern : I reserve all my rights regarding this matter and hereby rescind the above referenced alleged " loan ''. 
This letter is to demand that all of the above addressed entities Cease and Desist all foreclosure proceedings against the referenced property. I have previously requested documentation that any of the above listed respondents have standing to non-judicially foreclose this Note and Deed of Trust and proof that I owe anything to any of these entities. 
I paid monthly payments on this alleged " loan '' for 5 years ( XX/XX/XXXX to XX/XX/XXXX ) including PMI insurance because I was led to believe that I received a loan. Now, I believe there is a large scale scheme to defraud me, who in good faith signed alleged " loan documents '', without, inter alia, disclosure of the intent by the above listed entities to securitize the Note, thereby allowing many if not all of the above entities to more than XXXX the amount stated on the Note, and demanding monthly payments from me, the misled " borrower. " I am therefore demanding the following:1. Cancellation of the posted Trustee Sale ( noted above ) ; 2. An accounting of all charges and fees associated with the figures quoted in the Notice of Default and Notice of Sale ; 3. Proof that any of the above referenced entities has the right to non-judicially foreclose on behalf of a legitimate loan holder as established by CHBR XXXX ( XXXX ) ; and4. Proof that I actually owe any money to CitiMortgage, Inc. or any other entity. 
Govern yourselves accordingly. 
Sincerely, CC : Consumer Financial Protection BureauXXXXXXXX, Iowa XXXXVia Fax : XXXXXXXXOffice of the Comptroller of CurrencyOCC Customer Assistance GroupXXXXXXXX XXXX, TX 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. 

XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX, has violated my rights.

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: 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 Navy Federal 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 transactions. 
Every weekend I would check my account i would have hundreds of dollars and on a Monday my account would be in the negative i also was getting charged twice for debit card transaction they would take the funds out my account on that day and it would be still pending until my next deposit inters my account and it would debit it again
Product: Checking or savings account

My debit card was locked I tried to make a purchase they sent an alert I replied and now my account is under review its been since XXXX XXXX and they keep changing the days and its been over both dates and now they are saying its being escalated and its over that date they have giving me no paperwork to say my account is under review and I cant access my funds to pay my rent thats how it got locked and then they told me they dont have any paper trail as far as me having something for show to why I cant access my account and if I close it I still wont have my funds until their done
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Consumer Loan

I had a car loan with Santander Consumer for almost 3 years. When I decided to switch for a lease, the loan balance was paid off but there is not an option in their website to stop the automatic monthly payments drawing from my checking account. I should 've called them earlier but did n't do it and they drafted one more monthly amount of {$320.00} and when I called them they told me a prepaid visa card will be mailed with that amount and that I have to wait a month. I spend several minutes arguing with the guy in customer service asking for a check because I just need the cash and finally they told me that they will do it. The guy told me that he started a process to substitute the prepaid visa for a check. 
A week after another person called me telling me that is impossible to send a check but I will be able to get cash from that prepaid card. So he asked me if I agree with that and I say yes. When I received the prepaid card the instructions said very clear that THIS CARD DOES NOT HAVE ATM CASH ACCESS So beside the incredible high interest I was paying with that loan ( I decided to lease a car so I get rid of that loan ) they want to keep my money for longer time and keep earning fees every time I use this prepaid card in every business I will buy from. I do not need this prepaid XXXX card. I just need my money back in cash.
Product: Debt collection

They say the dead is {$280.00}. This was sold to another collection agency from the first collection agency. I told him it was identity theft, and now they sent it to another collection agency saying I owe them money.
Product: Debt collection

Called XXXX XXXX XXXX. about a collection showing on my credit report. Found out it was in my husbands name for a medical co-pay. My name was not on debt or insurance, but they placed on my report and will not remove, even if I pay it. I looked at FCRA and believe this is illegal.
Product: Credit reporting or other personal consumer reports

I'm concerned about unfamiliar inquiries appearing on my credit report. I didnt authorize or give permission for these companies to access my information nor have applied to them, and Im trying to understand how and why this happened. This situation is causing me significant stress and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm working really to fix my credit report. I was able to dispute a transaction on my credit report as I had no knowledge of this collection account. Due to my hard work and research I was able to get it remove. However it was remove and they dropped my score XXXX points. I've called Transunion and for some reason I guess their outsource in XXXX in which they're very rude and wouldn't let me finish my sentences. I don't know what to do at this point. 

XXXX XXXX XXXX  - Removal date on Transunion report XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX Tracking number : XXXX, XXXX. 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 : XXXX, XXXX, XXXX, XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate within 30 days. I haven't received a response and verification 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: Checking or savings account

There was three wire transfers that left my account without my authorization. Total funds deducted from my account is XXXX. Chase did not stop transaction abs I wasnt notified.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( XXXX ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : XXXX. My academic records and personally identifiable information ( PII ). 
XXXX. My XXXX XXXX for XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information. 
XXXX. My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under XXXX ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my SEVERAL Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by 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  Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$8200.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXXXXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

i paid my XXXX XXXX in full of XXXX $ to the XXXX XXXX itself on the agreement that they would report it as paid in full with no negative remarks to my credit file which the conversation was recorded by XXXX themselves.i can not get XXXX to help me with it or XXXX themselves.The XXXX agent herself took the time to verify that it would be in agreement before we got off the phone.Well i received a negative mark on my credit file as paid in full with a charge off which will not come off for seven years now I believe XXXX went about it in the wrong process and didnt help me XXXX bit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these inquries are fraudulent... 
i asked to be removed and nothing was removed
Product: Checking or savings account

Unable to transfer funds from PNC to a XXXX investment account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX IS WRONGFULLY REPORTING ON XXXX, TRANSUNION AND XXXX credit bureau files.An offer to settle the charged off account came in the mail from an agent of XXXX XXXX.The agent accepted XXXX dollars to clear the account debt. ( see letter that arrived after conclusion dated XX/XX/XXXX.The charge offed amount was XXXX dollars.The balance reported afterXX/XX/XXXX should have been 0.Yet they reported XXXX dollars on all 3 reports wrongfully damaging my credit.FCRA DICTATES XXXX DOLLARS STATUTORY DAMAGES FOR THIS DAMAGE.THE WRONGFUL REPORTING OCCURRED AS THE RESULT OF THE malfeasance or fraud of the XXXX XXXX AGENT, being transmitted to the bureaus after dispute.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my repeated dispute submissions, TransUnion consistently responds within XXXX hours, stating that the account in question is accuratewithout providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates that credit reporting agencies conduct a reasonable investigation of consumer disputes. The rapid response time and lack of supporting evidence strongly suggest that XXXX is not fulfilling this legal obligation. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ), as demonstrated in the CFPB 's recent administrative proceeding ( File No. XXXX ) against TransUnion for similar violations. Given this pattern of noncompliance, I urge the CFPB to take appropriate action to ensure that TransUnion adheres to federal law and provides consumers with the necessary proof of a reasonable investigation. The disputed account : XXXX XXXX I appreciate your attention to this matter and look forward to your response.
Product: Debt collection

Convergent outsourcing have open a fraud account on my XXXX  report. I didnt open a acount on XX/XX/2020. Report that i owe them XXXX. I do not owe covergent. I ask the conpany on XX/XX/2020 on a letter prove me or send prove of the debt. The company have not provide me verification or validation of debt. Not provide the original contract with all the payment history from the purchase to the defaut date. The account in XXXX  is inacurated report remark confusion it have like 5 different remark and a 1 month term for fact i know that cell phone company only 24 month term or prepaid. And the account is only in the XXXX  thats a violation to my right to have a 100 % accurated credit report on all the credit burue.
Product: Debt collection

The lease XXXX XXXX XX/XX/XXXX signed was the name of the account opened. I was added as an extension to get a parking pass for guests. The lease ended in late XXXX between XXXX, and was not eligible for lease renewal. The debt was transferred inaccurately to the wrong XXXX. There was a qualification for the lease I wasnt there for & a background check that I didnt do to open an account with the apartment.
Product: Money transfer, virtual currency, or money service

I use Square Inc for CC processing at my businesses. They suspended the deposits to my account with no reason. They are holding {$4700.00} from my cc processing. They will not speak to me on the phone because I do not have a customer code nor will they provide me with one. I E-mail them multiple times a day and receive no response. When they have responding they send broken links. This has been going on since XX/XX/2019. I am new business and with them holding that money it caused me to take out a family loan to pay my rent at my business. This is causing me financial hardship. There is no communication or reason as to why the suspend my deposits. There was no warning either. Ive read thousands of other complaints with them and they do this to a lot of small businesses. I just want to get my deposits. I reported the to the XXXX  already and the have another {$3500.00} from my other business they did the same to. This company offers no way to comminicate with them other then email and they never respond. I have emailed more then 100 times. They are stealing money with no response and it seems to be a common problem.
Product: Credit reporting or other personal consumer reports

I received a letter from my Florida homeowner 's insurance carrier, XXXX XXXX XXXX, dated XX/XX/year>, that my insurance premium would be adversely affected due to a consumer report provided by LexisNexis. I contacted LexisNexis by telephone on XX/XX/year>, and requested that the consumer report be mailed to me, so I can inspect the report for accuracy. I received the consumer report on XX/XX/year>. Upon inspecting the report, I noticed that my XXXX  credit card, from XXXX  XXXX XXXX ( also known as XXXX XXXX XXXX XXXX XXXX ) in XXXX, Florida, that I have held for 26 years, was missing from the report. I also observed on the report that only credit information from XXXX was used, and not from XXXX or XXXX. I contacted LexisNexis by phone on XX/XX/year>, and inquired about the missing credit card information. I was told that the credit card would need to be reported by XXXX, to be considered for the consumer report. I contacted XXXX by phone and was told that XXXX  XXXX XXXX must report the credit card information to them. I then contacted XXXX  XXXX XXXX and was told they only report credit information to XXXX. So, the issue is, as I see it, because LexisNexis does not consider all three credit reporting agencies when preparing a consumer report, they miss important information that would be beneficial to the consumer. To complicate matters, I have ordered my credit reports from all three credit reporting agencies be frozen, as my social security number was affected by the recent national data breach. I will probably need to be notified to unfreeze my credit reports for LexisNexis to access them.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Experian : XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.