23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX  Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a 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: Debt collection

Debts were incurred to Citibank around XXXX years ago. The total claimed is around {$41000.00}. The debt has never been affirmed or refreshed. To the best of my knowledge, no judgment was ever obtained. Even to the extent that it had, then it would have expired long ago. However, the company ( national recovery center, inc. ) is now attempting to collect this debt. ( note, i submitted an earlier complaint against XXXX. that name was incorrect, and this complaint corrects that mistake ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, Equifax released a statement outlining a breach in their systems that impacted approximately 145 million people in the US. Using their www.equifaxsecurity2017.com site, I was notified that my personal information was potentially impacted by this release. I have frozen my credit reports with Equifax, XXXX, and XXXX, and am submitting documentation to complete my freeze with XXXX. I have also placed a 90 day fraud alert on my reports. There is no further action I am aware of that can be taken.
Product: Mortgage

I need to refinance my home to cash out and pay some loans. I was asked to do an appraisal which I did and was told everything shout be fine. this started in XX/XX/2017. I provided them with all the documented required for refinancing. the appraiser came to my home but did a drive-by. today they lady called me and said that they won't go forward with the refinance and didn't explain to me why i very disappointed in navy. with the way, I was dealt with my case
Product: Credit reporting, credit repair services, or other personal consumer reports

this report is for the private administrative process on the behalf of first progress the Experian report XXXX south Carolina XXXX police report XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance With The Fair Credit Reporting Act XXXXXXXX XXXX XXXXXXXX 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
Product: Checking or savings account

XX/XX/year> : I used XXXX different debit cards, XXXX was mine and the other my daughters, to pay my cellphone bill. Each card was used for {$200.00}, which equaled {$400.00}, amount of the bill. XXXX XXXX XXXX only shows XXXX payment of {$200.00} for XX/XX/year> and it was not from my account. But {$200.00} was taken from my bank account and nobody can tell me where it went. I called AT & T and was advised to call my bank and dispute the {$200.00} because it was not received by XXXX XXXX XXXX. So I didBUTmy bank, Chime Bank, REFUSES to reimburse me.
Product: Checking or savings account

I am writing to formally lodge a complaint against Eastern Bank regarding their mishandling of a fraud claim on my account. Despite being a loyal customer of Eastern Bank for over two decades, I have experienced a series of unacceptable actions and responses that have caused financial strain, significant inconvenience, and a loss of trust in the institution. 

Summary of Events : 1. Fraudulent Transaction : On XX/XX/XXXX, I filed a fraud claim after discovering an overcharge on my business account ( which I was in the process of closing ). The charge in the amount of {$200.00} was clearly fraudulent. 
2. Unhelpful and Threatening Communication : Instead of receiving assistance, I was sent several alarming and threatening letters from the bank, of which I retain two copies. Despite contacting the bank after each letter to seek clarification, my concerns were not resolved. 
XXXX. Fraud Claim Denied and Unauthorized Deduction : On XX/XX/XXXX, I received a notice that my fraud claim had been closed without action. Furthermore, the disputed amount was deducted from my personal account without my authorization. 
4. Lack of Accountability : To date, the fraudulent charge has not been refunded, and I have not received any explanation or acknowledgment from the bank regarding this matter. 

Conclusion : This situation has caused me significant distress and financial loss. I urge the CFPB to investigate this matter thoroughly and ensure that [ Bank Name ] is held accountable for their actions and inaction.
Product: Mortgage

I have applied 2 separate occasions for XXXX XXXX  and quicken loans. They both denied me even after I submitted the requested proof that my DTI is not what is reflected on my credit report. They have illegally denied my loan in violation of the ECOA and FHA regulations which state the minimum required credit score is XXXX and I am at XXXX with a 10 % down payment on XXXX single family home totaling XXXX. The loan is with a Co-borrower and they still denied me both of these companies did the same thing. Quicken denied me after accepting my application and preapproving my purchase which was done in XX/XX/2020 initiated and they left it in limbo and still have not sent out an official denial letter or posted it to my account as to why I was denied only told me over the phone. XXXX XXXX XXXX XXXX XXXX XXXX was my rep for this company. Loan application # XXXX. 

NOTE : MY CREDIT SCORE IS A XXXX AND THE CO-BORROWER IS A XXXX WITH YEARS OF PAYING DOWN HUGE DEBTS QUICKLY AND ON TIME. FURTHER MORE I HAVE IDENTITY THEFT DISCOVERED DURING THIS PROCESS AND HAVE REPORTED IT AND TAKEN ALL THE STEPS TO HAVE IT THOROUGHLY INVESTIGATED FOR CORRECTION OF ACCOUNTS. 

The application for XXXX was done by XXXX XXXX Mortgage Loan Originator NLMS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Cell : XXXX XXXX They did send out my denial letter which you will see attached below but again the required process for submission to show I only am obligated for a certain portion of what is reflected on my credit report due to Cosigning for my daughters car but she pays all of her payments not myself.
Product: Debt collection

My name is XXXX XXXX. 
I had a 3-year contract with Protect XXXX for security monitoring service between XXXX and XXXX, and thereafter continue the service on a month-to-month basis till XXXX without defaulting on my account. When the service no longer serves the purpose intended, I canceled the service. 

I had a conversation with Zions Holdings representative ( XXXX XXXX ) on why XXXX XXXX XXXX asked them to collect a debt of {$440.00} from me since I did not have any service with XXXX. XXXX XXXX from Zions Holding affirmed XXXX transferred the account to XXXX. I asked for the contract agreement, default statement history, and proof of service from XXXX. She sent the contract agreement and default statement from XXXX. I asked why XXXX would not provide the official proof of service in its name since they claimed to have provided the service after the account was transferred to them. They could not provide the official default statement on the name of XXXX but provided some documents from XXXX ( Refer to the attached documents ). I further asked if XXXX is a financial firm that purchased bad debt and collect on behalf of XXXX since they could not provide the proof of service or XXXX official defaulting statement. 
According to Default / Termination Agreement XXXX XXXX and XXXX of the terms and conditions : 9.1 If Customer defaults with respect to payment of Monthly Monitoring Fees more than two ( 2 ) times in any calendar year, or monthly monitoring fee becomes sixty ( 60 ) days past due, then Customer agrees that XXXX may terminate service and the remaining applicable balance of the Agreement will be immediately due and payable ( Refer to the attached document page XXXX of XXXX ) XXXX Default / Termination. If Customer is in default of this Agreement for failure to pay any fees, charges or other amounts when due, or failure to perform any of the other Customer Obligations under this Agreement, and such default continues for ten ( 10 ) days after XXXX gives Customer written notice ( Refer to the attached document page XXXX of XXXX ) I did not default on my account for 6 to 7 years I was with XXXX and if I default PAI or Blinks should have canceled the account after 2 consecutive defaults. But according to the default statement history ( refer to the attached customer billing history ) did not cancel the account even after 6 months of continuous default or give the customer written notice after XXXX ( XXXX ) days of defaulting, despite not receiving any service from XXXX within the specified period. But in this case, they never sent me a written notice. I cant fathom the logic behind this action. When Zion Holdings would furnish the bill with XXXX 's name on it, they sent the bill with a service address that belong to someone else. Currently, Zion Holdings put a negative report on my credit. Any attempt to resolve this issue with them is unproductive. Therefore, I want Consumer Financial Protection Bureau to look into this matter so they don't continue to threaten consumers and also damage consumers ' reputations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Has without my consent placed a fraud notification on my credit reports with Early Warnings system. XXXX Has been contacted numerous times by myself I have repeatedly instructed them to remove any fraud alerts with Early Warnings I have been told multiple times that this fraud alert has been removed or is under review to call back in a few days and I keep getting the runaround.XXXX  Is single-handedly ruining my credit history with my creditors as a result I am being denied credit institutions were I have excellent credit history because of the early warning notice placed by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In order to prevent any deception, misrepresentation, or concealment, we are requesting that you forward the portion of the original promissory note agreement with these six ( 6 ) elements to satisfy and complete : A. Adequate Assurance of Due Performance B. That the proper party is to be repaid their  money C. That a theft of any party has not occurred D. That my client was provided, Full Disclosure, Adequate Consideration, and a Mutual Understanding of all material facts in the original transaction if you can not or refuse to provide the portion of the original promissory note ( s ) agreement ( s ) with these six ( 6 ) elements within thirty-days ( 30 ), please explain why.
Product: Checking or savings account

I deposited XXXX check on XX/XX/XXXX and XXXX check XXXX XX/XX/XXXX in my Bank of America account. After I deposited the check I received a clear date XX/XX/XXXX for first check and XX/XX/XXXX for the second check. I woke up today XX/XX/XXXX and no money in my account. I called Bank of America where the checks where deposited. The first representative I spoke with told me that there was no hold on the check and that XXXX bank had not released the funds to them. I called XXXX bank and they stated that the funds had left their institute and had been cleared by the clear house. I then called Bank of America back and they proceeded to tell me that there are holds on the checks until XX/XX/XXXX. I then proceeded to ask where was my notice of hold, as by law they are required to let me know if a hold is being placed on my checks. They told me that they mailed out a written notice and I should receive within XXXX hours. I let them know that a notice of hold by law needs to be presented within a day of the deposit hold. Then they put me on hold and came back and said they sent an electronic letter and its in my message center. I proceeded to look and there was nothing there. The Bank of America representative couldnt find the letter either on his end and could not give me a confirmation that a letter was sent out electronically or by mail. He then placed me on hold and put me in touch with a supervisor. The supervisor said that my notice was on the bank statement saying hold. I said that its not an appropriate notice you were suppose to send a letter to me. I couldve canceled the checks before the processed out of the XXXX bank acct and couldve avoided a lot of trouble and late fees if I wouldve received the proper notice. I have urgent things pending to pay and can cause a lot of troubles in my life. I am seeking help urgently.
Product: Money transfers

PayPal changed my old PayPal account to a Bill Me Later Account without my knowledge. I ordered something back in XXXX and the merchant only used PayPal. I 've used PayPal in the past without any problems, but this time I found myself in a situation I 've never encountered. I have always paid by paper statement with pay pal and never had a problem. I realized on XXXX XXXX that I had not received a paper statement in two months from PayPal. I do n't use online billing services becasue we had our identity stolen back in 2014 and it created a problem with the IRS and we are still getting bills from XXXX company for things we have never ordered. I also do n't check balances on the Pay Pal website because they 've changed their website so much, I ca n't find anything I am looking for. It took me forever to locate their mailing address in XXXX GA where I always have mailed my payments to. I did n't realize that PayPal had quit mailing me paper statements until I made another purchase from a vendor who uses PayPal and that purchase automatically transferred me to my PayPal account. That 's when I notice PayPal had charged me with fees and interest on the XXXX purchase and I had n't paid the XXXX balance because I never received a statement in the mail. If I do n't get a statement in the mail, I wo n't remember to pay anybody. I pay everything by mail-power bills, doctor bills, XXXX XXXX XXXX bills, etc. I also noticed that PayPal has not been using my primary email account to send me notifications. If I had gotten an email from them in XXXX, I would have know then there was a problem. I also noticed that my traditional Pay Pal account had been changed to Pay Pal credit Bill Me Later. This is a misnomer if they are not sending you a bill later.
Product: Student loan

In XX/XX/XXXX, I completed my XXXX degree program. At that time, I set up automatic payments of {$120.00} every quarter with the XXXX  loan servicer - Heartland ESCI. According to the agreement to come out of educational forbearance, my first payment was due on XX/XX/XXXX and the payment would be automatically withdrawn from my bank account. I made the XX/XX/XXXX payment and again in XX/XX/XXXX before I noticed that Heartland ESCI was marking my credit report as 180 days late. 

I contacted Heartland ESCI and the representative advised that I needed to enter a rehabilitation program for {$40.00} per month in order to get the late payments removed after 9 months. At the time, I did not realize that this was incorrect since I was not in default and was making my payments on time so I agreed. 

After doing some research, I realized that the information she gave me was incorrect so I called Heartland ESCI again on XX/XX/XXXX. The supervisor apologized for the woman who placed me on the rehabilitation program incorrectly ( she advised that no one at Heartland is authorized to do this!?! ) and advised she would remove me from it. However, she then suggested I put my loan in forbearance. I told her I do not want to do that because I'd much rather pay the loan. 

When I asked her why I was receiving late payments when I have been making my payments on time and according to the original agreement ( quarterly payments of {$120.00} ), she explained that the late payments are from XX/XX/XXXX when I was with a previous loan servicer ( XXXX ), but because I went on an in-school deferment shortly after, Heartland is reporting them now. 

This is a clear violation of the FCRA. Heartland ESCI has incorrectly reported 180 day late payments on my credit report from XX/XX/XXXX - XX/XX/XXXX for late payments that occurred in XX/XX/XXXX. I am attempting to purchase a home and I would like for these late payments to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 16B1c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX XXXX, also another personal loan at XXXX XXXX XXXX Acct on XX/XX/XXXX under the account number XXXX XXXX and last but not least a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of hard inquiries in question as well as a copy of the consumer FICO report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hand inquires a s reported. The aforementioned accounts, collections and hard inquires reporting on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections and hard inquiries are the result of hard inquiries identity theft and fraud. 1have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

My student loan is in default. My monthly social security check payment has been garnished ( 15 % of net income ), and income tax refunds for the last several years as well. Prior to being eligible for Social Security, my wages were garnished through my employer. For some unknown reason, XXXX. XXXX and XXXX ( collection agency for Navient ) began calling me at work through the school office ( I'm a part-time teacher ), and to date they have also phoned 3 co-workers at my school via their cell phones. 

I have written and mailed a letter to both XXXX. XXXX and XXXX, and Navient asking them cease and desist from calling my place of employment and co-workers, yet they continue to harass me. 

They have my current address and phone number, yet have not attempted to phone me or send me written correspondence. I have tried to reach them via telephone, yet when I call the telephone just rings and rings, and finally disconnects.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im really unsure where Experian got the indication that my XXXX XXXX credit card was closed. It is still active, never been late, and the limit was just increased to {$700.00}. Id like them to correct their mistake instead of making me wait 30 days for something that isnt my fault.
Product: Checking or savings account

Wells Fargo is posting my mortgage payments late. In some cases up to 5 business days late. I'm getting late payment fees from my lender XXXX XXXX because of this. It's been an on-going thing now every month or so.
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 Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number:XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Name : XXXX. 

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.