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

Here are all of the hard inquiries that I did not authorize due to id theft, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

During Fall 2022, I mailed XXXX checks to XXXX XXXX XXXX in XXXX, MA. These checks were stolen from the mailbox at the church along with several other congregation members ' checks. This theft was reported to the police, and the individuals responsible have been identified, but I do not believe an arrest was ever made. 

These checks were made out to XXXX XXXX XXXX from my account at XXXX XXXX in XXXX, MA. They were deposited into and TD Bank ATM, and TD Bank cashed these checks without checking ID and into an account NOT operated by XXXX XXXX XXXX. 

I have tried for over a year to get XXXX to refund my money, but they tell me that TD Bank is refusing to release the funds despite the fact that they know they are at fault for failing to follow any reasonable procedures to make sure the person cashing the cash was actually the person who the check was made out to.
Product: Debt collection

After contacting XXXX with regards to this collection account, XXXX informed that there is no outstanding debt or equipment owed to them which mean this is a fraudulent account and clear violation of rights under FCRA.

Collection agency is causing harm to me financially and punitive harm. 
Account # XXXX
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/2022 of XXXX XXXX XXXX ) Since then the account has repeatedly been updated as charge off every month. This is an update in the payment history. a charge off account should NOT include an active payment history. This Inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX Account # XXXX
Product: Debt collection

XXXXXXXX XXXX XXXX  XXXX PURCHASED A XXXX  DEBT FROM XXXX TEMPOE LLC. WHEN I CALLED TO FIND OUT WHAT AND WHO THIS COMPANY IS/WAS. I WAS ADVISE I NEED TO PAY A {$1.00} TO GET INFORMATION ON THIS DEBT. I HUNGED UP ON THE REP AND CALLED BACK. THE 2ND REP HAD INCORRECT NAME AND WRONG ADDRESS. WAS UNABLE TO IDENTIFY ME OR ANY OF MY INFORMATION. THEN STARTED TO ASK FOR MY CORRECT INFORMATION WHICH I DECLINE TO PROVIDE MY INFORMATION SO THAT SHE CAN UPDATE AND LINK ME TO AN INACCURATE ACCOUNT. AS OF TODAY, THEY HAVE FAILED TO REMOVE THE INACCURATE ACCOUNT. THIS COMPANY IS IN VIOLATION OF MY RIGHTS AND HAVE FASLSY REPORT INACCURATE ACCOUNT INFORMATION. THIS IS A STATE i HAVE NEVER EVER RESIDE OR ASSOCIATED WITH EVER. 

I WAS ADVISED THAT THEY SKIP TRACED TO GET MY EMAIL ADDRESS FOR AN EMAIL THATS NOT USED.THE REP KEPT FORCING ME TO GIVE HER MY INFORMATION AS SHE CLEARLY STATED THEY HAVE THE WRONG PERSON
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is listing an account as XXXX XXXX. The number they gave me to verify is not even to XXXX XXXX. The information that they are reporting is incorrect yet they refuse to remove it. XXXX re-investigated my dispute and it is listed as an account in good standing, paid as agreed with XXXX terms. I am attaching proof that Experian is not validating or verifying the account with the correct vendor. They are liars and have continued to keep XXXX XXXX as a negative account even when the other two agencies a have either deleted it or updated it as paid as agreed and no late pays because it was never late. Now that I have the proof that I need if Experian does not delete the account I will be suing them and asking for the courts for a XXXX fine per the FCRA
Product: Mortgage

Like many I am experiencing severe difficulty with my mortgage, right now I can afford my monthly payments as I have XXXX family members who are living with me that will enable me to meet my obligations. I realize that all I need is fir the past due to be put in the end and ask fir a fresh start. PHH has been decent with me in the past but now they are not communicating with me or really trying to help. The relationship manager dies not even contact me, as I feel that someone is trying to steal my home and leave me homeless. PHH received alot of funds during covid and thats great but they have a XXXX XXXX XXXX citizen to help and I am begging u to help me keep my home
Product: Mortgage

At the beginning of XX/XX/2020 I was 'Conditionally Approved ' for a cash-out refinance loan with Loan Depot through Loandepot.com. The loan was conditionally approved within 3 business days. I was advised loan would close in 30-45 days and not to pursue any other debt financing during this period. My case manager became unresponsive after multiple emails after 30 days from the Conditional Approval indicating she was 'working on my file '. Only after multiple attempts to get answers, a call to customer service got her to review my file. On XX/XX/2020, she had me sign documents to initiate the 'closing of the loan ', I later learned that was actually done before my loan was given to the underwriting department. After multiple phone calls emails additional documents submitted my loan finally closed on XX/XX/XXXX -- The file was not handled properly and we were advised to sign blank forms and 'fill out forms during the closing '. On XX/XX/XXXX I was advised in an email to back-date a document in order to close my loan. On the phone I was advised I needed to do this or they would need to reschedule my entire closing again, however, I found this document in my file and did not need to do this ... XX/XX/XXXX XXXX I was informed in an email the closing documents are 'under review '. Upon the advise of my attorney I am filing a formal complaint for the questionable business practices I've encountered during the process. I can supply emails and documents on request. Based on recent posts to the XXXX and other online sources it seems as though Loan Depot is engaging in a pattern of deceptive business practices in order to cover for processing error in its system that are injurious to the consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) Attn : Consumer Response / Complaint Department Subject : Formal Complaint Regarding Unlawful Reporting Practices by XXXX Dear CFPB Representative : I am writing to file a formal complaint regarding the unlawful reporting of my personal and financial information by XXXX. Specifically, I believe the following actions violate The Privacy Act of 1974 ( 5 U.S.C. 552a ), as well as other pertinent federal statutes and consumer protection laws : 1. Unlawful Disclosure of Transaction History Under the Privacy Act of 1974, it is unlawful to disclose confidential personal informationsuch as transaction historywithout the consumers explicit, written consent. By reporting and potentially distributing my transaction details, XXXX has infringed upon my right to privacy under federal law.

2. Misclassification of Charge Off as a Certificate of Indebtedness ( Income ) A charge-off is effectively treated by many financial institutions as a Certificate of Indebtedness, which may be deemed income for tax reporting purposes ( e.g., via Form 1099-C ). This classification raises serious concerns about XXXX reporting practices and whether it is unlawfully representing such financial information to third parties.

3. Violation of Consumer Protection Statutes Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) : This law imposes strict obligations on consumer reporting agencies regarding the collection, maintenance, and sharing of consumer credit information. XXXX reporting of my private financial data and transaction details may fall outside these legal boundaries.

Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ) : This statute restricts disclosure of nonpublic personal information to third parties without the explicit consent of the consumer. XXXX practices appear to violate these requirements by failing to safeguard my personal information. 

Given these concerns, I respectfully request that the CFPB initiate an immediate investigation into XXXX practices. Should XXXX be found in noncompliance, I ask that the CFPB take all appropriate enforcement actions to correct the situation and prevent further violations of these federal laws. 

Additionally, in light of these violations and any resulting inaccuracies, I request that XXXX update my account status to reflect Paid as Agreed to accurately represent the resolution of these disputes and mitigate any further harm.

Thank you for your prompt attention to this matter. I look forward to your response and any guidance you may provide. If you require additional documentation or information, please contact me in writing at the address above. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

On XX/XX/year>, I received a letter from Midland Credit Management , Inc., attempting to collect a debt. On XX/XX/year>, I responded with a Debt Validation Request under the Fair Debt Collection Practices Act ( FDCPA ), requesting validation of the debt, including documentation of its validity, details of the original creditor, and proof of ownership of the debt.

I received no response to my request for validation within the legally required 30-day timeframe. Instead, Midland Credit Management , Inc. continued their collection attempts, including contacting me via email on XX/XX/year>, XXXX, despite my explicit request for all communication to be conducted in writing via USPS mail. 
The failure to validate the debt within the required timeframe and their continued collection attempts are violations of federal law, including : 1. 15 U.S.C. 1692g : Failure to validate the debt.

2. 15 U.S.C. 1692g ( b ) : Continuing collection activity on a disputed debt.

In addition, their email communication disregarded my written request for USPS correspondence only, further violating my rights. 
The letter they sent also imposed an improper deadline of XX/XX/year>, which did not allow the 30 days to dispute the debt, as guaranteed by federal law. 
I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate these violations and ensure Midland Credit Management , Inc. complies with the FDCPA by ceasing all collection activities until proper validation of the debt is provided.
Product: Credit reporting or other personal consumer reports

in accordance with the First Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 the consumer reporting agency can not furnish a account without my written instructions. 115 U.S.C 1681c. ( aX5 ) 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 ( AX1 ) 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 the information is inaccurate
Product: Debt collection

I dispute your claim and i am requesting from you pursuant to the Fair Dept Collection Practices Act, 15 USC 1692g 809 ( 8 ) ( FDCPA } * Provide breakdown of fees including how you calculated what you claim I owe.2 Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. * Ceas any credit bureau reporting until debt has been validated by me as required under FCRA * Send me proof that you are licensed debt in my state.
Product: Bank account or service

On XXXX/XXXX/2016 my card was declined and I called Citibank. I was informed that my account was over drawn by over {$6000.00}. I asked how and they told me a payment to XXXX XXXX for {$10000.00} had been posted. It was not a payment I authorized. I asked who the card holder was and it was someone I knew. I spoke with him and we figured out that I had paid his card at some point because I owed him money. They payment information was stored and mistakenly used to pay the {$10000.00} bill. Citibank says the money was taken from my account and XXXX says the payment was dropped once they were contacted about the mistake. My account is over drawn, I 'm being accessed fees, and payments are bouncing. I have been told that it could take up to 90 days before the charge is removed from my account. They also withdrew money from my savings account to pay for the over draft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had several Bank accounts and credit cards that was opened in my name. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to all three credit bureaus : Equifax, XXXX, and XXXX an regards to hard inquiries and late payments that reported to my credit report UNAUTHORIZED, NO WRITTEN CONSENT an other words NO CONSENT IS IDENTIFY THEFT. I have sent Federal Trade Commission ( FTC ) Identify Theft report via certified mail an order to track its deliverance to each credit bureau because its vital to me to have these items removed from my credit report. I did follow up calls and was given false information from Equifax that they didnt receive the letter but I have proof from tracking the letter. XXXX only removed selected items and XXXX refusing to remove items.
Product: Money transfer, virtual currency, or money service

My cashapp account was closed and the reason given was I violate their TOS ( terms of service ) but they wont say how or what I did. I filed an appeal and they gave me the same vague answer. Ive had this account for a few years and I should know at least what happened. 

My account was cashtag XXXX XXXX email was XXXX.
Product: Mortgage

Mr. Cooper /Nationstar Mortgage add mortgage insurance in mid 2020 when no insurance was necessary. I called and no one could explain why it was added. A review was initiated and after several months the insurance was removed. I continued paying the mortgage amount minus the mortgage insurance. I was not aware that they were considering the payment as not paid in full. We just finished a Chapter XXXX bankruptcy in XXXX and I started looking into refinancing. This is when we found out the mortgage was considered late/not paid in full. I called and was told the only way to stop it being considered not late was to pay the overdue balance which I did in the amount of {$500.00} plus, which should have been removed since mortgage insurance was not required. Still waiting to hear back from claim we submitted to get that money back. Now Nationstar has added additional fees to the mortgage that my bankruptcy attorney is working on but it is holding up our discharge in addition to my refinance because I can't the document needed stating payments have been on time and never late.
Product: Credit card

Best Buy Fraudulent Purchase Statement XX/XX/XXXXXXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX On XX/XX/XXXXXXXX I received an email alert from Best Buy that an order was ready for pickup. I called Best Buy and successfully canceled the order and disputed the claim ( XXXX ). The Best Buy Primary Account Team ( XXXX ) explained an alert / flag would be placed on the account and escalated the dispute to the fraud team, ( Case ID : XXXX ). After everything is submitted to the fraud department it would be 24-48hrs. However, I found out an order for a laptop was picked up on XX/XX/XXXX, XXXX XXXX. XXXXand another laptop was picked up on XX/XX/XXXX, XXXX XXXX. XXXX by an individual listed as family & friends XXXX XXXX on the order pickup. Both orders list my name as the customer with my phone number, email and an incorrect address. I XXXX the address, its a valid address, just not mine. ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ). The XXXX  used ended in XXXX is not my XXXX and it is a different XXXX number than my Best Buy credit card. It was an online dot com purchase, with pickup at Best Buy at XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX. On XX/XX/XXXX, I went to Best Buy, spoke with the manager ( XXXX ) who hands me a card explaining XXXX requests for camera footage needs to come from XXXX/Best Buy law enforcement support team. Email : XXXX. XXXX XX/XX/XXXX another XXXX  ending in XXXX Exp XX/XX/XXXX ( address : XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX was added and saved as a payment method in my Best Buy Account. I deleted both XXXX from the payment methods and deleted XXXX XXXX under family & friends. 
I called and spoke to XXXX and filed a fraud complaint with XXXX XXXX # XXXX, who explained itll be forwarded to XXXX XXXX XXXX, XXXX. Case No. XXXX. I did freeze my credit with the three bureaus and reported identity theft to federal trade commission via XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. XXXX Fair Credit Reporting Act Section 605B ( a ) you 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
Product: Credit reporting or other personal consumer reports

I have unauthorized inquiries on my credit report. I had no recognition of them and nor authorized those companies to run my credit. 

XXXX XXXX XXXX XXXX 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  All inquiries I had no acknowledge of nor authorized
Product: Money transfer, virtual currency, or money service

I have been using Paypal to receive payments for my online business. On XX/XX/2022 I receive payment from my online business but paypal hold my first payment. I then got a notice that Paypal is requesting for my verification details. I glady provided the files and all was fine until on the same day I get notified that my account has been permanently limited ( Ref ID - XXXX ). I immediately contacted the executive office and was told that one of the accounts I used to make payments and they linked to me had a limitation hence why I was also banned. I feel this was not fair on my part as I can not have controlled over how other people use their Paypal account. I really want my account back.
Product: Mortgage

I am a XXXX old man struggling making my mortgage payment i have been in default for over 2 years trying to correct my past dues. Due to my negative credit score and being on fixed income i have not been able to get a loan to pay my past dues. i have been pre approved for a home loan which will help me bring my past dues. i have tried multiple times to get a reinstatement and payoff quote from the Lender and attorney who is handling the default and foreclosure with no success in obtaining a payoff or reinstatement quote. Every time i call PHH mortgage my lender they tell me the attorney XXXX XXXX is the only people who can generate a reinstatement quote. I have call Western progressive at XXXX and XXXX multiple times with no success in speaking to anyone. I only have the option to leave a voicemail. Which i have multiple times and they have not called me back. On XX/XX/2019 at XXXX XXXX  i sent a written request for an exact reinstatement amount to the fax number given by the pre recorded answering machine XXXX. I have called multiple times to request an update and i can not speak to anybody but leave a voicemail in addition the lender PHH is not helping me contact them they just give me the same XXXX number again. It is now XX/XX/2019 and i have yet to receive any information on the past due amount or if my fax was received. I feel as if this company is purposely trying to prolong the time so i could go into foreclosure and loose my home because there is of the equity my home has. I have my loan approved and the only thing missing is the reinstatement amount so i can get out of foreclosure however XXXX XXXX is prolonging my request.
Product: Credit card or prepaid card

Macy's/XXXX  Account opened XX/XX/2021 as a result of fraudulent activity.

Balance is currently {$540.00}.
Product: Credit reporting or other personal consumer reports

My credit report incorrectly lists my U.S. Department of Education student loans twice, once under a past servicer XXXX and again under the current servicer XXXX. This duplication falsely inflates my total debt amount and could adversely affect my credit score. This inaccuracy is a significant concern as I am in the process of closing on a house, and an accurate credit report is crucial for this transaction. Prompt correction of this error is essential to ensure a smooth and successful home-buying process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  are failing to report correctly the positive items on my credit report. ( Please see the attached spreadsheet of accounts and account numbers of tradeline items which need to report all months, not just some months, of payment history. ) I have also attached a copy of my credit report for reference. By failing to report positive credit history is hurting my credit score. Please update these accounts to report accurate information.
Product: Debt collection

This company keeps calling me for someone else. Ive called them once and told them the name they gave me wasnt me and then got another call from them not even an hour later after I told them to stop calling me.
Product: Credit card or prepaid card

I reported to synchrony XXXX in XX/XX/2020 after looking at my credit report after I found out all of my information had been breached and several accounts and hard inquirys were done without my consent. An FTC report and a police report were both reported and made in XX/XX/2020. I have reported it them as well and submitted all documents asked for. They asked for no further information. XXXX has taken this off of their reporting agency. While PayPal had no contact info to me relating to this account and refuses to close the account and label it is fraud. All I know is it is less then {$800.00}. I never received statements and I never paid for a bill, I only learned about while looking at my credit report in XX/XX/2020 and at that time the account was only 30 days late.. so i asked them who had been making the payments on the account since it was me and at the time they stated, they could not give me any information regarding the account because they can not verify me. I have made numerous calls now, as experian has taken off of my credit report as identity theft, but because commeninty XXXX is not closing the class it still reports.