23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Back in the late XXXXXXXX XXXX, a debt collection agency began to call my telephone number about a delinquent debt in the name of a female stranger named, XXXX XXXX. Although my phone number XXXX XXXX XXXX XXXXXXXX, became mine in XXXX ; the debt collection company insisted that my phone number was the debtor 's. My phone carrier XXXX XXXX XXXX called the debt company XXXXXXXX XXXX office to verify that my phone number account does not have the debtor 's name and is solely my phone number. The debt collection company agreed to remove my phone number from the debtor account record. They lied about removing my phone number and sold the delinquent debt with my phone number to another company. Since that time, different debt collection companies have called my phone number about this debt. When they found out from talking to me that the debt is not mine, they sold the delinquent account to another debt collection company and did not remove my phone number fraudulently associated with this debt that is not mine. The latest debt collection company calling me now about this debt is Diversified Recovery Bureau, LLCXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ; at telephone numbers XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX.
Product: Credit card or prepaid card

On XX/XX/, 2023 my Navy Federal credit card Flagship Rewards ending in XXXX could not be used for a small purchase of XXXX dollars. I received a telephone call from Navy Federal stating that I am no longer able to use or charge anything on my card ending in XXXX due to an old charge off auto loan from 2 years ago- loan number XXXX. I have been with this Credit Union for over ten years and have paid off several credit cards and loans in full. It's not that I do not have any available credit on my credit card I could totally understand. But to tell me that I can not use my credit card due to another loan that went bad 2 years ago this is XXXX I AM A XXXX MANT THAT OWNS A HOME PAYS MY BILLS AND FEEL THAT IA M BEING PUNISHED FOR ONE ACCOUNT THAT WAS CHARGED OFF TWO YEARS AO BUT I HAVE THREE OTHER ACCOUNTS WITH THIS CREDIT UNION THIS IS XXXX  AND AI WANT SOMETHING DONE++ ABOUT THIS, PLESE HELP. IF I NEVER BEEN LATE WITH ACCOUNT OR ANY OTHER ONE WHY AM I AM BEING PENALIZE FOR ANOTHER, PLEASE HELP SO THIS WILL NOT BE DONE TO ANY OTHER XXXX AMERICAN
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit because I want to buy a house and saw inaccuracies in my credit report with personal information. There are 2 addresses and 1 employer that are inaccurate. On XX/XX/20, I mailed a letter to Trans Union asking to please make these changes. They did not respond to my letter and also did not make any changes.
Product: Mortgage

This mortgage was modified some time back. It was transferred in XXXX of XXXX to Nationstar Mortgage for loan servicing. There were some '' lender paid expenses '' apparently sent with the loan servicing from the Modification. Every month since XXXX of XXXX, Nationstar, the new loan servicer, keeps taking part of my normal payment and apply towards these " fees '' instead of to my mortgage payment. 
( I was told that these fees can not be collected up front, if XXXX did not actually roll them into the modification balance that I signed for, they could be collected when we either sold the property or refinanced it ) Every month They keep taking monies from my monthly payment, then reversing it, then adding it again.. 
Now they have sent me back a check, copy imaged in for {$940.00} because they took XXXX applied towards Lender Paid Expenses, again Now I am behind again and they told me today, that I owed another XXXX with the XXXX check I have returned from them to Complete my XXXX XXXX XXXX payment/
Product: Credit reporting

I have reviewed my credit report for accuracy information I notice that my inquiry 's were removed and reinserted without proper notice by law section 609 you ca n't reinserted previous removed items without notice to the consumer causing my credit report to have damage changes
Product: Credit reporting or other personal consumer reports

I am writing to dispute on my credit report. According to the fair credit reporting act ( FCRA ) section 605B. it is illegal to report information on my credit report without my permission. Please remove this item from my report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

I had a checking and savings account with PNC for around 4 years. I also had a revolving credit card ( card where you put down money as collateral, in my case {$300.00} ) While at PNC I experienced having to pay to take my money out of my savings account, unforgiving overdraft fees, and all together lousy service. I was stuck with them though because they were the most convenient option given where I lived. 

On to my complaint. When I moved across town, I switched banks and went to close out my accounts. Checking and savings were closed just fine. To close my credit card account, I had to pay the full balance of the card which was {$380.00} minus the {$300.00} that I had put down on the account. I was dealing with a banker, not a teller. I handed over the {$85.00}, and was not given a receipt, but I was told it would all be taken care of. 

Fast forward 4 months and I get a call from a COLLECTION AGENT of PNC asking me to pay the balance on the card of {$150.00} dollars. She also informed me that my account had been closed. I went into the branch that I had gone in to close my account and see the same banker I had dealt with. She remembers me and after I explain what happened, she calls customer service and files a complaint. I get a call 2 days later from consumer complaints and I am told that my agent will investigate the records from the branch in Ohio that I dealt with for the {$85.00} that I had paid when my account was closed. A couple days later I get a call. She did n't find anything supporting my claim, and that I have to pay the balance in full. 

( The date of account closing and final balance on card are approximated, after many phone calls, and records showing different amounts. This is because I NEVER RECIEVED A RECIEPT ) What does n't make sense to me is why in the world would I close all of my accounts and ask for my revolving credit card to be cleared of all charges except the {$85.00}? What kind of XXXX would allow me to do that? Why would they refund my {$300.00} dollars and keep the account open, without any collateral? 

I have been very patient. I put up with a lot of ABUSE and have paid EXORBITANT FEES in my time with PNC. To me this is just another in a long string of UNFAIR COLLECTION PRACTICES.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 8 accounts that are appearing on my credit report that do not belong to me I have already reached out to the bureaus and have not received anything back. These accounts DO NOT BELONG TO ME they are not mine I have not applied for these nor have I signed for these. 

XXXX XXXX  XXXX - Acct # XXXX Amt {$0.00} Opened XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$2000.00} Opened XX/XX/XXXXXXXX XXXX XXXX - Acct # XXXX Amt {$5200.00} Opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$8400.00} Opened XXXX XXXX, XXXXXXXX XXXX - Acct # XXXX Amt {$5100.00} Opened XX/XX/XXXX XXXX XXXXXXXX XXXX  - Acct # XXXX Amt {$4200.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX  - Acct # XXXX Amt {$0.00} Opened XX/XX/XXXX XXXX - Acct # XXXX Amt {$2200.00} Opened XX/XX/XXXX XXXX
Product: Debt collection

On XX/XX/XXXX i received a letter from this collection agency about a townhouse i moved out of saying i owed XXXX dollars they are saying i renewed the lease and broke the lease early when infact i moved out when my lease was up and told them months prior i would not be renewing the lease i sent all this information including copies of all communication with XXXX XXXX XXXX showing that i terminated the lease well before the 60 days they still put this collection on me and my wifes credit reports causing my scores to drop this is illegal according to my lawyer who i have contacted i have sent this collection agency 3 letters now as well as emails showing the debt isnt owed and all they send me back is a copy of my lease saying automatic renewal when this cant be the cause because i terminated the lease almost 5 months before the lease was up so i am still owed my XXXX dollar deposit from XXXX XXXX XXXX that they are refusing to give back to me on top of them putting a bogus XXXX dollar collection my credit report.
Product: Prepaid card

I received XXXX XXXX XXXX application / purchase verification from CashStar but I did not make the purchase, however the name is under me and my family and not sure whos credit card are being charged too. 

I suspect leak of personal identification info
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights.

15 u.s.c 1681 section 602 A.states i have the to privacy.

15 u.s.c 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions. 

Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$680.00} written off. {$680.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$680.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$500.00} Highest balance {$680.00} Terms - On record until XXXX XXXX Account info Account name XXXXXXXX XXXX Account number XXXX Account type Secured Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$170.00} written off. {$170.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$170.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$500.00} Highest balance {$590.00} Terms - On record until XX/XX/XXXX Account info Account name XXXXXXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$140.00} written off. {$380.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$380.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$300.00} Highest balance {$440.00} Terms - On record until XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX Account type Cell Phone Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$900.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$900.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$900.00} Highest balance {$900.00} Terms 1 Months On record until XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Date opened XX/XX/XXXX Status Collection account. {$6.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$6200.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$6200.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX Account type Cell Phone Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$900.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$900.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$900.00} Highest balance {$900.00} Terms 1 Months On record until XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Product: Debt collection

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I made FOUR previous attempts to fix these issues directly with them dating back 6 months. They are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX XXXX account XXXX has violated my rights. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) account # XXXX has violated my rights. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) account # XXXX has violated my rights. 

XXXX XXXX Bankruptcy Reference # XXXX has violated my rights. 

XXXX  XXXX Bankruptcy Reference # XXXX has violated my rights.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 



Resolution : Delete this/these accounts unless you want to be held accountable for {$1000.00} per account
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE FOLLOWED ALL THE RULES OF WHAT TO DO MY INFORMATION WAS STOLEN OR MISUSED I HAVE GIVEN THE CREDIT COMPANYS ALL THE PROOF THEY NEEDED THEY STILL HAVE YET TO REMOVE THE ACCOUNTS
Product: Credit reporting or other personal consumer reports

It has come to my attention my personal information has been exposed in a national data breach. Other reviewing my credit reports I noticed some accounts I am not familiar with. I have asked the CRAS for validation of debt, however, the information has not been provided Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. Please find attached a copy of My ID, SSN, The FTC complaint, a copy of the NPD report showing my information being exposed in a national data breach and a Validation of the debt letter.
Product: Money transfer, virtual currency, or money service

I got my fund from selling crypto. These are as follows : XXXX USD. XXXX XXXX USD. XXXX XXXX USD. XXXX I am using my paypal account for my online transactions. My paypal account : XXXX has stucked funds in it that I have to withdraw asap for emergency purposes. I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.
Product: Credit reporting or other personal consumer reports

I have filed police reports and have contact XXXX SEVERAL times regarding my identity theft issue. They have approved my request, but have yet to remove the accounts from my report and update properly on the XXXX  site. I see they have been removed when I check my XXXX report on other sites, but not on the actual XXXX site which many companies use. I need this corrected immediately as this situation has caused enough trouble.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding the fraudulent account appearing on my credit report. On [ date of initial dispute letter ], I sent a formal dispute letter informing you of the inaccurate and unauthorized account listed on my credit report. Despite my efforts, the erroneous information has not been rectified, and I believe there may be violations of the Fair Credit Reporting Act ( FCRA ) that need to be addressed. 

I reiterate that I have no affiliation with this account, nor have I authorized its opening. This erroneous information is damaging my creditworthiness and causing undue stress and inconvenience. 

Furthermore, it has come to my attention that there may be violations of the FCRA in handling my dispute : 1. Failure to Conduct Reasonable Investigation : Despite providing sufficient evidence of the fraudulent nature of the account, no meaningful investigation appears to have been conducted to verify the accuracy of the information. 
2. Failure to Provide Prompt Response : Under the FCRA, credit reporting agencies are required to investigate disputes within 30 days of receiving them. It has been well beyond this timeframe, and I have yet to receive a satisfactory response. 
3. Failure to Delete Inaccurate Information : The FCRA mandates that inaccurate information must be promptly corrected or deleted from credit reports. The presence of the fraudulent account continues to mar my credit profile, indicating a failure to comply with this requirement.
Product: Money transfer, virtual currency, or money service

The day before ( XX/XX/22 ) I was signing loan documents for a refinance, I received an email with wire instructions to send funds to escrow for closing. I thought that I would wire the money when I signed the loan documents on XX/XX/22. The email asked if I could wire on XX/XX/22 since Fed wire takes at least XXXX hours before it hits the escrow account. The email looked exactly like it was from the escrow company with the same Estimated Closing Statement. I failed to recognize that the email didn't come from my escrow agent and came from another person imitating my escrow agent. On XX/XX/22 I went to XXXX XXXX XXXX XXXX on my lunch break around XXXX and placed the wire. I was told that the wire transfer wouldn't happen until the next day ( XX/XX/22 ) since I missed the noon cutoff. The wire was officially place on Friday, XX/XX/22. I signed the loan documents on XX/XX/22 around XXXX. The notary gave me the wiring instructions that looked exactly like they came from the escrow company, and I told him that I already wired the money. He thought nothing of it, and we moved on signing the papers. XX/XX/22 was a bank holiday. On XX/XX/22, the escrow agent said that she hadn't received the wire transfer yet. I asked the bank to put a recall on the wire after I found out that it went to the wrong bank. Later in the afternoon, I found out that the email was fraudulent, and XXXX notified PNC Bank that the wire was fraudulent. PNC took no responsibility for accepting a wire transfer with the wrong account name, and said that there is nothing they can do. I realized that I made a mistake by not recognizing the fake email address, but PNC Bank made a bigger mistake by accepting the wire transfer with the wrong account name. I feel that there has to be some consumer protection here. If PNC Bank doesn't check the account name on a wire transfer, anyone can launder money. Isn't there any checks and balances?
Product: Checking or savings account

XXXX Purchased XXXX ticket for XXXX $ XXXX XXXX $ I was charged an extra XXXX $ as a commission for. Total of XXXX $ This XXXX $ was not listed or communicated till after I paid online They refuse to refund and chase bank refuses to recognize the fraud I asked for a refund and was fraudulently charged XXXX $
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 U.S.C. 1681 : XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information ; Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted the 3 credit bureaus numerous times about the accounts that need to be deleted are showing on my consumer report and every time they refuse they are breaking laws and damaging my reputation without my consent. -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 1681 c. ( 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. the accounts i am talking about are listed below : Delete these accounts immediately XXXX XXXX- acct # XXXX, XXXX XXXX-acct # XXXX,
Product: Credit reporting or other personal consumer reports

Subject : XXXX XXXX XXXX TRANSUNION XXXX XXXX, XXXX for FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to file a complaint against TRANSUNION XXXX XXXX, XXXX for their failure to provide proof and a detailed description of the reinvestigation process, as required by the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i ( 7 ) paragraph ( 6 ) ( B ) ( iii ) ; in which it states that a consumer reporting agency must provide a consumer with the description mentioned in paragraph ( 6 ) ( B ) ( iii ) within XXXX days of receiving a request from the consumer for that description. 

TRANSUNION XXXXXXXX XXXX  XXXX also violated my consumer right to protection against inconsistencies among my credit reports under Section 15 USC 1681i ( a ) ( 5 ) ( A ) of the FCRA. Despite my dispute submitted on XX/XX/23, TRANSUNION XXXXXXXX XXXX XXXXXXXX has still not complied with the FCRA by refusing to furnish documentation and a comprehensive explanation of their reinvestigation process. I believe this non-compliance hinders my ability to address inaccuracies on my credit report. 

Enclosed are copies of relevant correspondence. I request the Consumer Financial Protection Bureau 's assistance in ensuring TRANSUNION XXXX XXXX XXXXXXXX adheres to the FCRA. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention that my credit file contains collection entry from your agency. These accounts have no monthly historical data yet being reported negatively.