23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My personal information has been exposed in a data breach. Due to this mishap i have several accounts that DO NOT belong to me. Here are the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX account # XXXX15 U.S.C 1681 section 602 A states i have the right to privacy 15 U.S.C 1681 section A section 2 : It also states i consumer reporting agency can not furnish an 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: Checking or savings account

The last time I overdrafted they refused to refund the fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a federal trade commission ( FTC ) letter and dispute letter to Transunion credit bureau notifying them of these fraudulent inquiries they I dont recall nor recognize reporting on my consumer credit report. They have failed to delete these off my credit report. This is stressing me out and causing harm to my score. I dont think they are taking me serious and I need something done about this no one is listening to my requests like this is a joke and this is real life MY LIFE. Me as a consumer Im suppose to feel protected and this doesnt seem like it, I just want transunion to follow the law because I do know my rights and delete these inquiries that do not belong to me.
Product: Credit reporting or other personal consumer reports

I am writing to formally report a breach of my personal and financial information that occurred without my consent. Under the Family Educational Rights and Privacy Act ( FERPA ), student loan information is protected, and this incident constitutes a clear violation of both FERPA regulations and your obligation to safeguard my data.

Given the serious nature of this breach and the exposure of my confidential information, I request the immediate cancellation and discharge of my student loan debt in full as a corrective measure. Please confirm receipt of this request and provide a prompt response outlining the actions you will take to address this violation.
Product: Debt collection

I rented a car from XXXX on XX/XX/XXXX XXXX, someone came and hit the car on on XX/XX/XXXX in XXXX XXXX XXXX There was a little damage to the driver side of the mirror. I reported the incident to XXXX, my insurance and XXXX XXXX XXXX. Since this was the fault of other driver XXXX dealt the incident with other party driver insurance. Now XXXX and collection agency is coming to me and saying i owe them money ( {$360.00} ). XXXX and collection agency is harassing me by making calls and sending letters. I made an attempt and explained to XXXX and collection agency on the situation. If there is anything they need to work with other party 's insurance and my insurance not me. I provided them the insurance information of both the parties. Please kindly look into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, VA XXXX 4. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, MD XXXX 5. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, MD XXXX 6. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX 8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, VA XXXX 9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MD XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XX/XX/XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XX/XX/XXXXXXXX.
Product: Mortgage

XX/XX/XXXX - I applied for a home mortgage with Quicken Loan website and a banker contacted me to ask for all confidential information ( income, debt, credit report, assets, etc ). 
XX/XX/XXXX - Quicken Loan requested my current credit report. XX/XX/XXXX - Quicken Loan
contacted me via online email saying my debt to income ratio can not qualify for mortgage with them. I totally understand the reason and rejection. 
XX/XX/XXXX - Another Quicken Loan banker " XXXX XXXX '' blind called me that she can help me get the mortgage approved this time and ask me again a lot of information. As she walk through the term and rate and cost, she kept emphasizing the call is recorded and ask for my agreement to do business with Quicken Loan ; she requested {$500.00} deposit using credit card. 
I disagree with the urgency because I do not have rights to compare bank interest rate offer and terms with others at the moment. I simply ask her to provide me everything on record, such as email, paper mail, etc. She refused and pretend never heard. The worst part is she kept asking me for the agreement to do business with Quicken Loan and ask for credit card for deposit {$500.00}. I deeply concerned about my personal information may be misused by Quicken Loan. 

Please please investigate this company 's mortgage practice. I believe they are attempting to take advantage of home buyers who is in tight schedule to secure a mortgage for closing. Thank you. 

The call on XX/XX/XXXX is between XXXX - XXXX EST from number XXXX.
Product: Checking or savings account

Had a transaction from an unknown vender " XXXX '' that took a total of XXXX $ from my account. I never authorized this transaction. 

Reported the fraud to a bank of America service representative who promised that I would be refunded the money in three business days. One day later my claim is denied.
Product: Checking or savings account

Dispute Explanation : I have been a customer of XXXX XXXX for some time and have completed multiple transactions, all of which were authorized by me. However, a recent incident involving multiple unauthorized charges on my account has raised significant concerns, and I am seeking a resolution. 

On XX/XX/year>, between approximately XXXX XXXX XXXX XXXX XXXX, six unauthorized transactions totaling {$9000.00} were charged to my account. The individual charges were as follows : {$5000.00} {$2000.00} {$250.00} {$1000.00} {$500.00} {$250.00} These charges were deducted from my checking account without my knowledge or consent. I had recently transferred all of my available funds to my checking account, as I typically do when managing my finances. I am also in the habit of transferring funds between my checking and savings accounts, so I am very aware of my account activity. 

The most troubling aspect of this situation is that my card details were already on file with XXXX XXXX and previously Ive transferred money to this merchant but these specific charges I did not authorize these transactions. As soon as I noticed these unauthorized charges, I contacted XXXX XXXX to report the issue. In response, they not only failed to resolve the problem but also closed my account, which has left me further frustrated and concerned. 

I am requesting a thorough investigation into these unauthorized transactions and a refund of the total amount taken from my account, {$9000.00}. I trust that this matter will be handled with urgency and that my account activity will be thoroughly examined to prevent any further issues. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Credit reporting agency has reported that there is 30 closed accounts on my credit report. If those 30 accounts are closed then my credit report is completely incorrect and these items needs to be removed immediately.

Accounts follow : 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 these accounts has been closed and still reporting on my credit report. Thats illegal to do.
Product: Checking or savings account

Contacted Chase bank after noticing I was charged twice for a XXXX ride on my XXXX XXXX card and on my Chase debit. I was told by a rep. to walk into my local branch with the proof of print out from XXXX. I get there, I'm treated like criminal, I was refused from making a deposit and I was told by management after requesting for a manager that there no way she can contact the dispute unit. I was then asked for my debit card, ID. I was laughed at by bank employees. I knew she was lying, I was just being rejected for services because the bank assumed was lying or something .I had to deposit my money at the ATM because all the bank employees was in a group as if i'm an criminal.I was just released from the hospital for XXXX and XXXX, I'm taking XXXX. You know how embarrassing it is to be denied help and to stand there and have a ***** break down in front of strangers over {$16.00} overcharge by someone else on my account. Chase discriminated against all the time denied credit by Chase for no reason, all my bills are paid thru Chase. All my income is trusted with Chase but I'm not a good enough for equal services. I was denied by Chase for a XXXX card under XXXX XXXX and still don't know why. I know why because I'm XXXX!! I being XXXX!
Product: Bank account or service

I am being charge for XXXX overdraft transactions, each of {$35.00} by my Bank without me being responsible of such. Just because it was posted. I try to speak to my bank about it with no resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an XXXX  company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this XXXX XXXX n now im XXXX  n cant XXXX to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have gave notice to Transunion that an account on my consumer is being reported inaccurately and still hasnt updated my account not only do I believe they didnt conduct an investigation I have sent them proof of account never being late. As a furnisher of information It is there duty which under law there suppose to make sure everything is 100 % accurate which there not doing and is negatively affecting my life with there noncompliance which is against the FCRA. 

Attached is my statements from XXXX XXXX Bank
Product: Checking or savings account

XXXX Has restricted and blocked my account for no reason. and will not unblock or give me access to my account or my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX and Transunion should not be reporting the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account is well over ( 7 ) years old and it is a violation of the Fair Credit Reporting Act to not reflect accurate information on a credit report. This false reporting of an account that exceeds the time frame to report is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Checking or savings account

I received an unsolicited debit card in my name mailed to my place of residence from Huntington Bank. As I was out of town, I do not know exactly when the letter arrived, but sometime between XX/XX/2021 - XX/XX/2021 appears most likely. 

I did not request this account nor have I ever to my knowledge done business with this bank previously in any capacity. I have reached out to customer service of this company but they are closed on the holiday.
Product: Checking or savings account

BANK OF AMERICA IS charging me a XXXX dollar fee for a transaction that I didn't make and the Bank did not even attempt to pay the charge of XXXX dollars as my account didn't have the amount to Cover charge. They will not credit my account the XXXX dollars, They made no attempt to pay the charge that this XXXX dollars was put on account. I want the Bank to Stop robbing Poor people! And Credit my account
Product: Credit reporting or other personal consumer reports

DESCRIPTION OF NON-MONETARY RELIEF In response to your request, the following actions were taken on your credit file : You disputed the following Personal Information on your credit file. Below includes the actions taken : Name - REMOVED Address - UPDATED Employment - REMOVED You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SPRING OAKS CAPITAL LLCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXVERIFIED AS REPORTED Other miscellaneous
Product: Debt collection

I previously submitted a complaint against Citi and their subsidiary XXXX XXXX XXXX regarding the numerous calls I received daily and for more than 7 days in a which is in violation of the FDCPA. XXXX XXXX responded to my previous complaint on XX/XX/XXXX in reference to CPFB case number XXXX. Stating that they called " once or twice per day since XX/XX/XXXX ''. This statement is completely inaccurate and the CFPB closed this case with a response from the company. I would like to request that the CFPB request the phone records of both Citi and XXXX XXXX and this will show their violations or if the CFPB prefers I can provide my records from my XXXX call filter app although it is limited in the time periods it shows. 
The letter from XXXX XXXX also states they have placed a cease and desist regarding 2 accounts. I have more than 2 accounts currently with Citi so this issue has not actually been rectified. I am asking the CFPB to address this complaint and do a thorough investigation of Citi and Client Services and provide the monetary relief that is allowed under the FDCPA.
Product: Debt collection

In XXXX I thought closed a XXXX XXXX  account in XXXX, Ca. In XXXX I was notified it had not been closed and there was a maintenance fee {$4.00} for not having any money in it followed by a " forced close account '' fee {$34.00}. Thus creating a bill. Young, XXXX and really not feeling responsible for it when I hadn't used the account in 2 years I dismissed it. In XXXX, I recieved a voicemail from Certified Recovery Group asking me to contact them within 10 days or I would be taken to court. I called them and they told me I owed {$1200.00} for this XXXX XXXX  account " overdraft ''. I closed the account, how could I have been overdrafted and accrued this INSANE bill??? I was endangered of my wages being garnished. I asked for proof and a statement. I also asked for a settlement or payment plan as I could not afford a lien, or civil action. I did not have resources, knowledge, or internet and I already worked every chance I could. I live in a rural community and work at a little grocery store. I had a XXXX year old to take care of. The situation was frightening. They knew where I worked, my family, everything. I paid them {$620.00}, of which {$140.00} was rolled change! It was everything we had or could come up with and CRG accepted. I recieved the letter stating the debt was paid and I owed {$0.00}. Since XXXX, there have been several attempts to either collect on this again for the full amount by other companies, or wanting the remaining balance of the initial {$1200.00}. 
XXXX XXXX of XXXX XXXX XXXX XXXX today XX/XX/XXXX wanting balance An associate firm XXXX wanting total debt from CRG Certified Recover Group ( CRG XXXX XXXX company I paid {$620.00} to settle These monsters are terrorists! 
I also am filing a complaint against XXXX XXXX. How can they " free for all my information '' and put me at risk to haunt me for over a decade! It was a made up debt! It was a form of punishment for closing my account! And how can debts get resold over and over? This is disgusting. I feel robbed, and I'm angry that my tax dollars help this corrupt system and gross " leaching of the poor '' practices! I helped bail you out US! How is this legal? Why is this happening in America? This is parasitic! Why is all of America 's leadership across all vectors of government NOT HANDLING THIS!????!!!?
Product: Credit reporting or other personal consumer reports

You are in violation for reporting an unverified account on my credit report. I am not the owner of account XXXX XXXX XXXX XXXX XXXX. I submitted a XXXX complaint notifying you of this inaccuracy and submitted an FTC report which was submitted via XXXX. My FTC report number is XXXX. I did not authorize this account to be taken out in my name nor does it relate to anything I did. Furthermore, under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. As a consumer by law this account must be deleted immediately, or I will seek monetary damages in small claims court in my city and state.
Product: Credit reporting

XXXX XXXX XXXX is a collections agency. They are not the original creditor to whom the debt was owned. I have disputed their reporting to XXXX, XXXX and now they are reporting expired debt that has passed the 7 year reporting time to Equifax. Furthermore, they do not report credit history debt. After I dispute their information being reported and it is removed, XXXX XXXX XXXX report it again as new debt. The credit Agencies do not check if this has already being previously reported, and removed. The data is taken as a new report and reported against my credit history.
Product: Credit card or prepaid card

While I was out-of-town, my identity was stolen and used for fraudulent purposes, included among this fraud was a purchase from XXXX XXXX for {$400.00} XXXX I immediately reported to the credit card company ; however, it did not conduct an immediate investigation as required by law. It was months before I atually heard anything from the credit XXXX  company. In the interim, I contacted the company by telephone and was informed that the4 unauthorized transaction was removed from my account. Months later, by letter dated XXXX XXXX, 2022, the company informed me that I was being required to pay for said unauthorized transaction. Consequent, phone calls with the company regarding this issue only resulted promises of further investigation, which were not honored. Recent, phone calls to the company regarding this matter has resulted in me being informed that nothing further will be done about this and that I musty pay. I have been advised to sue and file this complaint.
Product: Student loan

I called and thought I was speaking to a   XXXX   customer service rep. However by the end of the call I realized I was not. This was a company called time mark solutions. I gave them my social my debit card as well a license number. They did n't tell me until the end of the call when they were " supposable '' sending me my paper work that I never got that they were n't  XXXX  they were a debit consolidator. Here is there number  XXXX