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

IN accordance to the Fair Credit Reporting act, XXXX, XXXX, AND TRANSUNION ARE IN VIOLATION OF Section 1681, 1681b ( c ), 1681 ( C ) 1681S ( 2 ), While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : 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, AND TRANSUNION ARE IN VIOLATION OF I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, i did not give you XXXX, Transunion and XXXX permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 

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

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. 

5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written
Product: Student loan

My name is XXXX XXXX and I 'm a XXXX year old XXXX living in XXXX XXXX, North Carolina. I would like to file a complaint against Navient/XXXX in regards to maximizing their profits for purely they 're own interest instead of providing better financing options and counseling and helping me payoff a loan I took out in XXXX as a young XXXX year old. Instead it ballooned to XXXX! Originally loan amount was XXXX. I 've never missed one payment over 12 years and always paid on time. Check my credit score. I often waited on the phone for hours to speak to customer service reps who I could not understand clearly and would transfer me around constantly cause they could not answer my questions. 

I have every email, letter, and bill filed away. I now have constant XXXX as it seems I 'm only working for a loan I took out 12 years ago. It 's hard as a small business owner to invest and make any improvements when you can not pay off a loan principal even after 12 years. 

Large Capitalized Interest Fees were added on frequently during XXXX. Hmmm. Interesting timing. I also had to take out a separate second loan called a XXXX XXXX XXXX ( XXXX XXXX XXXX as well ) when I enrolled in a XXXX college in XXXX, Ohio in XXXX. I 'm just about to finally pay it off and the original balance was for XXXX. 

When applying for these loans ... a child could complete the application and be approved. When I needed help because I lost my job, or could not find work due to the housing crisis and poor economy I still made every payment on time. This loan might literally be the death of me! 

XXXX XXXX XXXX
Product: Debt collection

I received a phone call from a XXXX XXXX of XXXX XXXX XXXX with an address to a P.O. Box in XXXX XXXX, TX. The number they called from was XXXX. They claimed that I owed money on a Household Bank account from 2004. I asked them to send me the information on a letter head to my email in which they did. I told them I had settled an account from this bank previously I believed I no longer had an outstanding account. I told them I would call them back after I went through my files and called the bank. I called Capital One who had obtained Household years prior. They were able to look up all accounts using my Social Security number. They had found one previous account that I had satisfied years prior. The account number XXXX XXXX XXXX has told me and put in their letter was an account number that was never held by me. I called XXXX XXXX XXXX back to tell them they were mistaken. They insisted I needed to pay them today or it would have long lasting damage to my credit. I asked them for a physical address hitch they would not provide. I asked them if they could give me more information on how they obtained my information or my apparent delinquent account in which he told me he could not.
Product: Checking or savings account

On XX/XX/2022, I paid {$150.00} to XXXX through my debit card with SunTrust Bank ( now Truist ). The charge was for a yearly subscription box service, which should have resulted in XXXX boxes of products being shipped throughout the year. XXXX, XXXX XXXX, went into bankruptcy shortly after my payment was issued, and I did not receive my boxes. XXXX advised that I should request a chargeback from my bank for the amount of the subscription. I filed a claim with Truist ; however, they denied the claim without refunding my money. I also have not received a refund from XXXX, and their website continues to say that I have to go through my bank for a chargeback rather than receiving a refund directly from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX On XX/XX/XXXX, I reported Identity Theft to Equifax ; the unauthorized use of my information remains a serious issue. A police report was filed in XXXX County, case number XXXX where vital information was compromised. Since that time I have had accounts established, inquiries, banking issues that has arisen in my name without authorization, The following Inquiries were made without my authorization, some I have accounts with but I didnt authorized these inquiries. Please delete it immediately and place the fraud alert. There are two XXXX XXXX accounts although paid on time they are not my accounts. All Creditors have been notified. I have credit monitoring with Equifax, Please make the adjustments and rescore my credit accordingly. My attorney has advised me to contact CFPB for further assistance. Your failure to correct the incorrect information is creating more harm. I have notified Equifax a few times about this matter. Name of Company Date of Inquiry Type of Business XXXX XXXX XX/XX/XXXX Banking XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XX/XX/XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXXFinance XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Finance XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX Oil And National Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX Oil And National Credit Cards XXXX/XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX Finance_______________ These Accounts have appeared on my credit, they are not mine and must be Deleted Immediately : XXXX XXXX Account Number XXXX High Limit XXXX and another with a High limit of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX AND XXXX XXXX XXXX HAVE 2 XXXX XXXX CREDIT CARDS. WWHEN APPLYING FOR THE CARDS THE CREDITOR PULLED ALL 4 BUREAU 'S ( XXXX, XXXX, EQUIFAX & XXXX ). SEE ATTACHED.
ON OR ABOUT XX/2015 THESE 4 ACCOUNTS CEASED TO REPORT ON XXXX.
Product: Checking or savings account

On XX/XX/XXXX, I discovered {$1000.00} in unauthorized transactions ( both transactions were for {$500.00} each from XXXX ) that were made to my usbank account the day before. Immediately after seeing them, I called in to report the transactions and was told I would receive a resolution within 10 business days. To my dismay, just recently I found out that usbank had closed my account and would mail me a check for the funds remaining in my account at the time of closure for {$50.00} however there was no mention of getting back the {$1000.00} that I lost. I need to get this escalated, I need my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to XXXX Credit Bureau last XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means XXXX has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter dated XX/XX/XXXX from Midland Credit Management , Inc. stating that they were trying to collect a debt of {$410.00} on a supposed XXXX XXXX credit card. The last XXXX XXXX card I had was closed on XXXX XXXX  with a XXXX balance amount by the creditor due to lack of use, per my credit report. 

I saw that Midland Credit Management , Inc. made an inquiry on XXXX XXXX XXXX about my account. 

I believe that this is a fraudulent letter. I have also previously received phone call messages from supposed creditors for an " outstanding '' charge of, I believe, the same amount. I never answered those calls. 

I will be sending out a letter to them today ( XX/XX/XXXX ) based upon one of your letter templates. 

Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX Balance : {$29000.00} ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, KY 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
Product: Mortgage

Starting in XXXX of this year, I made repeated attempts to communicate my concerns with someone, anyone at Freedom Mortgage. 
I have not been contacted I have been ignored. 
I contacted my agent XXXX XXXX, by email, voice mail and messages left with customer service agents. 
And his supervisor XXXX XXXX again by email, voice mail and several messages left with customer service agents. When I asked to speak to a supervisor, I was put on hold until I had to gave up after 56 min. 
When, my sales agent XXXX XXXX was selling me he was very attentive. After, Mr XXXX, succeeded, in misleading me to refinancing with Freedom Mortgage. 
He has not returned any of my calls or messages, since he closed the deal. 

I'm not sure what the fiduciary responsibilities of a mortgage company are but I'm sure there must be some regulations, about responding to a customer. 
How long can they successfully avoid a loyal, paying customer? 
To date I have been ignored. 
No one has returned any of my phone calls, emails, text and several messages to Freedom Mortgages automated message center. I left messages with customer Service agents, and the automated message center. 

I received, automated acknowledgement emails that my messages were received and that they would respond to me. 
The messages did not say who or when. 
I have not been contacted I have been ignored I believe l may have been targeted as an older customer and promised misleading statements until I thought I was getting what I asked for. 
It appears to me that Freedom Mortgage had only one concern and that was closing the deal and booking the contract.
Product: Debt collection

Someone stole my personal information and identity and opened up an unauthorized and fraudulent account with XXXX. I been receiving harassing, threatening and death threats telephone calls from representatives from LVNV Funding, LLC., in regards to the fraudulent account and the debt of {$220.00} I do not owe. The debt do not belong to me. SSN : XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that 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/year>
Product: Credit reporting or other personal consumer reports

I am writing to report that I am a victim of a data breach, which has led to unauthorized accounts and inquiries appearing on my credit report. Pursuant to my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following account and inquiries : Fraudulent Account : Account Name : XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Fraudulent Inquiries : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/2022 I deposited a check for the app in the amount of {$610.00}. I received a notice that a hold has to be placed because the check needs to be verified in detail. I called a representative and was told that the date number on the check was not current, I called the work agency and was told that the check was just written, that the date was current, I verified and indeed the date was current. The bank said they were going to verify and said no more. The deposit took about 2 weeks to clear.
Product: Debt collection

I XXXX XXXX have tried to bring to the attention with each credit bureau that there has been a fraudulent claim to an old Capital One account by a fourth party that clearly has committed identity theft from a third-party debt buyer. This agency has also claimed that they represent a debt buyer known as XXXX XXXX XXXX XXXX. XXXX. I claimed that not only did this debt get purchased by this company, but they in turn took my debt information and processed a debt collection application to another debt collection agency known as The Bureaus. I hereby post all Capital One accounts from a XXXX XXXX credit bureau posted XX/XX/2017. My accounts show as follows : Account ending in XXXX shows settled less than full balance, balance XXXX, account ending in XXXX, balance {$460.00} ( This is the account stated sold to both XXXX XXXXy XXXX and XXXXXXXX XXXX XXXX   XXXX. XXXX ), account ending in XXXX paid in full, XXXX balance closed by consumer, account ending in XXXX, paid in full, XXXX balance. This accounting proves that I only had one unpaid account with Capital One.  Yet I believe that The Bureaus obtained my information by identity theft, either through XXXX XXXX XXXX database, or directly from Capital One. It is difficult to believe that a publicly traded company such as Capital One would be dumb enough to sell the same debt twice. Accordingly, I claim identity theft by The Bureaus from either XXXX XXXX XXXX or from Capital One directly. I paid my Capital One account directly with XXXX XXXX XXXX. My disputes with The Bureaus went nowhere, where this fraudulent company stated to the bureaus that the Capital One debt purchase/collection was valid. This is an insult to the prestige on the national credit reporting system, XXXX, XXXX and XXXX XXXX collectively. Each bureau must see through this scam and delete this erroneous collection information permanently and take away all reporting rights from The Bureaus, with principal offices located at XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXX. This is a shameful act against an American consumer. Each credit bureau must see through this scam and delete this negative information permanently. XXXX XXXX
Product: Debt collection

They keep calling my number and asking for my daughter who does n't live with me for 5-6 years or longer and who is XXXX years old.I try to talk to with some persons try to tell them that we are not in good relationship and that I do not know where she is, but they just keep calling me and switching the numbers that they call me from.
Product: Mortgage

I applied for a loan to consolidate my bills related to medical and legal expenses using the equity in my property. I was denied. Chase stated that my credit score was below there 675 requirement. I was told that I could reapply once score had reached 675 or better. I confirmed that my score was lowered because of the debt I had incurred. I have a current mortgage related to this request and have been in good standing. I asked for detailed information as to why I was rejected. I was only referred to submit concern with your agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXXBalance Owed : {$250.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$40.00} ; XXXX XXXX XXXX Balance Owed : {$9500.00}.
Product: Checking or savings account

My direct deposit was sent to Albert Cash XXXXXXXX XXXX on XX/XX/XXXX and never posted to my account, including through the date on the deposit statement of XX/XX/XXXX. 

My employer and payroll provider both confirmed they sent the deposit per usual and it had not been returned. I confirmed both ach and account numbers as correct. 

I contacted Albert support via email, text, XXXX, and legal@albert.com for 2 days. Still no reply. 

I've asked for the amount of the direct deposit they received ( {$430.00} ) to be credited to my account while they investigate, to no avail.
Product: Credit reporting or other personal consumer reports

My identity was recently stolen. In an effort to protect myself and my credit, I began making accounts with the three reporting agencies.

When I went to request a freeze and make an account with Experian, someone had already created an account with my information and an Email address that was not mine.

I have tried calling Experian at least 5 times over the past three days. Despite stating that an account was fraudulently created in my name and trying to freeze my report, I get stuck perpetually in an automated line until I am hung up on. 

There is no way to contact or email anyone from Experian. The only option is by mailwhich is too slowor by getting the run around by the automated line. 

They are a completely insecure and untrustworthy organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Debt collection

I am reaching out to formally register another complaint against Global Lending Services LLC due to the harassment and maltreatment I've experienced, particularly since XX/XX/XXXX, following my submission of a complaint to the Consumer Financial Protection Bureau ( CFPB ). The activities of your company, I believe, breach Section 1006.14 ( a ), which enforces the Fair Debt Collection Practices Act ( FDCPA ) section 806 ( 15 U.S.C. 1692d ). 

After being granted approval for a skip payment, Global Lending Services LLC misrepresented the skip loan, which led to an unjustified past-due notification on my credit report. Such misrepresentation has negatively impacted my credit score. Furthermore, my access to the online portal has been unjustifiably deactivated despite my active loan status with your company. It's important to note that since the initiation of our loan agreement, all car payment installments have been made in full and in good faith. 

Section 1006.14 ( a ) clearly prohibits a debt collector from any conduct whose " natural consequence is to harass, oppress, or abuse any person in connection with the collection of a debt. '' The actions of Global Lending Services LLC, as I have experienced them, fit within this prohibited description.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balance : {$590.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$34000.00} ; XXXX XXXX XXXX  XXXX Balance : {$42000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$42000.00} ; XXXX XXXXXXXX Balance : {$33000.00}.
Product: Money transfer, virtual currency, or money service

BlockFi stopped all withdrawals due to their involvement in the XXXX debacle on XX/XX/2022. BlockFi have kept their costumers in the dark regarding what is being done with their assets ( are they still there? Have they been sold off?, etc. ) Tried to withdraw my assets and are currently " pending ''. Nothing has been done to keep us informed of the matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX n 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 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