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

I have submitted disputes about unauthorized accounts, Personal information errors, and fraudulent activity opened on my credit report without my knowledge. My information was compromised during Credit Breaches. My information has been handled improperly. The inquires, collection, and personal information needs to be immediately removed. In accordance to fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have had issues since opening my business account. I, XXXX XXXX, am managing the account for my relative, XXXX XXXX and listed as a co account holder. XXXX -- Chase Account number Issue 1 : I opened an account where if I maintained an average of {$500000.00} for 6 months I would receive a cash back bonus of {$3000.00}. At the time I opened the account the offer was not clearly explained and I did not know I needed to fund the account immediately. It is clear I could have waited up to 30 days after reading the fine print. So Chase was able to hold my funds and pay me XXXX interest for 30 days. These terms should have been communicated at the time the account was opened but I was not presented with any paperwork regarding this. Now I am concerned I will even receive an account bonus after the 6 months. Due to the history of non transparency from Chase/problems with ACH DEBITS, I have sent follow up emails and made calls regarding this, to mitigate further problems, but the terms of how Chase perceives this bonus are not clear to me. For example, if you review all the correspondence, I have continuously asked how someone can maintain a balance of {$500000.00} for XXXX months ; It is impossible unless there is no account activity. I have asked about the timeline and it has been communicated differently to me : some people have written/said 6 months from account opening or some have said it can be 180 days after the account has opened. 180 days from when? THIS IS NOT CLEAR. This is why all the terms and conditions for these types of offers in the industry state average balance. As a result, after leaving my funds in Chase for close to XXXX months and earning no interest, I have removed the funds to an interest bearing account pending the outcome of this potential dispute I have. Issue 2 : I was encouraged to participate in Chases ACH approve/reject debit process. I have sent tons of emails about this regarding how the process works and what the system does. I was told I would receive a notification to accept or deny ACH blocks each day. I did not receive this notification for XXXX XXXX and they were blocked from debiting my account. I was charged a return fee with interest totaling {$200.00} I am requesting interest from account opening XX/XX/22 at the promotional rate ( approx XXXX months ) {$1200.00} and the ACH return fees totaling {$200.00}. Total : XXXX. I also would like to continue participating in the promotion, ( as I was originally intending to do in good faith by depositing funds in full at account opening when I did not even need to ) and receive the balance of the {$3000.00} promotion once the reminder of the period has elapsed, XXXX months. So far I have received XXXX. Spoke with relationship manager XX/XX/XXXX via phone was told she would get back to me about these concerns did not hear back.
Product: Checking or savings account

USAA consistently holds cash transfers into my XXXX accounts for XXXX business days all of a sudden. I have been doing this for years to help build a large savings nest egg but they refuse to tell me why they are holding the funds. Its have been using USAA banking for over XXXX  years with XXXX problems. They refuse to release my deposits now.
Product: Debt collection

Phoenix Financial Services XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IN XXXX I have two collections accounts recent reported by Phoenix Financial in XX/XX/XXXX for 2 medical collection accounts in the amounts of {$1100.00} and {$830.00}. These are being reported to all 3 major credit bureaus ( XXXX, XXXX, and XXXX ). 

These 2 collections accounts are being reported as of XX/XX/XXXX with a Date Opened of XX/XX/XXXX. 

These same 2 accounts were already reported previously by XXXX XXXX XXXX with XXXX XXXX XXXX being the original creditor. The 2 collection accounts reported by XXXX XXXX were in the amounts of {$1100.00} and {$830.00}. Both accounts were deleted from all credit bureaus as these were falsely reported accounts. XXXX XXXX 's collection accounts had Reported Dates of XX/XX/XXXX, and Date Opened of XX/XX/XXXX. So as you can see, not only are their discrepancies in dates, but it is obvious these are the exact same accounts just resold to another debt collector, despite the fact both accounts were already deleted and removed from all my credit reports. 

I was never provided notification, or allowed to contest this information. Once a debt comes off of your credit report, no furnisher, creditor, debt collector or credit bureau is legally allowed to reinsert it, disguise it and re-report it, without notifying you and giving you the opportunity to contest it. Is this not correct? 

I am in the middle of being approved for a mortgage and this is an absolute joke that the bureaus even allowed this information to slip past and be re-reported. Quite honestly I could pursue legal avenues and not only get my credit report cleansed of the false information, but I am also likely entitled to monetary damages. 

Phoenix Financial has already been contacted twice with no response received. I opened disputes with all credit bureaus, and a complaint with the XXXX against Phoenix Financial. In which, Phoenix immediately responded and said for me to reach out via email. Which I have twice, and have received no response.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca., XXXX XX/XX/year> Subject : Request for Debt Verification Account Number : XXXX Amount : {$1200.00} To Whom It May Concern : I am writing to request verification of the above-referenced debt that Midland Credit Management , Inc. claims I owe in the amount of {$1200.00}. I am requesting that you provide sufficient documentation to substantiate the debt and to confirm that Midland has the legal right to collect on this debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of any debt Midland Credit Management claims I owe. Therefore, I respectfully request that you provide the following information : 1. Documentation proving that the debt is valid, including an itemized breakdown of the charges, fees, and any other relevant details that constitute the claimed amount. 
2. Documentation showing that Midland Credit Management , Inc. has the legal authority to collect this debt, including any contracts, assignments, or transfer agreements that legally link this debt to your organization. 
3. The name and address of the original creditor, along with any account numbers or references related to the debt. 

Please consider this letter a formal dispute of the debt until I receive sufficient verification. If you can not provide this information, I request that you cease collection activities and remove any references to this debt from my credit report. 

Thank you for your attention to this matter. Please respond in writing to my address above. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 USC 1681 ( a ) ( 4 ) infringed upon a consumers right to Privacy. I received the letter with my dispute results from XXXX, XXXX, and Experian and I need to know WHY these accounts are still remaining and they are claiming they have been verified. Thats impossible because these creditors are denying any record of a dispute from their company! I am maintaining a careful record of my communications with your Agency for the purpose of filing a complaint with your agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to the reporting agency with no prevail. When i sent these letters I will attach the letters I have sent. 

After the letters was sent I have not received an response from either bureau. 

I have sent several letters for accounts to be verified and validated with the credit bureaus. 

Not only have I not received a notification stating that they accounts would be looked into for their accuracy for reporting, For the following accounts : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX I simply asked for these accounts to be verified as mines. 

This is over the course of 4-6 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act. 
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # XXXXXXXX CBE Group, Account # XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX 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 : It also states a 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I disputed a ch XXXX bankruptcy that appeared on my credit file wanting the information in the report to be accurately validated and be verified by XXXX XXXX. 

XXXX XXXX had 30 days to do so upon request in the dispute or remove the public record because they could not verify the accuracy of the information. 

As of XX/XX/2018, I have not heard any response from XXXX XXXX. I have contacted them on 3 occasions : 1st contact I was told that it was received and being processed. 2nd contact : I was told it was processed on the XX/XX/2018 and letter sent. I received a dispute alert from the credit bureaus indicating that I had initiated disputes with them. I found out that XXXX XXXX had initiated these disputes with the credit bureaus without my permission because I wasnt disputing anything with the credit bureaus. My dispute was for the inaccurate information the XXXX XXXX had in their file. 

Still I had not received a response from XXXX XXXX regarding my dispute with them. On my 3rd contact inquiring about my dispute, I was told that there was never a dispute letter received. By that time, I had received a letter from XXXX XXXX stating that the credit bureaus must have lost my disputed. I inquired about this letter while on the phone with the 3rd contact Representative. 

He, ( XXXX ), which was a false name because I spoke to him before and he used another name, stated that he did not even see in my file any letters regarding a dispute and he had no idea of what letter they sent met, and that XXXX XXXX should not have initiated any dispute with the credit bureaus which also wasnt indicated in any notes in my file. He was just as confused as I was about the whole situation and apologized because he couldnt help me because of nothing being dictated in my file. 

I contacted the credit bureaus requesting information about this situation and was told that they information that they received came from XXXX XXXX and they are the furnisher of the public record 3rd party vendor of the public record and not the court. 

I am requested that this information be removed from my report for final resolution due to the activities of XXXX XXXX for their deceipt about receipt of my dispute with THEIR company and initiating disputes with the credit bureaus without my knowledge and/or written permission.
Product: Student loan

In XX/XX/XXXX my grandfather took out a loan to pay for my education at XXXX XXXX XXXX XXXX. I did not sign any loan documents. In XX/XX/XXXXmy grandfather passed away. I supplied Sallie Mae with a death certificate. I began getting multiple calls daily even after speaking with a rep. They constantly harass me to pay a loan I did not take out. They claim my name is on the debt, but have not provided me with proof. They told me I could not get federal aid unless I paid on this loan. I began making payments so I could continue receiving federal aid. When I found out this was a lie, I stopped paying on this loan. They apparently rewrote the loan in my own name without my permission or signature. In XX/XX/XXXXthey began calling me multiple times each day rarely leaving a message with what appears to be their intent to annoy/harass me. I have had to block several of their numbers. They then threatened me with a lawsuit several times. After those threats they sent me a letter that they would forgive a part of the debt and send me a XXXX XXXX. I never signed this form, but they reduced the debt anyway. They contacted me at my place of employment. After advising to never call me on that number again she continued to harass me. I tried to log in to their website, but my user name no longer matches my SSN or birthday. I have been deceived and lied to by Sallie Mae, now Navient, and continue to be harassed about a loan I never took out. They have ruined my credit for a loan that is not mine.
Product: Credit card or prepaid card

Capital One closed my credit card without my knowledge. I spent over 3 hours on the phone in one day, trying to find answers and proper documentation. It turns out, capital one didnt disclose that they can close your account without your knowledge. They stated due to payment return which is outside of normal monthly payments. Basically if you try to transfer money from another bank to capital one account, they can take up to a week to post the transaction leaving consumers confused about the funds available in either accounts. Also, customer service is poor and no one is able to disclose these terms before you find out the hard way ( account closure ). Capital One collected a {$600.00} payment to the card after closing it, without my knowledge that Id have no access to the funds. 
At one point, when my call was escalate, the agent who identified herself as XXXX ( spelling ), said that too many payment returns as a reason for account closure without notifying the customer, was proprietary company information and didnt have to be disclosed with the customer.
Product: Credit card or prepaid card

I opened a credit card account with HSBC in XXXX of XXXX. I didn't use the card much but made my first payment online in XXXX, XXXX. I put my credit union account info in their system, made the payment, and everything was fine. I did the same thing in XX/XX/XXXX and they accepted the payment. I did not hear from them concerning any problems. I then made my regular payment in XX/XX/XXXX. They still did not notify me of any problems. My XX/XX/XXXX payment was made on XX/XX/XXXX, and went through again. This month i noticed late fees for XX/XX/XXXX & XX/XX/XXXX even though I paid before the due date. 
I called HSBC on XX/XX/XXXX at about XXXX and asked for an explanation. They advised me that the XX/XX/XXXX & XX/XX/XXXX payments did not go through. This was the first I had heard of a problem. They read me the bank account number for my payment and the last digit was a " XXXX  '' instead of a " XXXX ''. I had never changed it so they referred me to the fraud department. Based upon my logins, they concluded that there was no fraud and it must have been a " glitch '' at their end. When I was transferred back to customer service, they refused to change my credit report showing I was late on payments. I have never been late on a payment to my other numerous credit card companies, My FICA score was over 800 before they messed it up. I need them to correct their report to the credit bureaus so this can be rectified. I don't feel a call from me will do the trick.
Product: Mortgage

Got behind on a couple payments due to a brief hardship. Spoke to lender and they recommend me to complete loan modification forms and would not take further payments after submitting all the documentation the lender would allow documents to expire dragging the process out resulting in me being 12-13months behind on payments owing the lender {$20.00}, XXXX in the rears after keeping the {$4000.00} I sent in to catch up with payments. 

The lender CitiMortgage did not offer me all the protections nor did they provide me all the assistance required by law to help me avoid foreclosure. I have maintain a steady income over the past 12 months and could have easily avoided foreclosure. Currently CitiMortgage have transferred my mortgage to another servicing company XXXX XXXX Account # XXXX which have made everything in more complicated
Product: Checking or savings account

I am writing to file a complaint against Navy Credit Union regarding multiple overdraft fees I have incurred.Despite having sufficient funds when reactions were authorized, I was charged fees due to lagged posting of charges and credits.This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds.I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

Dear STAFFORD GROUP AND ASSOC I am writing to formally dispute a debt collection account that has been reported to my credit report # XXXX .I believe this account is inaccurate and violates my consumer rights under multiple consumer laws which I will list below, each violation of my consumer rights will be met with legal action if not removed. This debt is not owed, nor do I recognize this debt and have no record of it. This alleged debt is not legally enforceable. You have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ). And you have also not given me a chance to dispute this account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). STAFFORD GROUP AND ASSOC has XXXX authority to furnish anything to reporting agencies without providing any and all disclosures REQUIRED by law, you are in clear violation of CFR 1006.34 ( d ) and 15 USC1681-S2 ( 7 ) ( A ) STAFFORD GROUP AND ASSOC has engaged in harassing or abusive behavior, such as repeated calls, threats, or false statements, due to this violation of my rights I have experienced hardship both physically and mentally and will be seeking damages if not removed.

I am requesting debt validation and the purchase agreement between STAFFORD GROUP AND ASSOC and the original creditor. investigate this matter and take appropriate action to correct my credit report. I also request that the debt collector cease all collection activity on this account and proof you are licensed and bonded.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Dear Credit Reporting Agency, I am writing to dispute the following information that appears on my consumer report : Dispute XXXX Account Number or other information to identify account : XXXX Source of dispute information : XXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report.

Dispute XXXX Account Number or other information to identify account : XXXX Source of dispute information : XXXX  XXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report.

Dispute XXXX Account Number or other information to identify account : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report.

Dispute XXXX  Account Number or other information to identify account : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 

I have attached a copy of my report with the accounts in question circled. 







Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After taking a friends advice and reading the FCRA, I noticed that the furnishing companies were in violation of my federally protected consumer rights. The list of accounts I have below have also been attached in my FTC Report. The section of the violations fall under consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : ACCOUNT NUMBER : XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX 15 USC 1681 section 602  A states I have a right to privacy. 

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

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years. 

15 USC 1681s-2 ( A ) ( 1 ) states 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