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

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States that I have a 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 166b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Debt collection

In XX/XX/XXXX, I discovered a collection account for {$1400.00} reported on my credit report, linked to a debt collection agency pursuing payment for XXXX. I dispute this debt because XXXX filed for bankruptcy in XX/XX/XXXX and ceased operations in XX/XX/XXXX, failing to deliver the orthodontic services like aligners or treatment. 

I had paid for as part of their plan. I made payments to XXXX prior to their closure, but they never completed the promised services, rendering this debt invalid. Additionally, the collection agency never sent me any written notice about this debt before reporting it, which I believe violates federal law. The account was opened with the collector on XX/XX/XXXX, and marked past due as of XX/XX/XXXX, with no prior communication from them. Ive taken no action yet beyond researching my options, as I only recently learned of this through my credit report updated on XX/XX/XXXX. 
I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. I consent to publishing this description after the CFPB has taken steps to remove my personal information, understanding that someone may still be able to identify me.
Product: Debt collection

Midland Credit Management has sent me four collections letters ( Three threatening ) to collect on a debt from XXXX XXXX  XXXX. 
On XX/XX/2019 I sent them a letter requesting validation of the debt. I requested breakdown of all charges, dates of purchase and items purchased including any and all fees or charges included. I sent another letter on XX/XX/XXXX that was sent certified Mail requesting the same information. 
Prior to sending these two letters I received a " pre-legal '' notification letter stating they were considering forwarding my account to an attorney for possible litigation. 
On XX/XX/XXXX I sent a settlement offer, not admitting to the debt, but to close the account including a check for the amount offered. The check was not cashed. On XX/XX/XXXX I received another threatening letter stating they were going to forward my account to an attorney for a lawsuit. 
On XX/XX/XXXX I sent another letter stating they were in violation of the FDCPA and asking again for validation of debt and breakdown of all charges, dates of purchase and items purchased including any and all fees or charges included. 
On XX/XX/XXXX I sent one more follow up letter that was exactly the same as the one from XX/XX/XXXX. 
On XX/XX/XXXX I also received another letter for notice of possible attorney review. 
I have yet to receive any proof of this debt after 3 requests and a settlement offer. I am asking you to step in as they are now in violation of the FDCPA. I have kept track of every communication with them and all they keep sending me are threatening letters, no validation of this said debt. I have yet to receive any proof or details in regards to this debt as requested by me 3 times in a 60 day period.
Product: Credit card

I sent a letter to HSBC Bank inquiring about a account that they listed on my credit reports, which I do not recognize. The account number is listed as XXXX. I disputed their reporting reporting of this account under FACTA rules and regulations. I wanted a FACTA request for a complete accounting of account. I asked them for the date and amount of each and every charge, payment, or adjustment made on the referenced acct. I also told them that under FACTA, they must either provide me the requested info or delete this acct from all credit reports. To this date HSBC Bank has not provided me this information.
Product: Debt collection

I wasnt notified about debt no phone calls no letters nothing from southwest credit systems but somehow ending up on my credit report. I do not have a contract with them never did. I think its unfair to consumers that companys can just add debts to your credit reports without notifying you about it. It should be laws against this practice.i didnt receive a debt validation letter from company saying the debt was mine and this is against FCRA and FDCPA
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report.

I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report.

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future.

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

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

I am filing this complaint regarding Experian 's handling of a fraudulent account ( XXXX XXXX XXXXXXXX ) on my consumer report. Despite my compliance with all legal procedures, Experian reinstated this account, citing, " Account previously in dispute - investigation complete, reported by data furnisher. '' Under FCRA 611 ( XXXX XXXX. XXXX ), I request written confirmation that this fraudulent account has been blocked and removed as required by the FTC Identity Theft Affidavit. Additionally, I seek a detailed explanation as to why this account was not removed initially, despite my submission of the necessary documents, including my ID, Social Security, proof of address, and the original FTC Identity Theft report. I also request disclosure of the method of investigation used, as mandated by FCRA 611. Furthermore, I am aware of recent lawsuits against Experian for failing to properly investigate disputes, highlighting a troubling pattern of non-compliance with federal law. I expect Experian to complete its investigation and provide all requested documentation within the XXXX-day timeframe required under FCRA 605B. Your prompt resolution of this matter is appreciated.
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 USC 1681. 

Account name : XXXX XXXX & Account number : XXXX has violated my rights. Or list of inquiries 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 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

Hello so XXXX my account was hacked and my tax refund was stolen on my Chime account. There are 23 transactions for the total of XXXX that I did not authorize. My money was sent to 2 accounts that I did not authorize at all. When I reported this problem to CHIME they investigated it twice and still denied my claim. I have a police report and proof of my account being hacked. For some reason they are keep denying my claim. I will like to have all money back that was stolen from me. I feel like CHIME was suppose to protect my account from these fraud transactions. It's clear as day that these 23 transactions are fraud. Thanks
Product: Debt collection

The account with a balance of {$690.00} does not belong to me.
Product: Credit card

Discover Credit Card Servicing has prevented me from accessing my account information online and everywhere else. I submitted a fraud claim after my card was compromised while I was hospitalized for a chronic illness and they have taken no action towards providing a proper resolution and crediting my account. I have reached out to the Executive office and continue contact with Discover agents who said that an investigation was being conducted. I received a letter in the mail stating that the investigation was concluded and that I was not liable for the fraudulent transactions, but to this date I have no access to my account information nor has my account being credited for the unauthorized charges. XXXX and XXXX from supervision has done a very poor job to follow up and address my concerns. XXXX continue to ask in my call how she can help me, after I explain the situation several times, but provided no response when I stated that I receive a letter stating that I was not liable for the transactions, she instead kept saying that she would note in my account the information I provided. The issues have been extended for almost three months. The balance in my account should be {$XXXX} if the investigation is conducted with propriety as I have not been in possession of my card. Discover has not sent a replacement card.
Product: Credit card or prepaid card

Old navy credit card has received payments and have not posted them on time. Thus lowering my credit score. I made six consecutive payments on time since XX/XX/2019 and they reduced my credit limit, thereby decreasing my fico score erroneously.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

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

On XX/XX/2018, XXXX XXXX credit card stated they will REMOVE ALL LATE PAYMENTS from XXXX - XX/XX/2018. However, I checked my credit report from XXXX XXXX  and XXXX AGAIN to find that the late payment remarks still exist. I have also submitted two previous disputes with each CB as well as CFPB but nothing has been deleted and it's really stressing me out. When i contacted XXXX XXXX on XX/XX/2018 to take care of the past due balance, the collections supervisor stated verbatim that the negative XXXX XXXX trade-in would be redacted and deleted within 30 days, which would have been by XX/XX/2018. However, as of XX/XX/2018, the negative balance had NOT been deleted, which prompted me to send another complaint.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  Account Name XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DO NOT BELONG TO ME THE ACCOUNTS ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE CRIMINAL COMPLAINT WITH LOCAL AND FEDERAL AGENCIES I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XX/XX/XXXX and Experian CRAs. On XX/XX/2020, I mailed XX/XX/XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Checking or savings account

I have two unauthorized charges from a car rental company that were charged to my card several days following an extended rental period. I disputed the two charges ( XXXX was around {$390.00} the other was {$7.00} ) because upon discovering these charges i also found my account with the rental company had been closed without my knowledge, i never received a bill for these charges, and my attempts to contact the company were never returned. I filed the dispute with Bank of America and was not immediately offered a provisional credit. So I waited the obligatory XXXX days and was told I would have an answer the next day. Next day comes and still no answer, only that they had disputed the charge with the companys bank. When I asked if I would be receiving credit I was told the back office had decided it was not an eligible transaction for Regulation XXXX and when I asked why I was given no reasons nor was I allowed to talk with anyone in the back office. Im fairly certain I am entitled to this credit as it was an unauthorized XXXX as defined in the regulation as an electronic fund transfer from a consumer 's account initiated by a person other than the consumer without actual authority to initiate the transfer and from which the consumer receives no benefit. {$400.00} is a lot of money to someone like me who doesnt make much and I think the bank is just being greedy or they just dont give a XXXX.
Product: Student loan

I have a Dept. of Education loan of {$40000.00} on my credit report, but when I accessed my Nelnet account, it only shows that I have an unpaid amount of {$1900.00} on XXXX XXXX XXXX. This maybe the amount that I co-signed for my brother 's loan, but my brother has paid his federal loan off as well and it does not show on his account. I would like this information corrected. Please advise.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Following up with my previous complaint against Experian Credit Bureau, Experian response was l did not mention specific account or other. Well, Well this is what Experian has been doing to me playing games, using stall tactics and RED TAPES to slow walks my issues, because they are cohort with the banks that reporting inaccurate information on my credit profile. I am absolutely certain that ; l sent numerous copies of my social security card, Driver license, utility bill and bank statement. Well the following accounts does not have correct information especially name and address reporting does not match my name or address ... see below Reason for Dispute : Account Numbers : - Creditors : Incorrect name XXXX XXXX Incorrect name XXXX XXXX Incorrect name XXXX XXXX XXXX Incorrect name XXXX XXXX XXXX Incorrect name XXXX XXXX XXXX XXXX  Incorrect name XXXX XXXX  Incorrect name XXXX XXXX XXXX XXXX Experian Credit Bureau reporting information that they know to be inaccurate, and failing to report information correctly, they continuously violating the FDCPA and the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I have sent multiple dispute letters regarding inaccurate information on my credit report, but the results remain unchanged. Upon conducting a recent investigation, I was deeply distressed to discover unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were reported accurately. 

Under the Fair Credit Reporting Act, it is mandatory that all information on my credit report be reported with 100 % accuracy. However, the accounts in question are in violation of FCRA regulations, specifically under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which require complete accuracy in reporting. 

Attached are copies of all correspondence previously sent to your agency regarding this matter. I urge you to address these errors promptly and ensure that my credit report reflects only accurate and verified information, as mandated by law.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( XXXX. ) ( XXXX XXXX XXXX XXXX XXXX XXXX ) customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process XXXX as untair and leceptive, as they lild not " comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX XXXX XXXXXXXX XXXX was told by a real estate agent to go on line and get information from XXXX XXXX XXXX XXXX to compare rates. I went on line filled out the XXXX portion of inquiry- after putting in my information I realized that this was a pre-approval form for a loan. I did not continue with the form but closed out screen. Today my husband received a letter of stating the application had been closed because they did not have all my information. It also, states that this action is not reported to the credit bureaus. And does not affect your ability to apply with another lender or reapply with XXXX XXXX XXXX XXXX in the future. 

This company ran a credit bureaus hard inquiry- insisting I gave them the authority to do so,. If I had then they would have had all the information they needed and the application would have been complete. 

When I call them to have them remove the inquiry they argued with me ( XXXX supervisor stated that he was the only supervisor and I had to talk to him!! He LIED! ) I called back and was given " ANOTHER SUPERVISOR '' hearing laughter in the back ground. They refused to remove the inquiry and now my credit rating has gone down XXXX points- And if I wanted to I could not get any loans period because it has taken my rating in the low XXXX 's. 
My husband and I both have a back-ground in XXXXXXXX XXXX XXXX and we know what they are doing is incorrect. 
I am sure they have done this to other XXXX. 
And I feel they need to remove this inquiry.
Product: Mortgage

In a XX/XX/XXXX letter from CMG Financial, I received acknowledgement that my mortgage loan had been paid in full, and that any funds in excess of the payoff amount would be processed and returned in accordance with applicable state and federal laws. 

They claim that a letter with my refund is " in the mail '', and was allegedly sent on XX/XX/XXXX. It is now XXXX  XXXX, 35 days later after the loan payoff, and I have not been reimbursed for approximately {$9000.00} which owed to me. Furthermore, they told me that if I do not receive it by XX/XX/XXXX, to call back ( that would be about 62 days ). Is  that within federal laws, and should I be allowed interest on the {$9000.00} as they would charge me if I were late in my mortgage payments? 

Their service is the worst, and they want you to reregister on their new website because they don't want to talk to you on the phone and actually say so on their reception recording. Their new website did not allow me to register allegedly because my loan has been paid off and therefore, I am not allowed to get any info on my loan. Really???
Product: Credit reporting or other personal consumer reports

Account Name : XXXX  Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account
Product: Checking or savings account

I have TD Beyond Checking account which has been opened for several years. In addition to the Checking account I also have two savings account. My checking and one of my savings is in my name alone and my other savings is joint with my husband. XXXX the total dollars on deposit is over {$200000.00}. 

On XX/XX/XXXX, we went to our local TD Bank Branch located at XXXX XXXX XXXX, XXXX XXXX PA to open a safe deposit box. We were told that based on the relationship and checking package that I have with the bank, I would be entitled to XXXX box, first year free and then 50 % off each subsequent year. They did not have a XXXX box available, and therefore had to settle for a XXXX '' XXXX ''. We were told that we would still get 50 % off the subsequent years because the box size was not available. Since that time we have been charged {$90.00} for the box without any discounts applied. About a month ago we visited the branch to access the box and inquiry on the discounts. We were told by the teller who was assisting the only Customer Service Rep that was on duty that day ( happened to be a manager ), that he was going to credit are my account for the discounts that I did not receive. The credit never was applied to my account. I then called their customer service number because it is always hard to speak to someone over the phone at the branch and explained everything to customer serivce. They reiterated that I am entitled to a 50 % discount on my safe deposit box and for me to go back to the branch as they could not handle the refund. I told them that I had already visited the branch and nothing was done and asked them to have the Branch Manager call my husband to discuss. No phone call was ever made to my husband. Today, XX/XX/XXXX I called the local branch and spoke to a woman and explained the situation. She was very snarky and told me that I would have to speak to XXXX, the manager, however he was on vacation until Wednesday XX/XX/XXXX. I told her that XXXX was supposed to call me and again in a snarky demeanor, she he was on vacation. I asked why she could not handle my request to which she replied that I would have to wait to discuss with XXXX the manager, again in a snarky manner. Unfortunately, I did not get her name.