23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was foreclosed on twice once inXX/XX/2013 I tried to get help from a modification and was denied plus told that I didn't meet criteria when I did then after I finally finished paying XXXX to keep home they started doing shady things to my loan, they quit sending me statements, they changed my loan number witch is secured by the note in witch it was first signed and started, also they held mortgage funds I paid and put them on interest instead of principal witch thru me into foreclosure again i want to see that my pain and financial pain is not gone without true justice and i haven't seen one check that supposedly is being sent to all victims that were not granted modifications, please help me!!! Thank you XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX, XXXX, XXXX and XXXX is reporting on my credit report a collection that claims I owe no debt to. I have no contract with this creditor and have no information about this said debt.
Product: Checking or savings account

This Bank FNBO is terrible! Stay away from them! I had submitted a business application for a credit card in XXXX and I have excellent credit. They asked for all documentation which I provided. Then they said they approved me for a credit card. A few weeks later I received it and activated and started using it for my e-commerce business as mentioned. I only put about $ XXXX into it which I immediately paid off the balance. After that I was no longer able to use the card. They gave me NO notice and I had to call in several times! I spent dozens of hours on the phone trying to find out, one rep told me I was getting a new card shipped while another said it was closed. Then they said they needed further verification via notarized docs of my sensate info which I spent a day out of my way to go get my ID SSN and tax documents notarized to send. I come to find out that they closed my account without any real reason and still made me jump through all these hoops. I am very upset and would report this company for misleading and fraudulent business activity. I am disgusted at FNBO. And now I am left with inquiries on my report as well. Just ridiculous
Product: Credit reporting, credit repair services, or other personal consumer reports

This my written dispute to CFPB against Transunion. 
On XX/XX/XXXX I sent Transunion a dispute via XXXX certified mail XXXX XXXX XXXX XXXX XXXX XXXX and they received it XX/XX/XXXX. 

Transunion never disputed the unauthorized hard inquiries on my dispute letter. This negative information is causing me to get rejected for bad credit. 

I have attached photos of dispute to validate my dispute to Transunion
Product: Checking or savings account

On XX/XX/2021 Bank of America froze my account because I received a check from FEMA. The amount was XXXX. They froze my account because it came under my daughters name. I have tried to complain about my money to Bank Of American. I went in person and I called. But its always the same response we cant do anything it the banks rules. It has been 2 years but Im still going to keep fighting for my mom because it is money from the state. I suffered from the hurricane IDA and its not fair because they have the money and they dont want to give it back. I lost everything in my house.
Product: Credit card or prepaid card

Kohls sent me messaging stating that to not have my Kohl 's Charge Card be transferred to a Capital One Credit Card, I needed to call a phone number and opt out. I opted out via their process via the date required. I had a XXXX dollar balance upon the time that I opted out and maintained a XXXX dollar balance through the process. The issue is now Capital One went ahead and opened the account, and is sending me billing statements for an account that I have already opted out of. I also did not approve of my information being shared with Capital One and they now have my social security, etc information that was given to them by Kohls. Kohls should have just closed my account by the opt out deadline and not shared my information and Capital One should have never opened the account fraudulently.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair credit reporting act Account # 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I pulled my credit report after trying to obtain loan for educational purposes and was denied due to account on my credit report. I have never applied for credit nor entered any type of signed agreement of any kind with this company. I would like this account removed immediately from my credit report. It is incorrect and I would like to know who granted them access to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

WAS NOT MADE AWARE OF MY RIGHT TO OPTING OUT BY THE BUSINESS
Product: Debt collection

Today, XX/XX/XXXX at XXXX Received phone call today Evergreen debt collection XXXX alleging unpaid medical debts from XXXX. 
Amounts under {$11.00} several totalling less than {$50.00}. One for XXXX cents. 
Never have had original creditor notify me of debts owed and never received documents detailing debts in over 4 years. 
Asked for details of debt to dispute charges by mail ie An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date of occurrence and was told they don't provide that. 
I cited state law and was again told no, they will not provide details only balance due. 
I disputed over phone and asked to be contacted by mail only no longer receiving phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

7 years ago, someone hacked my credit and stole my identity posing as me but without my full legal name ... I have written to all 3 credit bureaus and repeatedly they have showen negligence in removing fraudulent items from my report. My initial letters, police report listing fraudulent items & FTC affidavit were mailed to them XXXX,2017. It has been over 45 days, the legal amount of time they have to investigate the items. The following items are still fraudulently being listed on my credit report under Experian and Transunion. No legally required notorized verification was provided to me showing that these items are mine nor proof from the lenders, which is required to be sent in the 1st 45 days of a dispute and then the bureaus must be sent to me with notorized proof they are mine. Neither of these have been done. I would like these items removed. See the following :
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that I am exercising my rights under Fear Credit Reporting Act section 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a detailed description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and the address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 
I am seeking a detailed ''METHOD OF VERIFICATION " as it pertains to a XXXX XXXXXXXX XXXX account that is currently reporting on my credit report. The account number for that account is XXXX... .... 
In compliance with the method of verification request, please provide the following. The description of the procedure used to determine the accuracy and completeness of information. 
. Name, address and telephone number of each person contacted regarding this alleged account. 
. Copies of any documents bearing my signature showing that this account belongs to me and that I opened this account and kindly provide statements showing all the payments made on this account. Any automated response or E- Oscar verification is unacceptable. I am requesting your method of verification that you used to prove whether or not XXXX XXXX XXXX  is reporting on my credit report accurately. 
I expect to receive a response within 15 days of receipt of this letter in compliance with the Fair Credit Reporting Act. If not, I expect that XXXX XXXX  XXXX be removed from my credit report immediately. A similar request was sent to you in XX/XX/2021 and it was ignored by you. If my request is ignored again then I will be forced to take legal action so as to get this matter resolved.
Product: Credit card or prepaid card

Due to XXXX I was not employed but I have payed the credit card back in full. This credit card should not be reporting as charged off as this credit card is closed and payed in full. The CARES Act. The Act requires lenders to report to credit bureaus that consumers are current on their loans if consumers have sought relief from their lenders due to the pandemic.
Product: Debt collection

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. XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against this credit reporting agency for persistently reporting inaccurate information despite my repeated attempts to dispute and correct the errors. The credit reporting agencies actions have violated my rights under the Fair Credit Reporting Act ( FCRA ) and I am seeking your assistance in rectifying this matter. I have been diligently monitoring my credit reports and have noticed that they are continuing to report inaccurate information regarding my credit history. Due to this inquiry leading with a determination of no credit loan being exchanged or extented to me. Violates my rights under the constitutionals rights 15 U.S.C 1681 ( n ) - Civil liability for willful noncompliance, 15 U.S.C 1681 ( o ) - Civil liability for negligent noncompliance. 15 U.S.C 1691 ( a ) ( 1 ) ( 3 ) - Scope of prohibition Promptly remove all inquiries relating to ONEMAIN FINANCIAL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Address identification number XXXX DATES RELATED : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX , FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much XXXX which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTM OF AN IDENTITY THEFT, AND I HAVE SUBMITTED MY IDENTITY THEFT REPORT TO EXPERIAN AND I AM REQUESTING THE FRAUDULENT ACCOUNTS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY. I HAVE NEVER AUTHORIZED THESE ACCOUNTS TO BE REMOVED, I NEVER AUTHORIZED THE CHARGES. I AM A VICTIM, WHAT PART OF BEING A VICTIM IS A JOKE TOT EH CREDITORS AND TO EXPERIAN. THE AGENT FROM EXPERIAN REFUSES TO FOLLOW THE 605B 10 U.S.C. & 1681c-2 ) WHICH MEANS THAT THE BUREAU NEEDS TO BLOCK THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT.
Product: Checking or savings account

On XXXX XXXX I noticed a XXXX payment around XXXX dollars on my chase account I didnt make. I had lost my phone so I think thats how they did it. My daughter has my email account on her phone so she saw the alert and I called right away to let them know it was fraudulent but the rep said the fraud department was closed for XXXX and all he could do was just freeze the account. He told me to call on the next business day. I called and the fraud department said it was too late to stop because it had already gone through. I had called right away, I did my part. They are the ones that werent available. They then sent me a letter saying that they dont believe the XXXX was fraudulent even though they had to change my username and password to the account and basically make it new. I am extremely upset, this is the first time chase has let me down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested for an through investigation to be done on my consumer report and noticed inaccurate information reporting has not been corrected. I've included certified mail receipts Experian # XXXX XXXX # XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information reporting on my Equifax credit report
Product: Debt collection

On XX/XX/2020 I wrote a certified with returned receipt letter to Merchants Credit Guide in reference to a bill for the amount of {$1300.00}. As the Fair Debt Collection Practices Act ( FDCPA ) they are not allowed to report this to the credit bureaus until I verified this account. 

My credit report is showing an unverified and invalidated information for the amount of {$1300.00}. As under the Fair Debt Collection Practices Act ( FDCPA ) and the Health Insurance Portability and Accountability Act ( HIPAA ) they are in violation of the act. 

I never received a letter of verification with my signature on it from Merchant Credit Guide to pay them. In addition I requested them to provide me with patient 's authorization signed by me from XXXX XXXX XXXX. Instead they sent me a an itemized bill/charges with all the XXXX information included. Attached you will find what it was sent to me in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called about obatining a free credit report form all three credit agencies on XX/XX/XXXX. I spoke to a representative and told him about the e-mail breach scandal that was in the newspapers in XX/XX/2020 about XXXX XXXX in XXXX  ( my former employer ) and another hospital. I was one of several victims in that breach. He empathzed and tried to get me to do the request online. I told him several times that I was having issues with internet and phone ( which are tied together ) at home. He processed the requst for alll three credit reports. I got 2 of 3 reports 10 days later ( Equifax and XXXX ). The information on both are incorrect. The Equifax page 1 and 2 has may last name incorrect ( XXXX XXXX not XXXX XXXX ). Second part of the report page 3 and 4 1 ) does not list proper government id for validation 2 ) 2 addresses are incorrect 3 ) employment history : worked for 4 company since what this fraudulent document is stating ; also it reports employer as XXXX XXXX when it should be reported as XXXX XXXX or XXXX XXXX XXXX. On page 5, there are two hard inquries for Equifax in two different parts of XXXX. I lived in XXXX for 7 years and I remember it being located in just XXXX. I tried to call Equifax to speak to a live reprensentative, but the IVR kept it all automated. I checked the time on docuement which shows they shuldbe opened. But looking back at XX/XX/XXXX, I realized I called after hours and got a representative for Equifax ( called at desk phone after work ( XXXX ) ).
Product: Student loan

My goal is to get a refund of {$10000.00} of the voluntary payments I made in XXXX starting XX/XX/XXXX totaling to {$15000.00}. My servicer during that time was XXXX XXXX. Supposedly the day I called to get a refund, XXXX had started the process of transferring my paid in full account to Aidvantage. Starting in XX/XX/XXXX, my account did not exist with neither XXXX nor Aidvantage for months as I continued to call. Only today, XX/XX/XXXX have I been able to register my account. Now, as I called today, I am informed that while my account is now established with Aidvantage, they still can not process the refund since they do not have the payment history from XXXX XXXX. They were not able to give me a specific time window which I could expect this process to be complete. I am concerned about how long this process will take after having waited XXXX months already for action on their part. Aidvantage has refused to accept my bank statements as valid proof of payment to XXXX during the loan deferment of XXXX.
Product: Checking or savings account

I had a rental advertised on XXXX.I had a person named XXXX XXXX apply to rent it.He gave me a XXXX XXXX check for {$1000.00} to hold it, he had an unlawful detainer on his record so I denied him rental.He then got a friend/employee of US Bank, my bank, to illegally access my US Bank account on two different dates, XXXX and XXXX XXXX, confirmed by my home bank manager, XXXX XXXX of US Bank XXXX , NV . The employee who illegally accessed my account is XXXX XXXX, XXXX branch of US Bank in XXXX XXXX, the employee/friend of XXXX XXXX, he gave the person off of XXXX my physical address off my personal checks, I confronted the employee directly and he lied to me about accessing my account, even though I already knew where and when he did and started sending me condescending, baiting emails when I told him how dishonest he is.Now the person off of XXXX is sending me threatening letters, stalking me etc.I am now putting my home up for sale and I am scared to death.This is multiple violations of the Ca. financial privacy act.
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX, my account was temporarily limited, i submit the documents needed. then on XX/XX/XXXX, they restored my account, the same day they limited my account again for the second time, then i submit the documents they requested. they restored it again for the second time. on XX/XX/XXXX, I ask my client for the payment, i received the payment for the first time but it is on hold for 21days. because according to paypal. my account was new and need to have have 10 transaction and XXXX amount for the first 60 days, this is not the problem, i understand the policy, but it didnt take 21 days, after my first transaction. and they permanently limits my account. no dispute, no changes made on my account. Until now, i dont know what is wrong and what policy I didnt follow.
Product: Credit reporting or other personal consumer reports

According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that. Also according to 15 USC 1681 s-2 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. This is violation after violation after vi
olation. This is causing me stress because I have no hope with this system
Product: Credit reporting 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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. 16815-2 ( 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 or other personal consumer reports

My credit report has been pulled up by these companies without my permission and consent and this has hurt my credit and credit score. I have contacted Experian and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me XXXX  for I might be already a victim of XXXX XXXX adding unnecessary stress to my life on top of hurting my credit score.
Product: Credit reporting or other personal consumer reports

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. XXXX OF XXXX XXXX Per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within XXXX days.
Product: Debt collection

Approximately 7-10 times a day TD bank calls my phone. Leaving misleading and false messages about charges. Untrue talents about charges made. Incomplete voicemails. And will not stop calling excessively. This has been going on for weeks now. XX/XX/2024 they were told a final time to stop harassing me for the second time. And the very next morning they called again. I have attatched a few screen shots of the calls from multiple numbers. Including the 41 second call where they were told the second time to stop calling and harassing me. I have far too many to upload as the volume of calls is over a somewhat extended period of time now. Can provide additional if needed