23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Debt collection

APPLE CARD - GS BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$6800.00} I called this company, they did not response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX, XXXX & XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXX, XXXXXXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, these accounts has violated my rights according to 15 U.S.C 1681 Section 602A states I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX sent me a email that I needed to take action. I immediately pulled my credit report and saw a outrageous amount of items that were opened under my social security number. Its upsetting that anyone would all these things using my information. These fraudulent items are not mine. 

DEPTEDXXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX {$4500.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$13000.00} DEPTEDXXXX XXXX {$6000.00} DEPTEDXXXX XXXX {$2200.00} DEPTEDXXXX XXXX {$4500.00} XXXX XXXX {$4500.00} XXXX   XXXX {$6000.00} XXXX XXXX XXXX XXXX {$470.00} XXXX/XXXX XXXX {$5500.00} XXXX  XXXX {$4500.00} XXXX XXXX XXXX {$57.00} DEPTEDXXXX   XXXX {$1700.00}
Product: Prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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> I submitted these disputes and they were denied so I know there wasnt a proper investigation
Product: Credit reporting or other personal consumer reports

Equifax, keeps reporting XXXX XXXX XXXX  account that it's open but the account was closed in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Loan was transferred, Seterus Inc. would not honor the terms, denied being the servicer, found it after 8 months, costing me greatly in legal fees, then told me I had to pay over {$14000.00} in a lump sum. Somehow {$70000.00} has been added to my mortgage, going up from, {$120000.00} to {$190000.00} ... ..last statement was handwritten. I feel that My civil rights have been violated, a direct violation of the 8th amendment. I believe that punitive damages are in order
Product: Payday loan, title loan, or personal loan

There is a online company called speedy cash I think that's the correct name. Anyways, I have noticed a collection for this company for over XXXX dollars. I did not apply for this loan. I am starting to think someone else did or stole my identity.. Furthermore, I recently found out they were taking payments out of my old checking account that I did not aurthorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, FIFTH THIRD BANK add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written auth orization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was overlooking my credit report and noticed some misinformation on it. I noticed a credit card was opened in my name using my information somehow. I never gave anyone my information or permission to use it this was not me.
Product: Checking or savings account

Someone hacked my bank account. Made deposits with checks from a company and left my account at XXXX. I had just got paid from my job in which was around {$900.00} through direct deposit and the bank didn't let me get my check at all. I filed a police report. I gathered all evidence on where I was at that day and how my signature is and how I hadn't gone into the bank to take money out. They didn't " allow '' none of my evidence. I need help!!!!
Product: Debt collection

Repeated phone calls harassing me as Ive told them I do not have the funds. Currently struggling to pay bills and its adding more stress
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen I dont know how it happened. I have all the dates, account numbers, and amounts for the fraudulent accounts in a document attached here. I called the attorney general, the companies, credit bureaus, and no help. The attorney general told me to file a complaint here so hopefully someone can help me because this is crazy.
Product: Payday loan, title loan, or personal loan

I did a home improvement and it was financed through GreenSky. I have since learned that their practices in Georgia were illegal and that the loan which was approved in my living room and went directly to the merchant was an illegal practice. This loan originated in XXXX of XXXX  for the amount of {$15000.00}. The merchant was XXXX XXXX. According to your agency GreenSky was fined and ordered to repay customers. I believe I was also a victim of these illegal practices and want to find out if I have any recourse. 
Account XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX And Eastern Accounting System submitted a false workers comp statement to the credit bureau for {$200.00} which made my credit score drop 92 points. I tried contact both companies to remove the inarticulate information for my credit file. Workers comp bill should not be sent to collections and I also never received any written letter from XXXX XXXX or Eastern According System. The federal Fair Debt Collections Practices Act prevents debt collectors from engaging in abusive, deceptive or unfair debt collection methods. This method was unfair and it damage my credit.
Product: Checking or savings account

I was XXXX  XXXX and during that time my debit card was used to steal my veterans compensation deposits on XX/XX/2020 and XX/XX/2020. Over {$4000.00} was taken and Navy Federal denied my first claim automatically due to the amount of money involved. I submitted all info requested including a letter from the XXXX  stating my XXXX  dates and also the police report I took out due to the theft. I was denied a second even though I submitted clear and overwhelming proof that it was an unauthorized user and not me withdrawing the money. I was in XXXX and there is no way I could have made the transaction yet navy fed still denies my claim.
Product: Student loan

I 'm not understanding the interest on the balance ... the amount is more than what I was told and I 'm not seeing a decrease with my payments.
Product: Bank account or service

Wells Fargo authorized and paid a POS transaction from my account. This over-drafted the account and I was assessed an overdraft fee. Additionally, a subsequent charge was authorized, paid and an overdraft fee assessed. 

I have not opted in to overdraft protection with Wells Fargo making this is a violation of the " opt-in '' requirement rule instituted in 2010 that requires that consumers agree to overdraft protection in order for a bank to be allowed to charge over-draft fees. The proper response to the pre-authorization request would have been to decline the authorization. 

I demanded the over-draft funds be reversed on Friday but have gotten no response. 

I am filing this complaint because this is not the first time Wells Fargo has assessed overdraft fees in violation of the opt-in rule. I believe there is a systemic practice of charging these fees knowing that consumers are not aware of their rights and as a result will not seek to have them reversed. 

Additionally it appears that Wells Fargo may have recently updated it 's overdraft protection service and automatically opted me ( and I am assuming other consumers ) into the program without the affirmative consent required by the opt-in rule.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly that I am 120 days past due on XXXX XXXX partial account number XXXX. ( Please see page 36 attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Student loan

Two months ago I reported to Navient that my loans reported to the credit agencies as increasing, when my interest rates should be frozen until XX/XX/2021. Again this month my score dropped due to my interest rates increasing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX has not ceased in their action to report factual information on my credit report. 
Experian, XXXX and XXXX, said accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX, were all accurate. A complaint was filed in XXXX XXXX for removal of late fees With Experian XXXX and XXXX These Agencies are not following FCRA Laws under Section USC15 1681A 2 ( e ) However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
Experian XXXX and XXXX, has stated that according to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX The late fees on my Credit report is correct. According to FCRA Consumer reporting agencies should not report factual information. These must be removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a membership with Experian and My Fico. Experian is reporting my Fico 8 score as XXXX. This information was updated on XX/XX/2021. My Fico is reporting my Fico 8 score as XXXX as of XX/XX/2021. I contacted both agencies about this discrepancy and My Fico is claiming that Experian hasn '' t provided them with an updated score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

I was the victim of a " Bitcoin '' scam though not all money was sent via bitcoin. The loss totals {$1900.00}. I contacted my bank to let them know that I was a victim of a scam and filed a dispute with Chime. I filed a police report at my local PD and filed a report with the FTC. The investigation was said to take 30 days and they took only two. They denied my claim before I was able to provide screenshots of messages and emails and my FTC complaint. I will now be filing a report with the FBI providing email addresses, phone numbers and social media messages to help locate the scammers. My bank, Chime, as again denied my claim of fraud.
Product: Checking or savings account

XX/XX/2019 PAID an over draft fee of {$40.00}. Was only notified via email, which was not the best way of contact to me. 
XX/XX/2019 was notified my account was permanently and quickly closed and sent to collections. Fees during this time were accumulated totaling for a total of {$280.00}.
Product: Debt collection

I have received written correspondence from XXXX, XXXXXXXX XXXX XXXX, XXXX. with a XXXX rating of XXXX stars. I do not have any business dealings with this company. 

I am writing regarding your recent correspondence about a debt you ( XXXX XXXX ) claim I owe. To clarify, I have no dealings or signed agreements with your agency, nor do I wish to conduct business with you. Furthermore, I have previously requested to solely deal with XXXX XXXX XXXXk and LVNV Funding regarding this matter, yet your agency has failed to respect that request. 

In XX/XX/scrub> XXXX I filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against XXXX XXXX XXXX In response, XXXXXXXX XXXX XXXX provided the attached correspondence, which stated that I should direct any questions or concerns to them directly. 

In XX/XX/year>XXXX  I exercised my right to deal with the original creditor by mailing a money order to XXXXXXXX XXXX XXXX XXXX XXXX XXXX  cashed the money order on XX/XX/scrub> XXXX XXXX as evidenced by the attached documentation. If XXXX XXXX XXXX no longer has a financial interest in this account, why did they cash the money order? This raises serious questions about the validity of this debt and your agency 's right to collect it. 

To ensure clarity, I request that you provide the following information to validate the debt you claim I owe : 1. Proof of your legal right to collect this debt, including documentation of the transfer or assignment of the debt from XXXX XXXX XXXX to your agency. 

2. The original creditors name and address.

3. A detailed breakdown of the alleged debt, including any fees, interest, or charges.

4. An explanation as to why I was not provided with a receipt or acknowledgment when the money order was received.

Until I receive the requested validation, I demand that you cease all communication with me except to provide the information above. 

This letter is not an acknowledgment of the debt but a formal request for verification. Please direct all future correspondence to me in writing at the address listed above. 

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

Dear CFPB, I am writing to formally lodge a complaint against Transunion regarding unauthorized credit inquiries that have appeared on my credit report. Despite my efforts to resolve this matter directly with Transunion, the issue remains unresolved. 

The following unauthorized inquiries are listed on my credit report : XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX These inquiries were made without my knowledge or consent and are fraudulent. I have provided Transunion all necessary documentation to demonstrate that I did not authorize these inquiries, and I firmly believe they are the result of a data breach. 

It is important to note that my credit profile was frozen at the time these inquiries occurred, further underscoring that I could not have authorized them. Despite this, Transunion has failed to take appropriate action to remove these fraudulent inquiries from my credit report. 

Transunion 's refusal or failure to investigate and resolve this issue has caused me undue stress and potential damage to my credit profile. I am requesting that the CFPB investigate this matter and ensure that Transunion complies with the Fair Credit Reporting Act ( FCRA ) by removing these fraudulent inquiries and improving their processes for handling consumer disputes related to unauthorized activity. 

Thank you for your attention to this matter. I trust the CFPB will act to hold Transunion accountable and protect consumers like me from unauthorized and fraudulent credit reporting practices. 

Sincerely, XXXX XXXX
Product: Debt collection

Just called me 5 times within a one hour period on XXXX XX/XX/year>. 
This is harrassment and would like to pursue violation {$1000.00} dollar fine per violation since I finally had to block their number.
Product: Mortgage

We have two different problems. 
The first problem is that our mortgage company changed hands in the beginning of us dealing with losing our home in Hurricane Irma. Because our old mortgage company had already put us in forebearance for XXXX, XXXX and XXXX our new mortgage company accepted those terms. We would like to pay our account up to date but despite numerous phone calls to them asking them to remove fees on our account that are bogus so we can pay up to date they have done nothing. On XXXX XXXX? our account is charged 10 times each a fee of {$1.00} and {$9.00}. When you click on details for this fee there are none. No one knows what those fees are for. We are not supposed to be charged any fees while going through forebearance and refuse to pay our account up to date until our account is fixed. 

The second problem is that our new mortgage company was sent checks from our insurance company for repairs to our home. They were overpaid by over {$13000.00}. By law they are supposed to send that overage to me. I was told this by a person in Loss Draft handling our account, our insurance company says they have cashed the check but 3 weeks later they still owe us {$7500.00} acknowledging that in a phone call but having no reason as to why they havent sent it even though I was told it would be sent by XXXX XXXX immediately. Also their insurance claim website says that we are supposed to receive 25 % of our check to help start repairs which is around {$12000.00} and so far have only received a little over {$2000.00}. We had an inspection where the inspector verified that at least 75 % of our work has been done and the inspection was approved but we still have not received funds to pay our builders, etc. I have been having to put these charges on my credit card and cant keep doing this. Something illegal is going on in this company with them keeping our money. 

On the mortgage side no one bothers to fix our account so we can get it up to date so I dont know if they are trying to do something illegal and maybe get a hold of our house since we only owe {$47000.00} for it and it 's worth {$370000.00}. I 'm not sure if this company is on the up and up. We went through damage with Hurricane Mathew too and got the best customer service from XXXX XXXX and have no idea why I mortgage changed hands unfortunately to a very bad company and possibly illegal and dishonest company. I have contacted an attorney who first told me to file with you.
Product: Debt collection

I have an unverified account from ENHANCED RECOVERY. I had previously disputed this account. I have never done business with ENHANCED RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA )  15 U.S.C.1692g,  I dispute the validity of the debt purport I owe. I request that ENHANCED RECOVERY provide verification of the following  : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for  any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.