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

In accordance with the fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, has violated my rights. 

This information is not only inaccurate but an extreme hindrance on my current journey. This is preventing me from getting a new credit card, qualifying for a new home or car purchase for myself and my family, as well as not allowing me to qualify for funding on my current business endeavor. 

15 USC 1681 section 602A states I have a right to privacy.

15 USC 1681 section 604 A : also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions, of crimes which antedates the report by more than 7 years.

15 USC 1681 s-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: Mortgage

On XX/XX/XXXX I submitted my application for Loan Modification assistance. My request for modification assistance has been under review. On XX/XX/XXXX I received a collection call from a representative at Nationstar Mortgage that said my request for modification assistants had been denied due to negative disposable income. She wanted to know what are my plans for the home since it is in foreclosure. I asked her why have n't I received a denial letter. She then stated it would be mailed. Today is XX/XX/XXXX and I still have not received a denial letter. Additionally I received a notice of a class action lawsuit XXXX Nationstar Mortgage LLC, Case No XXXX. This notice states that If I was charged for lender placed insurance by Nationstar ( which I was ) for your residential property this settlement will provide you with the opportunity to claim a credit towards what you currently owe the Nationstar Defendants if you did not pay but still owe the premiums for that LPI Policy to the Nationstar Defendants during the class period. XX/XX/XXXX - XX/XX/XXXX. Claims must be postmarked by XX/XX/XXXX. Here is the link for more information XXXXXXXXI told the representative that called on XX/XX/XXXX. How can Nationstar have accurate reinstatement figures if this settlement had not been taken into consideration? I still receive collection calls from Nationstar.
Product: Credit reporting or other personal consumer reports

Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : XXXX XXXX Inquiry Date : XX/XX/year> Creditor Name : XXXX Inquiry Date : XX/XX/year> Creditor Name : XXXX Inquiry Date : XX/XX/year> Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue.
Product: Debt collection

This company has illegally collected my personal information, through a hospital I never went to, and will not verify debt with a signed contract. There are two collections, one for {$1000.00}, and one for {$1600.00} for the same date of XXXX XXXX XXXX. I have contacted Central Financial Control at XXXX XXXX XXXX, as well as several phone calls to XXXX to get this collection removed from my credit reports. I 've disputed and received no response, nor a signed contract between myself, Central Financial Control, or any hospital. Yet somehow, on XXXX XXXX XXXX, they were able to report that I still owe this debt that is n't mine. Even if there was a contract with myself and the hospital, both companies violate HIPAA by receiving and distributing my personal information, including SSN, birthdate, and other identifying information. I got an account number for one, but I never got an account number for the other. When I called, I spoke with XXXX, and she gave me the most absurd runaround and bounced me between agents until one hung up.
Product: Credit reporting

refuse to investigate credit inquires that were not authorized Equifax claims that inquires are a factual record of file access a
Product: Money transfers

XXXX XXXX I sent my daughter XXXX dollars through my PayPal to hers. I did this while on the phone with her and she immediately received an email confirming I had sent XXXX dollars per PayPal. I assumed everything was fine since she got this email. XXXX XXXX, 2016 she calls me and has n't received this money in her PayPal account so I went online to check what my transactions looked like. I found that this money was sent to a XXXX XXXX PayPal account. called PayPal immediately and their response was it happens all the time because I used her telephone number to send the money and this XXXX XXXX has the same phone number on his account and I should have sent this per her email so that would n't happen again but nothing on their site says this is a danger and to use email account instead of phone number. I asked them to stop this transaction before my money got in his account and they told me it was to late they could n't do anything until this money was in his account. I talked to a lady named XXXX who is a transaction specialist she told me same thing and they were n't liable for this kind of transaction but she would email this XXXX XXXX via email and explain to him this money was sent to him in error and she would ask that he send the money back to sender which is me. she told me that if he did n't all she could do is do a chargeback on the money and go from their. My problem was that she said she would keep me informed and she would try to get this money back to my account if she could. I do n't feel like PayPal is doing anything to get this money back to me. I have received no emails from them about what is going on. I feel like I let them know we had a problem and before it was in his PayPal account. I just do n't understand why she received the confirmation email and the money went to the wrong account. I need help from someone to see what happened. and why they could n't get this money back to me. I cant help but believe that this XXXX XXXX found a way to copy my daughters phone number to get this money. i tried to email him myself and my message was returned to me reading that that email address was not a valid address.
Product: Credit reporting or other personal consumer reports

My personal information is inaccurate. Name, address, and employment information is in accurate. Please update my information.
Product: Debt collection

I am not liable for this debt with Portfolio Recovery Associates , LLC. The attempt to collect or sue for the debt is past the statues of limitation for my state, which is Virginia. I do not have a contract with Portfolio Recovery Associates , LLC. They did not provide me with the original contract that states I am in debt to them with my signature on it. If after reinvestigation under paragraph ( 1 ) of any information disputed by the consumer, an item of the information is found to be incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item as appropriate, based on results of the reinvestigation. Also according to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit without my permission. Please remove this item from my credit report.The statutes of limitations for XXXX of any debt has past.
Product: Payday loan, title loan, or personal loan

Ive been trying to have my bank account updated so that I can swiftly make any past due payments since XX/XX/XXXX. XX/XX/XXXX Ive replied to the email theyve sent me confirming my new account information as they had the incorrect information although a bank statement was provided. I have not received any emails, phone calls, or notifications about this nor has any of the information been updated to reflect the change of account and am still past due. It has been nearly 3 weeks and the account is past due and Im looking to have this issue resolved IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX I have XXXX hard inquiries on my credit report that I did not authorize. I also got some inquiries from when I went to a car dealership and applied for a car and was told my credit would be ran once instead my credit report was improperly use. They ran it multiple times, and I did not authorize it.
Product: Debt collection

Hi I have addition information regarding a former complaint XXXX. 
The erroneous information was deleted from at least 3 of the consumer reports. Thank you Lewis McDonnell and Associates. I sent Lewis McDonnell and Associates an Affidavit and an invoice. They did not properly respond to the affidavit. Please see attachments.
Product: Credit reporting or other personal consumer reports

Please remove these inaccuracies off of my report as they are negatively affecting my credit scores- resulting to a huge damage to my mental well-being and overall state of living.
Product: Credit reporting, credit repair services, or other personal consumer reports

I open a credit card with comenity bank on XX/XX/2021 till now I dont get my credit card and they are charging me i pay XXXX $ once the guy told me all my payment is XXXX $ know they are calling again to pay XXXX $ more because there was payment remaining but they never try to help me with my credit card and dont send me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/2017, I attempted to close this account on the same day that the account was opened. I contacted the company several times stating that the salesperson did not complete his end of the contract, thus rendering the contract null and void. 

I was told ( by several representatives ) that they acknowledged and confirmed my concerns. I was also told by these representatives that this account would be removed from Experian account.
Product: Credit reporting, credit repair services, or other personal consumer reports

A person that i do not know added me as an authorized user on their credit in capital one and has been using my credit in my name since XXXX. I do Not have any knowledge of this account and do not posses a credit card, also was never mailed one to my current address. I do Not have a credit account with this creditor. My credit dropped tremendously because of this. Please help.
Product: Bank account or service

1. Electronic Payments status is complete but the funds are not subtracted from the current balance creating an account out of balance condition. 
2. Some payments are completely removed from the account ( scheduled payments, completed payments and account details ) while in process resulting in an account out of balance condition.
Product: Student loan

I recently saw a new story and it mirrored my exact situation with Navient. I literally called yesterday trying to find a way to pay on my loan which has continued to climb and is now almost XXXX ... They have me on the forbearance plan when I am trying to get an income-driven plan to actually pay this down but I get XXXX luck with this at all. Then last night I saw this ( XXXX ) story and I needed to contact you to get on board with this. They told me if I am eligible for this " forbearance '' for 20 years that I would fall under the federal aid act and would wipe out my balance completely. Seems to me they are using people like myself as pawns to make a huge profit from our government in 15-20 years by killing consumers with interest.
Product: Mortgage

We initiated a refinance on a VA mortgage loan in XXXX of 2020. We were told it would take about three weeks.We provided documentation and signed disclosures on XX/XX/XXXX. 

The first round of documents requested from us were all provided within 24 hours. Any other request of us has been provided within the same ( 24 hours or less ) time frame.

It has been over 2 months now since we started the process. The individual who we are working with does not return emails or phone calls. I have called in to the company to complain for the 2nd time, and they are not providing a complaint system to me that is followed up. I would have expected a compliance department to contact me. When I called the general customer service number last week, I was told that our loan was approved, so I am just waiting for closing. 

I am afraid that this is all a scam at this point, and they have tons of our personal information.
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 and 15 USC 6802. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have 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 : 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, 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.

15 U.S.C. 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting or other personal consumer reports

This account is reported open and it should be closed there's a XXXX doller monthly balance the account should be closed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  card inquiries reflected on my credit reports ( Experian and XXXX ) twice on XX/XX/21 and XX/XX/21. 

XXXX  inquiries reflected on my credit reports ( Experian and XXXX ) three times on XX/XX/21, XX/XX/21 and XX/XX/21
Product: Checking or savings account

I opened a chime account. My husband, whom I had just separated from, sent my {$800.00} for half of my rent. 
As soon as that was sent to my account, Chime suddenly closed my account. 

They said I woild receive my money via check in the mail within 30 days. It has been 60.

On a phone call with Chime, I said, " I'll probably never see that money again. '' Guy on the phone said, " yep that why yoir account was closed. '' It has been abaout two months and I still do not have my {$800.00} check.

I also do not have documents to attach because they no longer provide support through email.
Product: Debt collection

I am writing to formally lodge a complaint against [ Name of Credit Collection Agency ] for attempting to collect a debt without providing proper validation, as required by the Fair Debt Collection Practices Act ( FDCPA ).

Details of the Complaint : Account Information : Alleged Debt : [ Brief description of the debt, e.g., credit card, medical bill, etc. ] Account Number : [ Insert, if available ] Timeline of Events : On [ date ], I received a collection notice from [ collection agency name ] claiming I owed [ amount ].

On [ date ], I sent a written request to the collection agency, requesting validation of the debt under FDCPA Section 809 ( b ). I requested documentation proving the debt 's validity and their legal authority to collect it.

Agencys Response : Instead of providing validation, the agency continued to contact me via [ e.g., phone, letters, emails ] and even reported the alleged debt to credit bureaus, causing harm to my credit score.

To date, I have not received any documents proving that I owe this debt.

Violation of Consumer Rights : The collection agency has violated my rights under FDCPA by failing to validate the debt and continuing collection efforts.

Resolution Sought : I respectfully request that the CFPB investigate this matter and take the necessary actions to ensure : The collection agency ceases all collection efforts until proper validation is provided. 
Any negative reporting to credit bureaus related to this unvalidated debt is removed. 
The collection agency will comply with FDCPA regulations in the future. 
Supporting Documents : I have attached copies of the following for your reference : The original collection notice. 
My written request for debt validation, dated [ date ]. 
Any correspondence received from the collection agency. 
Thank you for addressing this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a collection for the amount of {$700.00} under the name XXXXXXXX XXXX that I won a judgment against and was closed. But now that same debt is showing up on my credit report under a new name as XXXX XXXX. This debt I already won a judgement against and had removed from my credit report and now this same debt is showing up as a new account name. This is illegal
Product: Payday loan, title loan, personal loan, or advance loan

Referred to XXXX XXXX by pool builder XXXX XXXX  XXXX, XXXX. XX/XX/XXXX I go online and applied they offered low veterans as low as XXXX rates. I received conditional approval email XX/XX/XXXX. I uploaded docs and it was confirmed XX/XX/XXXX. Which I can not access this info on the site havent been since beginning. Lots of various emails showing attachments but there werent any attached. When I do get info of terms etc, it was in correct and or I could never get a straight answer. I asked numerous times what the interest rate was going to be. Finally I receive an email XX/XX/XXXX stating XXXX XXXX issued final approval but no loan docs attached. XX/XX/XXXX I receive email from XXXX XXXX no attachment a pasted doc to confirm info, its incorrect also theres a {$750.00} fee and interest rate at 13.99 % at XXXX  months. I contact about the interest rate and that Im not signing until things are agreeable. XX/XX/XXXX rec email from XXXX with different figures, TERM IS NOW XXXX  MONTHS. ( 240 MONTH OR MORE IF LOAN WAS OVER {$50000.00} ) still 13.99 % which on XXXX XXXX site showed as low as 4.9 % veterans rate. But I see that the loan company says XXXX XXXX. I call, I email etc leave messages and no response many times. 

Also I had numerous inquiries done by this company XXXX the rep when i asked why i was not given the 4.9 % she said my XXXX was not high enough I have the document my they ran twice in XXXX day score XXXX XXXX day and XXXX the other day. Needed XXXX for the lower rate. They just XXXX people over, I had no debt, money in the bank etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  IS STILL REPORTING 30 DAYS PAST DUE FROM XXXX THAT CAN NOT VERIFIED, JUST REPORTING A 30DAYS BECAUSE XXXX IS SAYING I WAS LATE BUT NO DOCUMENTS CAN SHOW OTHERWISE SECONG VIOLATION THE FIEST WAS DATA BREACH. THIS IS THE COMPANY YOU TRUST WITH YOUR INFORMATION!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I joined XXXX XXXX to find out that I had a {$96.00} outstanding debt from XX/XX/2011. I disputed the amount since I did not know about it. After disputing it with both XXXX and XXXX. XXXX  dropped it from my report and XXXX left it on my credit. The company in question : PROFESSIONAL CREDIT PO BOX XXXX XXXX, MN XXXX ( XXXX ) XXXX The above agency contacted me after I disputed the amount and wanted money. I told them to send me a copy of the bill and I would review it and pay if I thought it was right. I also stated I would not just send them money not knowing what it was for. I never received the statement or bill from this agency. After a month I did not recieve anything so I filed another request to XXXX to inform them that this needs to be investigated because I have received no information regarding this bill. Again they left it on my report and the same company contacted me wanting money with no documentation. I stated to them that I will not pay for this without documentation and that they need to remove it from my credit report because I have never received documentation for this bill. They stated that is not how this works. Another month has gone by and I still have not received any paperwork for this bill. They have updated XXXX and stated it is still due. Attached is the only information I have ever received which is off my credit report. Professional Credit has never sent me ANY documentation on this bill even after I have asked for it twice and told them I am disputing it.