23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I submit the application online for new check in acct, I got a message saying I need to call the XXXX number, I called spoke to XXXX XXXX, I am asked to send my identification, I send it. Then I am told I need to go to the branch. 
Is this bank serious? What type of service is this? Is this how XXXX treats its customers? Or prospectives? 
Its unacceptable. 
Ive open with several banks in diff years, never had this issue. 
I want the bank to correct it and let me open it virtually. There is no reason why it should be other way. There why you have a process to send documentation.
Product: Debt collection

XX/XX/scrub> 2024 : This Visa debt is XXXX years old and was purchased by XXXX. The debt is for less than {$3000.00}. Either XXXX or a third party called me and left a legal message. They said they are filing a case in XXXX XXXX. Then they called my ex-husband, leaving the same message. We have not been married or spoken for XXXX  years. They should not contact him for anything. That cant be lawful or ethical. The message they left, for my ex-husband, included my address. This is obscene. There is a history that exists, whereby he should not have my address. Not safe for me. 
Their number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called them. They have my name incorrect. I have never been XXXX XXXX XXXX. XXXX hasnt been my last name for XXXX years. They demanded I confirm my date of birth and last 4 of my social before telling me any info. I told them they shouldnt call someones ex-husband but they claimed we were connected. We are not connected in any way whatsoever. I confirmed that I was aware of this XXXX year old debt and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Health Care facility along with XXXX XXXX XXXX has violated my Health Insurance Portability and Accountability Act ( HIPAA ) Privacy rights.They are in Breach of Notification Rules or the Patient Safety Act and Rule. I did not give any consent to share my Personal health information. Why has this comapny frivolusly reported multiple accounts more than 5 times on my credit file with no consent. Along with violating my HIPAA rights, they are violated my FCRA rights according to the law 15 usc 1681. 
The accounts that are in violation are : XXXX XXXX XXXX Acct # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. 
Allied Collections Service Acct # XXXX. 

Why has this been able to happen?
Product: Checking or savings account

I received a numerous amount of overdraft fees taken from my account by navy federal
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account XXXX XXXX XXXX XXXX Account XXXX  : XXXX count XXXX : XXXX  Account XXXX : XXXX Account XXXX : XXXX Account XXXX : XXXX Account XXXX : XXXX XXXX Account XXXX : XXXX Account XXXX XXXX XXXX XXXX  Account XXXX : XXXX Account XXXX : XXXX XXXX Account XXXX XXXX  XXXX Account XXXX : XXXX XXXXXXXX Account XXXX XXXX XXXXXXXX Account XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if. after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately :
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX SSN : XXXX D.O.B : XXXX XXXX Contact : ( XXXX ) XXXX XXXX Re : Disputing Inaccuracies on My Credit Report TransUnion XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX To XXXX it XXXX concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I have lived at Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX for 8 years and I have never lived in these addresses reported on my XXXX report. Also the my name isnt corrected as well my name is XXXX XXXX XXXX Please consider this a formal request to investigate and correct the following ( XXXX ) inaccurate addresses on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant XXXX15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. As required by the XXXX, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. XXXX Duties of users of consumer reports regarding address discrepancies. The following addresses listed below : XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, LA XXXX XXXX. XXXX XXXX XXXX, XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX, GA XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, Ga XXXX Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$24000.00} XXXX XXXXXXXX Balance : {$4.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXXXXXX Account XXXX This is so unfair and deviant from Standards! - 18 U.S. Code 1028A - Aggravated identity theft. DELETE! 

XXXX Account NumberXXXX This is so unfair and deviant from Standards! - 18 U.S. Code 1028A - Aggravated identity theft. DELETE! 

XXXX XXXX Account NumberXXXX  This is so unfair and deviant from Standards! - 18 U.S. Code 1028A - Aggravated identity theft. DELETE! 

XXXX XXXX XXXX Account NumberXXXX This is so unfair and deviant from Standards! - 18 U.S. Code 1028A - Aggravated identity theft. DELETE!
Product: Credit reporting, credit repair services, or other personal consumer reports

UPDATE TO CLAIM # XXXX UPDATE TO CLAIM # XXXX UPDATE TO CLAIM # XXXX CAPITAL ONE IS IN WILLFUL VIOLATION/ NEGLEGENCE AND NONCOMPLIANCE under its fiduciary duties as a FINANCIAL INSTITUTION under the Regulations of the CFPB and 12 CFR 1016.15 ( 1 ) -- 12 CFR 1016.7 -- 12 CFR 1016.10 -- - 12 CFR 1016.4 -- 15 USC 6802b  ( B ) ( C ) -- 15 USC 6803 -- 15 USC 6804 -- 15 USC 6801. XXXX has claimed they will not honor my direction to cease reporting and have referred to there alleged Privacy Policy giving them the authority despite their obvious failure to meet the requirements of a FINANCIAL INSTITUTION under these provisions.
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.

There shouldn't be any payments or late payment reporting on my report 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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.

15 U.S. Code 6801 ( a ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

16 CFR 433.2 NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
Product: Credit reporting or other personal consumer reports

Dear WFC, I am writing to formally address a serious violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as the relevant laws governing identity theft and credit reporting in XXXX XXXX XXXX MO. 

It has come to my attention that WFC has engaged in unauthorized reporting to my credit report without my explicit consent. Under federal law, specifically the FCRA, the consent of the consumer is a mandatory requirement for such reporting activities as stated in Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law, particularly under the Missouri Revised Statutes, emphasizes the necessity of consumer consent for credit reporting. The Missouri Fair Credit Reporting Act outlines similar protections, ensuring that consumers are not subjected to unauthorized reporting. Furthermore, XXXX identity theft laws highlight the seriousness of unauthorized access and misuse of personal information. 

I assert with absolute certainty that I have not provided consent for WFC to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, potentially damaging my creditworthiness and showing a disregard for both federal and state laws. 

I demand that WFC immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state laws. Failure to comply within the stipulated 30-day timeframe will be considered willful noncompliance, subject to penalties under applicable laws, including those related to identity theft.

I want to emphasize that obtaining consent is not optional ; it is a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, which are designed to protect consumers like myself from unauthorized and damaging credit reporting.

I expect your immediate attention to this matter and anticipate that WFC will promptly rectify these violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Debt collection

i have some things on my credit in collections that im not sure what the payment is for
Product: Mortgage

My husband and I purchased property in XXXX NC in XX/XX/XXXX. Our lender was XXXX XXXX, but our loan was sold shortly after closing to Dovenmuehle. At the closing, we paid the insurance for the year on the property, thus we have had insurance  since the loan inception. In XXXX, we changed over our property to our business name, LLC. We notified Dovenmuehle of the  change and they required us to pay {$120.00} for the name change. Since XXXX, they have not changed our name on the loan. In addition, they have issued forced insurance coverage on us in the amount of {$4.00}, XXXX, increasing our monthly payment by $ XXXX/month. My husband has literally called them now over 25 times. The customer service representatives tell us they have all our information on file and can see that we have reached out to them numerous times, but they can not help us-  they do not have the authority to rectify the situation. On XX/XX/XXXX, my husband spoke to XXXX, customer service agent, and she told him it would take at least 2 months to adjust our payment. Why? This has been going on since XXXX and we provided them again with proof of our insurance ( with our XXXX name change ) in XX/XX/XXXX. On XXXX XXXX, XXXX, I spoke with Dovenmuehle again, the customer service rep. was nice and at least responsive, but said it takes 2 months to rectify this situation because of RESPA. The problem is Dovemuehle only  acknowledged this needed to be corrected XXXX XXXX, XXXX when we provided them with our proof of insurance in XXXX it's been much longer than 2 months. This should have been corrected before now and before we are FORCED to pay XXXX additional mortgage. We are paying for their mistakes. The customer service rep., XXXX admitted this to me today. Apologies are nice, but they do not negate the fact of their negligence to resolve this issue and requiring me to pay the extra mortgage fees. They said the earliest it could be corrected would be XX/XX/XXXX. This is a travesty and quite possibly the worst customer service I have ever experienced.
Product: Credit reporting or other personal consumer reports

I would like to dispute these unauthorized inquiries on my Equifax and XXXX report. 
XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My Fair Credit Reporting act consumer rights have been violated. The accounts listed below have violated my federal given consumer rights to privacy amongst other things. 
XXXX XXXX XXXX Account # XXXX. 
XXXX XXXX XXXX Account # XXXX. 
XXXX XXXX XXXX Account # XXXX. 
XXXX XXXX XXXX Account # XXXX. 
XXXX XXXX XXXX -- Account # XXXX. 
15 USC 1681a ( 2 ) ( a ) ( i ) states the consumer reporting agencies can furnish a reporting under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report. 15 USC 1681 section 602 A ( 4 ) states I have the right to privacy. 15 USC 1681s-2 ( A ) states that A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Mountain run solution located XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX violated my consumer rights. 

Pursuant to 15 USC 1692 B. ( 5 ) Pursuant to violation 15 USC 1692B. ( 2 ) Ive submitted exhibit A and B in the complaint
Product: Vehicle loan or lease

I purchased a car and CPS ( Consumer Portfolio Service ) XX/XX/XXXX. Terms of the contract 20.45 % for 60 months. Amount financed was {$13000.00}. I deferred possibly 4 payments. As of today {$9200.00} as of today. Which I believes is not possible.. Payments total {$14000.00}, amount applied to principle - {$4100.00}. Amount applied to interest - {$10000.00}. 3 payments aren't even showing on her account ( XX/XX/XXXX, XX/XX/XXXX & XXXX ) but had to be applied to interest. as it isn't until XX/XX/XXXX does anything get applied to principle. I also sent me an amortization schedule showing how the payments should have been applied. I have reached out the company multiple times and they are stating that my contract states that 5.19 % interest per day is to be applied daily but there is nothing in my contract to stated that and my loan is 60 mths and its being reported as an 53 month loan and XXXX shows I havent made a payment at all in XXXX and half of XXXX and showing on the company website as an 7 year loan. I have reached out via chat multiple times and today I was told that I had to call in to speak to a supervisor and I stated why i have spoken to supervisors several times via chat and the rep XXXX stated oh I thought you wanted to call them and then she disconnected my chat. I have reached out to the car dealership where I purchased this vehicle and they are stating that per my contract I signed is for 60 mths at {$350.00} per month nothing about interest being charged per day. I have all my documents and CPS keeps stating that they are going to do an audit. I pulled them up on the better business bureau and there is multiple complaints like this.
Product: Debt collection

I have sent several requests to this company to prove that this debt is mine. They sent me an itemized bill which is not legal. The name of the creditor is Amsher Collections in XXXX Alabama. They are still reporting on my XXXX  file in the amount of XXXX They were removed from the other two but not removed from XXXX. I have also contacted XXXX in regards to this the last time neing just in XX/XX/XXXX. XXXX  keeps saying that I need to send in updated ID and billl which I have done several times. I have also disputed it online with no action taken. Police reports have been sent to all credit agencies regarding this debt as well for my ID was stolen. I sent correspondence to this creditor on XX/XX/XXXX and did not hear back until the end of XX/XX/XXXX which surpassed the 30 days allotted as well. I have also sent this into the credit agencies along with the tracking numbers for the mailing.
Product: Credit reporting

The company removed information pertaining to fraud on my credit report and has made the information inaccessible to. Furthermore the company has refused to remove addresses that are posted fraudulently on my credit report and has demanded personal identifying information from me.
Product: Credit card or prepaid card

Ive been having issues with Goldman Sachs since the transition from XXXX XXXX. I was receiving paper statements since the transition. However they had my name wrong and when I went to change it to my legal name I have not received a paper statement since. I did not change that option myself. Numerous customer service reps have been unable to assist me and keep transferring me to another who doesnt know. I have at least 3 customer service reps written down that have failed to resolve this issue. I highly suggest actually using your recorded system to do a quality check on my account and unsuccesful attempts I have made with no results. Im sick and tired of getting " potential spam '' calls from this company and remaining unresolved. My monthly hardship agreement with XXXX XXXX prior to the transition is $ XXXX. Now its accumulated with fees probably and no one can help me. If I dont get a paper statement I do not know when my payments are due.
Product: Credit reporting or other personal consumer reports

POSSIBLE FINANCIAL INC. 
Account Number XXXX Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$440.00} written off. {$320.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX XXXX {$320.00} Balance Updated XX/XX/XXXX This information above is showing on my experian.com credit report and XXXX. 
I have paid in full this account with true accord the debt collection agency on XX/XX/XXXX in the amount of {$320.00}. I have received XXXX letters from true accord stateing my account has been paid off XXXX submitted the letter in pdf to all XXXX bueros immediately and I disputed this with XXXX several times Every day for the past 30 days I get a RUDE response from an agent AT XXXX.XXXX  WHO JUST KEEPS GIVING ME THE SAME INACCURATE INFORMATION AND TELING ME TO DISPUTE AND THEN NOTHING HAPPENS DIFFERENTLY ONLY BEING TOLD that this is what possible is reporting to experian.com. I have paid off this balance. I also have witnessed backlash from fileing a dispute on experian.com then possible reported to XXXX and transunion bad debt comment on my accts after I have paid the account off more than XXXX  days ago now. I just want the inaccurate information fixed please and the balance to reflect XXXX balance since I have fulfilled my obligation. Possible finance has me blocked from logging in on the website and the phone number is only a recording. I have paid my obligation can you please change my credit report with experian.com to XXXX balance for possible finance POSSIBLE FINANCIAL INC. 
Account Number XXXX Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$440.00} written off. {$320.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$320.00} Balance Updated XX/XX/XXXX I paid off in XXXX, XXXX So the information showing on XXXX.XXXX  AND XXXX IS INACCURATE INFORMATION.