23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XXXX, 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 shall ( i ) 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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 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 1681 section 602 A. States I have the right to Privacy
Product: Checking or savings account

Citibank blocked/froze my account.

This whole ordeal started with my employer 's check being bounced due to their automatic fraud protection procedures. I was issued a new check and I deposited it into my Citibank account without problems. Subsequently, I setup direct deposit with my employer to avoid this problem in the future.

After the first direct deposit from my employer, Citibank " blocks '' my account and I am unable to access funds. I call Citibank to inquire about my account, and am transferred from department to department before they rudely and abruptly hang up on me.

I've attempted to reach out to Citibank via telephone over 5 times, and each time yield the same results. They would transfer me from department to department ( usually a 30-45 minute process ) before rudely hanging up on me after telling me that they can't release any further information.

This happened while I was filing for bankruptcy, causing me extreme hardship and greatly affected my ability to stay alive.

I NEED my money and am having trouble staying alive without it.
Product: Credit reporting or other personal consumer reports

These creditors engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit card or prepaid card

My Mother XXXX XXXX, passed away on XX/XX/XXXX. She opened up a US Bank Platinum Visa Card XX/XX/XXXX. Her payments were set-up as autopay from her checking account above minimum payments were paid monthly as she was able to make them. She was responsible for keeping track of her finances. 

To my knowledge she added me as an authorized user of the card when her health declined in XX/XX/XXXX. In spring of XX/XX/XXXX I reviewed her credit card bill and found many charges she did not authorize. I contacted vendors to reverse charges as I felt elder abuse was happening to my Mom. Her health was declining and her ability to manage finances declined. All US Bank credit card bills were mailed to her residence I did not receive bills. 

On XX/XX/XXXX the account was closed.While my Mom was in hospice her mail was forwarded to my address. Shortly after that the bank informed me I was responsible for this debt. The current balance is {$4900.00} I was offered a hardship payment plan for $ XXXX/mo for five years or a pay off for $ XXXX.I refused due the fact this is not my debt A letter has been sent to the Minnesota Attorney Generals office to US Bank . The bank still claims I am responsible. I dispute this claim as I had no idea I was listed as a co-owner, I am XXXX years old my only income is social security I am debt free other then the mortgage on my house. I still need help to settle this issue and restore my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter from XXXX XXXX XXXX stating the balance as of today is {$0.00} and a payment of {$330.00} was made on XX/XX/2017.
Product: Credit reporting or other personal consumer reports

CONSUMER ADJ CO In accordance with the fair credit act XXXX Consumer Adj CO, has violated my rights. 

15. U.S.C 1681 section 602 A states I have a right to privacy 15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without instructions 15 U.S.C 1681c ( A ) ( 5 ) section states no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the report 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 to be inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX still sends incorrect information I was paid in full and closed
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and there were inaccurate and incomplete information for several accounts. I have contacted and sent out dispute letters to TRANSUNION on XX/XX/2023. It's been well over 30 days since. I have not received a response from TRANSUNION whatsoever. I will attach the dispute letters I have sent toTRANSUNION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed XXXX inquiries on my Transunion report that I didn't authorize, and as a victim of identity theft I have an active alert that I Must be contacted prior to opening any accounts under my name and bothe companies has failed to do so and failed to maintain their due diligence which is required by law and at least contact me prior but their lack of care resulted on XXXX unauthorized access to my credit report and in addition XXXX inquiries that does not belong to me.
Product: Mortgage

Select Portfolio Servicing purchased my mortgage. The year of XX/XX/2019 funds were being escrowed for taxes and insurance. At the end of XX/XX/2019 the company did not pay my property taxes. I did not know this until I got a past due bill with penalties from the County. I called them. They said that they dont escrow. When I finally got through to them that it was the XX/XX/2019 taxes that were due, I got the run around about the escrow account. The amount due is {$16000.00}. 
I was told that the check was mailed XX/XX/XXXX. 
Then I was told it was cut XX/XX/XXXX but mailed XX/XX/XXXX. 
I still have not received the check for {$16000.00}. My XX/XX/2019 property taxes are still not paid. 
This is theft.
Product: Debt collection

Are starting in XXXX I received a Robo calls from Genesis FS card services every day multiple calls a day Im attaching screenshots below of the year phone calls that Ive been left almost every day from different numbers via a Robo dialer that left voicemails I told them I would call them when I was not at work I told him I can not talk when Im at work because I work in XXXX yet they continued to allow their auto dialer call me multiple times a day upwards of 50 times a week at one point
Product: Mortgage

My wife and I refinanced with NewRez mortgage company back in XXXX but had an excess amount of {$5000.00} in our escrow account. Our previous mortgage company transferred the remaining escrow amount in our escrow account to NewRez instead of refunding the amount back to us. Once we discovered the error we contacted Newrez about the problem. Instead we were told that in XXXX that California escrow analysis is done in XXXX and what ever exceeded XXXX will refunded. Then we called the company back in XXXX just to be told that they changed the escrow analysis to the end of XXXX. The last time we called we were told that they did an analysis in XXXX and only do them once a year. It didn't make sense because the repeatedly told us the state of California escrow analysis are done in XXXX timeframe by law. Also if an analysis was done in XXXX why didn't they tell us when we called about the error our previous refinance company made when they transferred our escrow account to their company. NewRez just repeatedly gave us excuses on why they couldn't do the analysis to refund us the overage on our escrow account. They would never let us talk to anyone in escrow department about our problem. There is approximately {$10000.00} in the escrow account and they claim they did an escrow analysis in XXXX but we refinance the loan in XXXX. We have gone through at least 5 people including supervision with all different excuses. We just want our escrow refund due to us from this company instead of running us around in circles.
Product: Credit card

XX/XX/XXXX Friday, 2025 fraudulent activity was detected on my credit report. Someone tried to open a capital one credit card in my name and the person ran my credit. It appeared to flag my credit, showing a new inquiry had been opened. This was not me. I did not open a new credit card. I called Capital One to report the fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft GS BANK USA Account Number : XXXX  This is not mine.

2. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.
Product: Checking or savings account

Once again, On XX/XX/2021, Capital One has frozen funds in my 360 checking account in the amount of {$34000.00}. The first time was on XX/XX/2021. 
The actions that Capital One has taken, appears to be both retaliatory and discriminatory. The source of the deposited funds has been documented with the bank. The funds are the proceeds of an SBA EIDL program. Capital One is trying to circumvent Congresses intent for the funds. Could it also be that the majority of this shameful behavior is directed at account holders / small business owners XXXX  XXXX? Clearly, the time has come for a XXXX XXXX to investigate, the inner dealings of Capital One as it relates to their banking relations within communities XXXX  XXXX or lack thereof. 
I have tried to contact XXXX at XXXX ext XXXX to discuss a resolution, but that individual has ignored my requests. I have on several occasions sent via email and per their request, sent supporting documentation regarding the source of the funds. 
I hereby demand an immediate release of all monies held within 360 account # ending in XXXX or a copy of an court order authorizing said seizure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have tried contacting XXXX several times in regards to misreporting on my credit profile. I have never been late on this account. Account status is showing current however XXXX is reporting 30 days late to call credit agencies.
Product: Credit reporting

This case was disputed and the results are the same. I sent the original debt collector a notice to show validation of the debt pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ). The notice was sent by certified letter, copies of which were sent to the credit reporting agencies, Transunion, XXXX and XXXX. The validation of the debt was never sent to me which the credit reporting agencies were informed of this by the credit reporting agencies. ; however they never removed the debt Account # XXXX, for the debtor failure to validate the debt. Instead the credit reporting agencies continue to allow the debtor XXXX collection to put this debt on my credit reports with out validating the debt out the guidelines on validating a debt. Their means of validating the debt is simply responding electronically that I owe the debt. The issue with my initial complain was the address listed on the credit report XXXX TN XXXX the notices were returned, the address is not a correct address where the collection account can be reached. This error along with the debt collector not validating the debt should be gounds for it to be removed.
Product: Debt collection

I blocked XXXX (XXXX XXXX) from my phone and reported to XXXX, FTC, FCC, CFPB (CFPB Complaint #XXXX). I called XXXX to be put on XXXX XXXX's Do-Not-Call List but all they did was send my number to a different department, so that now it shows up on my phone as XXXX. I am still getting calls and voicemails from XXXX XXXX. PLEASE STOP THESE PEOPLE FROM HARRASSING ME.
Product: Mortgage

On  XXXX   XXXX ,  2017 I up dated my hazard insurance on my home located at  XXXX   XXXX   XXXX   XXXX ,  XXXX , MO by updating my  XXXX   XXXX   XXXX  policy to include an umbrella policy to cover sink hole and earthquake. My agent -  XXXX   XXXX  and myself provided proof of insurance to Nationstar Mortgage. In  XXXX ,  2017 I w as notified that Nationstar Mortgage needed proof of insurance. Once again I provided proof of insurance. On  XXXX   XXXX ,    2017 th e  XXXX ,  2017 p ayment in the amount of {$920.00} was mailed to Nationstar Mortgage using check #  XXXX  on the  XXXX  Bank account of  XXXX   XXXX   XXXX  and  XXXX   XXXX   XXXX . On  XXXX   XXXX  , 2017 I wa s notified by Nationstar Mortgage that my payment was not being processed until I paid {$570.00} for insurance they purchased despite having at least  XXXX  submitted proof of insurance. On  XXXX   XXXX  , 2017 the  agent again submitted proof of insurance. On the evening of  XXXX   XXXX  , 2017 a t  XXXX    XXXX   the entire  XXXX  pages of   XXXX   XXXX   XXXX   Policy  XXXX   XXXX   XXXX  was faxed to the insurance department of Nationstar Mortgage. On  XXXX   XXXX ,  2017 I was  informed by phone that Nationstar Mortgage had proof of insurance dating back to the original date of coverage of  XXXX   XXXX ,    2017 and u pdated proof of insurance dated  XXXX   XXXX ,  2017. Ho wever I was also told that until the {$570.00} is reimbursed either by myself or the insurance company that Nationstar Mortgage purchased insurance thru, the payment of {$920.00} would continue to be held and on  XXXX   XXXX ,  2017 the  mortgage would be in default. On  XXXX   XXXX ,   XXXX   017 I fil ed a complaint with the Missouri Departmen t of Finance ( Investigator   XXXX   XXXX   ).  On  XXXX   XXXX ,   XXXX   I was notified by Nationstar that the account was in default and they would not process the payment that is in their possession. On  XXXX   XXXX ,  2017 I   spoke to my attorney -  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , MO,  XXXX .  XXXX   XXXX  advised me to complete a complaint with your agency and then notify Nationstar Mortgage of my expectation that the  XXXX ,  2017 i n the amount of {$920.00} be applied and no indication of default be noted on the account. Also on  XXXX   XXXX ,    2017 I   received two mailings from Nationstar Mortgage. One mailing was an indication dated  XXXX   XXXX ,  2017 that N ationstar Mortgage was the provider of insurance, the second mailing also dated  XXXX   XXXX ,    2017 was a n indication that Nationstar had received from me proof of insurance.
Product: Checking or savings account

My debit card was used in XXXX TX electronically and i had the card with me in Virginia. I used the card the previous day at a branch ATM and I rarely use the card with my pin so I am not sure how they received the information. I was in VA and I have never been to TX. I called the bank and told them it was not me and they denied returning the money since they had my pin number.
Product: Debt collection

This agency contacted 3rd parties my brother in law father, who I have no relationship with or talk to at all, Not even sure how they got to him. I contacted the agency on X/XX/17 to advise not to contact anyone other than myself and asked that they remove from contacting anyone but me, they stated they did not have to do that. I advised they are required by law based on the Fair Debt Collection Practices law, which he said that piece of legislation does not apply to them. He ( XXXX ) became very rude and I told him that he needed to do what I asked. He just kept talking and I told him I would be filing a complaint as I had done research on the company and they had a reputation for illegal practices. He then hung up on me.
Product: Debt collection

After checking my credit report, I noticed a collection account from this collection agency. I never received a written notice or a phone call about this debt. I filed a dispute, and the collection company claimed it was a valid collection but never provided any documentation. I contacted them by phone and requested written confirmation of the debt to be sent to my address. Instead of listening to me, the representative I spoke with was extremely rude and began yelling at me. I never received written confirmation or any proof of this debt. To this day, I have no idea who the original creditor was or what the debt is for. If the collection agency can not provide written documentation proving that this debt is mine and detailing what it is for, I want it removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted the 3 major credit bureaus several times about unauthorized inquiries on my consumer report. yet i have yet to receive any response or see a update to my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the XXXX XXXX XXXX requesting a original signed promissory note exercising my rights provided by the fair credit Act section 609 States creditor has 30 days to provide you with the original signed document verified debt I have not received nothing from the XXXX XXXX XXXX I have reached out several times asking for verification and after viewing my XXXX credit report I'm seeing a lot of inconsistencies amongst the three credit bureaus
Product: Debt collection

A debt that was from 2015 was removed from my report last year for being incorrect. That debt was sold to another collector now filing a new collections outside of californias 4 year law to collect a debt. The collection agency JEFFERSON CAPITAL SYSTEMS refuses to prove the debt or remove it from my report which is in violation of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

all hard credit inquiries between XX/XX/2021 thru XX/XX/2021 was someone else using my personal information applying for credit or loans or whatever because i was incarcerated from XX/XX/2021 until XX/XX/XXXX, XXXX i also do not recognize any of the other 3 hard credit inquiries. so of the 10 hard credit inquiries on me, at least 7 of them ( the ones during the time i was incarcerated ) are completely fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

My purse was stolen and someone is using my identity with my personal information to apply for accounts that are reporting on my credit report that are not mine and I did not authorize. I am an identity theft victim and I have contacted Equifax three times to resolve this issue. This matter needs to be resolved asap.
Product: Checking or savings account

Deposited a check XX/XX/year> at the XXXX XXXX 

Went in the bank branch at Wells Fargo with the receipt and asked when the fund would be made available and the bank teller, indicated tomorrow, the next day.

Also, called Wells Fargo to confirm and banker confirmed that check would be available next day.

Later, received an email stating the deposit was not accepted and that the check will be mailed back to me So, in essence, I received two different stories regarding the same transaction.
Product: Mortgage

We were told from the beginning that the first payment after we refinanced would be due on XX/XX/year>. Now that we can access our loan on line it shows the first payment being due on XX/XX/year>. The only reason we waited to close on the loan is to not have to pay XXXX and XXXX payment and start the first payment on XX/XX/year>. We intended to use that money to pay down our credit card debt. That was the entire reason for refinancing. Rocket mortgage has been very unreasonable with request per our loan XXXX XXXX XXXX. This is awful that a company can do this. There is not reason at all for them to not be able to adjust this to the first payment being XX/XX/year>.
Product: Debt collection

I have no knowledge of this debt, and can not resolve the issue with the company directly so here I am. 


Receivables Performance Reported a collection on my credit account that I have no knowledge of. 


I have requested that receivable performance 1. Indicate when and where the alleged debt originated with the original creditor, when the alleged debt initially went into delinquency, and the complete payment history, the requirement of which has been established via Spears v Brennan 745 N.E.2d 862 ; 2001 Ind. App. LEXIS 509 2. Evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature 3. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) Coppola v. Arrow Financial Services, 302CV577, 2002 WL 32173704 ( D.Conn., Oct. 29, 2002 ) states information relating to the purchase of a bad debt is not proprietary or burdensome. Include the source of this alleged debt, the amount paid for the alleged debt, and how the amount sought in collection was calculated 4. Intimate knowledge of the creation of the alleged debt by you, the collection agency 5. Proof of the alleged debt acquired from the original creditor, as mandated by the FDCPA 809 ( B } As stated in the FDCPA 809 ( B }, you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in TWYLA BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account to the credit reporting agencies constitutes collection activity.
Product: Credit card or prepaid card

I REVIEWED MY CREDIT REPORTS WITH EXPERIAN, XXXX AND XXXX AND I NOTICED FRAUDULENT ACCOUNTS AND INQUIRIES ON MY REPORTS. XXXX XXXX IS REPORTING A REPOSESSION BALANCE ON MY CREDIT REPORTS AND I HAVE UNAUTHORIZED CREDIT INQUIRIES FROM XXXXXXXX XXXX XXXX XXXX