23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am in the get hope state program on my mortgage. I received paper work from my lender stating they were going to put me in foreclosure after being behind for two months. also received paper work from my insurance company on my mortgage saying i need to prove i am living in the residents or they will cancel my insurance due to the mortgage company putting me in default. So they offered me a forberance program which I was told they could n't do receiving state funds.
Product: Credit reporting or other personal consumer reports

Union home mortgage has been improperly reporting my mortgage status to all 3 credit bureaus for over a year. One has no report. The others show 2 mortgages. I do not have 2 mortgages
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts and information in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX XXXX XXXX XX/XX/2022 XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX AV XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX  XXXX Balance : {$3000.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1300.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$7900.00}, {$2800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7900.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Names : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Employer : XXXX Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX Employer XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I checked my personal consumer report which I acquired from your organization and I noticed that there are unauthorized inquiries, inaccurate accounts and Personal information that's inaccurate and not placed not by me.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions. 
I want the
Product: Credit card

Someone opened a charge account in my name-. This was followed by a charge of {$1400.00} at a Walmart in XXXX, DE.
Product: Debt collection

I see a Debt added to my account for {$730.00}, opened XX/XX/2015. I have yet to receive in validity on the debt. When I reach out to someone the customer service reps acts as If no information can be given. I have disputed the debt because I have no knowledge of the debt, and yet still no validity of the debt has been sent so that I can take action.
Product: Checking or savings account

XXXX XXXX XXXX charged me 3 times for the same transaction. Their machine was denying charges due to internal system error. When I checked my account all XXXX transactions posted. I have contacted the bank, Chase, who did give me a temporary credit and I contacted the owner of the marathon station who contacted marathon directly twice to get me refunded. Both times they said they could see the denied charges but money was taken and I would be refunded in XXXX days, both times this did not happen. I contacted marathon myself who stated money was sent over on XXXX yet still nothing. Bank is now taking away the credit, Chase has not helped me resolve this issue at all, marathon is obviously not doing right by me, the consumer. XXXX charges of XXXX for nothing at all
Product: Credit card or prepaid card

I have a Capital One credit card that I paid off on XXXX XXXX, XXXX in the amount of {$720.00}. I received a bill in the mail for {$12.00} for additional interest charges. I contacted capital one to have the interest removed because I have never asked for a reversal in late charges before and although I paid off two additional cards that each have an over payment on and that I have to wait up to 60 days to receive the checks, they were unwilling to reverse the {$12.00} interest charges which is completely preposterous!! 

I then tried to contact corporate headquarters at the phone number of XXXX and was told by the young man that answered that the number I dialed was a third party number and that he could not give me anymore information then a corporate mailing address.
Product: Debt collection

This company keeps contacting me and my job even though the debt is not mine. The worker stated that she will not stop contacting even though she knows I do n't owe them anything. This collection company is jeopardizing my job.
Product: Debt collection

First, Selip and Stylianou LLP. failed to adhere to the CFPB 's policy in regards to responding to a complaint within the first 15 days which the CFPB noted which a copy of this is attached. Secondly, Selip and Stylianou LLP. attached a copy of a letter they " supposedly '' sent to me. This letter was not once received by me. It would not surprise me if they made up a date on a letterhead to cover themselves from failing to contact me as they were required to do. Third, XXXX XXXX clearly states that the account was " CHARGED OFF '' ( see letter " Letter from XXXX XXXX stating account charged off '' ). By charging the account off, Synchrony would NO LONGER BE RESPONSIBLE FOR IT AND FORFEITS THEIR RIGHTS TO TAKE PART IN A LAWSUIT. Therefore, Selip and Stylianou LLP CAN NOT sue me on behalf of someone who was " charged off '' my account. I also do not appreciate that Selip and Stylianous response attached below, referencing that I ever acknowledged that XXXX is being represented on their behalf. AGAIN, XXXX stated the matter was charged off therefore they are not involved with the matter. Thats facts! Fourth, I have sent MANY faxes and letters from XX/XX/XXXX until present, all of which were never responded to. I asked Selip and Stylianou LLP to contact me regarding their lawsuit because I have not once been contacted by them although they are providing a questionable letter that they did. They have been known to send people false documentation regarding this issue, even when they were XXXX XXXX  XXXX XXXX - See XXXX v. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX ( XXXX XXXX ) - See XXXX v Selip & Stylianou , LLP, US Dist Ct, XXXX NY, case No. XXXX These are just 2 of the thousands of cases filed against this agency 5th -Your threats to continue to pursue lawsuits to me must be addressed. Just because I filed, and will continue to file complaints with the CFPB and other jurisdictions does NOT give you the right to take retaliatory measures against me. As seen in the attached document ( Selip and Stylianou Threats ), I was threatened with further lawsuits because they are claiming I filed too many complaints and that they are " Frivolous ''. To state they have no value is not their decision as its my RIGHT to send as many complaints as needed to stop companies like you from bullying people like myself. 
Selip and Stylianou LLP. has stated many lies, are deceptive, and bully people, all of which while they  can not adhere to the CFPB 's guidelines. They had to change their name from XXXX XXXX XXXX XXXX because they were sued and found guilty of so many different violations regarding consumers rights. This company has and continues to fail at doing things the right way and I am sick and tired of it. Something needs to be done to keep failing companies like this from abusing people by not following the correct protocols such as the ones I listed above. For them to threaten me for reporting violations they continue to make by stating they will peruse further action due to my " Frivolous '' and multiple complaints is ILLEGAL, uncalled for, and NEEDS TO BE ADDRESSED ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my credit report I didn't authorize. 

XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I'M A VICTIM OF IDENTITY THEFT. " THIS IS NOT A DISPUTE ''!!!! THIS IS MY 3RD REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Vehicle loan or lease

I bought a car in XXXX from XXXX and bridgecrest was the company that financed the vehicle. My bank, XXXX XXXX, approved me for a loan to refinance the vehicle with better terms. I sent a check for {$26000.00} which Bridgecrest told me was the 10 day payoff amount on XX/XX/XXXX. Bridgecrest sent me a text message thanking me for my payment of XXXX. On XX/XX/XXXX one of their customer representatives called asking for payment on the vehicle. When I investigated the situation with my bank they said that Bridgecrest didnt endorse the check properly so my bank didnt release the funds.When I told one of their customer service reps what happened, they emailed someone in customer relations and told me to wait on a response. Bridgecrest sent me an email the same day telling me to send another check for the new 10 day payoff quote, which was an additional {$220.00}. I got another check from my bank on XX/XX/XXXX for {$26000.00} and I sent it overnight along with a personal check for {$220.00}. On XX/XX/XXXX they processed the check for {$220.00} but as of today, XX/XX/XXXX, my bank states that they have yet to process the check to pay off the vehicle. I have called several times and spoke with customer relations agents but all they do is send an email to their managers and I never get a call or email from anyone at this deceptive company.
Product: Consumer Loan

I currently have a auto loan with credit acceptance since XXXX of 2016. It seem like they use bullying tactics to get their payments. I went to a In my opinion fraudulent scamming auto company to purchase a car in XXXX of 2016. When the told me I was approved they told me it was through credit acceptance. The never explained to my credit acceptance billing rules and regulations. They were instructed by credit acceptance to put an device I. The vehicle so credit acceptance can shut the car down when I payment was not received. During the time I first got the car I was working. Now I have a XXXX that has me on temporarily XXXX and payments comes twice a month which only comes out to $ XXXX monthly. I have called credit acceptance explain to them what 's going on and let them know my situation but they do n't even seem to care about a XXXX person all they want is their payment. Which I understand I do have the vehicle and it must be paid for. But if I 'm explaining what my situation is and is making payments when ever I receive my check they wo n't give me any leave way. There has been a time I was going for medical treatment and missed out on it because credit acceptance activated the device in the car which prevents it from shutting on for XXXX XXXX and some odd dollars that was n't paid. So it seem to me a person facing a life or death situation does n't mean anything to them more than their payments. They need to stop their bullying tactics and try working with their customers. If it was n't for that car being my life line I would just let it go. Like I said XXXX had that crooked car dealership let me know about this I would have never agreed to accept or sign off any loan agreement with credit acceptance
Product: Credit card

I made a payment of {$200.00} on XX/XX/XXXX dated for XX/XX/XXXX to cover my minimum due on my pay day. I then made another payment, after confirming my bonus was received on XX/XX/XXXX, on XX/XX/XXXX which was posted to my account on XX/XX/XXXX. The company charged me {$15.00} in interest charges because the full balance did not post before XXXX. I have called twice, the second time asking to speak with a supervisor. They stated that I made the second onlione payment on XX/XX/XXXX, but my notes say I made it on XX/XX/XXXX. The company refuses to remove the interest only charges and this is ridiculous. The website does not have the date/time the transaction was done online, you just get an email later about the transaction date. The {$200.00} payment email was received on XX/XX/XXXX XXXX and the {$590.00} payment email was received on XX/XX/XXXX at XXXX. I know this is NOT when I made the payments online as I was SLEEPING at those times. All I am asking is for Wells Fargo to remove the {$15.00} in interest only fees on my account and they claim they ca n't because the payment posted on XX/XX/XXXX. Seriously?????? I know that is a line on XXXX!
Product: Debt collection

There are some inconsistencies with this account among each credit bureaus. Including, The amount, the date of last payment and the date that the credit opened.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX, North Carolina Laws Dear CCB/CHLDPLCE, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws specific to Hope Mills, North Carolina .

It has unequivocally come to my attention that CCB/CHLDPLCE has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, North Carolina state law, specifically N.C.G.S. 75-61 and 75-62, emphasizes the necessity of consumer consent for credit reporting. Furthermore,
North Carolina Identity Theft Protection Act establishes clear guidelines for the fair reporting and protection of consumer credit information. Identity fraud laws in North Carolina underscore the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for CCB/CHLDPLCE to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that CCB/CHLDPLCE immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and applicable North Carolina statutes . Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and North Carolina state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

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

Done in good faith.