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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account Number XXXX, XXXX Account Number XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX XXXXXXXX Account Number XXXX, XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX  Account Number XXXXXXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX  Account Number XXXX has 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I was checking my credit history and seen a lot of debt that I don't recall or have no knowledge about, so I disputed the debt on XXXX, XXXX and XXXX within a few hours the accounts came back Verified. 
Account name : XXXX XXXX Date XX/XX/XXXX Amount {$4800.00} Account name : Caine & Weiner Date : XX/XX/XXXX Amount : {$2000.00} Account name : Caine & Weiner Date : XX/XX/XXXX Amount : {$310.00} Account name : XXXX XXXX : Date XX/XX/XXXX Amount : {$360.00} Account name : XXXX XXXX Date : XX/XX/XXXX Amount : {$920.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

insurance was filed with XXXX  on my behalf by my social worker in which i was approved for, my XXXX coverage starting on XXXX XXXX XXXX plus a retro active period of 90 days before the start date. 

i was cover by XXXX  insurance during mentioned service dates by provider, i should not be receiving these medical bills by this collection agency, and these bills should not be reflected on my credit report! 

experian report account # XXXX
Product: Mortgage

I order a mortgage payoff from Ocwen because the payoff is needed to obtain a reverse mortgage for me and my wife so we would lose our home. However when I got the payoff back from Ocwen they added my principal reduction amount of {$42000.00} back to my loan as part of my payoff. I was told that this would not happen because it was forgiven and now they are going back on their road.
Product: Checking or savings account

On Sunday XX/XX/year> I awoke and tried to log onto my bank account with PNC bank and was told my access was " suspended ''. I called PNC and they told me that my access was suspended and that there was no one there on the weekend who could restore it. I asked them why it had been suspended and they couldnt provide me with a reason. 

I then asked to speak to a supervisor and they said that the earliest I could get a call from a supervisor was Tuesday. 

On Monday I called and they finally restored access to my funds and allowed me to speak to a supervisor. I asked her why they suspended my access and she gave me a vague response about a fraudulent login attempt. I asked her why it was appropriate to suspend my access to my money without calling me when they had no way to restore it for two days and she responded that " we can't call everyone who this happens to. '' I think it is likely a violation of some sort of banking regulation to block someone's access to their funds with no remedy and no manager available to speak to. 

I feel PNC has not taken seriously my complaint or offered me any reassurance that they would look into the situation.
Product: Checking or savings account

Reference Case Number XXXX Hi, My name is XXXX XXXX. I received a call from Citibank about a fraud charge and thats when I noticed five fraud charges on my bank account. Following are screenshots of the transactions.

1 ) I solemnly take an oath that these transactions were not initiated by me.

2 ) I have not shared my username and password to any individual.

3 ) Citibank called to notify that they suspected fraud transactions.

4 ) I called XXXX and they claim that they have not received any funds when I provided the Citibank account number. They did not allow me to file a case at XXXX. They claimed that Citibank will reach out directly to payal to investigate. Attached is my transaction in my XXXX  since XX/XX/XXXX. It is possible that it was not sent to XXXX? 
5 ) It seems like I have been hacked as XXXX website claims that my information was leaked.

6 ) I filed a police case report Case number XXXX Documentation attached. 
7 ) I reported theft at identitytheft.gov. The reference number is XXXX. Document attached. 
8 ) I added initial security on my credit file. Confirmation attached.

9 ) I also file XXXX data breach settlement. Documentation attached. 
10 ) I have filed a FBI, IC3 complaint and a copy is attached.

11 ) I have filed a fraud report with ReportFraud.ftc.gov Reference number is XXXX. Documentation Attached. 

Please review this information and advise as this is hard-earned money and I should not be punished for security that is not in my control. 

Thanks XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

On XXXX, during the Covid-19 pandemic I contacted Citi Visa ( card obtained through Costco ) and asked if due to the financial strain associated with Covid-19 if I could have no interest charged to my credit card. I offered to make the minimum payment and then pay off as I could. The Visa representative named " XXXX '' told me I could have 2 months without interest. On my next statement I was charged {$73.00} interest. I called Citi and spoke with " XXXX '' and was told their notes said I received Covid-19 relief which is that the payments were waived for two months and there would still be an interest charge, I also talked to a supervisor " XXXX '' who said she would not adjust off the interest. This is contrary to what I was told by the representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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

In the month of XX/XX/2020, I discovered that there was fraudulent information/accounts on my personal credit report and I researched how to correct this information to move forward. I submitted to each credit bureau my dispute letter signed and dated, my identity theft affidavit and I sent each package to each credit bureau, XXXX, Trans Union and XXXX  via certified mail with tracking numbers which cost me approximately {$37.00} to do this. XXXX  Certified Tracking Number : XXXX, Trans Union Certified Tracking Number XXXX and XXXX  Certified Tracking XXXX. I paid in addition to review my credit reports with my credit monitoring website {$29.00}. On XX/XX/2020, I received confirmation that each credit bureau received my dispute packages and I know my rights with in the Fair Credit Reporting Act section 611. Today is XX/XX/2020 and to date, I have not received ANY letters from the credit bureaus advising anything of their investigation to my dispute, nor has there been anything deleted from my credit reports. The credit bureaus have 30 days from the receipt of my dispute package XXXX XX/XX/2020 XXXX to investigate and/or delete disputed items. Today, XXXX XXXX makes this well over the 30 day mark and it is now 59 days since they received my dispute packages. I am filing a complaint due to my rights have been violated as a consumer and will be seeking legal council if this is not expedited immediately. I have paid a total of {$110.00} approximately for mailing dispute packages and paying for an ongoing credit monitoring service since discovering this fraudulent activity on my credit report. Please help me take care of this immediately as it is causing severe distress along with having to stay home during this pandemic.
Product: Credit reporting or other personal consumer reports

I AM A PART OF THE TRANSUNION DATA BREACH AND MY INFORMATION HAS BEEN USED HERE ARE THE UNAUTHORIZED INQUIRIES. 
XXXXXX/XX/XXXX
Product: Debt collection

I was a victim of identity theft. I also had my gym bag stolen and it had my personal information in it. I also was a victim of the XXXX data breech. I paid the debt to this company then they kept on harassing me and saying I owed more and more then I realized this was not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX  Accounts has violated my Rights. 
XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # 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 15 U.S.C 1681 Section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( Equifax ) credit report. My latest credit report shows ( 13 ) credit inquiry/inquiries that I did not authorize. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have not applied for anything therefore these inquiries shouldnt be on my credit report I havent given anyone permission to run or use my credit its my privacy right according to the FCRA.
Product: Credit reporting

Tried to get free credit report, was unknowingly signed up for their monthly service ; was charged {$1.00}, which they claim they can not refund in spite of the fact that I called them immediately ( no more than 5 mins ) after I created an account on their site. The charge is only {$1.00}, which is small enough that most people will ignore. However, thousands of people do this and thus the credit company makes a lot of money by cheating you out of a buck. They also offer no way to delete an account, I was told I can only " deactivate '' an account and they would not absolutely confirm that my account and associated information ( including credit card info ) would be deleted.
Product: Credit reporting or other personal consumer reports

Subject : Ongoing Dispute Over Inaccurate Reporting of XXXX XXXX Account Dear CFPB Representative, I am writing to formally escalate my complaint regarding ongoing inaccuracies in my credit report related to a XXXXXXXX XXXX  account. Despite over 120 days of documented disputes with XXXX, TransUnion, and XXXX, the agencies continue to report inaccurate data on this account, causing severe negative impacts on my credit score. 

Issue Summary On XX/XX/year>, I disputed inaccurate information on my credit report regarding a XXXXXXXX XXXXk account. I have submitted evidence that XXXXXXXX XXXX provided updates to the credit reporting agencies on XX/XX/XXXXXXXX XXXX XXXX that I was never late on payment for XXXX, XXXX, and XXXX per my XXXX XXXX Report confirming that the initial report was inaccurate. However, the agencies continue to report the information as accurate, despite this proof and currently reporting as of XX/XX/scrub>XXXX 

Impact on My Credit and Well-Being The inaccurate reporting has significantly lowered my credit score by over a XXXX point, creating financial hardship and impacting my ability to secure credit. This has caused considerable emotional stress and disrupted my financial stability.
Product: Mortgage

i just found out that my name was primary on mortgage loan for at XXXX XXXX XXXX, XXXX, SC with Owcen Financial Corporation that was awarded to my es wife. A Quick Claim Deed was to be record with the divorce agreement, which give her ownership of property 100 %. This property went into foreclosure this month XXXX XXXX, 2015 after being 9 months in rear. 9 months ago my ex wife purchase another property. Her Loan to Value ratio would allow her to purchase another property with debt of the first property. After talk with XXXX, i was the point of contact for first property but. I dont own the property anymore. I strong believe that my signature is on document release her from debt to purchase another property and clear her from the first property. I have made complaint with SC XXXX XXXX XXXX XXXX, I have inform the Fraud Department at Owcen and XXXX XXXX XXXX, LLC of my concern due to Quick Claim Deed not being filed, record and attach to note. There has been some Fraud in the purchase and with debt being left on me.
Product: Credit card or prepaid card

I am writing in merit to an issue I have been experiencing with Barclays Bank who erroneously closed my dispute XXXX XXXX with merchant XXXX in the amount of {$2800.00}. The issues began when speaking to a disputes agent to discuss the matter. I explained that the lost package had been located and the merchandise was returned to the merchant via the provided return label and we were awaiting a refund. I had never claimed that the matter was resolved. I gave the agent the return tracking number and assumed that the investigation would proceed. A few days later I received a letter stating that the dispute was closed claiming that I stated the charge was valid. The charge was valid in that it was not fraud, not the the matter was resolved. After speaking with the disputes department I discovered that the agent closed the dispute instead of waiting for the resolution from Barclay 's investigation XXXX from the merchant issuing a refund. The dispute was originally opened as a package from the merchant was not received. I confirmed that the lost package was finally located by XXXX. Once we received the missing package, we contacted the merchant ( XXXX  ) and a XXXX return label was sent to us and we returned the package back to the merchant. When the agent ( Barclays ) called to discuss the dispute she misunderstood as I stated we still had not been refunded by the merchant and she just closed the dispute. Since this occurred it has been weeks of trying to reopen this dispute with Barclays who has not been accommodating. I have provided the merchant and Barclay 's a copy of the police report which states that the package was lost in addition to live chat conversations with the merchant ( XXXX  ) where agents confirmed that the package was finally returned and delivered back to their warehouse but since I opened a dispute ( which was suggested by the merchant when the package was lost ) the merchant is unwilling to issue a refund although I do not have the merchandise nor have I been refunded for the order. This is stated in XXXX live chat sessions for which I am providing you copies of the transcript for XXXX dated XX/XX/2022 and XXXX dated XX/XX/2022. 

I am also providing a proof of delivery from XXXX  ( merchants provided prepaid return label ) with tracking number XXXX which confirms delivery on XX/XX/2022 to the merchants warehouse in XXXX XXXX XXXX at XXXX and signed for by XXXX XXXX 

Neither the merchant nor Barclays have been helpful in resolving this issue from the moment the package was lost to its recovery by XXXX and returned to the merchant. I am expecting a full refund as the merchandise is no longer in my possession and the return receipt has been confirmed by XXXX. 

If Barclays is unwilling to assist in my dispute I am exercising my rights under the XXXX Credit Billing Act that this dispute be sent to chargeback arbitration.
Product: Mortgage

To whom it may concern, My name is and I am a customer of yours, account number, in XX/XX/XXXX My wife and I had entered chapter XXXX bankruptcy due to overspending and being heavily in debt. We never missed a payment but realized that we were not getting ahead. When our case was filed, the courts ordered an escrow analysis on our account. When the results came in it was noted that our account was short the cushion that is required, so in turn raised our payment to accommodate the shortage. We were never mailed said analysis nor were we notified. Even after the analysis was done, we received a statement with our old amounts on it even after the date was given on the analysis said they would raise. When we finalized our case and signed all the paperwork, we did not notice the raise in our payment. So, we continued to pay the old amount for 48 months. If we would have received an analysis, or if would have been sent to the courts or my attorney, the next year I could have adjusted my payments then I would not be in this predicament. 
In XX/XX/XXXX we received a statement with all the numbers on when that hadnt been the case before due to the federal law and the new changes. After reviewing the statement, I noticed that we had what was called monies in suspension so I inquired about this and that is when I found out about the arrearages. I instructed my Wife, who pays the bills in my house as with most households to start paying a little extra on top of the new amount. So, we proceeded to do so for the 12 or so months. 
In XX/XX/XXXX I pursued this matter even more and started to do my own digging and concluded that your company has not done an analysis for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After many phone calls to your customer service dept. We finally realized this, however no one in the department would or could not answer the reason why. So, the person I was dealing with expedited an analysis for XX/XX/XXXX and the previous years however those years were not performed. 
I have been calling about this matter for 2 months now, if not every morning but close to it. I have reached the customer care person, the escrow person the director of that division and so on. 
After receiving the payment history from my insurance company and my property taxes and performing my own analysis there are some discrepancies that need to be addressed. 
Bankruptcy is stressful enough but the process of getting this straight is very taxing. And all I want is when I come out of Bankruptcy in XX/XX/XXXX that it is a smooth transition and I can move forward without any further blemishes on my credit report. 
I am writing this letter for your assistance in this matter as I am not getting anywhere with the customer service, I keep calling every day. I am a man that if I owe, I will pay but you must give me proper documentation stating so. 
Thank You
Product: Bank account or service

I am a Bank of America customer, and I used my debit card for gas and there was {$1.00} hold placed on my account. When that transaction finally posted for the full amount, the bank rearranged the order of all my recent transactions which caused my account to look like it was overdrawn and then charged me a {$35.00} overdraft fee even though my account had plenty of money in it. At the beginning of the business day on XXXX/XXXX/15 my account was fine and when I informed the manager that the over draft jus showed up today he stated that the account was overdrawn on the XXXX/XXXX/15 but I just could n't see it. I believe this is an unfair business practice. To rearrange the order in which things post and then not even make it visible to me so that I can properly manage my account makes me feel like I 've been robbed. This should be fraud. This is the second time now they 've don'e this to me and they refuse to refund my money.
Product: Debt collection

A few months I sent a letter to portfolio recovery stating I could pay my debt of {$270.00} for a lower amount of {$100.00}. The rep from Portfolio informed me yes I could pay the debt for lessons it would be reported as such and they would also require debt be deleted from my credit file with all 3 major bureaus. I sent a check and a copy of the email that I received from portfolio which stated as such. They sent me a letter back k stating there are restrictions on the letter they did not agree with. I also looked on the website which they stated they would delete trade lines from credit reports for payment that may be less than in full. I sent them a personal check stating to pay off my debt and they sent the letter back. Why would such a company state they would take payment for less and a rep stated they would take less and on the website states the same thing. What kind of company does not follow what they post
Product: Mortgage

I have had a XXXX XXXX XXXX for several years. Recently my health was compromised by XXXX XXXX and I have and was affected by XXXX XXXX for several months. 
I requested with my mortgage servicer mortgage assistance and a Forbearance under the Cares Act. Spoke with Customer Service XXXX to inform them my house is listed for a property foreclosure sale XXXX, I ask if the forbearance had been approved. I was told because my mortgage was not one of the mortgages that was included in the Cares Act. Also the Cares Act has postponed all property foreclosures sales until XXXX as I have read on the government web site that all mortgages were eligible for the forbearance. I feel my mortgage servicer is unwilling to work with me. 
They are discriminating against me because of my XXXX I've been trying to get mortgage assistance for several months. I don't want to lose my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporter Act XXXX  account XXXX  XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 8 states I have the right to privacy 15 U.S.C 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish your account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to 3 credit bureaus to remove erroneous accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$760.00} ; XXXX XXXX XXXX XXXX Balance : {$570.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$270.00} XXXX XXXX XXXXXXXX Balance : {$80.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00}