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 XXXX XXXX XXXX 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. 
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: Credit reporting, credit repair services, or other personal consumer reports

conducted by the Credit Bureaus. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range : XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Mortgage

This is my third complaint I am submitting on this site dealing with Freedom Mortgage. This site gives the mortgage company access to close the complaint without any follow up to the consumer. I am at the final stage of my refinancing for the third time and have not received a response as to the reason my previous closing did not occur. I asked for reimbursement of the money lost due to a four month delay of my refinancing and for the vacation day I took for the second closing which was canceled an hour before the scheduled time. I never received a call from the Customer Advocate to reschedule my refinancing. I had to call the Closing Department myself to schedule. I have not received an email confirmation as I have in the past. My closing is scheduled for Monday, XXXX, two business days away, keeping my fingers crossed. It has been recommended I contact XXXX XXXX Investigate for my issue to hold Freedom Mortgage accountable to all of us consumers! During this 2020 COVID year, Freedom needs to be more responsive to their clients and should work with us to save us money!! They should be ashamed of the lack of service and the loss of funds they are causing us. FHA needs to be made aware. I hope I get a response from XXXX XXXX Investigate and get help for all of us mortgagees!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 XXXX XXXX, Credit Management LP, XXXX XXXX  and XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt ad anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Payday loan, title loan, or personal loan

Applied for loan through Spotloan totaling XXXX after applying for the loan and receiving the loan. I noticed that the pay back of the loan was more than the loan which is over 460 % interest which equals XXXX which is over XXXX more to pay in full. The amount for each payment is XXXX now it is XXXX for 6 months to pay back a XXXX loan. I placed a stop payment on my bank account that would block them taking money due to that would take a majority of my VA XXXX. I have been receiving emails constantly demanding the first payment starting in XXXX of 2021 and on XX/XX/2021 i contacted them to resolve by paying a lesser amount that would at the end of the six months XXXX to them but they couldn't do that do to interest of 460 % was occuring. I sent a copy of a survey i was ask of them and they responded i could get a better APR but they will not honor that now i am faced with a huge problem that i tried professional and honorably to pay back but they refuse.
Product: Student loan

In XXXX, 2015, I replied to an advertisement on XXXX about lowering my student loan debt. The advertisement was initially from XXXX XXXX. I then learned that a company called Equitable Acceptance Corporation would be servicing my loan and making the payments to XXXX XXXXXXXX XXXX on behalf of me. Ive learned that Equitable Acceptance has not contacted XXXX XXXXXXXX XXXX, and is taking money from me that does not benefit me. I have made payments to Equitable Acceptance for over 3 years. XXXX XXXXXXXX XXXX has told me they NEVER require students to pay another company to help with lowering interest rates and monthly payments. I have learned that there is a class action lawsuit against Equitable Acceptance for fraudulent activity.
Product: Checking or savings account

US Bank had to open a new account one week ago XX/XX/XXXX and I still can not Transfer funds. I had been with US Bank over ten years and had to Open a new account because my old one was compromised. It is now XX/XX/XXXX and can not transfer funds thru XXXX. I called 6 plus times to give social security number plus date of birth and mothers maiden name. 
In our society we call that The forgotten man! On Monday U S Bank Did call to take out payment for a loan but no go on transferring funds. 
Amount was {$1100.00} plus.
Product: Debt collection

NRA has not sent me any document proving their reported account on XXXX under my name with the right day of first delinquency. It means they have not responded to any of my complaints since I requested ( please see the attached receipt of USPS ).
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX, XXXX  AND XXXX HAVE ALL PUT A EXTENDED FRAUD ALERT AND A PERSONAL STATEMENT ON MY CREDIT REPORT, WITHOUT MY CONSENT. I CONTACTED ALL companies and told them to remove the alert and personal statement asap because I did not request it. Furthermore they put a phone number on the alert for companies to contact me that doesn't belong to me.
Product: Mortgage

In XX/XX/XXXXmy daughter was hospitalized to XXXX XXXX. She presented with complications and the XXXX turned into a XXXX XXXX. Her original due date was in XX/XX/XXXX. I to had be off for 2 weeks at this time from work and unable to pick extra shifts with my other job as well. I myself have had some XXXX XXXX and missed a lot of work. I am currently on intermittent FMLA with my employer. I fell behind with XX/XX/XXXXand XX/XX/XXXX payments sent a payment for XX/XX/XXXX in it was returned to my bankruptcy attorney with a letter stating it 's not enough. They stated I needed {$2700.00}. My attorney told me that she would have the notes added to my plan in my chapter XXXX bankruptcy. XXXX XXXX refused to accept these terms and filed a motion to lift the stay on my home. Which has been granted in XX/XX/XXXX. I was told I had until XX/XX/XXXX to come up with XXXX. Then forclosure will start by XXXX XXXX at Standard Mortgage Corporation. XXXX XXXX who works in the bankruptcy department asked the reason why my payments were n't made be put in writing and she would consider accepting the plan agreement from attorney. After she got the reasons she said my financial situation Was n't going to get better and denied the plan agreement and went forth with lifting the stay. I feel my case has been handled inappropriately and I 'm being discriminated against at this company. This is not the first time I have been discriminated against here. I have been with this company for 10 years.
Product: Checking or savings account

Since XX/XX/2024, I have received repeated fraudulent charges on my citibank checking account/debit card from XXXX XXXX XXXX I have never had a XXXXXXXX XXXX account and never made or authorized purchases for anything from XXXX XXXX. On approximately 6 times, I've closed the debit card and had a new one issued. Yet, the fraudulent charges continue. I have called Citibank about 20 times and spend literally dozens of hours on the phone and each time I call, they have no record of my prior calls. Each time, I go through the fraudulent charges one by one, which now total well over 100 fraudulent charges exceeding {$2000.00} in total. And each time they promise a provisional credit, but I never get one. And each time I call back, they seem to have no record of me calling the prior time. Among the reference numbers from Citibank are : XXXX ; XXXX and XXXX, but there are more. 

On XX/XX/2024, I filed a complaint with the CFPB under XXXX. On XX/XX/2024, they credited me some of the charges back and on XX/XX/2024, this matter was closed by CFPB because Citibank claimed that they had credited the funds. Astonishingly, after the matter was closed, Citibank reversed the credits and has yet to provide any explanation. I have been trying to reach them for a month by email and by phone and not once have I received a response. It feels like this is deliberately deceptive practice by Citibank to avoid oversight in this matter.
Product: Mortgage

Took out a second mortgage out XXXX 2005 for XXXX 20 year term fixed interest as of today still owe principal XXXX and see on bottom of bill a deferred interest of XXXX. This is not right, i have asked for a pmt history and original contract to be mailed to me. I think there could be some kind of government protection for mortgage companys taking advantage of consumers
Product: Checking or savings account

On XXXX XXXX XXXX an amount of XXXX XXXX was missing from my account due to a bank error. I called the bank, talked to teammate and over the chat that the bank app provides and none of them gave me a reason why the money disappeared. On the first call the teammate was really specific on saying that was a bank problem and for me to dont worry about cause the money would return to my account, and probably was just a app problem, but after that, all the calls and all the messages they say its a truist. They have the statements and everything but both of the banks refuse to tell me what happened with the money take responsibility for it or give me a solution since the money is not on neither of the accounts and theres no explanation for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account reporting on my credit report that is incorrect. I didn't authorize this account and it's violating my rights according to FDCPA. Any bad debt furnished on your credit report is running your reputation and it's defamation of character. 

PLEASE REMOVE THIS INACCURATE ACCOUNT FROM MY CREDIT REPORT AND PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT. 

XXXX XXXX XXXX # XXXX {$15000.00} Payment {$260.00} THIS ACCOUNT IS CAUSING ME ALOT OF EMOTIONAL DISTRESS FOR ME AND MY FAMILY AS WE ARE NOT ABLE TO CLOSE ON OUR HOUSE BECAUSE OF THIS ACCOUNT. I DID NOT AUTHORIZE THIS ACCOUNT. I'M REQUESTING THIS ACCOUNT TO BE REMOVED.
Product: Credit card or prepaid card

This is regarding the following transaction XXXX XXXX WA {$46.00} on XX/XX/2021 This is an unauthorized transaction and a dispute was initiated for this transaction with mastercard. However, neither Citibank nor Mastercard has provided any evidence that this is a valid transaction and has closed the dispute in favor of the merchant.
Product: Checking or savings account

Temp hold was taken out of secured credit and the amount of {$57.00} transaction was only {$27.00} receipt was supplied to verify this information bank refusal to return overage. Credit card was overdraft at three separate locations in which locations themselves are unknown requested camera footage and to be credited back funds in which place me an overdraft made multiple Friday investigations in which chime is not investigating properly and just denying all claims.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Failed to validate my debt and violated my XXXX rights by disclosing my medical procedures that I was unaware of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. I need the following accounts to be corrected or deleted right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

debt collection agency XXXX XXXX XXXX XXXX acquired my protected healthcare information, ( lab work performed, symptoms, diagnosis, treatment ) from XXXX XXXX XXXX XXXX   in XXXX. I never asked for my PHI to be shared with this fraudulent collection agency. I have filed numerous disputes and complaints. The fraudulent debt in question was removed from all 3 credit reports. Then 2 weeks later, Equifax allows this company to turn around and re-report this debt that I'm not liable for. I have filed HIPAA complaints against the hospital and would like to see this company get fined for their disgusting business practices. They have shared my PHI with all the credit bureaus and I am in the process of seeking legal counsel.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I had filed a complaint with the CFPB towards PayPal regarding a charge back which took place to my account in the amount of {$17000.00} on XX/XX/2018. The response from XXXX XXXX of PayPal is attached. Part of the letter reads, " On XX/XX/2018, PayPal received notification that the buyers credit card company was continuing their chargeback for {$17000.00} as their card member provided documentation indicating that you promised a full credit for malfunctioning computers and wrong power supply / plugs received. '' That is 100 % false. I 100 % without question did not permit/allow any debit to take place from my account. PayPal did not at all act in good faith because they never questioned me about that. Instead, they simply believed what XXXX had told them and allowed XXXX to pull all of the funds from my account.
Product: Debt collection

This debt is not mines i have a delete letter but its not being taken off my credit report at all i want it off,
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Lockhart Morris & Mont I am writing to formally dispute information on my credit report that does not belong to me and is negatively impacting my creditworthiness. The inaccurate information in question is associated with my credit report, and I kindly request its immediate removal to rectify this erroneous situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX Account # 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
Product: Checking or savings account

I deposited some checks for the amounts of {$2400.00} and {$4800.00} on XX/XX/2022 and after several days at the Chase bank, they sent me a letter saying that my account had been frozen because they could not verify the checks. the checks are from the same company and have information showing where the checks came from. I called and spent about 20 minutes trying to fix the problem. I went to the bank twice, lasting more than an hour on each visit, giving them a phone number to verify the checks, but they can not verify it because the phone numbers are not there. registered in your system. I went to the XXXX XXXX offices and they confirmed that Chase Bank has the funds with them and that they don't understand why they don't deposit it to my account. I called the bank with the XXXX XXXX representative and they didn't want to talk to her because they have to call her but when they were given the number they told me they couldn't call her because once again the number is not registered. The numbers on the pictures shows how many a search and called trying to verify these checks. I haven't been able to make some of my monthly payments because I haven't even received the remaining money in my account when it was closed. This situation will also affect my tenants because I have to start an eviction process for non-payment since the checks are from the rent relief program.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Experian took {$29.00} a month, when I cancelled with them. They owe me {$60.00} total. I emailed them & called them. Their Bot hangs up on u. U never get a live operator.
Product: Mortgage

Shellpoint took over my mortgage over a year ago. For the last few months, they have been over charging me fees for taxes and insurance that I do not have with them. My XXXX payment had also been moved into an account that I knew nothing about and they kept telling me my mortgage was late. As of today which is XX/XX/21, they are still charging me for taxes and insurance. I have my own insurance and I have called these people numerous times. I am not sure why they keep screwing up my account but Im tired of them. This is the worse company ever and I dont know what the problem is with them and other peoples money.
Product: Money transfer, virtual currency, or money service

They closed my account transferwise, I don't have access to the money I have there and they give me a very long time to return the money to my XXXX account.
Product: Debt collection

XXXX XXXX XXXX continues to call my cell number on Sundays multiple times & when answering the call, no one is one the other end. The number they continue to call from is XXXX.
Product: Checking or savings account

Hi, I am  XXXX . Having checking account in bank of america. Today, i went to   XXXX    XXXX , nj branch to deposit the fund of  XXXX   XXXX   XXXX  . But after i handed over the fund to the teller. She mentioned i had only give her   XXXX    instead of  XXXX .
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Denominzation which i gave to her is   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . But instead she had given me the denominzation of   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . This is clearly looks to be scam and fradulent behaviour. How can my   XXXX   can be turned in  XXXX . I insited to look at her drawer, initially she denied, and when i asked her 2nd time she agreed to do so. After sometime she checked something and came back to me and said, that i was correct, and accepted that i gave her   XXXX   and she missed it some where? i really do n't trust her, for the very simple reason. I did n't have  XXXX  dollar bill in my denomination. This looks to me as clear case of money laundering. 2 Thanks,   XXXX
Product: Credit reporting

XXXX this account is coming up to its seven years on my credit report now and is suppose to come off i disputed the item with Transunion and they refused to remove it and i also called XXXX and an was told the credit bureau have to remove this from my credit file the XXXX date of delinquency Transunion is showing is XXXX XXXX witch will be seven years in to months to my acknowledgement information is generally removed seven years from initial missed payment that led to delinquency and this item estimated to come off in XXXX XXXX the date for removal is over seven years and would like to have this deleted from my Transunion file early if possible or in XXXX XXXX when its seven years from its XXXX delinquency XXXX. 
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