23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw that on or around XXXX, I saw a lot of pre-approvals on credit karma. At first I didnt pay it any attention but, credit karma kept sending me all sorts of pre-approvals telling me that I was pre-approved for credit cards, personal loans and that I can refinance my car. Every day I would see these offers ever time I logged in to check my credit scores. So after a few months of being told that I was pre-approved, I thought I was now in the perfect place to apply. I go so many offers thru credit karma I started telling my family about vacations and investments that we were going to use these pre-approvals for. So I finally applied on or around XXXX at least XXXX times within that timeframe, but I got denied for credit cards, personal loans and other offers. I was disappointed and heartbroken. Credit Karma told me I would be approved but, it was all a lie. They violated FCRA and my consumer rights.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Consumer SSN : XXXX Consumer DOB : XX/XX/XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : DEPT OF ED/XXXX ; Under the Account Number : XXXX ; Opened On : XX/XX/XXXX ( REMOVE IMMEDIATELY ). These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The XXXX Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX Attached below are supporting documents -A Letter formally detailing the information of my dispute and stating consumer laws -A Fraud Affidavit -Copy of US Issued ID ( Proof of Identity ) -Copy of SSN -FTC ( Federal Trade Commission ) Identity Theft Report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX accounts listened below, has violated my rights 1. Account name : XXXX XXXX XXXX  account number : XXXX 2. Account name : XXXX XXXX XXXXXXXX XXXX Account numberXXXX 3. Account name : DEPT of ED/XXXX Account numberXXXX 4. Account Name : XXXX  Account number : XXXX 5.Account Name : XXXX XXXX XXXX Account numberXXXX 6 . Account Name : XXXX XXXX XXXX XXXX account number : XXXX 15 U.S.C 1681 section 602 A. States I have 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: Debt collection

Formal Complaint Against North American Recovery Violation of Credit Laws To : Consumer Financial Protection Bureau ( CFPB ) Dear CFPB, I am filing a formal complaint against North American Recovery regarding an unknown or unverified account appearing on my credit report. This collection account is inaccurate, and despite my attempts to request validation, the company has failed to provide sufficient proof of the alleged debt.

Complaint Details : The account in question does not belong to me, and I have no knowledge of its origin.

Under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), a debt collector must provide validation of the debt upon request. North American Recovery has failed to provide proper documentation proving I owe this debt. 
Under the Fair Credit Reporting Act ( FCRA ) 611, inaccurate or unverified accounts must be removed from my credit report. Since the debt has not been validated, it should not be reported.

The company has exceeded the 30-day response window required for debt verification and has continued to report the account to credit bureaus in violation of federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several credit card companies reporting false information to my credit report. As a result of this false and inaccurate information I am having adverse affects. This information being reporting inaccurately is causing my quality of life to be XXXX of dispaear. I am demanding that the following credit card companies immediately remove all of these inaccuracies from my consumer report. 

XXXX XXXX XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Utility that was to be satisfied as part of a foreclosure settlement with the mortgage holder
Product: Checking or savings account

My Collateral Loan on date XX/XX/2017 was mismanaged by NFCU. My attached letter and attachments 1-7 will provide the necessary details of my compliant.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX XXXX XXXX and TRANSUNION for blatant violations of my rights under the Fair Credit Reporting Act ( FCRA ), Code of Federal Regulations ( CFR ), and the Privacy Act of 1974. I am seeking accountability, vindication, and compensation for their willful disregard of the aforementioned laws, specifically related to the unauthorized disclosure of my nonpublic personal information.

Consumer Reporting Agencies, as defined by the FCRA ( 15 U.S.C. 1681a ( f ) ), play a critical role in assembling and evaluating consumer credit information. TRANSUNION, being a Consumer Reporting Agency, is obligated to adhere to the stringent requirements of the FCRA, ensuring the protection of consumer privacy ( 15 U.S.C 1681 ).

Details of Violations : 1. **Opt Out Notice : ** On XX/XX/XXXX, I explicitly directed XXXX XXXX XXXX  to cease reporting my personal consumer information to third-party affiliates through an opt-out notice, as per 12 CFR 1016.7. Despite this, XXXX XXXX XXXX continues to report my information to TRANSUNION, directly violating the FCRA. ( Opt-out notice attached. ) To cure any ambiguity, TRANSUNION does not have my consent to furnish any personal information, whether it be verbal, non-verbal, written, implied or otherwise, is REVOKED! 

2. **Disclosure of Nonpublic Personal Information** XXXX XXXX XXXX, a financial institution, disclosed my nonpublic personal information to TRANSUNION without proper notice or consent, violating the Privacy Act of 1974 ( 5 U.S.C 552a ) and the FCRA ( 15 U.S.C code 6802 ).

3. **Exclusion of Transaction and Experience Information** XXXX XXXX XXXX included transaction history in reported information, violating the exclusionary provision of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), causing significant financial and emotional distress.

4. **Adverse Item of Information** XXXX XXXX XXXX is reporting adverse information without my consent, affecting my credit. This directly violates 15 U.S.C 1681C ( a ) ( 5 ) and the FCRA.

Remedial Actions Demanded : 1. Immediately delete any reports or disclosures made by XXXX XXXX XXXX to TRANSUNION containing my personal information, specifically transaction history. 

2. Compensation for Damages : Under 15 U.S. Code 1681n, I demand compensation of { {$1000.00} } per violation for the damages incurred due to willful noncompliance. My fee invoice will be sent to TRANSUION directly.

I kindly request the Consumer Financial Protection Bureau to take swift action against XXXX XXXX XXXX  and TRANSUNION to ensure compliance with the laws and regulations outlined above. Your intervention is crucial to rectify this situation promptly and hold both the banking institution and reporting agency accountable for their unlawful actions.

Enclosed are supporting documents detailing the violations and their impact on my financial and emotional well-being. I appreciate your attention to this matter and await your prompt action.
Product: Credit reporting or other personal consumer reports

Have been working on this issue since XX/XX/2021. Could not close on my condo and sell it because of this lien. XXXX would not work on this issue with XXXX XXXX. Lost 2 sales
Product: Debt collection

I received several phone calls from XXXX XXXX stating that I owed XXXX XXXX and he was wanting me to settle this debt before they end out a summons to take legal action against me. I informed XXXX that I paid my loan and that I have the document to prove that the loan was paid. He asked me to email the documents and I refused and asked for his address. He gave me a XXXX. XXXX. He continues to call and demand payment and has stated that the loan must have been sold and that I had additional payments to make. The loan amount he stated is not what I paid and the loan was paid over 1 1/2 years ago.
Product: Checking or savings account

I opened a Trust Checking account on XX/XX/XXXX, No checks were required for the account, Blank Checks were issued by the Bank anyway that were not ordered. XX/XX/XXXX The Bank mailed the Blank checks to an incorrect address. 
The Blank checks were intercepted by someone and wrote fraudulent checks against the account draining the account. Total {$14000.00} ( XX/XX/XXXX to date ) No statements, alerts, calls or notices were sent to advise me of the fraud against my account. 
I did not issue an online account until i was ready to use the funds I called customer service as to assist me to login to the account as i could not log in. When logged into the account XXXX/XXXX/XXXX, I saw that the account was in the negative. 
All the monies had been drained from the account and I was being charged fees for having a low balance and return checks fees. 
I immediately as for a claim on the phone with the claims dept and filed a police report, On XX/XX/XXXX I called the bank as i had not received the fraud packet and they informed me that my claim was denied. I submitted a dispute telling them that they send checks i had not ordered to the wrong address. Then i immediately received a second denial. 
I just want them to honor the fraud as i did not order the checks to begin with.
Product: Credit card or prepaid card

I would like you to look into how Citigroup determines how much the mininum payment should be. I have had credit since XX/XX/XXXX. I expect the minimum to go up if I have defer the interest and did not get payoff on time or if I have miss payment or had late payments or if I had use the credit card. But my account with Citigroup is closed. I closed my account in XX/XX/XXXX. These are the minimums that they have charge me on my account. The minimum goes down and then jumps back up. The minimum should be staying the same or go down. Here is the listed. month year minimum XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$97.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$98.00} XX/XX/XXXX {$99.00} XX/XX/XXXX {$99.00} XX/XX/XXXX {$96.00} XX/XX/XXXX {$98.00} XX/XX/XXXX {$90.00} XX/XX/XXXX {$95.00} XX/XX/XXXX {$88.00} XX/XX/XXXX {$97.00} XX/XX/XXXX {$91.00} As I stated early I have had credit since XX/XX/XXXX, my minimum on my statement either stay the same, goes down if I do n't use the card, or goes up if I had use the card or had defer interest that I did not get payoff on time. But on a closed account the minimum should stay the same or go down only. I hope you will look into to this. Thank you XXXX XXXX
Product: Student loan

I paid my student loan off in full to MOHELA in XXXX. I overpaid them {$120.00}. After I paid them they transferred my loan to XXXX. MOHELA never sent them all the payments that I made so I showed proof to EdFinancial to show them that I overpaid MOHELA {$120.00} and need a refund. Neither companys willing to be accountable and point the blame to the other to deal with it. No one has been able to help me with this.
Product: Credit card or prepaid card

I was paid in full with this account. They closed it without prior notice. I did not close this account. They " used '' false information from my credit report, claiming false information on my credit report about my home loan?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this collection agency has violated my rights under 15 USC 1681 section 602 ; states I have the right to privacy. 15 USC 1681 section 604A section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions. I have not supplied proof under the doctrine XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists. Under 15 USC 1666B ; a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose an is reporting an open account with a past due balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian has not fix my credit report or fico score after sent them documents
Product: Checking or savings account

On XX/XX/ 2021 at about XXXX XXXX a fraudulent company impersonating a XXXX XXXX  support representative was able to to gain access to my bank account and transfer two amounts from my bank account the first being {$190.00} and the second being {$950.00}. I filed a claim with chime bank and was denied any resolution. Chime bank sided with the scammers and refused to refund my money or even question the scammers leading me to believe that the scamming came from inside the bank itself which would explain how they were able to take control of both my savings and checking accounts. I thought banks protected their customers not sided with scammers.
Product: Money transfer, virtual currency, or money service

PayPal advertisement claims that it sends money to XXXX, so on XX/XX/2019, I sent {$50000.00} to a person in great need due to an emergency. 
The person was unable to retrieve the money, his bank XXXX did not work with PayPal. 
I called Paypal several occasions asking how this money could be received. When able to receive a call back the worker could not understand or give me an answer. 
Now 11 days later the money is returned to me and Paypal is charging me a fee of US {$22.00}, so charging me for their mistake. I have not accepted this incomplete money. I want to proceed with a claim. Paypal needs to stop its misleading advertisement, and pay for the pain and suffering that this event cause to myself and the family in XXXX. 
Cordially, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 16 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. ! 5 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have five fraudulent inquiries appearing on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My name is XXXX XXXX and I am the Successor Trustee of the XXXX XXXX XXXX XXXX of XXXX XXXX, deceased. XXXX XXXX contracted with a XXXX, XXXX XXXX XXXX XXXX XXXX in XXXX to perform several projects at her home that were never done. XXXX was securing funds from a company called XXXX. The project file numbers with YGRENE # XXXX and XXXX. The XXXX projects total approximate $ XXXX and a special tax lien has been placed on the property. In researching the situation none of the repairs were done. I contacted XXXX asking for help in resolving the problem and was told that I needed to speak with the XXXX. I ask them to contact the XXXX with me on the phone. They couldn't and neither could I. Then they told me to get a copies of permits pulled to do the work from the city. I contacted the City of XXXX and was advised there were no permits pulled. I then asked for copies of the checks where the contractor was paid. They refused. in doing additional research I found that this is not uncommon for XXXX and that many customers have been scammed by this program. I have multiple emails and additional information available upon request.
Product: Money transfer, virtual currency, or money service

I tried to use XXXX with my Ally checking acct on XX/XX/2023 to send {$460.00} to a contact XXXX XXXX. I got a message from Ally bank that I needed to call them to verify my identity. I have called four times and every time the customer service rep for Ally says it has been verified and the hold on XXXX transfer to XXXX XXXX removed and transaction should go through now. It has not released hold on XXXX acct. Now Ally says they can not help me remove the hold.
Product: Mortgage

My mother became ill last year and I had used up sick time and PTO after XXXX XXXX just prior to that. I took additional time off to be with her during her passing in late XXXX XXXX, resulting in several lost work days/time. I became 2 months late on my Mortgage. Then in XXXX my checking account was compromised, losing just over {$2000.00} on the deposit day. As my account was locked for 2-3 weeks to be investigated and return of funds, I was nearing being late on a third mortgage payment. I called my servicer ( PHH/Ocwen ) XXXX They offered me a forbearance due to hardship ( namely covid ). This was for 3 months. Nearing the three-month end, I had not heard from them and called them. I was asked if I could resume my payments, and I verified that I could. They declined this and extended my forbearance, against my protest, for an additional 3 months. Again, at the end of this 3-month period, I had to call them. They sent me a loan modification request. I got it notarized and sent it in. They sent me a vague letter that it had been declined. When I called, I was told that I had not signed my maiden name on it. This was not indicated in the 'sign here ' area and was not instructed in the ( again ) vague packet they sent me. They told me how to sign and I took a second pack to another notary, sent it, and they declined it because the notary had not signed it the way they wanted. When I called, they said they would send me a notary from the company, who knew how everything needed to be. When I met this notary, I discussed the issue, and she reviewed the info from the pack. She saw no indication to sign any differently and actually instructed me to sign as written. This third attempt has just been denied, the modification has been cancelled. I called the company, after receiving that third and final declination letter, and the person acknowledged it was a clerical error on THEIR part, in underwriting. The representative said she was sending an appeal and a new packet to me to reapply. This I know will be declined, as the hardship has passed and XXXX relief has ended. I owe just over {$26000.00} on my mortgage and the home beside me, less square footage, yard etc, just sold for $ XXXX. PHH/Ocwen has been sued for {$74.00} XXXX in 2017 by the US government XXXX XXXX XXXX XXXX due to fraudulent loan activity. They have had numerous other filings listed against them. I contacted legal assistance through a HUD referral. They representative told me this is a predatory lender, well known to him. XXXX, my legal representation has started a Lender Compliance Program with me and have reassured me that PHH can not foreclose and that I will protected. This service is costing me {$4000.00}. I have not received any letter of demand yet or any threats or letter/talk of foreclosure. However, I feel my home is at stake here and feel the foreclosure laws of WV do little to protect the buyer from these lenders.
Product: Money transfer, virtual currency, or money service

Robinhood restricted my account XX/XX/XXXX. After much effort on my part to get it unrestricted, they are now terminating my account. My positions are all currently at a loss and I do not want to liquidate my stocks and XXXX  due to the tax implications and the fact that the crypto market is so volatile, I won't be able to get in at a good price on XXXX.
Product: Credit card or prepaid card

I contact chase bank to do a balance transfer to pay off my other credit cards and they are unable to do so and they told me that the promo is discontinued on XX/XX/XXXX and I have to wait for long time do so and Im little behind on my other credit cards bills and I would need to do a few smaller transfers and I will pay the interest along with it and chase refused to honor my request