23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was informed around XXXX/2017 by my mother in law that a debt collector was repeatedly calling her asking where I was. She was never given a company name or an agent name, but was given my social security number and birth date without asking for the information. My spouse then contacted the company and again they did not divulge who they were but did say to her that the original company was XXXX XXXX XXXX XXXX and it was an online payday loan, they freely gave my sensitive information out to her as well as other people by the same name as me. She was given their social security numbers and birthdays without asking for them. I then contacted the company to try to find out what the situation was and was told I was going to be prosecuted for a worthless check for a payday loan I had gotten in XXXX of last year. I was never informed of my rights or briefed on whether or not the call was being monitored or recorded, all they seemed to be concerned about was getting my credit card information. As of 5 minutes ago they are still contacting my mother in law and wife threatening prosecution and possible jail time if I do n't make a payment today. I have not received any written correspondence regarding this matter from them or my counties prosecuting attorney. I do not know my rights in this matter but I feel as if my name is being dragged through the mud unfairly by this " company '' to anyone that will answer the phone for them by freely discussing that I have a " worthless check '' and giving out my personal information and I know for a fact they are freely giving peoples personal information out without being prompted, men who have the misfortune of having a similar name as me. I fully understand paying what I owe and for what I 've borrowed but I do n't feel as if this " company '' is treating my information as sensitive as they should as well as other peoples. They call from numbers that come up as " private ''. I feel as myself and my family are being harassed and I 'd like to know my rights regarding this matter please. 
Thank you
Product: Student loan

I filed a complaint with the CFPB, XXXX, and Navient responded saying that my XXXX XXXX  loan was determined to be be XXXX during my XXXX but did not provide documentation or order from a court that showed this to be true. Navient only provided two letters they sent me that say my loan is being serviced by Navient and that my loan was not XXXX in XXXX but again with no proof from a document or court order that agrees with their position.
Product: Debt collection

15 USC 1681 Section 602 states I have the right to privacy In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a Account.
Product: Checking or savings account

Hello, Back in XX/XX/2017 I had went into a location and used my debit card to make a one time purchase. After weeks went by the third party merchant started taking reoccurring funds off of my debit card without my consent. I didn't sign any contracts authorizing this. Bank of America refunded my funds in the beginning but then a few weeks later my funds were taking back from Bank of America, they inturn told me that it was my word against the merchant. Please Help!
Product: Credit reporting or other personal consumer reports

Upon review of my Early Warning Services report, I discovered there were 109 checking and savings account transactions as well as 19 status history transactions reporting from XXXX XXXX XXXX XXXX without my consent. I contacted XXXX XXXX in regards to this matter and requested them to provide me proof that I agreed to them reporting these transactions and they couldn't provide me anything. I also requested to opt out of any reporting to non affiliates such as Early Warning Services LLC which they denied my ability to opt out. Pursuant to 12 CFR 1016.10 ( a ) ( 1 ), You may not disclose any nonpublic personal information about a consumer to a non affiliated party unless you have provided initial notice to the consumer as well as notice to opt out with a reasonable opportunity before disclosing the information to a non affiliate. These actions constitute a violation for willful non compliance under 15 U.S.C. 1681 ( n ) in which damages are {$1000.00} per violation per the FCRA. XXXX XXXX is also in violation within their own privacy policy terms in regards to disclosing my non public information to a non affiliate third party. I'm requesting the removal of all transaction history items from the Early Warning Services report as well as civil liability for willful non compliance in the amount of {$1000.00} per transaction ( 128 transactions ) = {$120000.00}
Product: Credit reporting or other personal consumer reports

Delete this account for Violation and inaccuracy because the last paid date for XX/XX/year> reported is incorrectly on Experian, XXXX and XXXX. In addition, number of late payments and status of account on Experian do NOT match with XXXX, and XXXX. Account of Late payments are incorrect, and Date reported are incorrect on Experian, XXXX, XXXX Account name XXXX XXXX Account number XXXX
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with Credit Control , LLC. They did not provide me with the original contract as I requested.
Product: Credit reporting 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. 

Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Mortgage

Your submission, [ Case number : XXXX ] I am very disappointed with Wells Fargo 's response, lack of interest, in my complaint that I was a victim of Bait and Switch tactics by Wells Fargo when I went to them 7 years ago when I need a second loan on my house to pay off existing debt and replace my roof! What is my next step in filing a complaint against them? XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting fraudulent accounts on my credit file and they are not complying with the FTC.or FCRA 1. XXXX XXXX XXXX XXXX 2. XXXXXXXX XXXX, fraud 3. XXXX XXXX, isnt mine All these account should be removed according to the FTC, FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX2018 XXXX XXXX XXXX ran my credit for no reason knowing that my family member did not need a co signer they just ran it to run it. I got 3 hard inquiries.They ran it through XXXX XXXX XXXX and XXXX. i ask them to call the financial and to get them to take it off my report they denied saying it want hurt my report but recently i applied for a credit card and was denied because of all the inquiries. I would really like for these three to be pulled off all three of my credit reports.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found multiple inaccurate and unverified collection accounts that require immediate correction. The following accounts are in dispute : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I demand a formal reinvestigation into these accounts. If the furnishers can not provide verifiable proof that these debts are accurate, valid, and legally owed by me, they must be deleted immediately from my credit report. 

I request the following actions : XXXX. A full reinvestigation of each disputed account as required by 15 U.S.C. 1681i. 

XXXX. The names and addresses of any entities contacted during verification. 
If the information can not be verified within 30 days, each disputed account must be deleted immediately per FCRA guidelines. 

XXXX. A Written confirmation once the accounts have been updated or removed. 
XXXX. An updated copy of my credit report reflecting these changes, as required under 15 U.S.C. 1681j. 

These collection agencies have failed to provide me with proper validation of these debts, yet they continue to report them, harming my credit profile. Reporting unverifiable information is a violation of my rights under federal law. 

Failure to comply with this request will leave me no choice but to escalate this matter further, including legal action for noncompliance and damages under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX DID NOT PROTECT MY PERSONAL INFORMATION SECURELY ENOUGH WHICH LED TO A HACKER GAINING ACCESS TO PERSONAL DATA
Product: Credit reporting or other personal consumer reports

A police report for identity theft has been filed for the following accounts and addresses : XXXX XXXX XXXXXXXX XXXX Opened : XXXX. XXXX, XXXX  {$4500.00} XXXX XXXX XXXX Opened : XXXX. XXXX, XXXX  {$4500.00} XXXX XXXX Reported : XXXX XXXX, XXXX  {$540.00} XXXX  XXXX XXXX Opened : XXXX. XXXX, XXXX  {$21000.00} XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX  {$170.00} XXXX XXXX XXXX  Opened : XXXX XXXX, XXXX  {$10000.00} False Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX
Product: Checking or savings account

I was locked out of my ally account for no apparent reason. I use Face ID and supposedly Ive entered my password wrong multiple times but I dont use a password. I called customer service and theyre no help I keep getting the same answer and I have no access to my funds, its just weird how I got locked out of my account for having it less than a week and nobody can give me an answer on how long this process will take.
Product: Credit reporting or other personal consumer reports

The credit bureau failed to validate these accounts that they are reporting as mines. This is the second attempt with failed responses and original documents.
Product: Checking or savings account

I was charged XXXX XXXX dollars eleven times for items PNC Bank didn't pay. When I set up my business checking account, I told the representative that I didn't want overdraft protection. I was credited back seven of the charges and was told I can't get the rest refunded back.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied on XXXX  for a credit card that says it will not affect your credit and only do a soft pull not a hard inquiry. The card lives in your wallet however its issued XXXX XXXX XXXX 

In the agreement it says you have to accept the card before they do a hard inquiry. I never accepted or was offered the oopourtunity to accept by email, phone, or any kind of XXXX XXXX XXXX told me they agreed and on XX/XX/2023 today theory would tell the credit bureaus thatbIn did not accept the card there for they cancelled the card and agreed. 2 days ago I received an email from XXXX XXXX saying after they didc their research just the applying counted as accepting the card. Please visit the apple site or I can send pictures with both the statement about no affect to my credit score and that I had to accept the card before they would do a hard inquiry which they didn't. I DID NOT ACCEPT ANYTHING
Product: Credit card

I applied a XXXX XXXX credit card from Synchrony Bank on XX/XX/2023. I used the promotion link which I indicated that I would receive XXXX XXXX XXXX miles after {$3000.00} spending in first 3 months. I met the {$3000.00} spending requirements within 2 months, and received the credit card statement which stated I would receive XXXX XXXX XXXX XXXX  on XX/XX/2023. But I have only received XXXX XXXX  until XXXX. I made XXXX phone call with the customer service, they said the XXXX XXXX XXXX XXXX  will post to my XXXX XXXX account on XX/XX/2023, but it was not posted until today.
Product: Credit card

The problem existed with a Bank America Credit card ending in XXXX and it was recently changed to a new card ending in XXXX. However, I was informed by you to reopen the case and I did. It was turned over to XXXX XXXX at Bank of America she thought it was a fraudulent activity that took place on XX/XX/XXXX. It was written up as a Fraud with the details that XXXX XXXX gave me to confer to the fraud department. My old card ( used in the fraud, ending in XXXX ) was instantly canceled and I was issued a new card ending in XXXX. The money was also refunded. I recently received a message from the bank stating the charges on the old card was made by me and I signed for the charges plus my PIN was used. I will contact the bank on Monday and XXXX XXXX because that particular card does not use a PIN or a Signature. I tried to contact the bank as follow but my email must be block : I read your letter concerning the account ending in XXXX associated with this new account number. However, the letter is inaccurate according to the information given. First : The old account ending in XXXX the information is inaccurate. The card did not have any PIN associated with it and no signature was required then and not required now. 
I have been a victim of Identity theft and apparently, it has been ongoing which can date back to the hacking date and scam date of XX/XX/XXXX. 
I recently had to reopen my federal credentials and federal papers due to a lack of the bank and law enforcement allowing information federally to become public information for scammers. I will contact XXXX XXXX of your bank about the decision of your choice because it has been acknowledged that someone tried and is trying very hard to be me but has no federal credentials for me. Consumer Finance.gov and CAC requested I reopen the case. XXXX XXXX of your bank said it was a fraud. 
You should have reviewed that account, and you would realize it requires no PIN or signature for any transaction. Therefore, you would have to show me my signature and my pin for me to accept your decision. If you can not show me this proof of agreement for the amount in question, I am returning to CAC, the Office of the Comptroller regarding bank disputes. 
I could not get the email submitted nor was I able to dispute the letter or do a rebuttal. I am not sure how to submit but the initial request to reopen this case was from your office and Office of the Comptroller of the Currency. Case # : XXXX I could not get into my account with your office.
Product: Checking or savings account

If I recall right, it was around XX/XX/2020. My business partner, took me off our Navy Federal Credit Union business account, by fraudulent means, using my ID, my signature and my company email that he had access to. He created the XXXX emails so he could use mine. And convinced the bank to take me off our account, without verifying it was me. If we have to come into the bank to open the account and show ID and sign docs, would it be reasonable to ask to do the same, if I were to take myself off the account or at least do a zoom meeting to make sure it is really the person in question. Without a thought my ex-business partner committed fraud and the bank was sloppy in its handling of it. Due to the bank being negligent in their duties, to protect their customers. I could not get bank statements, to show proof that I paid a credit card off and now the credit card company did a charge off and it caused my XXXX score to go down and effected me to get other loans for business and personal use.
Product: Debt collection

I had to fill in a wrong reason. I was a victim of a crime which has now passed the statue of limitations for collection the Ford motor company has ignored this and turned me over to a very disreputable company which has many complaints on your site the company is XXXXXXXX XXXX  XXXX, which are collection Attorneys at work for Ford. The statue of limitations here in California is 4 years that has passed and at 5 years or a month or two short of that. And researching the company I see they used tactics like getting judgments and the person never knew they were sued that sort of thing since the statue of limitation is being ignored I'd like this company to stop contacting me and never put anything on my credit they never contacted me about the debt and I see they have access my credit report and put on a hard inquiry and of course no lawsuit filed since after 4 years a lawsuit is not permitted
Product: Credit card or prepaid card

I have told the bank I have not received the item and that the merchant refused to refund me the amount, the bank has not tried to resolve the issue and the evidence they showed, doesnt show the apartment number on the delivered address. The tracking number shows that it hasnt been delivered as well and USPS doesnt have information on the package, I request CFPB to resolve this matter
Product: Credit reporting or other personal consumer reports

Looking at my credit report I saw late payments on an account that Ive always paid on time. Credit reports are the focal points in todays society and without it the world is doomed, this missed payment is not accurate and I kindly ask for you update this account and remove these late payments from my credit report on the account listed below. 
XXXX XXXX XXXX XXXX XXXXXXXX Amount : {$530.00} Account number : XXXX Opened : XX/XX/year>XXXX  b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates Please provide documentation proving that I was ever late paying on this account if you arent able to provide proof I ask and demand the accounts to be updated with true status of showing on time payments. Ive always paid my accounts on time without delay. Thanks
Product: Credit reporting or other personal consumer reports

I received a copy of my credit reports and am writing to dispute the following fraudulents accounts and information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

On Tuesday, XX/XX/XXXX, I encountered an unexpected financial hardship. I sought to find a company that appeals to veterans ; I am a XXXX veteran. I came across National Small Loans. I applied and was approved in little time. Moments after approval, I received a call from a rep advising that I was approved for {$600.00}. This was great news, so I thought. The rep sent over an email for an eSign but as I read through the details it seemed incredibly predatory. My 1st payment was to be due 10 days later in the amount of {$310.00}, with the same payment amount for a full schedule that would've ultimately cost me thousands for the XXXX. When I became reluctant, the fast talking rep insisted I sign the contract while still on the phone and I wasn't comfortable with that. I asked for time to think about it. Fortunately, I was able to borrow the money from a family member and I wouldn't be charged excessive interest. Within a few minutes, I began receiving calls and emails from NSL pressuring me to sign the document. I replied that I no longer needed their loan and that I would like to resend my application since it was never signed. They made that process incredibly difficult and still sent emails urging me to sign. I sent a final email reiterating that I no longer needed their loan and kindly requested they disregard my app. After that, I received an email which stated that they regret to inform me that bc of my credit profile, they could not approve me at this time. Not only was this confusing but it was also very vindictive. As a veteran-consumer and an abiding citizen over all, I expected them to leave me whole and not try to demolish my credit profile simply because I chose a better lending option. My only fault is not reading their reviews before applying. It was disheartening to sit and read dozens and dozens and dozens of negative reviews from people with a similar story. Predatory lending should be unlawful, and if you can help stop these people from kicking people while they're already down, you will do this world justice. Thank you kindly.
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 *DEPT OF EDUCATION/XXXX XXXX *DEPT OF EDUCATION/XXXX XXXXXXXX *DEPT OF EDUCATIONXXXX XXXX *DEPT OF EDUCATIONXXXX XXXX *DEPT OF EDUCATIONXXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Balance has a XXXX balance. credit report show XXXX dollar balance