23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I'm reaching out regarding a troubling matter of XXXX XXXX that's directly affected me. Unauthorized accounts have been opened in my name, causing significant distress. Particularly alarming is a XXXX associated with XXXX, which I firmly deny involvement with as I never agreed to any terms with your company. Despite my repeated efforts to address this issue, you have failed to provide convincing evidence validating the account 's legitimacy. 

Complicating matters, XXXX seems to be dismissing my concerns despite submitting disputes and providing a detailed XXXX report. Additionally, the XXXX XXXX XXXX has resulted in the fraudulent opening of XXXX other accounts in my name. To compound the situation, XXXX XXXX XXXX is pursuing me for a debt related to an account I have no knowledge of. 

I seek resolution and request a thorough investigation into these matters. Any claims made against me should be supported by tangible evidence, including the original contract with my physical signature. I urge for prompt attention to this issue to rectify the inaccuracies and alleviate the undue burden on my financial standing.
Product: Mortgage

In late XX/XX/XXXX, LoanCare , LLC ( XXXX XXXX  XXXX ) incorrectly purchased hazard insurance for my mortgage loan. Upon calling numerous times, LoanCare responded and said that they recently erroneously updated the date of my insurance expiration to XX/XX/XXXX instead of XX/XX/XXXX. They also responded and said that the insurance premiums would be refunded to my escrow account as a result of their error. 

On XX/XX/XXXX, I received an update to my mortgage loan requesting an additional {$440.00} as a result of the negative escrow balance from the illegally and incorrectly purchased insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I got a message from a friend to send him money on CashApp and I did and as soon as I sent the money the name changed and I was blocked. I reported to CashApp and they emailed me saying to contact my bank and the bank told me there was nothing they could do.
Product: Credit reporting or other personal consumer reports

I have constantly contested the inaccuracies in the following information with XXXX and Transunion and unfortunately, the issue remains unresolved to this day. 

XXXX : Public Record : Type : XXXX XXXX  Bankruptcy Reference # XXXX TransUnion : Public Record : Type : XXXX XXXX  Bankruptcy Reference # XXXX
Product: Debt collection

I've sent a validation letter and needed proof, been trackign my credit and will be investigating this further as I paid off a significant amount of debt from a credit card company I had never used for business purposes. I put my cards away, rented out my room, and saw people abusing their privileges by letting strangers stay. I was threatened to buy gift cards right away when I was informed that I was out of town recovering from another incident in which my phone had been hacked into accessing my accounts. My assistant informed me that when I returned, there were damages, credit cards, IDs, and SSNs taken, food missing, doors unlocked, and the car was in use, so I have started to place police reports that lead to dead ends. When I saw that a car loan and a loan under my primary account were being attempted or actually taken out, I was informed that I had no other approved account holders when I checked my phone 's app. To cut a long story short, I thought the accounts were safe and inactive until they were hacked and stolen. Later, I began to receive letters from Reassurgent regarding debt collection. I have requested verification of this debt and asked if they have any other DBAs to furnish the same information, as I informed them of my experience. In order to prevent myself from becoming a victim of these crimes, I have implemented security freezes and the bare minimum on these accounts. In addition, I received unopened mail dropped off at my apartment that the representative was mailing to the incorrect address, exposing my personal information once more to the public and damaging my credit, which had already suffered greatly due to my carelessness with my accounts and credit. Despite my best efforts to resolve the situation, my credit is still suffering greatly. If these were not fraud charges and all mine, they would have been paid accounts, as I had automatic payments on every account because I was to busy to do XXXX time payments, which was not a problem because I was able to afford the payments.
Product: Credit card

I noticed that I had something negative show on my credit report for more than 30 days from XXXX XXXX. 

I suspected fraud on a card that I had for just 4 months. I called to report it and close the account. I closed my account due to suspected fraud. 

So, I called to find out why they didnt remove the charge. They claimed that they have been sending me a bill but they werent.. they had an email address from my XXXXXXXX XXXX  and that is no longer my email address and no one there was able to help me get it changed. 

I disputed again XXXX more times and each time, the bank credited my account until the dispute was complete. They removed XXXX of the XXXX dollars and left me accountable for XXXX dollars that I paid at that point. 

Now, I have on over due payment 6 months not being paid on TransUnion. I have filed multiple disputes with them. They only respond that the information on the credit report is accurate. I have been denied home loans over this XXXX dollar charge. I would have let them rip me off on XXXX dollars if I knew this was going to impact my credit rating. This just seems unethical since it wasnt like ignoring my bill. I was trying to do the right thing and now I am paying for it. 

I also spoke with the manager and she told me that she was filing a dispute on behalf of XXXX XXXXXXXX to TransUnion. That apparently didnt help either.
Product: Checking or savings account

I am writing to address a troubling issue regarding the closure of my business account with Navy Federal and the subsequent inability to access my funds or open a new account with you.

I previously deposited a check from a client into my Navy Federal business account, which was subsequently flagged by the bank. Navy Federal informed me that the check was fraudulent. However, I contacted the issuing bank ( bank of Texas ), which confirmed that the check was legitimate and not fraudulent. I provided this verification to Navy Federal as proof, but despite this, my account was closed with the decision communicated that I would never be able to open an account with Navy Federal again. 

Despite this decision, my account remains open, and my funds are still held there with dividens still being collected with no access granted to me. I believe that this situation stems from a misunderstanding related to the check in question, which was verified as valid, and I am concerned that I am being unfairly penalized and held hostage by this unresolved issue.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received via mail a stall letter along with statements and a cardmember agreement from XXXXXXXX XXXX XXXX XXXXXXXX, and no proof that this account belongs to me. 

I previously requested debt validation and they have failed to provide debt validation within the 30 days, as requested and failed to remove the alleged debt. 

XXXX furthermore, advised that they are unable to provide me with documentation of my signature for this account.
Product: Debt collection

On/about XX/XX/XXXX, I received a notice from collections agency Capital Accounts claiming that I owed {$53.00} to a company called XXXX XXXX for an XXXX exam I had back in XX/XX/XXXX. 

I replied to Capital Accounts on XX/XX/XXXX via a certified letter ( copy attached ), indicating that I was disputing the debt, and asking them to verify the debt. I also informed them that because I was disputing the debt, they should not report it to the credit reporting agencies, and if they had already reported it, to please contact the credit reporting agencies and inform them that the debt is disputed. I also said that aside from verifying the debt, they should not contact me again. 

I never received any further written communication from Capital Accounts, and certainly no verification of debt, but I did receive at least two phone calls. One of the calls was indeed threatening in nature, where the caller started off the call by yelling at me and saying something along the lines of I had 'better pay up. ' In the meantime, I had reported the issue with the medical provider to the PA Attorney General 's office. The AG 's office launched an investigation, but where unable to resolve the issue with the medical provider. I maintain that the medical provider engages in dishonest billing practices, but decided to just pay the {$53.00}, rather than hire a lawyer. The final letter I received from the AG 's office was dated XX/XX/XXXX. On XX/XX/XXXX, I submitted payment to Capital Accounts via their website. 

I just today ( XX/XX/XXXX) received a recent copy of my credit score, and it seems that Capital Accounts reported the " debt '' to credit bureaus anyway, which I understand goes against my rights as a consumer. I would very much appreciate an investigation into this matter.
Product: Credit reporting or other personal consumer reports

I have been trying to fix my credit, I sent multiple letters to Equifax, but they are not complying with : 1 ) 15USC 1681e ( b ) : Failure to ensure the accuracy of consumer reports.

2 ) 15USC 1681s-2 : Neglect of duty to prevent and correct inaccuracies.

3 ) 15USC 1681i ( 5 ) : Failure to delete inaccurate or unverifiable information.

4 ) 15 USC 1681C : Continued reporting of outdated information. 
I have enclosed proof of Equifaxs continued violations.

I request the the disputed accounts be deleted, due to Equifaxs continued violations of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that FACTUAL DATA have placed an inquiry on my XXXX credit file dated XX/XX/2019. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both FACTUAL DATA and XXXX to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''
Product: Credit card

Citibank obtained my credit report without my authorization. I requested a credit line increase on XX/XX/2016 through Citi Online self service. At the time of my request, a disclosure explicitly stated and I quote, " It 's easy to find out if you qualify for a credit limit increase. A credit bureau report will not be requested and you will receive an instant decision. '' Therefore, I went ahead submitted my request and received a confirmation email the next stating my request has been received and will be reviewed. I 'll be contacted with a decision. Several days later, I noticed my credit line has been increased. This happened without further communication from Citi. Earlier this month, when I was reviewing my XXXX consumer report, a hard inquiry dated XX/XX/2016 was placed on my credit report by Citi. I consider this an unauthorized since Citi stated explicitly a credit report would not be pulled and I did not provide my authorization for Citi to do so. This could potential prevent me from obtaining other financial products or receiving a higher interest rate than I would without this inquiry. I 've contacted Citi several times and was placed on hold and transferred with extended period of time with no solution provided. Eventually, I was asked to send a letter to a PO box in order to have this reviewed. I do not feel the burden of proof should be on me since this is clearly an error by Citi. I would like to leverage the assistance of your agency to have Citi resolve their error and the inquiry removed from my consumer report as soon as possible.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against Experian for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, Experian has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C. & 1681 e ( b ) and conducting a proper reinvestigation to remove the errors within the required 30-day period ( 15 U.S.C. & 1681 ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. " XXXX XXXX Inquiry : XXXX XXXX, 2022 '' my ssn : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Previous address : XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Prepaid card

Ok I got on my cash app account I had funds in my XXXX XXXX  XXXX and something all together when I go back all my money is gone. I been trying to get my funds for a long time. Still nothing. I even have evidence of it I told cash app they said nothing could be done
Product: Credit reporting or other personal consumer reports

On XX/XX/year>. I looked at my credit and noticed some inaccuracies. I sent a letter to Transuion on XX/XX/year> asking them to investigate these accounts XXXX XXXX XXXX XXXX. I sent it certified mailed here is my tracking number on XXXX XXXX XXXX XXXX XXXX, they sent me their investigation and said those are verified accurate. And according to 15 USC 1681 ( 5 ) I see it states after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, and item of the information is found to be inaccurate or incomplete or can not be verified. The credit Bureau did reinvestigate and violated my right.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently requested my credit reports and discovered a {$720.00} collection account ( account #   XXXX   ) being reported by   XXXX   XXXX   XXXX   in   XXXX   2017 for   XXXX   XXXX  . I was not properly notified of this debt, and therefore, was not able to request proper validation for this debt as it is past 30 days. As they are in violation of the FDCPA, specifically ( 15 USC 1692g Sec. 809 ( b ) ), I disputed this collection account with all  XXXX  credit reporting agencies to have it removed. This account came back as validated, and I believe this debt was illegally reported.
Product: Student loan

Refinanced existing student loan through XXXX XXXX. Never received proper communication on the process. Suddenly completed. When repeatedly called to inquire on amount to pay : Told in XXXX that nothing will be due in XXXX. Followed what they said. ( Had an unrelated problem with personal checking account ... .fraud. So had to close personal checking and open a new one. In process, a payment to Navient was returned. ). Constantly called to resolve all outstanding amount. On XX/XX/19, Navient advised me to pay {$500.00} installment plus {$830.00} past due. Both payments posted XX/XX/19. 
Received no less than 6 phone calls yesterday ( XX/XX/19 ). Answered when free and told I am still in arrears. Put on hold and no one ever came back on the line. 
I feel that Navient is being devious. They tell me first to pay nothing for a month or two.  Then they tell me I am in arrears and so in forbearance. I pay all that I am told to pay to avoid forbearance. Six days later, they are calling me again claiming I am in forbearance.
Product: Credit reporting or other personal consumer reports

The wrong personal information is on all 3 of my nation wide credit reporting companies XXXX, XXXX, Equifax, and fico score also.
Product: Debt collection

Theres a company that conrinues to call my work telling my boss details about me going to court..the last time i was contacted by them i did believe i seriously owed this debt because they kept calling my number threatming to call mt boss if i dident pay..i told them if i owe why do you have to call my boss just send me paperwork and they said we have to let them know who they hired someone who doesnt pay so out of embarrassement i gave them my debit bamk information and they took XXXX from me and XXXX after that i had to borrow the XXXX cus i dident have it right away..well in XX/XX/XXXX i was calling them to change the date of the XX/XX/XXXX payment because of XX/XX/XXXX and for 4 days straight all throughout the days i called.they never answered..so i called my bank to ask if they knew if this company that was withdrawning payments was ligit. If they were really collection company..they asked me for the number and so when they called it they never answered them either and they opened up a investigation that it was fraud..i then looked up the company 's name that was on my bank statement like when they took the money and there were so many complaints of people that they were withdrawing money from those people almost like my incidents. My bank told me to go immediately to the branch to close my account and that they would issue me a new account because it was fraud..so i did. Well during the time when the payment was to post from them out of my acct. My bank was already closed and they called me once that week but never left a message and the week after as well again no message. Well we are now in XX/XX/XXXX week and they called my work They told my boss that he needed to take the call seriously because i owed a debt and i was going to court. My boss told the person calling that this was a business and that any correspondence needs to be sent to human resources in XXXX and not to him or to the business.if i really owe this debt should n't they send me something in writing what debt i owe and the actual name of the collection dept with their phone number? Do they have the right to call my boss to give details of a dept i owe..i want the details in writing and my bank told me no to give my debit card to a collection unless i have something in front of me in writing..please help me I need them to stop calling my boss.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts on my credit are multiples and needs to be removed. XXXX was never an company i used, that would be considered identity theft. And for the last two, I was never late on my payments. I tried to rectify these and had no luck. Please assist me. Thank you Accounts XXXX XXXX XXXX This account is a duplicate, please remove. 
XXXX XXXX XXXX This account is a duplicate, please remove. 
XXXX XXXX XXXX I was never late making a payment on this account. 
XXXX Please correct immediately. 

XXXX XXXX I was never notified by the creditor that my XXXX payment was late. Please delete this late payment.