23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XX/XX/year> We called XXXX different XXXX numbers for the BMO banks for customer service. My husband called The XXXX and the customer service rep seemed sketchy and insisted they have XXXX managers or supervisors to help us. Our passwords, ssn 's aren't working. The call sounded like a bunch of people in a call center and nothing about the interaction my husband had with these people seemed legitimate. We are concerned the bank 's phones numbers or system has been hacked, but we have no one to verify anything. All of our money could be gone. 

We can not access our bank accounts at all and no one at BMO on the evening of XX/XX/XXXX could help us. How is that possible? How can they not have a single person to help if someone has been locked out of all their bank accounts? We believe our accounts have been hacked, but we can't confirm because we can not access our accounts. Something isn't right with BMO.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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 XXXX XXXX ssn:XXXX DOB XX/XX/XXXX 2 years address : XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX Balance {$1200.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance details 0 % of this account is paid off Balance on XX/XX/XXXX {$9400.00} Original balance {$9400.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX. 
Balance details 0 % of this account is paid off Balance on XX/XX/XXXX {$8500.00} Original balance {$8500.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Seriously past due date / assigned to attorney, collection XXXX XXXX XXXX Original creditor : XXXX  XXXX XXXX XXXX XXXX details 0 % of this account is paid off Balance on XX/XX/XXXX {$1000.00} Original balance {$1000.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. My complaint is for my XXXX  who want to purchase a home and want to get prequalified by me pulling their credit reports with all 3 bureaus. 
I warn them about the oncoming calls after I pull their credit. I also advise them to go to the XXXX website. 

After I pull their credit reports, they are immediately bombarded with mortgage companies calls due to the bureaus selling their information. My client yesterday, texted me " how do I make it stop!!!! '' I gave her the optoutprescreen website info, though it will not stop the calls until 5 days then it is for 5 years. 

I am not an attorney, but this does not seem fair to the customers. It does not seem lawful for the bureaus to take this information and to be able to sell, share or whatever. 

In my customer 's words, " Make It Stop!!! '' she wails!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the information that was reported to XXXX by your institution, CAPITAL ONE. I have recently become aware that my personal information has been disclosed to XXXX without my consent, which is a clear violation of my privacy rights as a consumer, as outlined in 15 USC 6801 ( a ). According to the Gramm-Leach-Bliley Act ( GLBA ), financial institutions like yours have a legal obligation to protect their customers ' nonpublic personal information and maintain its confidentiality. This includes ensuring that sensitive information is not shared with third-party agencies such as XXXX without the explicit consent of the customer involved. I specifically dispute the following unauthorized information reported to XXXX : Release of Personal Information : I did not provide any consent, either written or verbal, for CAPITAL ONE to release my personal information to XXXX. It has come to my attention that my nonpublic personal information was shared without my knowledge or authorization, which is in direct violation of the protections afforded to me under 15 USC 6801 ( a ). I demand that you promptly investigate this matter and provide me with a comprehensive explanation of how and why my nonpublic personal information was disclosed to XXXX without my consent. As per the Fair Credit Reporting Act ( FCRA ), I also request that you provide me with a copy of any information you shared with XXXX related to my identity and accounts. If it is found that my information was, indeed, released without proper consent, I demand that you take immediate action to rectify the situation. This includes removing the inaccurate information from XXXX ' records and notifying them of the correction. Additionally, I expect a written confirmation from your institution that these corrective actions have been taken. Please be aware that the unauthorized disclosure of my personal information is not only a breach of trust but also a serious violation of federal law. Under 15 USC 6801, financial institutions like yours have a duty to safeguard customer information and to respect the privacy rights of consumers. Failure to address this matter promptly and responsibly may compel me to take legal action such as and not only reporting CEO 's and CFO 's to the FTC to protect my rights under 15 USC 6801 and seek remedies for any damages caused by the unauthorized release of my information. I request that all communication regarding this dispute be in writing to ensure a clear record of our correspondence. Please send all responses to the address provided at the top of this letter. Thank you for your immediate attention to this matter. I expect a timely resolution and look forward to receiving your written response within 30 days of the date of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX both have been erroneously reporting my XXXX FicoScore as XXXX. The same low figure Equifax assigned to my account with them. Unfortunately I have been paying these two companies Equifax {$4.00}, XXXX {$12.00}. I have stopped the one with Equifax. I have contacted both these companies, explaining the fact that my XXXX SCORE IS XXXX thats a difference of XXXX points. These two if asked by a lender would provide false information regarding my credit worthiness to them. My XXXX XXXX score has been in existence for a while and therefore available to these companies that are collecting a fee for providing bad information on behalf of the Consumer, to prospective lenders, is criminal in my opinion. Amazingly enough, they both have the correct figure of XXXX for my XXXX Score. I dont know where they get their Infomation from, or even if they are working together. Its just something I find strange.

Equifax Score is always the LOWEST score of the 3 reporting Agencies scores as Ive found. My Husbands, my XXXX Equifax scores are too the lowest of the 3. Im just surprise of their attempt to bring down my high XXXX XXXX down to their LOW XXXX level. Im terminating ScoreSense because they provide bad Infomation.
Product: Debt collection

I RECEIVED AN ALERT FROM MY CREDIT REPORT THAT THERE WAS A NEW COLLECTION ACCOUNT POSTED TO MY CREDIT REPORT. I LOGGED ON AND DISPUTED IMMEDIATELY WITH THE CREDIT REPORTING AGENCY AND NOW I AM FILING A COMPLAINT. THIS ACCOUNT I DID NOT AUTHORIZE NOR DID I KNOW ANYTHING ABOUT IT. I WANT THIS COLLECTION ACCOUNT REMOVED FROM ALL THREE CREDIT BUREAUS AS FRAUD. I HAVE ALSO FILLED OUT AN FTC AFFIDAVIT AND POLICE REPORT AS FRAUD
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the letters off on this day XXXX XXXX i told them to investigate my account, and they said they investigated it But according to the law they didnt do the proper investigation.
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. XXXX 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX 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 XXXXm XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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
Product: Mortgage

I have requested several times to have the PMI removed from my loan. The rule, per US Bank is 20 % equity, which I have had since XXXX I'm still paying this even though the value of the home has maintained well over 20 % equity for years. I'm requesting assistance in enforcing their own rules in having this removed.
Product: Debt collection

Apparently someone got hold of my information and opened up a credit card in my name. I did reach out to the company but its still on my credit report I never even lived at the address the company talking about
Product: Credit reporting or other personal consumer reports

i have settle and paid with applied bank i paid XXXX
Product: Debt or credit management

1 ) red-lining and dual-tracking on the part of Mr. Cooper while allegedly helping me to keep my home through loan modification. 
2 ) Never putting the home in my name despite my providing necessary documentation. 
3 ) Denial that original mortgage was a predatory and fraudulent loan by XXXX XXXX XXXXXXXX ; the victim was my XXXX, a XXXX United States XXXX decorated veteran. ( XXXX XXXX ) XXXX ) failure to acknowledge judgement of foreclosure was a fraudulent effort on behalf of XXXX XXXX XXXXXXXX on XX/XX/XXXX, yet including this event as evidence against me in a present judicial foreclosure action served to me on XX/XX/XXXX. 
5 ) Data Breach by Mr. Cooper acknowledged by Mr. Cooper on XX/XX/XXXX which has severely impacted my ability to obtain a loan or a refinancing of mortgage in order to bring my account current. 
Serving me with a XXXX XXXXXXXX XXXX on XX/XX/XXXX despite telling me they will help me keep my home. 
6 ) Racial discrimination against me, as well as my XXXX ( posthumously ) in not allowing me access to all the tools available ( forbearance, partial loan forgiveness, etc. ) to help me keep my home. 
7 ) Refusing to provide me with an assigned agent that could address all my needs ; instead each time Mr. Cooper was contacted, a different agent responded on a cue.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service, and unfair practices. Which have violated the Customer Financial Protection Act ( CFPA ). Specifically failed to take effective measures to prevent and address fraud on their platform leaving my account disrupted and vulnerable. Their dispute resolution process was unfair. They did not comply with the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the violations done.
Product: Debt collection

A soft credit report was done by NorthStar Prime Credit Cards on XX/XX/2018. I have never done business with this company. 

On XX/XX/2018 a voicemail was left on my phone from NorthStar Location Services. 

Before and after XX/XX/2018, my parent 's phone was contacted once a day for months. I have phone records. I contacted NorthStar Location Services and asked them to verify whatever the debt was. In that letter, I also gave my address and contact details. I asked them to only contact me by mail and stop any phone calls or robocalls. They did not! They had my contact details and continued to contact my parent 's phone after I gave them my contact. Their phone number is not on the XXXX soft credit pull they did I notified NorthStar Location Services, I am going by their soft credit pull as I wouldn't have known about it if I didn't have credit monitoring, ( before 30 days and I have Certified Mail receipts - they received my letter on XX/XX/2018 ) that I disputed the debt and after asking NorthStar Location Services to validate a debt they did not respond in 30 days. I eventually found the original letter from NorthStar luckily I disputed within 30 days and have my rights per FDCPA. NorthStar did continue to collect without contacting me. I then sent them a letter to cease and desist. They continued to call my parents number, XXXX, after they had my contact info - this is harassment - and they still continue to call my phone!!!! NorthStar is working with another company, XXXX XXXX XXXX. XXXX  never contacted me after I asked NorthStar to  validate within 30 days. Neither company validated or contacted me per FDCPA. XXXX XXXX XXXX has put derogatory marks on all three of my credit reports even after and NorthStar failed to validate. After XXXX hit all of my credit reports I asked them to validate. I got no response. This is reporting illegally. 

I did dispute the debt with NorthStar before 30 days. I misplaced the first contact letter they sent me. I still validated in the time prescribed per FDCPA and received no answer. I will include that letter and I will also include the letters I sent NorthStar Location Services and XXXX XXXX XXXX. 

I have also sent this to the Illinois Attorney General 's Office, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have called XXXX to try and resolve this issue, they refuse to resolve this issue and are violating fair credit reporting rights and screwing up my credit. 

The whole situation started when a relative who has NO INTEREST, NOT ON TITLE, NOT ON THE LOAN, had filed bankruptcy in XX/XX/2016. My first lender XXXX some how included me in the Bankruptcy and stopped mailing statements, and the 2nd mortgage did the same thing. This has gone on for almost 2.5 yrs. XXXX  refused to talk to XXXX about the situation. 

I have never filed bankruptcy nor before this issue have I had any issues with my credit. 
XXXX has resolved the issues and fixed my credit back to 100 %. XXXX has refused to work with me on this matter causing me financial hard shop and making it so I am unable to refinance my loans, causing my credit score to go lower.
Product: Credit card

I disputed a charge of {$540.00} out of {$3900.00} charge in my capitalone credit card ending in XXXX ( Dispute Ref # XXXX ). I have provided the treatment plan and contract signed related to this charge ( on attached document page XXXX, second visit price {$3900.00} for two XXXX XXXX XXXX  on the XXXX XXXX and XXXX XXXX, each 1980 $ ). But Capital One declined this dispute and asked for the invoice or payment receipt to show {$3900.00}. The problem is this clinic didn't provide any invoice or receipt but just went ahead and directly charge {$4500.00} without my permission. In the supporting documents iI provided to capitalone, the agreed-upon amount in the treatment plan and contract signed by the merchant was indeed {$3900.00}. I also gathered any other relevant documents that can help support your case. This includes communication with the agency connecting me to the merchant showing the price of {$3900.00}, or other evidence that can demonstrate the correct amount of the charge. I believe there has been an error in the billing, and I am disputing this charge because my contractual agreement with the merchant clearly states that the correct amount for this transaction should be {$3900.00}. Unfortunately, I do not possess an invoice or receipt specifically for {$3900.00}, as the transaction was conducted based on our contractual agreement rather than traditional invoicing for a clinical treatment and the clinic just ignored any request from me after charging {$4500.00}. As such, I need CFBPs help with that for this dispute process.
Product: Checking or savings account

On XX/XX/XXXX, Synchrony Bank restricted me from using both of my banking accounts without providing a legit reason and responding to my inquiry. I spoke to two call center representatives and request the restriction to be taken off. They submitted my request and asked me to wait XXXX days but I still cant use my accounts and no one has ever responded to my inquiry. I also messaged the company via their secure message center but only got automatic replies.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an report on my account I dont know what it is someone use my information and I tried disputing it, and there nothing they did
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. 

HERE ARE SOME ACCOUNT NAMES AND # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : 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 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

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

Back in  XXXX     2016  I found an incorrect account being reported on my  XXXX  and equifax reports by  XXXX  and filed a dispute of this account through   XXXX   XXXX   on  XXXX   XXXX     2016  it was removed by both  XXXX  and equifax on  XXXX   XXXX   2016 . Now the same information is being reported by  XXXX  on my equifax report stating the account was opened on  XXXX   XXXX   2016  and I tried to dispute this with equifax but they claim my personal information does n't match their files so I ca n't dispute it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Showing a bankrupcy # XXXX, XXXX, XXXX and XXXX I have no record of these item and the federal court has no record of these for me. When asked how did the Bureaus verify these items they have not been able too. 

Per FCRA, they have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified without using E-OSCAR or third party per Thomas v. Trans Union, LLC ( 1:18-cv-06460 ). 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA They have failed to provide information as to how this hurtful information is on my credit report.
Product: Mortgage

I sent a debt validation request to Chase XXXX XXXX, XXXX, they have not responded to my request. They have illegally foreclosed on my home in XXXX. I requested they send me the data from the original lender. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Chase Attn : XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Re : Alleged Debt Acct # XXXX To Whom It May Concern : Please be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : Account Loan Data from the ORIGINAL creditor, Note and Deed of Trust Please provide me with MY WRITTEN AUTHORIZATION stating that I gave you my permission to sell my private information to any third party or debt collector under 15 USC 1692 ( c ) ( 3 ) ( b ). 
Provide proven facts with account loan attached from the ORIGINAL creditor and signed under Penalty Of Perjury. 
Identify the ORIGINAL creditor. 

As it stands now, you are a Debt Collector. 

If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit files and a copy of such deletion request shall be sent to me immediately. 

I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. 

Thank you, XXXX XXXX Sent by USPS mail