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

On XX/XX/2018, an amount of {$500.00} was paid to XXXX XXXX XXXX for a procedure for a specific doctor. The doctor, however, is no longer at the facility and, therefore, is unable to perform my procedure. I requested a full refund from the facility and did not receive the {$500.00} amount back. Nonetheless, I filed a dispute with my bank ( Regions ) explaining the situation and hoping for rectification. Regions sent me a letter denying my dispute and did not credit the amount back to my account.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account name : XXXX  XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX
Product: Debt collection

I certify mailed debt collector One Main Financial a cease and desist letter last week, XX/XX/21. They received the letter Monday XX/XX/21. I have continually received calls from them after Ive asked for validation of debt. Pursuant to 15 USC 1692d a debt collector may not harass, oppress or abuse any person in connection with the collection of a debt. I feel COMPLETELY HARASSED at this point, giving that according to 15 USC 1692c ( c ) I notified the debt collector in writing by mail that I, the consumer, wishes the debt collector ceases further communication with me.
Product: Checking or savings account

Frequently navy federal has falsely represented the amount present in my account resulting in costly insufficient fund charges or overdraft charges. I have banked with navy federal for around 7 years
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX this company XXXX Credit Card is being reported with the incorrect balance on my credit report which caused my score to drop over 30 points. I have a {$15.00} balance on this credit Court and this company is reporting incorrectly that I have a {$55.00} balance. I attached a screenshot of my balance and payment history to this complaint. I want this updated correctly immediately as well as this company fined for their violation. I have not had a balance of {$55.00} with this credit card XXXX Credit Card company since XX/XX/XXXX so its incorrect and inaccurate for this company to report the wrong balance which is a violation of my rights under the FCRA And this is causing harm to me
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX  Date of inquiry XX/XX/2019
Product: Debt collection

TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT : XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX  XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX $ XXXX/ XX/XX/XXXXYour company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX $ XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX/ XX/XX/XXXX XX/XX/XXXXI have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX , XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit card

I've always made sure payments on this account are made on time, never letting them become overdue. However, I'm unsure why there are reports of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error should be corrected.
Product: Mortgage

Dear Chase, thanks for your response and co-operation. In your XXXX response, you explained the information of this loan since XX/XX/XXXX. 
However, I have two questions for you. 
Firstly, this loan has been used back in XX/XX/XXXX by this XXXX XXXX XXXX when Chase issued this loan under my name. 
So please provide the information that pertains from XX/XX/XXXX and after that, like how long did it continue, loan originator, HUD 1 settlement etc. 
Secondly, is there any reason for which you are not following FCRA regulation of posting this to the credit bureau?

Your response to these two inquiries will be highly appreciated. 
Thanks.
Product: Credit card

On XX/XX/year> I had recently left the grocery store in XXXX, XXXX  in the XXXX XXXX neighborhood when I was approached on XXXX XXXX to make a donation for funeral costs of a young boy who had been recently XXXX  and XXXX, the supposed brother of the guys I was speaking with. They showed me photos and paperwork, and XXXX of the men showed me his XXXX  XXXX XXXX XXXX I told them I would donate {$15.00} to their cause and they swiped my credit card. Moments later my card was charged {$2400.00} to a clothing store in XXXX, XXXX. Capital One immediately flagged it as potential fraud and I called them right away to not authorize the charge. They assured me it looked like a scam, and that it would be taken care of. A few days later, I received a notice from Capital One that there was insufficient evidence of fraud because I provided them with my card and I would be liable for the {$2400.00} charge. I have tried contacting the merchant at the phone number provided by Capital One, but it was the number for a magazine subscription service to XXXX XXXX XXXX XXXX XXXX, XXXX. Not a clothing store, which I was told was where the supposed purchase was made. I filed a police report with the city right away as well as a identity theft report. I am incredibly disturbed that a major bank and credit card company has no protection for its users against these illegitimate transactions.
Product: Credit reporting or other personal consumer reports

On XX/XX/17 a hard inquiry was placed on my personal credit report for a business account. I was informed that my social security number would be used for verification purposes only and that it would not result in the inquiry. However, a hard inquiry was placed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the following letter on XXXX XXXX TO WHOM IT MAY CONCERN : Per FCRA as a FEDERALLY PROTECTED CONSUMER, I am now opting out of any and all authorization I, XXXX XXXX, the consumer may have given you written, unwritten, verbal, and non-verbal per 15 usc 6802. EFFECTIVE IMMEDIATELY AND INDEFINITELY. 

PROMPTLY REMOVE THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX XXXX  XXXX XXXX BEST BUY/ XXXX XXXX XXXX XXXX XXXX. 
Thank you for your assistance in this matter, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I placed a security freeze on my credit report due to some suspicious activity that I had seen on my credit report. I received my confirmation from Lexis Nexis confirming the freeze was in place. In XX/XX/XXXX I noticed some public records appearing on my credit and activity again on my credit report. I reached out the Bankruptcy court in regards to what information is released to the credit bureaus, and received a letter from The United State Bankruptcy court on XX/XX/XXXX confirming that the Bankruptcy Court does not report information to any credit bureaus. I disputed the public record ( Bankruptcy ) with the three credit bureaus but received a response saying valid due to the response from LexisNexis. I am filing a complaint due to inaccurate information being reported by NexisLexis for many reasons. With the freeze on my account, information was still being provided to third parties, and NexisLexis reported on my credit report bankruptcy information which is inaccurate and the Bankruptcy court confirmed this information as well is not and was not provided to the credit bureaus including Nexis Lexis.
Product: Mortgage

There are several problems : 1. I just discovered that this is a commercial loan in a residential neighborhood 2. The company never filed a deed with the appropriate authorities in XXXX 3. Several questionable payments made to XXXX XXXX tax sources as shown on my mortgage escrow analysis. I have verified that the listed payments were never paid. 
4. A sizable payment made to the XXXX XXXX tax source appears to be questionable. 
5. There are two unknown payments labeled " Hazard Insurance Payment '' that can't be accounted for. 
6. The mortgage company has informed me that my negative escrow balance requires me to pay an additional {$1000.00} per month. I think there could be fraudulent over-payments from my account causing the massive shortage. 

Note : I have a copy of my escrow analysis and want it reviewed.
Product: Vehicle loan or lease

I purchased the Vehicle in XX/XX/2020. I contacted the bank about on the 3rd Month of the Loan I had to be out of Work for a month due to Covid and asked them for help till I go back to work the following Month. Capital one Customer Service informed me that because my Loan was so recent they could not help me unless I had 6 months worth of payments. I literally had to reduce groceries and not pay certain bills in order for me to make those 6 months ' worth of payments. I contacted them again once I made the 6th payment and they stated that after it posted to my account I can request to have an extension behind the loan due to me having to play catch up and haven't been able to be on time. Capital one now states they can not help me with the extension but says they can give me only a date and pay partial payments till I catch up meanwhile I have late fees accumulated and reports to the credit bureau of me being late.
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 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 XXXXXXXX XXXX XX/XX/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 an account without written instructions.
Product: Credit reporting

I have tried repeatedly to have the account ( Not Reported # XXXX ) removed from my credit report. I have no idea what this collection is and the reporting agency has been completely deceptive in reporting it. There is no name on account, no reference to what it is and they have NOT contacted me or responded to my repeated request to verify the obligation or remove it from my credit report. I firmly believe that Equifax has intentionally not responded and continues to report it fraudulently.
Product: Mortgage

This is a formal complaint advising Select Portfolio Servicing of an error on my XXXX XXXX form. I called and spoke to a supervisor who identified himself as XXXX on XX/XX/XXXX and XX/XX/XXXX about this issue. XXXX assured me on XX/XX/XXXX, which was a recorded call, that the issue would be resolved, and it was not. 

The issue is that XXXX XXXX on my XXXX is not checked. When XXXX XXXX is checked on the XXXX form, it indicates that the address of the property securing the mortgage is the same as the borrower 's address. This confirms that the property being used to secure the mortgage is the borrower 's residence. 

If XXXX XXXX is not checked, it may impact the eligibility for the mortgage interest deduction, and therefore acts as a red flag for the IRS. 

I understand that XXXX XXXX does contain my property address, however it is not necessary to involve box XXXX if box XXXX is utilized. If you go to the IRS website and read the instructions for form XXXX, you will see the following information for Box XXXX : Box XXXX. Address or Description of XXXX XXXX Mortgage If the address of the property securing the mortgage is not the same as the payers/borrowers mailing address, or you did not complete box 7, enter the street address ( including the apartment number ) of the property securing the mortgage. Immediately below the street address, enter the city or town ; state or province ; country ; and ZIP or foreign postal code of the property securing the mortgage. 
Therefore, as previously stated, since the property securing the mortgage is the same as the borrower 's mailing address, XXXX XXXX should not be used, and XXXX XXXX should have been checked. 

This is a simple fix that should has been handled by the XXXX XXXX Department XXXX XXXX called on XX/XX/XXXX. This is an urgent matter as taxes are due XX/XX/XXXX. 

Please have this fixed immediately.
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX and 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: Credit reporting or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/year>
Product: Checking or savings account

XX/XX/2020 I tried to us my chime bank card and it said it was unable to charge. I tried to open the chime app and it informed me that my account was closed. When I emailed chime I got a generic automated email stating my account has been closed and they can not provide me any reasons why. I emailed them back and asked for a supervisor. In which I got a representative and they stated that. I have to wait 30 days for my remaining funds that was in my account to be mailed to me. I also received a following email the reason why my account was closed was due to not submitting an W9 form, which that is for independent contractors or free lancers. I work for an actual company and only fill out w4 forms. They told me to email them my govt ID and social security card to potentially reopen my account, and I havent heard from them since.
Product: Checking or savings account

Bank of America XXXX XXXX XXXX, DE XXXX Identity Theft On XX/XX/2021 I received two letters in the mail notifying that account number ending in XXXX and account ending in XXXX were closed and not to use the checking account or debit cards for either account anymore. I did not open, authorize nor approve these accounts. I spoke with XXXX at Risk Fraud XXXX who created Claim # XXXX. It was indicated there were 11 accounts open at one time. It was believed accounts may be closed. Also on XX/XX/2021 received a letter from XXXX XXXX XXXX stating someone opened a deposit account with Bank of America and was attempting to transfer funds. This attempt was denied. I spoke with XXXX at XXXX. She advised to file a dispute by reviewing the consumer report for the last seven years which she was to mail to me. She requested personal information which I did not fully give due to the identity theft concerns. I am still waiting for this report.
Product: Credit card

Chase issued a Amazon.com visa signature card without me applying for it after they sent me a letter that they had insufficient documentation for issuing that credit card, for which i have never applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two inquiries on my transunion report on XX/XX/2022 from the same company XXXX XXXX. I did not authorize this company to run my credit report twice on the same day. It makes no sense for a bank to run your credit report twice on the same day, I was told that the same information can be used for 30 days,. I need these inquires removed as they are a mistake and are in violation of consumer reporting laws.
Product: Debt collection

This number calls all times of the day. I answer and they go into this script that I owe them money unable to tell me what for. I ask them not to call back and they continue to do so. I've tried to tell them I do not know anything about this debt and to remove it.
Product: Debt collection

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates the accurate reporting of information on consumer credit reports. I urge your bureau to adhere to the FCRA guidelines and conduct a thorough investigation into the legitimacy of these newly reported fraudulent accounts. It has come to my attention that despite your previous efforts in removing fraud accounts, new instances have emerged, adversely impacting my creditworthiness. I question why your bureau is allowing the reporting of unverified fraud accounts, tarnishing the accuracy of my credit report. 
XXXX XXXX XXXX XXXX -FRAUD, PLEASE DELETE!!! 
I would appreciate your assistance in providing detailed verification of the accuracy of the reported fraud accounts within the statutory 30-day period.
Product: Debt collection

State Collection services spoofed their caller ID to appear as my girlfriends name. When I pressed them on this, they stated they had no idea what I was talking about, and claimed the number I was currently talking to them through was not one on their records. This is a bold face lie. Coincidently, my girlfriend works for the hospital that this debt is owed to. I believe they managed to use data without either my partners expressed consent to reach out to me illicitly.
Product: Money transfer, virtual currency, or money service

Money was taken from my account without my authorization & when I called to report my account was blocked & closed.
Product: Debt collection

This is regarding original case number XXXXfiled on XXXX XXXX. Today is XXXX XXXX and the company responded on or around XXXX XXXX. By their own admission they are unable to locate this fraudulent account by my name ( document proving this attached ) yet they have not taken this off of my credit report.
Product: Credit reporting or other personal consumer reports

I have an inquiry from SYNCB/XXXX And XXXX XXXX XXXX XXXX XXXX that I do not recognize I have never applied to any of these institutions
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These items were fraudulently made without my consent. Please delete these accounts from my report immediately. 

DPT ED/XXXX XXXX {$3100.00} DPT ED/XXXX XXXX {$920.00} DPT ED/XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX {$2500.00} XXXX  XXXX {$2900.00} XXXX   XXXX {$140.00}
Product: Credit card or prepaid card

I continue to be charged interest on purchases even though I am still within the 0 % promotional period on purchases until XX/XX/XXXX. I contacted American Express after I noticed this on my first statement in the amount of {$21.00} The customer service representative reversed the interest and credited my account. He said that it was a known issue and it was now fixed and I would no longer have a problem. So, when I received my XX/XX/XXXX statement, I had the same issue. I was charged {$41.00} in interest on purchases. I contacted customer service and again was told that this was a known issue for some customers and they were working on a solution. I was informed that it would be resolved. This time I was not issued a credit back to the account. Please see attached documentation. Thank you so much in helping to resolve this matter.