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

I am submitting this complaint personally. Regardless of the multiple written requests, the accounts listed below are still reporting on Transunion, XXXX, and XXXX in violation of Federal Law. Transunion, XXXX, and XXXX failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statute. These need to be deleted immediately 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10.The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX,

has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. + 15 USC 1666B : A creditor may not treat a payment on a credit card account under age. XXXX open end consumer credit plan as late for an purpose.

Additionally, my chapter XXXX  is still on my report and is discharged - it shouldnt be on my report any longer.
Product: Credit card

As a XXXX user we answered a promotion for Visa thru Barclays Bank to create additional reward points by using their Visa. We were to received XXXX points once we spent {$1000.00} using the Barclays XXXX Visa. We did. We could see the points on the statement. They have since disappeared. XXXX, the points created monthly have not been transferred to the Choice Privilege Acc't. 
The promo, also, promised XXXX points on the anniversary date of the XXXX card. We fear that wo n't happen. 
Tried to use the customer support for both XXXX Hotels and Barclays Bank. They just point fingers back to each other.
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove fraudulent accounts

XXXX XXXX XXXX 
open date XX/XX/XXXX

XXXX XXXX XXXX   
XX/XX/XXXX

XXXX XXXX XXXX 
XX/XX/XXXX
XXXX XXXX XXXX 
XX/XX/XXXX

XXXX XXXX XXXX 
open date XX/XX/XXXX
Product: Mortgage

My mortgage broker made an unathorized withdrawal from my checking account in the amount of {$3000.00} which includes a XXXX dollar wire transfer fee as my mortgage is {$2700.00} they helped themselves to {$230.00} additionally. It is criminal that any entity can withdraw funds without your permission. I want sanctions against Ditech Financial for robbing my account. Thank you XXXX XXXX
Product: Debt collection

I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you Immediately cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request.

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 

Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it XXXX be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am a victim of human XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have numerous of things that's being reported falsely on my account and credit report .someone is using my name to these companies and I would like to get it removed as soon as possible its a total of {$4300.00} on my credit .I tried to contact the company and complain and they was very XXXX and threaten me .Due to covid 19 its been a tool on me.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023- XXXX is harassing me and using abusive and profane language when contacting my phone. I told them to put me on the do not call list and they asked for my social security number. When I told them I won't be giving that they told me they couldn't help me. I am sure this is a violation of the FDCPA. 

To date, XXXX  has NEVER validated the debt nor have they provided the requested information. 

The account in question was fraudulently opened and they are committing aggravated identity theft until they are able to prove otherwise. 

This company and the representatives of the company are predatory extortionists and I will pursue legal action within XXXX  day of receipt of this notice if the information requested is not provided.
Product: Credit reporting or other personal consumer reports

Accounts : XXXX XXXX I am filing a complaint against NCB Management Services , Inc. ( NCB ), XXXX, XXXX, XXXX for inaccurate reporting of a charged-off debt, violations of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Act ( CFPA ), the Privacy Act of 1974, and the Gramm-Leach-Bliley Act ( GLBA ). NCB Management Services , Inc. ( NCB ) has reported a charged-off debt to XXXX, XXXX, and XXXX on my credit report. This is in violation of the FDCPA, which states that when an account is more than 180 days past due, it must generally be charged off. Despite being charged off, NCB Management Services , Inc. ( NCB ) has failed to provide me with a 1099-C form, as required by IRS code 4681. NCB Management Services , Inc. ( NCB ) has violated the FCRA ( 15 US. .Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ) by reporting inaccurate information to the credit bureaus. Specifically, they have reported the charged-off debt without having reasonable cause to believe that the information is accurate. NCB Management Services , Inc. ( NCB ) actions also violate the Consumer Financial Protection Act ( CFPA ) - 12 CFR 31.3 and the CFPA 's prohibition against unfair, deceptive, or abusive acts or practices. By continuing to report the charged-off account as a debt, NCB Management Services , Inc. ( NCB ) is engaging in deceptive conduct that harms consumers ( Me ). Furthermore, NCB Management Services , Inc. ( NCB ) has violated my rights under the Privacy Act of 1974. The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual. NCB Management Services , Inc. ( NCB ) improperly disclosed my personal information to credit reporting agencies, specifically XXXX, XXXX, and XXXX without my permission. Additionally, NCB Management Services , Inc. ( NCB ) has violated the GLBA ( 15 U.S.C. 6802, also known as section 502 ( b ) of the Gramm-Leach-Bliley Act ) by failing to provide me with a clear and conspicuous notice of their intent to share my nonpublic personal information with nonaffiliated third parties, such as XXXX, XXXX, and XXXX . This coincides with 16 CFR 313.7 ( Form of opt out notice to consumers ; opt out methods ) 16 CFR 313.10 ( Limits on disclosure of non-public personal information to nonaffiliated third parties ) and 248.124 ( Reasonable opportunity to opt out ).
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 U.S.C 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A. States i have right to privacy.

15 U.S.C Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish a account without my instructions.

15 US.C 1681c. ( a ) X5 ) Section States : no consumer reporting agency may make any consumer report contaning any of the following items of information, Any other adverse item of lnformation, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S, C. 1681 s-2 ( AX1 ) 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: Debt collection

Security national servicing Corp. Has proceeded to Illegal foreclosure. SNSC is debt collectors as specified in disclosure of " notice of transfer of mortgage servicer '' effective XX/XX/XXXX. But intentionally misrepresent and threatened foreclosure lawsuit on " time barred debt '' as noted on transfer notification as loan matured on XX/XX/XXXX. 

Not a single notorized or executed by bank 'lender officer. 
Trustee is also a debt collector. And failed to even acknowledge the qualified written request. 

Multiple " beneficiaries '' in attempt to confuse and lacking any transparency. " XXXX default services '' trustee sale ''. There's not a single " executed notorized document that reflects legal standing authorized to foreclose. 
XXXX is also debt collectors conspired with SNSC for illegal Foreclosure and false statement. 

Now I'm being evicted out of my home. I've been on XXXX since XXXX. 

As stated my new " lender '' creditor is " XXXX bank as trustee for XXXX XXXX series trust. Which is registered with SEC and then to illegally foreclose on my property which is securities fraud. 

XXXX dated XXXX. Still yet to be acknowledged. And collections without a license. 

Knowing my limited XXXX income and taking the corona virus as an opportunity to make financial gain by falsely recording of illegal documents. Third co-CONSPIRATOR is " XXXX XXXX XXXX '' whom issued me the title insurance '' on an predatory loan dated XX/XX/XXXX ) no trustee as stated on policy. And the alleged " deed of trust '' is completely documentation fraud. Please see ( page numbers located along with my initials ) and my signature is added on completely separate page with only my signature. Which was never signed on any deed of trust. 

My original loan was from XXXX XXXX. ( I have disclosure from thwm stating my mortgage would not be transferred dated XX/XX/XXXX ) bait and switch. And there is no chain of title that could authenticate and authorize this illegal collections ans foreclosure. 

I'm being evicted ( please advise how to proceed ) and needless to say my health condition is taking it's toll. Please help. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen and used to open several fraudulent accounts. I was not aware of these fraudulent accounts until given my credit report after trying to apply for an auto loan. I have reached out to all companies as well as credit bureaus, I have also filed a report with my local PD as well as submitting and ID theft affidavit with the FTC. The credit bureaus have refused to remove these fraudulent account that are showing on my credit reports. These accounts were not authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX-XXXX-XXXX  DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX RE : Unauthorized Credit Inquiry Dear Sir/Madam This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy Inquiry details XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX Inquiry from XXXX XXXX, XXXX + Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX   Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX   XXXX Inquiry from XXXX XXXX, XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX + Finance Inquiry details XXXX   XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX   Inquiry from XXXX XXXX, XXXX + All Banks XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX-XXXX  XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX  XXXX Inquiry fromXX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX-XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX-XXXX-XXXX  DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$28000.00} ), XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$9100.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$580.00} ), XXXX XXXX XXXX  ( Date Opened : XXXX. XXXX, XXXX, Balance : {$630.00} ), XXXX  XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1200.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$220.00} XXXX XXXX  ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$630.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information, no knowledge of accounts, FTC and HIPPA violations
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a recent data breach, and as a result, I am requesting the immediate blocking and deletion of the following accounts from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted : XXXX XXXX XXXX Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$3400.00} XXXX XXXX XXXX Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$1300.00} Inquiries to be Blocked : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a collections account that showed up on my credit report with Experian 2-3 times that is from a debt buyer XXXX XXXX XXXX. I have received debt information from this company as well. and this information does not belong on my credit report. Experian 's response each time is that they've certified to Experian that the information is good. 

XXXX XXXX XXXX  XXXX Debt Buyer
Product: Mortgage

Wells Fargo ( WF ) lied to me about foreclosing my home beginning XXXX XXXX. I was advised by multiple WF agents that I would not be foreclosed for missing payments as long as I was in a pre-approved modification status. My home was foreclosed in XXXX XXXX. It took me over a year, which included 3 HARP applications and 3 WF applications, before I finally got my home out of foreclosure ( after complaining to the Office of the Comptroller of the Currency - OCC ). I have all of the letters WF sent me during that time and after. Because of the foreclosure my employment options were severely limited, without being able to leave my area I could not fully pursue options in my career field. WF constantly changed the rules for getting out of foreclosure and basically made my and my wife 's lives living XXXX. With the latest WF scandal all over the news I would like someone to revisit my complaint. I filed multiple grievances through the OCC which proved fruitless as they gave up and awarded pitiful compensations. Everyone now knows WF was staffed by dishonest and worse people who manipulated and ruined lives. WF needs to be held accountable. I am now in my XXXX with no retirement and nothing in Savings. We live paycheck to paycheck - and like so many Americans ( and because of WF ) - I am painfully underemployed with no bright prospects. I need to be able to relocate and can not do so.
Product: Credit reporting or other personal consumer reports

I contacted the credit bureaus and informed each company the account was closed with a XXXX balance. After the investigation, the credit bureaus reported the account is open with a balance. That information is incorrect.
Product: Checking or savings account

I cl

osed my PNC checking account on the XX/XX/XXXX via telephone and was told that a certified check for all remaining funds ( {$17 000.00} ) should arrive via mail within 2-4 business weeks. On XX/XX/XXXX I called PNC back because I had not received the check. I was told that the issue would be escalated to their customer service team and that I would receive a call from them. 

I received an email and call from XXXX XXXX ( XXXX, XXXX ) of PNC on XX/XX/XXXX. After connecting with XXXX, I was required to fill out an indemnification form, have it notarized, and return to a local PNC branch in order to receive my funds. 

The indemnification form was submitted to the branch on XX/XX/XXXX and I have not received any additional communication from PNC as of today XX/XX/XXXX. 

Seven weeks and counting without receipt of my funds is unacceptable.