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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX : XXXX, 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: Debt collection

XX/XX/year> XXXX {$850.00} I .m request that this be waiver do to employment Federal.
Product: Debt collection

According to the FCRA the account named, MOHELAXXXX has Violated my rights. 15 U.S.C 1692g States : Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of accurate debt if valid ; ( 2 ) the debt owed is a culmination of what alleges to be fraudulent charges ; retained deposits, were not returned, were undisclosed and unaccounted for.

Name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or
any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Product: Credit reporting or other personal consumer reports

MY INFORMATION WAS INVOLVED IN A DATA BREACH PLEASE REMOVE ALL FRAUDULENT INQUIRIES, ADDRESSES, CLOSED ACCOUNTS AND NAMES AS I HAVE NO KNOWLEDGE OF THEM IN ACCORDANCE TO FCRA 605B THIS INFORMATION MUST BE REMOVED AND BLOCKED FROM MY REPORT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE REMOVE FOLLOWING ADDRESSES AS THEY ARE NOT ACCURATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND ANY NAME THAT IS NOT XXXX XXXX XXXX. THE FOLLOWING ACCOUNTS NEED TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX XXXX, IL, XXXX Listed below are the Accounts that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX below are the Collections that are being challenged XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Student loan

All of my loans reappeared on my credit report. I should have a maximum of XXXX tradelines, XXXX reporting at a XXXX balance. I now have XXXX, with XXXX reporting at a XXXX balance. This made my current loan balances on my credit report go up by over $ XXXX In the attached image, you can see the XXXX new tradelines at the top marked as MOHELA/DEPT OF XXXX and the XXXX ones beneath it just marked as MOHELA This was only on this month 's cycle and it needs to be remediated.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged outstanding fees due to delayed posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 553 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card or prepaid card

Today XX/XX/XXXX I received an email from XXXX  XXXX  that my credit score changed, I checked my changes and it said my credit limit decreased from {$1500.00} to {$590.00}. I contacted Synchrony bank and asked why was my limit decreased and the rep told me because the credit bureaus reports my credit score to them monthly. I never gave them permission to check my credit without my knowledge, my balance is {$570.00} with a new limit of {$590.00} and this XXXX it look like my utilization is high. I contacted XXXX  and asked them if they report credit scores to creditors and I was told that they do not. I see a lot of customers complaining that synchrony bank is decreasing limits because of the pandemic. I feel as if this is unfair to me and now my credit is suffering.
Product: Checking or savings account

Bank account has worked. Business to other businesses not in, My favor of my self.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent written letter to equifax regarding unauthorized inquiries be investigated. However, I have not received a reply into the investigation.
Product: Money transfer, virtual currency, or money service

I filed numerous complaints with different companies XXXX of them being the XXXX i. Which they told me to file a complaint with this company. I filed a complaint and I received a notice back from Cash App. I reached out to cash app to provide the requested information and this is what I was told. It seems as though cash app does not want repay me the money they took
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax on at least 5 occasions to include a XXXX XXXX credit card on my profile. I have provided photo identification, my ss #, and a copy of the card. Because they have refused to update my profile, my credit score remains below 600 and I have been denied credit on several occasions. I have had the card for at least 4 years, yet my credit profile with Equifax claims I have no credit history. I have contacted them via letters, online disputes, and telephone ... ..to no avail. 

Please advise as to other remedies available to me.
Product: Checking or savings account

I have an account in Wells Fargo Bank. I was traveling out of country when I discovered XXXX unauthorized ACH transactions totaling $ XXXX on my bank statement : $ XXXX XX/XX/year> - Business to Business ACH XXXX XXXX XXXX Payment XXXX XXXX XX/XX/year> - Business to Business ACH XXXX XXXX XXXX Payment XXXX XXXX XX/XX/year> Business to Business ACH XXXX XXXX XXXXXXXX XXXX XXXX I filed a claim with Wells Fargo on XX/XX/year> over the phone. After 5 days the bank denied the claim saying I did not report them in XXXX hours. I do not agree with the banks decision and want these funds back in my account. 

I also tried contacting XXXX and XXXX  XXXX XXXX but none of these organizations are willing to do anything.
Product: Debt collection

I have a new cell number. Apparently the previous user owed money to someone. A collection agency has called from at least XXXX XXXX XXXX XXXX different numbers. I have told them I am not the person they are trying to collect from, they say they will take the number out of their system, or do not even have it in their system. Then I get more calls. They are either incompenent or liars. They are Southwest credit, the calls are from XXXX XXXX, NJ The calls come from : XXXX XXXX XXXX or XXXX ; XXXX XXXX XXXX or XXXX ) ; or XXXX ( XXXX or XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a open account listed by Bridgecrest Acceptance Corporation on my credit report reporting to XXXX, XXXX, and XXXX with different addresses for their contact information on each report. This has made it very difficult for me to contact this company.
Product: Mortgage

I already have a complaint opened, XXXX pertaining to flood insurance. This was opened on XX/XX/XXXX. I have only received XXXX response to this from my mortgage company, NationStar. This was dated XX/XX/XXXX and they said they would respond by XX/XX/XXXX 
I saw on this site that they responded to the CFPB that they would respond by XX/XX/XXXX. I have heard nothing, until today when I XXXX again received a copy of the original letter stating they are going to raise my flood insurance. I need to know something? What is going on? The mortgage company is not responding. Help, please I can not afford a large increase in my insurance. I thought this was settled in XX/XX/XXXX when XXXX XXXX XXXX tried to do the same thing and the CFPB had to intervene. I have not changed anything on my mortgage.
Product: Credit reporting or other personal consumer reports

CREDITOR HAS VIOLATED THE FCRA REGULATION V/ FCRA SECTION 623 ( A ) ( XXXX ).- DUTY TO PROVIDE THE CUSTOMER WITH WRITTEN NOTIFICATION ABOUT THE INSERTION OF NEGATIVE INFORMATION AFTER 30 DAYS OF ITS INSERTION. 
I HAVE NEVER RECEIVED SUCH NOTIFICATION FROM CREDITORS IN THE PAST OR PRESENT. 
IF THE CREDITOR FEELS THAT THEY HAVE SENT ME PROPER WRITTEN NOTIFICATION WITHIN THE LEGALLY ALLOTTED TIME FRAME ACCORDING TO FEDERAL LAW, THEN I AM REQUESTING A COPY OF THE CERTIFIED RETURN RECEIPT BEARING MY NAME AND SIGNATURE ON IT. IF THE CREDITOR CAN NOT PRODUCE THE REQUESTED DOCUMENT MENTIONED ON TIME, I AM REQUESTING IMMEDIATE DELETION OR I WILL NOT HESITATE TO START LITIGATION TO SEEK MONETARY DAMAGES FOR NONCOMPLIANCE AND CIVIL LIABILITY.
Product: Debt collection

My Husband and I used Freedom Debt Relief to settle our credit card accounts. We were able to successfully complete the program in XXXX, 2019. Our account has an balance of {$510.00} that was supposed to be returned to us among completion of the program. Despite several attempts to retrieve these funds that are due to us, we have not received the funds.
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX, & XXXX continue to report inquiries that are not correct and I am sure they have not done any investigation to prove that these inquiries that they are reporting are accurate. They requested I contacted the company which is not my job it is the consumer agencies obligation to report accuracy and if they cant it must be removed. The inquiries below need to be investigated and removed immediately or risk legal action. 

TransUnion XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX 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/XXXX
Product: Mortgage

I believe I was also impacted by the recent scandal and Class Action Settlement whereby my mortgage payment was changed while I was under Chapter XXXX and PRIOR to the loan modification request. According to the bank, it recently reached a settlement in the pending class-action suit, which accused the bank of improperly filing mortgage payment change notices on borrowers who were in the midst of Chapter XXXX bankruptcy proceedings.The complaint alleged that the bank engaged in fraud, violations of bankruptcy rules and laws, and unfair and deceptive trade practices by improperly and unilaterally modifying the mortgages of the bankrupt borrowers. Before I filed bankruptcy my monthly mortgage was approximately {$1500.00}. During my Bankruptcy, I received the attached 2 statements that my payment was increasing.
Product: Mortgage

We gave an approval letter to our borrower who made an offer to XXXX XXXX XXXX who is with XXXXor XXXX XXXX XXXX. The Listing Agent wanted us to talk to XXXX XXXX ( Preferred Lender of XXXX ). We gave all the documentation that they required to pre-qualify our client. XXXX XXXX, 2017 they questioned the buyer 's agent whether or not we can fulfill the pre-approval and can cover closing cost to the borrower. We later found out that the only way the listing agent will accept the buyer 's offer is if we use the listing agent 's preferred lender. We later found out XXXX is not a licensed loan officer and when asked by the agent he later said that he was the branch manager of XXXX. We also could not find an XXXX number for him. XXXX also has a their XXXX license revoked this year in XX/XX/XXXX. Subject property address is XXXX XXXX XXXX XXXX, XXXX, CA XXXX.
Product: Debt collection

XXXX XXXX has illegal re aged my account that they had purchased from XXXX XXXX XXXX in the amount of {$480.00}. I paid this account in full as of XX/XX/2018. When I called and spoke with XXXX XXXX on XX/XX/XXXX, the representative told me that they " report monthly '' which is also a direct violation, as I never had a contract with XXXX and they are a collection company and can not report monthly. On XX/XX/XXXX, I had called and spoken with the credit bureaus when I pulled my credit report and also found out that XXXX XXXX had illegally re aged my account to a later date.
Product: Checking or savings account

On XX/XX/year>, I made a payment on my credit card with XXXX XXXX for {$1400.00}. The payment was scheduled to be withdrawn from my paypal account. On XX/XX/year>, my credit card account charged me a returned payment fee of {$41.00} and reversed the {$1400.00} payment. I didn't understand why this happened because there was more than enough funds in my PayPal account to cover this transaction. After reaching out to PayPal, I was informed that the ability to allow external account to withdraw money via ACH needs to be enabled within the PayPal app. I was never made aware when I opened the account that this was even necessary. I've had many deposit accounts and never had to enable a feature to allow ach withdraws. 

I've contacted PayPal about this fee and provided the documentation that I attached for resolution, but have not heard back from them. It's appropriate for PayPal to reimburse me the {$41.00} fee that I was charged due to this glitch with their app
Product: Credit card

I did not open a XXXX  card. This showed up on my credit report and i need it removed please help!
Product: Credit card or prepaid card

I have a credit card from ( avant ) And by XX/XX/XXXX I found many fraud activities in my account. Took all my and left my account over draft I checked on the social media and found a tons of people had same issue that looks like some people hacked avant system and stool our money We tried for hours to reach any body there without any responding Theres 2 transactions went through 1- {$10000.00} 2- {$12000.00}
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 a background check was submitted for XXXX XXXX to Experian. It listed my current address in XXXX, FL which is incorrect. I live in XXXX, FL and my son lives in XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that Ive marked as inaccurate. XXXX XXXX XXXX  ( XXXX XXXX ), XXXX XXXX ( XXXX XXXX ), XXXX XXXX  ( XX/XX/XXXX XXXX ), XXXX XXXX XXXX XXXXXXXX ( XXXX 2024 ), XXXX XXXX  ( XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not solicit this company for their business BMO HARRIS BANK XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2017 2017
Product: Credit reporting, credit repair services, or other personal consumer reports

Account for XXXX XXXX is violating my FCRA rights by not deleting its account, that is XXXX years old. It's still reporting on XXXX and Equifax. It is beyond its statute of limitations to be reporting.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain inquiries listed on my credit report, which I believe to be fraudulent. Upon reviewing my report, I identified unauthorized credit inquiries that I did not initiate, authorize, or consent to. These inquiries are adversely affecting my credit score and do not reflect any legitimate application for credit or services made by me. 
The specific inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am currently receiving debt collection letters and have a false negative collection report on my credit report filed by XXXX XXXX XXXX. XXXX  is claiming that I owe a debt from Sterling Jewelers ( Jared Jewelers ) in the amount of {$7700.00} dating back to XX/XX/2014. My identity was stolen back in XXXX. Sterling Jewelers, after investigating the charge on my account, determined that I was in fact the victim of fraud and that the debt was being cleared from my account. I possess a letter from Sterling Jewelers dated XX/XX/2014 stating that the fraudulent information would be deleted from my credit report and that the updated information would be reported to XXXX, XXXX and XXXX XXXX credit bureaus. This matter was closed six years ago and I am STILL suffering consequences.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just have old things on my credit and it never goes Away
Product: Checking or savings account

I had an account with SoFi online banking my account got hacked which wasnt my fault but there closing my account saying it is fault because it was secure
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX