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

I received two letters from XXXX XXXX with notifications that I was deceased. I called them and spent over a hour on the phone trying to correct their mistake. The follow day I received a email from Experian alerting me that my social security number was linked to a deceased person. I attempted to call the number on the email and even attempted another number located on their website/membership contact us page. After multiple failed attempts to make it through their automated system i would like to file a complaint, I am unable to correct this information with them because at no point in their automated system can you, or does it give you the option to speak to an actually human being. This entrain situation has delayed my potential to enlist in the military and had potential ramifications on my credit and other areas of my life if I can not get it resolved. And I am unable to do so because of the inability to actually get into contact with anyone from that credit reporting agency.
Product: Mortgage

I received notice that my personal information was leaked by LoanDepot earlier this year. I have requested on multiple attempts the source of the my data and why LoanDepot had my data. I have never applied for a loan with LoanDepot and have not applied for any mortgage or loan in 15 years. LoanDepot continues to not provide me the information I have requested. This should not be an unusual request. I will continue to escalate until i am provided this informition.
Product: Credit reporting or other personal consumer reports

This is additional complaint versus WELLS FARGO. First complaint XXXX failed. I received call to clear up situation after initial complaint. Spoke XXXX with individual in XXXX office ( supposedly ). Today received letter dated XX/XX/XXXX that theyve been unable to reach me. SHAMEFUL. Im a victim of identity theft and dealing with Wells Fargo makes me wan na call police fbi whoever on them for aiding and abetting. DISCOVER card agreed to clear my credit report in XXXX minute phone call. Wells Fargo wants me to fill out a stack of paper work and mail it to them. Are you kidding me? Ive spoken and reported to Wells Fargo 4x. Do your job! XXXX also getting a complaint for FORCING consumers to have the requesting agency clear record. original complaint Wells Fargo fail. Fraud department would not confirm card application canceled that I did NOT submit/ apply. 2 step process with credit card application agent. Then transfer to fraud department. Fraud dept insisted on additional personal information that they have no right. Social security number is already too much.
Product: Credit reporting, credit repair services, or other personal consumer reports

Allied collection service should not report on my credit report as I am not liable for the debit since I have no contract with them. From  XXXX    XXXX  . They can not validate that I have a signed contract with them.   XXXX   XXXX  ,  XXXX   XXXX   XXXX   XXXX . Sections  XXXX  ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.
Product: Credit reporting or other personal consumer reports

Discover, You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Upon a recent review of my credit report, I identified discrepancies pertaining to my account under 15 U.S. Code 1666 ( b ), specifically related to billing errors as outlined in subsections ( 4 ) and ( 5 ). It has come to my attention that there are inaccuracies in reflecting payments and computations on my statements.

As per the Fair Credit Billing Act ( FCBA ), I understand that creditors are obligated to provide accurate and timely statements, notifying me at least 21 days in advance. Failure to adhere to this requirement can result in billing errors, specifically in relation to the marking of late payments.

As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, I have already sent this letter to the Complaint Portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Product: Debt collection

This company is claiming to have purchased medical debt from a previous debt collector. This company has no legal right to possess any medical information about me and I never signed any release of any medical records to this company. They claim I owe XXXX. I demand any and all proof that I have any medical connection to this place to be mailed to me. I also demand proof of certificate allowing collection practices for my state. Plain computer printouts is not acceptable. I demand to see my real information such as any signature and itemized medical charges with this company that enabled them to have medical knowledge about me. If they cant prove this, next step is the Alaska Attorney General.
Product: Prepaid card

Im having trouble using the card for any purchases online or in person, and I have the enough amount to buy with.
Product: Student loan

Edfinancial Loan provider needs to be looked into. People are requesting refunds for payments made during the covid lockdown, including myself, which we are entitled to. These refunds are taking up to 150-200 days with no email or paper trail confirmation. 

Many people are getting their refunds much faster with other loan providers, but Edfinancial services is completely unacceptable. We need to get these refunds processed before the end of the year and our money back into our accounts. 

Please if anyone is reading this I'm sure there are other complaints about Edfinancial services. 

HELP US PLEASE
Product: Checking or savings account

I am writing to file a complaint against Navey Federal Credit Union regarding multiple overdraft fees I have incurred, despite having the sufficient funds when the transactions were authorized, I was charged fees due to lagged posting of charges and credits. this issue aligns with the recent CFPB findings against Navey Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request in investigation into my account transactions
Product: Credit card or prepaid card

Between XXXX 2022 to XXXX XXXX 2022 someone used my card for several transactions. Including a lot of out of state and even well known scam charges such as XXXX XXXX XXXXXXXX. To a total of over {$8000.00}. I was paying a bill when I noticed this. I called and they said no problem. But later hasnt a letter saying they were billing me for all this. XXXX XXXX XXXX XXXX is a horrible credit card to have.
Product: Money transfer, virtual currency, or money service

Not being able to link MY account wherever I choose is not acceptable. You have absolutely no right to do so. That should solely my decision.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has been reporting inaccurate and incomplete information on my credit Report. I have documents proving this is inaccurate and incomplete. Please delete XXXX XXXX over my credit report immediately please.
Product: Credit card or prepaid card

Hello XXXX XXXX XXXX & XXXX XXXX XXXX, I was a loyal customer with Citizen 's Financial Group. On XX/XX/2022 XXXX I called in inquiring about a transaction that declined via phone. I was on hold for about XXXX till someone named XXXX answered. I explained to XXXX my concerns in regards to my card declining. I though he was nice during the beginning of he conversation, boy did the conversation take a turn quick! He began to explain to me the reason behind my card declining was due to non payment. Meaning I did not make a payment. I was very confused and shocked, due to me owning my own XXXX XXXX XXXX. I in fact pay all my bills on time. So I asked him when was the last time payment was made he stated XX/XX/XXXX. When he stated XXXX, knowing my due date is XXXX of month, I kind of hit the panic button, like have I been that busy lately I forgot to make a payment, like how can I be so foolish. 
As he's speaking, I asked will the late payment reflect on my consumers report, he said Yes! I than said well are you aware that late payments are a violation? And if you report the late payment I will close the account and just get it removed for FCRA reasons. When I stated I will just get the account removed he stated ok! So I asked him how many days was I late and answered and said XXXX. So It instantly XXXX clicked! Like wait a minute, XXXX of being late can not get reported. So I said are you aware of what you just said to me? You stated I was XXXX, so I'm not late. You instantly started using an abusive tone with me. As went as far as mocking me. I was so shocked and surprised. I explained to him how I suffer from anxiety and to please not use the tone he was using with me. That didn't stop XXXX. Moving forward not only was rude, nasty used an abusive tone he provided inaccurate information. Just to later learn that the account is only XXXX pass due. I will not ever do business with Citizen Financial Group. Expect to hear from my attorney I will also be closing the account
Product: Credit reporting, credit repair services, or other personal consumer reports

Your Agency has furnished the records ( see attached ) to the following Credit Reporting Agencies XXXX, XXXX and Equifax. I have also filed previous complaints regarding the erroneous reporting accounts. You have previously been notified through these agencies regarding my dispute. Your agency has failed to be in compliance with the Fair Credit Reporting Act. Under this act your agency have failed at its duties pursuant to 15 USC 1681s-2 ( b ), 15 USC 1681s-2 ( a ) ( 1 ) ( A ) 15 USC 1681s-2 ( a ) ( 1 ) ( B ) The these continuusly reporting of the folowing acconts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  make your agency prone to suit pursuant to 15 USC 1681n and 15 USC 1681o i will also seek damages. To avoid any further actions I request that you Delete the accounts from XXXX, Equifax and XXXX within 15 days of this complaint.
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 XXXXXXXX XXXX XXXXXXXX DATE : XX/XX/XXXX :, XXXX XXXX, XXXX XXXX SERVICES : DATE : XX/XX/XXXX, XXXX  XXXX : DATE ; XX/XX/XXXX, XXXX XXXX : DATE XX/XX/XXXX, XXXX : DATE : XX/XX/XXXX, XXXX XXXX XXXX : DATE : XX/XX/XXXX, XXXX XXXX XXXX : DATE : XX/XX/XXXXXXXX XXXX XXXX  : XXXXXXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX : DATE : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX, XXXX XXXX SERVI DATE : XX/XX/XXXX, XXXX XXXX  : DATE : XX/XX/XXXX, XXXX XXXX XXXX XXXX : DATE : XX/XX/XXXX, XXXX XXXX XXXX XXXX : DATE : XXXX XXXX XXXX  XXXX : DATE : XX/XX/XXXX, XXXX XXXX XXXX : DATE : XX/XX/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 accurate.
Product: Debt collection

I have been contacting this company for over two years trying to verify a debt that XXXX XXXX states I owe. I have repeatedly asked for verification of debt, method of verification, names of who they spoke with to verify the debt and even sent a letter to the original creditor who stated that they no longer have any records and I need to call Midland but they have yet to verify a debt I supposedly owe. I do not owe this debt nor do I have any knowledge of this debt owed.
Product: Credit reporting or other personal consumer reports

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

Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXXXXXX 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. It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 c. ( a ) ( 5 ) section states a 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 antidotes the report by more than XXXX years. 15 U.S.C 1681 s-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

XXXX XXXX has and still has a system breakdown where myself and hundreds if not thousands of consumers can not access their accounts to pay or use their credit cards. 
XXXXXXXX XXXX will not take responsibility for this and now has passed off to collection agency after ruining my credit. I am part of a class action law suit and am waiting for settlement as per my lawyer. I, along with hundreds if not thousands are suing XXXX XXXX  for ruining our credit. XXXX XXXX XXXX irresponsible actions have caused me to lose the ability to lease space to teach my classes and have impacted my ability to earn income as well as renting and purchasing a home by decreasing my credit score from good to fair to poor all their fault. I will counter sue XXXX and credit collection for this. I have months of proof with broken links sent by XXXXXXXX XXXX  and proof that I could not access my account and associates who could not access or find my account. I have a stellar payment history with all my credit and XXXX up until XXXX when their system was compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

" XXXX XXXX '' is still reporting on both XXXX and Equifax, long after I have sent disputes in to the bureaus. They also have never responded to my disputes nor sent proof of HIPPA authorization. 

They have fallen short of providing me the following information : -Validate the alleged debt- Provide me with my HIPPA authorization -Please provide breakdown of fees including any collection costs and medical charges. 

-Provide a copy of my signature with the provider of service to release my medical information to you. 

-Cease any credit bureau reporting until the debt has been validated by me. 

-Explain and show me how you calculated what you say I owe. 

-Provide me with copies of any documentation that show I agreed to pay this debt.
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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have contacted RPM about the validation of this debt and received a letter stating they need more information.
Product: Debt collection

I sent a letter requesting removal/deletion of erroneous hard credit inquiries. I used the addresses as published on my personal XXXX credit report. The mail comes back " not deliverable as addressed- unable to forward. '' If XXXX is publishing fictitious addresses, how am I able to have the inquiry deleted? I have had this problem with the phone numbers that are published as well. Please advise! Thanks in advance!
Product: Credit reporting, credit repair services, or other personal consumer reports

This company CPS in my case which should be investigated for PREDATORY LENDING that is the issue. The response from this company deviates from what the real issue. They sold a Lemon and are still collecting monies from a car that the transmission failed 29 days after I received the car. Not even 2 years after I paid for a transmission for {$3500.00}. The motor fails. There is a real consumer issue with this company that needs to be addressed. 
Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, ( XXXX, XXXX, Equifax, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX  XXXX account # XXXX, XXXX account # XXXXXXXX XXXX account # XXXX, XXXX XXXX account XXXX XXXX, XXXX  XXXX  account # XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX ) I am Attaching identity and proof of address.
Product: Credit reporting or other personal consumer reports

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate Under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure.

A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( ii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such turnshe fre ago descriptiable ; by not later than 15 days after receiving a request from the Also, under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

Please send the following information used to validate the items below and show where I gave written permission to be on my credit report in the first place, otherwise delete them from my credit report immediately or I will seek monetary damages : XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # xxxxxxxxxxx XXXX XXXX account # XXXX
Product: Checking or savings account

I opened my account with TD Bank on XX/XX/XXXX because TD advertised a {$300.00} bonus to be paid within 95 days of opening if there were a minimum of XXXX in direct deposits. I direct deposited well over XXXX, and it was 95 days from the opening date on XX/XX/XXXX. I  haven't received the {$300.00} bonus. I contacted TD via their online messaging center and asked where is the bonus. " XXXX XXXX '' answered that it can take up to 145 days. This is ridiculous. TD advertised that the bonus would be paid within 95 days and it should have been paid within 95 days.
Product: Checking or savings account

On XX/XX/2020 I received a mobile banking alert from my bank at the time Bank of America alerting me that my account was negative, upon checking my account I noticed that it was severely negative. I have tried contacting the bank after multiples attempts to get in touch with someone I was placed on hold for long periods of time until the call eventually dropped. I was finally able to get a hold of someone, finally get transferred to the fraud department to only find out that my account was closed without speaking to me regarding the fraudulent activity that took place on my account. A month prior to this incident I have contacted the bank alerting them that fraud was suspected on my account due to funds disappearing without my authorization.
Product: Credit reporting

I had XXXX collections show up on my transunion report. XXXX showed up in XX/XX/XXXX and XXXX showed up in XX/XX/XXXX. I never received anything from the collection company. No dunning letter or right to dispute which is my right according to the FCRA. As soon as I saw that they where on my report, I sent XXXX a validation letter asking for proof that the the XXXX collections where mine and the proper validation under the fdcpa. I sent it certified mail so I had proof when they received it. I waited the 30 days for there response and the requested proof and when the 30 days came and went and no correspondence was sent to me, I sent transunion a letter with proof that XXXX got my request for validation and a copy of the letter I sent. I demanded that the XXXX collections be removed from my report since they where put on there and XXXX didnt follow the rules they are required to do by the fcra. I received a letter from transunion yesterday saying that they had updated the XXXX accounts and that they where remaining on my report. I have not received any proof that these collections are mine nor has Midlands sent me any validation. According to the fcra, if a collection agency does not validate a debt within the allotted 30 days they are allowed, the credit reporting agency had to remove the account. 
I have attached all correspondence so far. Proof that Midlands got my validation letter. A copy of that validation letter. A copy of the letter that was sent to transunion and proof that they received it. Lastly, the letter that was sent to me showing the accounts where updated