23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Demand for Payment Due to Violations of Consumer Rights Dear Experian, XXXX XXXX and XXXX, I am writing to formally demand payment in the amount of {$1000.00} for each violation of my consumer rights, as specified under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 and 15 U.S.C. 6892.

I have identified the following violations in regard to my credit report : 1. Permissible Purpose : You have reported information on my credit report without a permissible purpose, as required by the FCRA.

2. Failure to Provide Verification : You have failed to provide any method of verification upon my request, which infringes upon my rights under the FCRA.

3. Notification Requirements : You did not notify me at least five ( 5 ) days prior to reporting any information on my credit report, which is a clear violation of the FCRA.

Each of these violations constitutes a breach of my consumer rights, for which I am entitled to compensation of {$1000.00} per violation. Given that there are three distinct violations listed above, I am seeking a total payment of {$3000.00}.

Please remit payment to my address listed above within fifteen ( 15 ) days of receipt of this letter. If I do not receive a satisfactory response within this timeframe, I will have no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal representation to enforce my rights. 

I trust that you will treat this matter with the urgency it deserves and look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Phoenix Financial started contacting me several months ago about medical debt from XXXX totaling around XXXX. 
In XXXX I had medical insurance. 
I do not remember any medical visits from XXXX years ago and have never recieved any bills. 
I initial talked to Phoenix Financial and I informed them that I had insurance then and do not remember any medical visits during that time frame. 
I asked for any and all documentation and they can not and will not provide me with anything. 
I even called the original creditor and they even advised me not to pay it and they stated that they only show I owe them a {$4.00} copay from last year My credit is very important to me as I have worked very hard to make sure I have a good score and positive reporting to it. 
They call and harass me 1-2x a day and have reported it to my credit. 
Upon further reviewing of this company I am seeing lawsuits and tons of complaints due to the harm they are causing people from their faulty and false reporting. 
I feel victimized and would like any and all information I can obtain to combat this. 
Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Equifax for failing to conduct a proper investigation regarding a data breach that involved my personal information. As a result of this breach, inaccurate and fraudulent information has appeared on my credit report, which is negatively impacting my creditworthiness and causing significant harm. 
I was informed that my personal data had been compromised due to a data breach involving Equifax. This breach led to unauthorized accounts being opened in my name. I immediately took action by filing a report with the Federal Trade Commission ( FTC ) and notifying Equifax of the situation, including submitting a request to block fraudulent information from my credit file, as required by the Fair Credit Reporting Act ( FCRA ). Despite this, Equifax has failed to conduct a thorough investigation, allowing these fraudulent accounts to remain on my credit report.

Specifically, I have requested that all fraudulent accounts be blocked and deleted in accordance with 15 USC 1681c-2 ( a ), which mandates that information related to identity theft be removed from my credit report. However, Equifax has not taken the appropriate action to investigate or resolve this issue. Instead, they have allowed inaccurate and damaging information to remain, which is severely affecting my credit score and preventing me from accessing credit under fair terms. 
The failure of Equifax to properly investigate this data breach and rectify the inaccuracies in my credit report has caused undue stress and financial harm. The negative entries are lowering my credit score, which directly affects my ability to secure loans, credit cards, and housing. This ongoing issue is not only damaging my financial health but also violating my rights as a consumer under the Fair Credit Reporting Act and other applicable consumer protection laws. 
I am requesting that the CFPB investigate this matter and hold Equifax accountable for its failure to uphold consumer protection laws and properly investigate this data breach. It is critical that Equifax be compelled to remove the inaccurate information from my credit report and ensure that no further harm is caused by this breach. 

Thank you for your attention to this matter. I trust that the CFPB will take the necessary steps to protect my rights and ensure that Equifax fulfills its obligations under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXXEquifax and XX/XX/XXXX did not remove all inquiries that was not affiliated with my open accounts I provided police report that clearly states that I was an victim of identity theft
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im unfamiliar with this account XXXX XXXX account number XXXX My identity was stolen i tried to this but I got no information Credence resource management account number XXXX Im unfamiliar with this account
Product: Credit reporting or other personal consumer reports

I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : DPT ED/XXXX  XXXX Balance Owed : {$1500.00} DPT EDXXXX XXXX Balance Owed : {$920.00} DPT EDXXXX XXXX Balance Owed : {$9300.00} XXXX XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX Balance Owed : {$0.00} ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$910.00} XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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   XX/XX/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 XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. 


I contacted XXXX  and their consumer service will not help me at all with this issue,
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I contacted PayPal 's credit department after receiving a letter indicating that my monthly statements were not being sent to my email. The letter prompted me to reach out to rectify the situation. I confirmed that my email address remained unchanged and was functioning properly. Despite this, I had not received any statements from PayPal. During the call, I explained my situation to an agent at SYNCB/PAYPAL, but when I attempted to verify my account, I encountered another issue : the security code needed for verification was not being sent to my registered phone number. 

After explaining this problem, I was transferred to several different departments throughout the call, but despite my efforts, the issue remained unresolved. No one was able to provide a solution to why both the email statements and security code verifications were failing, and by the end of the call, no progress had been made in fixing either issue. 

Later that evening, I received notifications from all three major credit bureaus informing me that I now had a balance on my PayPal credit account. This development immediately caused a decrease in my credit score, which was both unexpected and concerning. The sudden reporting of the balance on XX/XX/XXXX seemed out of place, as my billing cycle for this account is on XX/XX/XXXX, and my payment due date is on XX/XX/XXXX. This raised the question of how SYNCB/PAYPAL could have submitted my account balance information to the credit bureaus well before the normal reporting date, especially when I had reached out that same day due to communication issues. 

This sequence of events has caused significant confusion and frustration. Not only was I unable to resolve the issues with my account and the missing statements, but I am also now facing the added stress of a drop in my credit score, seemingly caused by a premature reporting of my account balance. Given the circumstances, I am seeking clarity and resolution regarding the premature reporting and ensuring that my account 's communication channelsemail and phone verificationare restored to proper functioning.
Product: Student loan

my loan was referred to them to have lower payments and the payments were very expense and not fair because the school that i am repaying the loan for was closed down due fraud. I was looking for assistance with payments that was within my budget and the payments they calculated were very expensive. and they always suggested forbearance now i am behind because i could not afford the payments.
Product: Mortgage

I originally purchased a home with a mortgage from Countrywide which was then purchased by Bank of America. A little while after the purchase my wife lost her job and I tried to be proactive and work with the lender. I was told they would n't negotiate with us until we were pass due and to stop making payments. Then I called them after I was XXXX days past due and they told me not to send any payments unless it was in full and they would send me a packet. I completed multiple packets with them to restructure the loan and was told they lost the information or never received it. We got so far behind we attempted a short sale. We had a reasonable offer on the table and the lender refused it. XX/XX/XXXX we had a court hearing where I told their attorney and the judge we just wanted out of the home so we could start over. I was told the foreclosure sale would happen XX/XX/XXXX. We moved out of the house in preparation for that but the foreclosure never happened and over XXXX years later they still have n't done anything.
Product: Debt collection

this bank who collects for JC Penny contacts me daily I've told them because of covid 19 I am unemployed ; they said it doesn't matter ; they will continue to collect
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 fees due to lagged 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 which led to them closing my account. I believe these practices are unfair and request an investigation into my account transactions.
Product: Money transfer, virtual currency, or money service

Wired {$170000.00} to XXXX XXXX also known as XXXX XXXX on XX/XX/XXXX at my XXXX Bank at XXXX. XXXX XXXX was supposed to deliver me Signed contract upon receipt of my proof of money being deposited into his account. Previously we had an agreement through via email that he was going to send me his sign portion of the contract when money is deposited. When that was completed I contacted XXXX to confirm if he received wire and he said yes. Later on that evening I received a call from another promoter name XXXX XXXX that he had already had a signed Contract agreement with XXXX XXXX for that same date I agreed with XXXX. 
XXXX sent me documentation proving to me that he wired money to XXXX just like I did and he showed me his signed contract he had with him that was signed on XX/XX/XXXX from him and XXXX. I immediately called XXXX about this wrongful crime he committed and requested for XXXX XXXX to refund me back my {$170000.00}. He promised me he would and needed more time. I was Believing his lies at the time till this point when I said enough is enough. I have been more than reasonable to him.. it is not that hard to refund me back my money. 
The purpose of this wire was to book his XXXX XXXX XXXX ( stage name ) for XX/XX/XXXX at the XXXX XXXX XXXX XXXX XXXX real Name is XXXX XXXX XXXX 
XXXX claims the reason for his delay to give me back my money is because of his XXXXXXXX XXXX XXXXXXXX didnt want to return it back to me. Also he mentioned that it would damage his business and relationship with XXXX which I believe was another lie to keep my money and to stall time. The next lie XXXX told me was that he was in XXXX and was receiving a XXXX XXXX dollar transaction from someone and would pay me back out of that.. according to Artie.. due to the server it wasnt allowing him to wire me the money so he needed a few days to wire me back my money, my attorney is my witness he stated that because he was on the phone with me. At this point he has forced me to report this crime because I have ran out of patience and option to try to rectify this situation with XXXX XXXX. XXXX XXXX has illegally obtain money from me by deception. He knew what he was doing this entire time and I believe XXXX XXXX knew it as well. I have lost more than {$170000.00} now.. my time, attorney fees and etc. I would like to pursue Federal legal actions against him for my lost wages and damages he has caused me personally and to my business. 

Drop box link eith XXXX & XXXX messaging each other. XXXX kept lying about returning my money back. now he is not responding nor is his bank.. JP Morgan helping me with this issue : copy or paste in web browser or click link below to view XXXX XXXX XXXXXXXX? XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXXXXXX XXXX XXXX - XXXXXXXX XXXX  - XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Upon careful review of all  XXXX  credit reports I found a company named CONVERGENT OUTSOURCI listed in my reports attempting to collect a debt on behalf of  XXXX .     Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation, which is binding on me to pay this debt. Below are a few questions, which may help you to resolve these mistakes.     You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. Im sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state and federal agencies.     In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt.   Agreement that bears the signature of the alleged debtor wherein he agreed to pay the creditor.   Any insurance claims been made by any creditor regarding this account.   Any judgments been obtained by any creditor regarding this account
Product: Checking or savings account

I was reached out to via email regarding a job offer from a company by the name of XXXX XXXX XXXX. They were inquiring about me applying for a customer service representative position for the company. I followed the instructions given via email, and set up a XXXX XXXX  account, and was told to reach out to a gentleman by the name of XXXX XXXX. We were in communication about the job from XX/XX/2023 through XX/XX/2023. On Monday of XX/XX/XXXX I was sent a check issued by XXXX XXXX  for the amount of {$1200.00} which was meant to be used for all of the supplies that I would need for the job. I deposited the check online through my mobile banking app. The check said that it wasnt going to be processed until XX/XX/XXXX. XXXX had told me that the funds were to sent to the vendor so that, the vendor could then mail me the supplies. Since I communicated to him that the check was still processing, he had asked me if I had {$1200.00} so that I could send the money to the vendor. I did so because I was under the assumption that the check would be available in my account no later than XX/XX/XXXX, so my money would be reimbursed by the check that I had deposited. He gives me instructions to send money to a recipient by the name XXXX XXXX using the email provided ( XXXX ). And once I sent the money. Thats when communication started to shorten. I am afraid that my identity as well as my privacy may be threatened since he had also sent me a XXXX form to fill out. My address, social security as well as my email address were given out. I dont know what to do and I need help assuring me and my family are safe and that this doesnt happen to anyone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX Equifax Re : XXXX XXXX XXXX To Whom It May Concern : I am requesting that a dispute be initiated for a XXXX XXXX # XXXX. Enclosed is a copy of drivers license, copy of the reporting of the XXXX XXXX account, Copy of the Certified Letter sent on I continue to dispute the validity of this account. Can you notify me of the outcome of this correspondence? Thank you for any help you may provide in this matter. Thank you Sincerely,
Product: Debt collection

these guys are spoofing numbers from my phone so it looks like my contacts. I wont give them my information they call 3-4 times all from contacts in my phone i call my friends back they have no clue what I'm talking about. 
I live in Texas Thier website doesn't have credentials and licensing according to their website to practice in Texas https : //rauschsturm.com/ Rausch Sturm LLP XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items that are reporting inaccurately on my credit report : INCORRECT PERSONAL INFORMATION : Names : XXXX, XXXX, XXXX Address : XXXX To XXXX Ct ( XXXX ) Address : XXXX To XXXX Ct ( XXXX & Experian ) Address : XXXX To XXXX Ct ( XXXX ) THESE ITEMS DOES NOT BELONG TO ME. IT IS REPORTING EITHER IN ERROR OR BY MEANS OF IDENTITY THEFT : Bankruptcy Chapter - Chapter XXXX filed XX/XX/2013 ( XXXX & Experian ) The following items are incorrectly reporting that I was late : XXXX   XXXX  - Opened Date : XXXX ; Bal : {$650.00} ( XXXX, Experian, XXXX )
Product: Mortgage

Specialized loan servicing. 
Account number XXXX I have been trying to do a settlement on a HELOC for a property that is no longer owned ( original foreclosed upon 15 years ago ). I have been working with specialized loan servicing for 2 months only to continue to get run around asking for same documents time over time. 

I am requesting a settlement as I have paid for 15 years on a property no longer owned. 

Requesting help as they continue to give run around with no support I have never been late Rates keep going up Property not owned Original house foreclosed on 15 years ago.
Product: Mortgage

THE ECONOMIC TURN DOWN DROPPED OUR PROPERTYS VALUE BY OVER XXXX %. WE ARE UPSIDE DOWN. OUR LOAN WAS BOOK AT XXXX % AS A XXXX DUE TO OUR FINANCIAL STRENGTH. WE HAVE NEVER PAID ANYONE LATE, NEVER. BB & T HAS BEEN CONTACTED SEVERAL TIMES ASKING FOR A LOAN MODIFICATION. WE DO NOT QUALIFY AS WE PAY ON TIME. BB & T WAS ASKED WHAT PROGRAM THEY HAD TO HELP PEOPLE IN OUR POSITION XXXX YEARS AGO. WE WERE TOLD SOMETHING WAS IN THE WORKS BUT NO PROGRAM HAS BEEN ANNOUNCED. A SECOND MORTGAGE COMPLICATES THE ISSUE AS XXXX WILL ONLY SUBORDINATE IF THE NUMBERS WORK AND OURS DO NOT.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I discovered several fraudulent inquiries on my credit report that I did not authorize : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX US Bank XX/XX/XXXX