23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am submitting a formal complaint against National Recovery Agency for illegally reporting a medical debt to the credit bureaus without my consent, in direct violation of the Health Insurance Portability and Accountability Act ( XXXX ), the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), XXXXViolation of XXXX ( XXXX XXXX. XXXX ) & Unauthorized Disclosure of Medical Information Under XXXX regulations , medical providers and collection agencies can not share, disclose, or report my protected health information ( XXXXXXXX ) without my written consent. National Recovery Agency has not obtained my consent to disclose this alleged medical debt to third-party credit bureaus. This constitutes an unauthorized disclosure, violating XXXX privacy rules and federal law. XXXX. Violation of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. XXXX XXXX XXXX ) 15 U.S.C. XXXXe ( XXXX ) Prohibits false, misleading, or unauthorized credit reporting. 15 U.S.C. XXXXf ( XXXX ) Prohibits attempts to collect an invalid or unauthorized debt. 15 U.S.C. XXXXg ( b ) Requires proper debt validation before reporting or collection. National Recovery Agency has failed to validate the legitimacy of this debt, yet continues to report it, violating federal consumer protection laws. XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. XXXX XXXX XXXX. ) 15 U.S.C. XXXXb ( a ) ( XXXX ) Credit bureaus must have permissible purpose before receiving any consumer information. 15 U.S.C. XXXX ( a ) Prohibits reporting of certain information beyond the legal timeframe. 15 U.S.C. XXXX ( b ) Requires credit bureaus to maintain maximum possible accuracy. Since I never authorized the reporting of my medical debt, this account must be immediately removed from all credit reports under FCRA compliance.
Product: Debt collection

On XX/XX/2019 a letter was sent to me from XXXX XXXX, XXXX regarding a debt that is owed to XXXX Funding/ XXXX  XXXX XXXX, XXXX. I proceeded to contact XXXX Funding through the mail for the second time that this debt was not mine. They did not respond with the information I requested. On XX/XX/XXXX I then received a pre-approved letter from XXXX XXXX indicating I was pre-approved for a {$2000.00} credit line for their XXXX XXXX  credit card. My concern is that if the debt they claimed I owed was mine I would not be eligible to be approved for a credit line through the same company claiming I owe them. I want the account mentioned in the letter sent on XX/XX/2019 removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED.

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit been ran without my permission or signature. There is shared information without my permission and the credit. I have not received a printout of my credit report as requested with the issues of fraud done. I would like to dispute the company that is on my report with out my permission.
Product: Credit reporting or other personal consumer reports

I requested companies to remove fraudulent inquries from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the the following account XXXX XXXX / XXXX XXXX. Please investigate to ensure there is no fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent about my accounts dated last XX/XX/2021. However, any modes of response or coordination were not taken on their end. Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continuously reported as unverified information on my Credit Report. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX OF XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX {$450.00} XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

These accounts are unauthorized and not related to any transactions by me. XXXX XXXX ( amount {$130.00}, account XXXX, opened XXXX ) XXXX XXXX XXXX ( amount $ {$1200.00}, account XXXX, opened XXXX ) XXXX XXXX ( amount- {$610.00}, account XXXX, opened XXXX ) XXXX XXXX  XXXX ( amount - {$480.00}, account XXXX, date opened XXXX ) I have no knowledge of these accounts, I would like these deleted within 4 business days, I would like the account removed, per 15 U.S Code 1692g. Thank you
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees as well as multiple returned item 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 having available funds. I believe these practices are unfair and request an investigation into my account transactions. Every account i've ever had with Navy Federal needs to be reviewed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent out disputes challenging inaccurate information that is illegally reported on my consumer report. 

per section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. 

These accounts XXXX XXXX  XXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) XXXX XXXX XXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) XXXX XXXX XXXX XXXX is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ) 168i ( c ) - Statement of dispute required by CRA after 30 days following a reinvestigation. 

No statement was issued that this account was in dispute so how can it even be verified if it's not listed as disputed? its been way over 30 days and still no results on any investigation Cleary my dispute wasn't taken seriously and my rights as a consumer have been played with like a child. This has been causing my family stress that we can't move due to these accounts. 

I thought a cra had 30 days to complete a full investigation please detail me on why the law has been violated?
Product: Checking or savings account

I bank with Bank of America and have XXXX through the mobile app. My account was hacked and someone attempted XXXX seperate transactions through XXXX to another party ( $ XXXX $ XXXX {$500.00} ). Only one transaction went through, {$350.00}, and the other XXXX were stopped. I filed a complaint to Bank of America and after 10 days they concluded there was nothing to be done as it appeared that the transaction had come from my device/account even though I was hacked and declined the XXXX {$500.00} charges when the text was sent to my phone asking if I authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

These hard inquiries are listed on my report illegally and without proper written consent or my knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Sm Bus Admin ODA XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am wanting these inquiries deleted because I did not authorize these companies to run my credit and it is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX amount {$1100.00} ( Chapter XXXX bankruptcy discharged XX/XX/XXXX amount {$0.00} im a victim of identity theft filed ftc police report items where removed found unverfifiable they haved returned after my request to remove and block filed complaint with transunion XXXX  XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc ) due to inadequate customer service and unfair practices which violate the consumer financial protection ( EFTA ) andact ( cfpa ) .specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fraud transfer act ( EFTA ) and regulations E.these actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Bank account or service

While shopping I found my debit card could not be used. I contacted Capital One bank to determine why. I was advised that the account had been garnished. This was my first notice. With help from XXXX XXXX XXXX XXXX, I filed a motion to elect exemption from the garnishment XXXX XXXX, 2015. On XXXX XXXX, 2015 the XXXX XXXX of Maryland granted the motion. I was advised by Capital One to visit the XXXX branch and give them a copy of the order and the branch could resolve the issue. XXXX XXXX, 2015, I delivered a copy to the branch and was advised that it would be forwarded to the legal department. Today Capital One has not made the account available to me. The garnishment has not been removed. The only money I have is a small retirement from the State of Maryland. I found that the retirement money is protected by law and should not have been garnished. The bank is aware as the direct deposit shows where the funds come from. I faxed a copy of the order to Capital One Bank and a copy to Capital One 360. I have n't heard from either entity. I want the money released so I can close the account. I feel that bank is not concerned with assisting me. I 'm certain they have received a copy from the XXXX XXXX. I do not understand why they have ignored this matter. Additionally, in XXXX and XXXX they charged me {$8.00} service charge for each month the account was not available to me, nor serviced by them. I want them to restore the service charges and allow me to close this account.
Product: Mortgage

Nationstar Mortgage did not apply funds properly in XX/XX/XXXXholding funds in a suspense account when they should have freed them to cover a payment. This started the recording on the Verification of Mortgage to state 30 day delinquent for several months afterward. Once the following months payment was received they would count the payment still holding extra funds in a suspense account. In XXXXXX/XX/XXXX Nationstar finally realized and discovered their mistake in the payment history, made the account current and actually sent me the extra funds that were held in suspense, {$3300.00}. more than a months payment. 

I wanted to refinance on an FHA loan and have a lender that would do so. Without the VOM reporting correctly, I can not qualify to refinance. This is costing me thousands of dollars! I have reported this 6 times and nothing is being corrected to the VOM. 

Still stuck
Product: Debt collection

LUNV Funding is reporting a collections account on my credit report for the amount of {$1700.00} past due as of XX/XX/2023. ( see attached ) Pursuant to Section 623 ( a ) ( 5 ) of the FCRA, a consumer account that has been placed for collections or written off must report the actual month and year the account first became delinquent. 

I have never received any notice of this collection. 
I requested from LUNV Funding LLC the following in order to validate the legality of this debt.

1. Authenticated Contract - Contract between consumer and original creditor, including terms and conditions of contract.

2. Proof of Title to debt 3. Proof of Assignment 4. Proof of debtors failure to pay alleged debt 5. Accounting ( a breakdown of what the debt consists of ) I hereby invoke my right to request the above under the following : UCC 9-406, 810 ILCS 5/9-406 UCC 9-210 8b of the Collection Agency Act, 225 ILCS 425/8b 623 ( a ) ( 5 ) of the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX UNIVERSITY Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX UNIVERSITY H Account # XXXX, Medical # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, Bankruptcy 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: Payday loan, title loan, personal loan, or advance loan

I was referred by the XXXX association that Associated banks had a grant for minority women that I qualify for and Associated bank provided me with a credit application and still denied me credit for not having enough income. I was applying for the loan so that I can make more income to open up my hair salon store front. I needed the loan to make the repair to the building I purchased.
Product: Debt collection

Portfolio Recovery Services continues to call me multiple times per day from multiple lines. I have NO ACCOUNT with them nor have they provided any factual evidence that I have an account with them. Today, I was contacted at XXXX XXXX Yesterday, XXXX XXXX Saturday XXXX XXXX, Friday XXXX XXXX Thursday XXXX XXXX Wednesday at XXXX XXXX, Tuesday, XXXX XXXX. That is 7 times in 7 days. Today I called them back. I refuse to give my name and be recorded. They said I HAD to be recorded. I asked them to stop calling my number and harassing me daily. They refused. I do not want them to call me again. I have no business with them. Please help.
Product: Credit reporting or other personal consumer reports

I got five major things on my credit report that are not mine one was one was for a car that my son did and it's in my name and it's repossession for {$13000.00} and the other two are are from XXXX XXXX they will not take it off I've sent numerous things numerous things and it is it is really hard for me to get credit or do anything with my house or get another car I don't know what else to do I would like to hit him in their pocket because that's what they're doing to me
Product: Credit card

I obtained a personal credit card with a {$300.00} limit from Capital One and after I was late on a payment, this financial institution charged me a {$25.00} late fee on top of the minimum payment which was {$25.00} as well. After this occured, I immediately stopped using this credit card and destroyed it to prevent the temptation in using it further. Subsequently, I have received continuous harassing emails in regard to collections for this account. For a financial institution to charge 100 % on late fees on top of the minimum balance is highway robbery for the lack of a better term.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to serve as part of an official legal statement for the request to get a compromised, fraudulent account removed from my credit file reporting to EQUIFAX. The private investigators that I have hired have supplied me and law enforcement with suspect evidence including some of the transactions that were used with my identity and credit card information. I have included that enclosed in the documents. The Identity Theft and Fraud is so blatant that some of the transactions erratic, in multiple geolocations and even flights to different cities. Suspect names listed in the charges and provided to me as evidence. 

I have also included FTC letter requesting to block the Data Furnishers - fraudulent data also a Police Report & Identity Theft Report. Per FCRA guidelines I have supplied this CRA with all the documents necessary to abide by Section 605B of the FCRA. All other CRA 's have abided by the regulations and Identity Theft guidelines. Equifax has delayed in getting this done and this is blatant violation of FCRA law. Additionally, to make matters worse I have received official confirmation from the FTC - Equifax Data breach eligibility tool that my identity/credit information was compromised in the 2017 data breach. 

I have re-filed the dispute process on Saturday, XX/XX/XXXX. This is the 4th time I've tried to get this fixed. 

This has all has been a significant emotional turmoil that has now affected my health and I have medical evidence of such. Please get this corrected as soon as possible. 

Last important note, this is now a civil case and I will be pressing charges against the individuals responsible for using my data. I will not stop, until this is fixed.
Product: Credit reporting or other personal consumer reports

I have received responses from the credit reporting agencies indicating that the investigations into these accounts were deemed verified and updated. However, my credit report continues to show numerous inaccuracies. 

As outlined in 15 U.S.C 1681i ( 7 ) regarding the Method of Verification, I am entitled to a clear explanation of the verification process conducted by your agency. I insist on a comprehensive account of each step taken to validate the accuracy of the disputed items. 

Despite these supposed investigations, my credit report remains incorrect. I am requesting the immediate removal of these inaccuracies from my report.
Product: Mortgage

I applied to Better Mortgage Corporation to refinance my mortgage via a total online process. I have consistently held a credit score above XXXX for years and have been paying my mortgage to the same company ( not Better ) for 15 years without a late or skipped payment. I have worked for the same company for almost 3 years as an intermittent employee where I work on projects until they end and then start another. 
I also collect a small pension and social security benefits. I was able to lock in a very good rate with Better to refinance 2.375 % for 20 year fixed. XX/XX/XXXX I had locked the rate and it was good until XX/XX/XXXX. 
I was told on XX/XX/XXXX that my application was denied because of insufficient income. 
Due to company closings during the pandemic I had collected unemployment twice ; once for 2 months early XXXX and then again XXXX - XXXX of this year. The Better company would not consider my income because of the breaks of collecting unemployment. I researched XXXX and XXXX and saw the refiNow program for which I qualified for being in the low income bracket. When I spoke with my mortgage rep to ask why underwriting would not reconsider taking my earned income, excellent credit scores and the fact that I would be paying less every month with the new mortgage I was told that my employer said that I may not be hired for more than a couple more years. I believe this was said because of my age XXXX and I don't believe my company said any such thing. He said for me to reapply again. I responded that I would not get that great rate again ( he agreed ) and why would I bother. It seems like that I was denied because the rates increased and Better mortgage would not be able to make a profit selling my loan. If the guidelines of the refiNow program state that earned income does not count due to the pandemic and collecting unemployment I would not be concerned but I am fully aware that many people had lost jobs, collected unemployment and some never returned to work. I thought the refiNow program was to assist people like myself.
Product: Credit reporting or other personal consumer reports

There is a company called COLUMBIA DEBT RECOVERY XXXX DBA GENESIS. I dont recognize this company at all they are stating I owe {$12000.00}. I have never heard of this company nor XXXX XXXX XXXX. Someone used my personal information to obtain a rental ILLEGALLY and nows its reporting to my credit profile. I have filed a police report on identity theft and this matter.
Product: Credit reporting or other personal consumer reports

My credit scores have really weighed on me because they're not enough to have a new loan approved. I am immensely stressed because there's so much inaccuracy from my report.
Product: Mortgage

Arvest Bank and Arvest Mortgage have recently merged, creating many issues. 
- Online payment systems aren't accessible - Phone support is lacking and can not provide information - Information about the merge has a date of XX/XX/2022 on the letterhead but customers didn't receive the letter until early XXXX notifying us of the change less than a week away. 
- XXXX XXXX was slated to be the day that the mortgage information was back online, but it's now XXXX XXXX, and the website still is not functional. 
- Poor communication : Customer support is unable to provide a date - Potential Credit Score hits : I'm concerned that my account may show that I was late on my payment due to this change.
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT WAS CLOSED DUE TO FRAUD/IDENTITY THEFT AND NEEDS TO BE DELETED FROM MY CREDIT REPORT

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
THE ACCOUNT SHOULD NOT STILL BE REPORTING FRAUDULENT INFORMATION ON MY CREDIT REPORT ex...late payments, charge-offs, collections etc...
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not receive any notification about my letters for them nor results from the information I have disputed.
Product: Payday loan, title loan, personal loan, or advance loan

this company originally started taking about {$240.00} per month out of my checking account and all of a sudden they started taking out {$300.00}. per month and i ask them to stop, so i sent them a payment of {$250.00} on XX/XX/year> and emailed the customer support and ask them not to debit my account but they did on XX/XX/year> any way because i can '' t afford to pay that amount every month.. please ask them to stop and i will pay them the {$250.00} or $ 240 monthly.. it seems like they want to take what's good for them.. i forgot to say that took {$49.00} out today.. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding the Equifax data breach in Summer 2017, and that my information was among that stolen.