23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Account United Collectioin # XXXX I'm unware of these accounts and did not have the opportunity to dispute them. Please provide Validation of Debt, Assigment of Debt, and Method of Verification. 

Please provide the " certfied mail receipt '' showing I have recieved the notification, per the law. 

Please all request listed of you will be in violation of the FCRA. 

Retreat this account from collections and remove it from my credit report, if you have not already done so. 

According to HIPAA, you have no permissible business reason to supply a third party collection agency any information regarding myself or my medical history due to no money being owed. I have no desire to cause you unnecessary difficulty, however this unnecessary negative information reporting on my credit profile is beyond damaging. 

Once I receive the response from the credit reporting agencies and if the account HAS NOT been deleted, I will be forced to take action to protect my rights as a consumer under HIPAA, FCRA and FACTA rules and regulations. Rather than through what would undoubtedly be a hassle for both you and I, please do as you have been instructed and what is right according to HIPAA requirements. While, I would rather handle this between you and myself, I am prepared to do what needs to be done to protect my rights.
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 me the consume and my ferderally protected nonpublic personal information and rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights to privacy and confidentiality. 
15 USC 1681 section 602 A, states that I have a right to privacy and confidentiality.

15 USC 1681 section 604 A section 2, states that a consumer reporting agency shall not furnish information containing an account without my explicit written consent.

15 USC 1681c ( a ) ( 5 ) states that, No consumer reporting agency shall make any consumer report containing any information of the following : any adverse information of items, other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable cause to believe that the information provided is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account this creditor has violated my rights. 

15 USC 1681 section 602 states I have a right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written Instructions.

15 USC 1666B : A Creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  inquires with XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX  XX/XX/XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information.

Section 623 ( e ). The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

dear discover, This letter is a formal request to correct inaccurate information contained in my credit file maintained by your organization. The item listed below is completely inaccurate, incorrect, misleading and is a very serious error in reporting. 

Line Item : account # XXXX Additionally, I have enclosed a copy of the credit report your organization provided to me on XX/XX/2022 and circled the item described above. 

Under the federal Fair Credit Reporting Act, credit-reporting agencies are required to maintain and report only 100 % accurate credit information and to investigate any claims of inaccuracy within 30 days of receiving such a claim. I respectfully request you investigate my claim. 
If after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item and supply a corrected credit profile to me. 
Additionally, within 15 days of the completion of your re-investigation, please forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. 
Sincerely,
Product: Mortgage

I am a XXXX and in XXXXI applied for XXXX  tax exemption with my county tax assessor. It took 12 months for the exemption to process so my mortgage payment went up roughly {$700.00} a month. I continued to make my payments on time each month in XXXX to XXXX. Around XXXX of XXXX, the tax exemption went through, and my tax payment was cut by half. I turned in the proper paperwork to the mortgage company and sent request to have my escrow re-analyzed to reflect the correct tax payment. Being in Washington state, the mortgage company noted my escrow would be analyzed in XXXX each year. XX/XX/XXXX, I saw that the mortgage company processed the tax paperwork but still had not adjusted the monthly escrow amount due each month. I again requested to have my escrow analyzed and the mortgage company responded by asking me to refinance. XXXX, XXXX, XXXX, XXXX I asked to have the escrow analyzed and still nothing. I now have a XXXX XXXX in escrow that is overpayment, and they are still keeping my money and not analyzing escrow despite my request.
Product: Credit reporting

I called XXXX XXXX, the company that accessed my entire credit report ( hard inquiry ) on XXXX XXXX, even though I authorized a different company, XXXX XXXX , XXXX, to do an employment ( soft inquiry ) and in that authorization ( documents uploaded ), I clearly requested a copy of any reports. 

When I called XXXX at the telephone number listed on the credit inquiry ( XXXX ), my call was answered " UCC '' with no name given. I asked politely about what happened, the person yelled at me and said they are not required to provide a copy of the credit report to me, and refused to give me their name after multiple requests, but yet insisted I give my name ( I refused! ). I politely pointed out that they are in fact required to provide a copy of the report, and they still insisted they do n't have to provide it, and then hung up on me. 

I want a copy of my report that was accessed, as is absolutely required under FCRA, and most of all I want to know how this law-breaking company ever got their hands on my entire file of personal information ( which was NOT authorized to anybody and can never be undone ), and also I wonder what recourse I have. I have already filed a fraud complaint and put a 90-day fraud alert on all three credit bureaus, but there is nothing the credit bureaus can do to undo the damage of giving my information to these unscrupulous people. I 'm not even sure what a " final response '' from the credit bureaus would entail, in a situation like this, apart from what they have done ( put a fraud alert on my report ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I got put into a promotional inquires on my credit report and I never signed up for promotional inquiries to be put on my credit report under promotional inquires such as Capital one auto finance, Capital one, XXXX XXXX milestone, XXXX services, plain green, and XXXX XXXX sending my information to these companies and I dont want this on my credit report or send me information for their company and if my information in their system to be deleted. I never applied to any of them.
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 XXXX XXXX Account Number : XXXX and list of Inquiries 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: Credit reporting, credit repair services, or other personal consumer reports

This has been taken off all credit reports except XXXX. The company keeps reporting when this was under fraudulent. Would like this to stop and be taken off my report. Thanks
Product: Debt collection

PHH in 2013 did not communicate they had not received from their mortgage originator XXXX the automated payment I had set up through online banking. 
As soon as I discovered the missed payment, I paid and set up automated payment so PHH draws directly from my checking account the monthly dues. 
Ever since PHH has represented me in credit reports as late payer and every time I contact them they claim I had a late payment in the last 6 months, while they can not substantiate the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting an account with XXXX which they say has a balance and that is not correct. There is no money owed to that company. Please help me.
Product: Credit reporting or other personal consumer reports

I am writing this formal grievance and a request for immediate action on your part. You are improperly reporting to XXXX, consequently harming my credit. Concerningthe provisions of the FCRA, also known as the Fair Credit Reporting Act, you are acting dishonorably. Acts of non-observance can result in fines and damages. I am only offering you one last hope for the suitability of this alleged credit situation. I had previously sent you a letter informing you that you were inappropriately reporting. Furthermore, in that request, I did assert your requirement ( s ) to properly modify my file. Because of your now-clearly ongoing misreporting ( s ), albeit all or any unfair and/or unethically non-compliantly reported insinuates that my forwarded notice wasdisappointingly belittled and or denigrated.
Product: Debt collection

LVNV Funding LLC {$930.00} I have never had an account with this creditor and my information has been accessed illegally.
Product: Credit card or prepaid card

We were charged a {$95.00} annual membership fee on our XXXX Statement ( bill received and payment due in XXXX ). We decided to close the account and pay off balance rather than pay the fee. I closed the account XXXX XXXX, 20 days past the due date on the bill but prior to the due date on the next month 's bill. 

We received a late notice from Capital One, who is still charging us the {$95.00} membership fee in spite of us no longer having a credit card with them. I called today and spoke to a supervisor who refused to void this charge and says we were two weeks too late notifying them we were closing the account and we must still pay the {$95.00}. This time period notification requirement was buried in the fine print on the back of the bill. Since we are no longer a " member '' or cardholder, this is a ridiculous fee. A membership fee implies someone is receiving some sort of benefit from the association. Since we cancelled the fee, we are receiving no benefit from Capital One and should not be responsible for this fee. Unfortunately, not paying it will only hurt our credit rating, so we are held hostage by their loan shark polices.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

my background information is not accurate i am not a drug addict, I have never been arrested for any drugs in my whole life and it shouldnt be in my backround report.I was arrested for defending myself from my abuser, I never plead guilty to any of my charges but was offered felony probation for domestic XXXX. the XXXX charge was dismissed because i only took the charge for my ex so he wouldnt go back to prison because he already had XXXX strikes.plus that was over 10 years ago it shouldnt be top priority on my background report, now i understand why no one wants to hire me..
Product: Credit card

Made a purchase through Klarna. Did a debt consolidation in XXXX paying off the entire balance. Check from my financial institution was paid and cleared the Klarna bank on XX/XX/2024. My account is not updated as paid. The vendor debits my account monthly for outstanding payments. I have reached out to company on multiple occassions, they have acknowledged receiving the payment, but have still not applied it to satisfy my account after numerous attempts. 

There is no live person to discuss this issue with only a live chat which is useless because they only escalate the matter and you have to stay on the live chat until someone eventually answers. 

Used this method of contact on a number of occasions with the promise that they would get the matter resolved. It is still unresolved today.
Product: Checking or savings account

I was charged {$350.00} in over drafts fees for a period of 30 days. Its not possible to withdraw money from the account and atm if there is a negative balance. The wells Fargo bank took all or any cash deposits I attempted and made in XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. My last deposits was {$1100.00} and I was charged {$750.00} in over draft fees. I was trying to bring my account current when I was wrongfully charged {$700.00} in overdraft fees. Wells Fargo bank took my money and any money I had in my account I was not able to withdraw the money when it was available in XX/XX/year>. Wells Fargo put a hold on my account for more than 30 days withdrew my money in XX/XX/year> and shortly after my account was closed in XX/XX/year>. The bank refused to give me my money or an explanation as to why they were closing my account without allowing me to get my money from the bank.
Product: Credit card or prepaid card

On XX/XX/XXXX, I was approved for the XXXX ( now XXXX XXXX ) card from the Amex website ( when logged into my account ). It blatantly advertised 75,000 points after {$3000.00} of spending of the first 3 months. There is " lifetime '' language on the terms and conditions of the card that it's for new customers of this card ( I've never had this card before ). I also didn't receive a pop-up from Amex saying I'm not eligible for this offer, something that Amex has been known to do if they target you as not a profitable customer.

After spending over {$3000.00} dollars on this card, I called Amex to see when my points would post. The woman on the other line said tepidly that Amex will not be upholding their promotional offer for me. 

This is very misleading and fraudulent from the customer 's perspective because Amex did not uphold their promotional offer, which is a promise that they will be awarding the customer a certain offer after a pre-determined amount of spending. THIS IS MONEY I COULD HAVE SPENT ON ANYTHING ELSE, and Amex could have TOLD ME UPFRONT that they will not be honoring their promise.
Product: Mortgage

I have had a history of complaints regarding this organization ( Bayview Loan Servicing ). I am currently in court because I filed and OSC/TRO against them due to their illegal attempts to add escrow account to by cooperative loans, and change my monthly payments to include the escrows. If you take notice of previous complaints ( XXXX, XXXX, XXXX ) there is a pattern of this mortgage servicer not providing complete information. They drag out the process by making me re-request the same information and then do not answer the points of concern, or send incomplete or incorrect responses. A ) In the beginning of this year I demanded that they send me the name and contact information of the owner of the cooperative loans I have with them. One XX/XX/XXXX they provided me with just a bank name and address. They stated the bank that owned the loan ( s ) was XXXX XXXX XXXX. I contacted XXXX XXXX XXXX by certified mail and they re-directed me to Bayview. I then called the phone number on the XXXX XXXX and called XXXX XXXX ( research analyst XXXX XXXX ). She informed me that the information provided by BLS is incorrect and that XXXX is the master servicer. She went on to tell me that XXXX XXXX is in fact the owner trustee of the loan ( s ). She further informed me that she reached out to BLS to tell them that they provided incorrect information to me and that they needed to resolve this. To date I have not received the name, and contact information of the true owner of my loans. B ) Next BLS is depicting my accounts as escrow balance accounts when these accounts are not escrow accounts. C ) BLS is reporting incorrectly to CRA 's by balance of accounts, and was reporting late payments incorrectly. I owe less than {$1000.00} on one account and less than {$1300.00} on the other ( XXXX, and XXXX ). They both will be paid off by XX/XX/XXXX and XX/XX/XXXX respectively. They are reporting that I owe over XXXX per unit to the CRA 's. D ) BLS is not sending me my invoices per month for XXXX to date, and may be planning on not sending me my invoice for XXXX next without explanation. E ) They still have not provided me with proof positive ( source documents ( check, or otherwise ) ) depicting the payoff of XXXX in XX/XX/XXXX as previously requested. I sent BLS the below email to all the key persons and to their attorneys. My understanding is that they must respond within 10 days. It was sent on XX/XX/XXXX. It is now XX/XX/XXXX, and this request was initially made back in XX/XX/XXXX when they gave incorrect information.
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 has violated my rights. 
XXXX & XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without written consent.
Product: Credit reporting or other personal consumer reports

I understand that FCRA 605B requires the removal of any false accounts from my credit report. Please check the documents ; several accounts have wrong reporting, amounts, and dates.
Product: Debt collection

NEVER RECEIVED ANY WRITTEN VERIFICATION OF DEBT. I HAVE REACHED OUT TO THE DEBT COLLECTOR SEVERAL TIMES AND STILL NO VERIFICATION.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I received a physical credit card from XXXX XXXX. I notice someone was using my social security to open a lot of credit card. I report it to the police and made a police report. The police report is current still pending for me to receive it. I did call the companys of the credit card to make sure to let them know it was not me. 
I notice I still have some inquiries in my credit report XXXX that are affecting my XXXX XXXX. 
THD/CBNA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX All these inquiries on my XXXX credit report I did not apply for. I have not applied for any credit since XXXX XXXX XXXX XX/XX/XXXX Thank you
Product: Checking or savings account

I have banked with Bank of America for over 20 years. 
I waited to receive my tax return from the government, which took 4 extra months. When I finally received my money on XX/XX/year> I deposited the check into my bank account via the ATM. 
I tried to check my online account on Tuesday, XX/XX/year>, only to find out that Bank of America had closed my account for fraudulent activity because I deposited my tax return check that the United States Treasury issued. I proceeded to contact the IRS asking if they had reported my check as fraudulent and they denied having anything to do with this. This was a malicious decision by BOA. They told me I would need to wait 24 to 48 hour to find out what was going to happen to my money in my account. When I called back 24 hours later I was told I would not receive any of my money until XX/XX/XXXX at the earliest. This is going to cause me to become homeless.
Product: Money transfer, virtual currency, or money service

Something that I purchased from XXXX on XX/XX/24 and paid for through PayPal was shipped to me and delivered but left in an unsecure location and someone took it sometime on or about XX/XX/24. I filed claims with both XXXX and PayPal, but PayPal denied my claim on XX/XX/24 under the buyer protection program. I was instructed by a PayPal representative to reopen a claim with XXXX on XX/XX/24 but that was not successful. XXXX suggested I reopen the case with PayPal, which I tried to do today but PayPal said I only had a 10-day window during which to reopen the claim. The problem is the communication from them did not indicate a Time limitation. I have an email with no mention of a 10-day time period.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT 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