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

XXXX is obligated by the FCRA to report accurate accounting, Consumer has advised that ALL inquiries reported was fraud. Said company has 4 days according to the Law to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is NOT asking for an e-oscar report, if XXXX does not have documentation to show these were in fact authorized, it must be removed as soon as possible. SAID company is liable under the SEC to follow certain rules. XXXX XXXX XXXX number XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX on XX/XX/XXXX I wiill be filing form XXXX Treasury omb firms to audit consumer account. XXXX us securitizing consumers data yett refuse to provide consumer with a copy of their CONSUMER file but instead provide a Consumer Report/ Credit Report.
Product: Credit card or prepaid card

The card with my name on it that i should got it in 10 days so i call and cancel on XXXX i explain to having with my mail and i am in the hosptial  please mail the newcard my new address at XXXX XXXX XXXXXXXX XXXX XXXXXXXX IL XXXX XXXX they email me it ship XXXX and activated on XXXX between this i was XXXX XXXX XXXX was DichargeXXXX never received no card they told they had the address but they to where i ask them not to seen to that iam in hospital.i want my {$2400.00} back
Product: Mortgage

I got a hard inquire from Universal credit svcs on XX/XX/2020 that I have no relation or authorized and reporting on XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report last week on XX/XX/19 when I noticed a hard decline in my score. I noticed that a collections agency was on my credit report and I have no knowledge of the debt. I reached out to the Hospital that was listed under the credit agency and they advised me that they have no balances associated with me and they never sent anything to collections with my name. I have tried calling the collections agency and have yet been able to reach anyone there. This is a fraudulent debt and I need this to be removed from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

My information with equifax has been breached. The proof is attached. They refuse to remove the accounts so please remove from my credit report immediately as I was a victim of this data breach. 

XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Along with the 30 hard inquires that are being reported.
Product: Credit card or prepaid card

After receiving a new credit card with a new credit card number due to a fraudulent charge, I noticed that certain companies were able to charge my monthly subscriptions to my new credit card number without me having given them my new card information. I called both XXXX XXXX and Visa to understand why they were giving out my new credit card information to companies without my consent and they said that it was due to the VISA account updater service. I explicitly asked to opt out of this service and both companies denied my request. My credit card information is being given away to companies without my consent and although I asked both XXXX XXXX and VISA to stop this, they refuse to stop. What do I do?
Product: Mortgage

I applied for a loan, when I asked for my appraisal letter I was informed that it was not ordered therefore no letter, I was not happy with the handling of the procedure and told the company I will go elsewhere since they have taken my money but haven't rendered services I paid for, was told on XX/XX/2021 that they will cancel my application and refund my money in a few days. I have not gotten any payment back or received confirmation that they were refunding my money.
Product: Prepaid card

Hello, my account balance was {$5500.00} around there when I first started this account. However, when I call the bank, they say I have a balance of {$3500.00}. I checked the online banking, and my password was changed 20 times without my knowledge. There were 3 checks written out of my account for {$2500.00}. I dont want to keep my money in this account any longer. This is a disgrace. When I call the call center, these people can not help me. Can you please take back the money that the checks written out for XXXX and issue a full check for my entire balance that was originally on my account. Those check withdrawals were not me, and they were not authorized by me, the consumer.
Product: Student loan

I have been paying the minimum payment but choosing to have the payment disbursed specifically to the accounts that I want which is the choice given to me by the Edfinancial website. Even though I have made the minimum payments they are still showing accounts being behind because I have chosen not to have the payment spread out to all of the loans. Then threatening to hit my credit if I dont make payments across all of the loans. Sounds like XX/XX/XXXX. I am making the minimum payment and doing it in a way that is offered to me. If you dont want people to have a choice then dont offer one.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX To Whom It May Concern, Subject : Formal Complaint - Improper Foreclosure & Mishandling of Grant Funds I am filing a formal complaint concerning an unlawful foreclosure and eviction attempt involving my residence at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 

I originally financed this home with an FHA-backed loan through XXXXXXXX XXXX. That loan was later transferred to XXXX XXXX XXXX. Since then, the servicing rights have been repeatedly transferred or sold to multiple entities including XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX ), and most recently, Lakeview Loan Servicing , LLC. 

These changes have caused severe confusion and uncertainty about ownership, legal authority, and servicing responsibilities. 

In XXXX, while I was under an active forbearance agreement with the mortgage servicer, I was awarded a {$47000.00} grant by the State of Texas through the Texas Homeowner Assistance Fund ( TSahC ), which was applied directly to the loan balance. 
Despite this assistance, and while still in forbearance, action was initiated to remove me from my home without any foreclosure judgment, notice of default, or judicial review. I received a letter offering {$3000.00} to vacate within 30 days, which I believe was a deliberate attempt to bypass proper foreclosure and eviction procedures. 

Furthermore, I am being falsely treated as a tenant in a pending eviction suit in the Justice Court, Precinct One of XXXX XXXX. cause number XXXX I have never signed, agreed to, nor participated in any lease agreement - verbal, written, or implied. I request that the involved parties be required to provide a lease if they are claiming one exists. 

This matter raises serious legal concerns including : - The mishandling of federal and state homeowner assistance funds ; - Deceptive business practices and abuse of the judicial eviction process ; - Wrongful foreclosure and improper servicing conduct ; - Potential violations of Texas and federal mortgage servicing laws. 

I request that your office conduct a full investigation into the conduct of all parties involved in the mortgage transfers, servicing practices, eviction filings, and the use of government relief funds. I am available to provide documentation and further detail. 

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

I recently reviewed my credit report and noticed there are fraudulent accounts on my credit report that are not mines. 

I made a police report and contact XXXX XXXX several times. They never solved these problems The thief opened several accounts on my name. Now i have late payments, I have charged off accounts, collections and hard inquiries that i don't even know. 

That hurts my credit and prevent me from obtaining credits. 

Now I ' m asking you to investigate and remove all fraudulent accounts from my credit. I'm attaching a copy of the police report and screenshots of all inaccuracy from my credit report,
Product: Mortgage

The home is part of an Estate the homeowner passed away.The family did go to Surrogate Court. 

We have submitted the documents to Ocwen Loan Servicing they refuse to talk to us or help us. 

We want to save the homes.This home has a sale date for XX/XX/2018 and we have no idea when it started no was served any of the documents or notices concerning a foreclosure sale. 

Ocwen refuse to speak to us in spite of the fact that we have sent proof to Ocwen from the Surrogate 's Court.

Please help us.
Product: Credit card

In XX/XX/year>, I paid off the full balance of my Bank of America credit card. Shortly after, an automatic payment withdrew an additional {$88.00} from my checking account, leaving a credit balance on my card. 

I later noticed a charge of {$50.00} labeled " Interest Charged on Purchases '' dated XX/XX/year>, despite having paid off the balance in full. I contacted Bank of America customer service immediately. The representative submitted a request to waive the interest charge, and I escalated to a supervisor when it was denied. 

I have been a loyal Bank of America customer for over 20 years and responsibly paid my balance. Despite multiple attempts to resolve the issue, including waiting two business days for an escalation review, Bank of America refused to waive the charge.

I believe I have been treated unfairly, as I was charged residual interest without proper notification and after paying off the account in full.

I am requesting that Bank of America waive the {$50.00} interest charge and fully refund the credit balance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, DE XXXX Subject : Request for Method of Verification and Continued Dispute of Charge-Off Account # [ XXXX XXXX ] To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # [ XXXX. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to veri
fy the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I recieved an correspondance that was submitted to the consumer Financial credit beuerer CFPB # XXXX XXXX XXXX submitted a fradulent letter stating that they conducted an ivestigation how ever in their correspondence the aknowledged that thhey could not verify the information without verberly speaking to me they did not verify because the bankruptcy that is on my credit report is unverifiable they have a fedarl obligation under the statue to delete this information permentky XXXX XXXX knownkly and intentionally sold un verifiable information to XXXX XXXX and transunion more speciffically under 15 USC 1681 a states Accuarcy and fairnes of credit reporting. The congress makes the folowing findings : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for consumer 's right to privacy. Also under 15 U.S.C 1681 b the law is very clear that XXXX XXXX is violationg m consumer rights and violating the fair credit reporting act as follows In response to the order of a court having jurisdiction to issue such a federal grand jury. In accordance with the written instructions of the consumer to whom it relates. At no time have ive given consent to XXXXXXXX XXXX XXXX to sell my private information more specifically it is not verified by there own emmission.
Product: Credit card or prepaid card

Back in XXXX of XXXX, I was a victim of identity theft where thieves stole from my personal banking account well over {$2500.00}. As a result, I had to file a police report and open a criminal fraud investigation with my banking institution which didn't resolve the case until XXXX of XXXX. As a result, I fell behind on my payments to my creditors since I didn't have access to the funds needed to pay them being a victim of theft. I reached out to JP Morgan Chase notifying them and they put me on a payment plan which I am on now. I also sent them a certified letter explaining the situation and asking for an update on the negative credit reporting for the delinquent periods taking into consideration that prior to being a victim of identity theft I had always had on-time payments. On XX/XX/XXXX, a rep named XXXX from Chase 's Credit Bureau team told me that although I was a victim of identity theft there is nothing they can do to update the credit reporting. I kept explaining why I was needing it updated based on the circumstance of having been a victim and she told me there was nothing they can do for me. As a customer, I am shocked and hurt that being a victim of this situation there is nothing Chase can do as a long-time customer. This is causing undue stress for me and my family
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Discover reporting incorrect amount owed by XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax COMPLIANCE DEPT RE : NOTICE XXXX Gramm Leach Bliley Act NON-COMPLIANCE REPORTING THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to Equifax that the listed institutions ATTACHED have not conformed and are currently reporting in non-compliance with the following Gramm Leach Bliley Act statutes 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 XXXXXXXX - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. 6803 - Disclosure of institution privacy policy ( a ) ( b ) For the record, I, XXXX XXXX HAVE NEVER received an INITIAL OR ANNUAL PRIVACY POLICY NOTICE from any of the ATTACHED reporting institutions as required by the GLBA statute ( s ) above, nor have I been given a chance to opt-out from my personal information from being shared w/ 3rd parties. Why does Equifax allow these non-compliant institutions to report on my credit profile and put my privacy at risk? Until compliance with Sec. 6802-6803 of the GLBA can be substantiated, I DEMAND that Equifax PERMANENTLY DELETE the following non-compliant ATTACHED account ( s ) within 3 days and forward to me a FULL updated credit report with these deletions to the address above By publishing these non-compliant account ( s ) on my credit profile and distributing them to 3rd parties you are INTENTIONALLY DAMAGING my reputation and credit worthiness. For the record, I will also file this complaint with my state Attorney Generals office and the Consumer Financial Protection Bureau ( CFPB ). Equifax is in violation of the GLBA GLBA non-compliance penalties can be quite serious for financial institutions. They include both monetary fines as well as imprisonment. The GLBA non-compliance penalties include : A fine of up to {$100000.00} for each violation A fine of up to {$10000.00} for officers and directors of the financial institution In case of a serious violation, individuals may be imprisoned for up to 5 years Revocation of licenses
Product: Student loan

My Federal Loans are serviced by Aidvantage. I applied for the XXXX plan for the first time in late XX/XX/2023, and never received a response about a new payment amount. In fact, I have never received an explanation as to why my current payment ( which is now {$400.00} higher than before COVID ) is the amount that it is. I applied for the XXXX plan a second time in XXXX, with the same result. I recently applied for the XXXX plan a third time a few days ago and I'm waiting for a response. I was forced to pay {$1100.00} towards my student loan today, with no reasoning or calculation. I paid this amount only to avoid delinquency and cause further delay to my XXXX application ( s ). Our family is now experiencing financial hardship because of this incompetence, and lack of preparedness by Aidvantage. It is clear they are overwhelmed with applications, lack appropriate staff, and have no means to provide online answers to Borrowers. I am extremely frustrated and praying this is fixed before the next payment is due.
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. 
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 Account name : has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

These companies are reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such accounts and also other documents so I may review to see if this is actually an account that belongs to me.
Product: Debt collection

I disputed this debt a couple of times on the grounds that I did not owe the debt to no eval. I began working with XXXX to resolve some discrepancy on my credit report. With the assistance of my case worker we requested validation of debt from Monterey Collections and disputed the debt. On XX/XX/XXXX received the attached letter stating in pursuance to the debt validation requirements set forth in the FDCPA was enclosed required proof of debt. The only thing enclosed was a original contract with XXXX XXXX XXXX minus the paper work regarding the loss of income insurance my chef had required me sign up for before he would ok the loan at origination. I called Monterey and requested any other information the company had showing that i still owed this debt and if so what i still owed on it. I also requested a full copy of the original contract. On XX/XX/XXXX I received the attached marked XX/XX/XXXX and an exact copy of the contract with the original loaner.
Product: Credit card or prepaid card

I had applied for 2 credit cards in XX/XX/2017 with Chase. I had two existing credit cards with Chase already. They notified me that they were going to close all of my credit card accounts. I was taken aback immensely because I am an existing Chase Checking Account customer with a {$110000.00} income at XXXX years old working for a large corporation. As a young adult, I was surprised, as I have never had a late payment. I never conducted any sketchy business activities. In fact, I use credit extremely responsibly and I simply wanted the credit cards for the benefits they provided at hotels, airlines, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX