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

On  XX/XX/XXXX   XXXX   XXXX   XXXX   gave U S Bank Mortgage the responsibility of servicing my loan. The   XXXX   XXXX   courts was n't notified. My rights under the wage earner law has been violated. I had   XXXX   XXXX   XXXX   under   XXXX   XXXX   from  XXXX - XXXX . I was discharged in  XXXX . I paid   XXXX   XXXX   XXXX   outside Of The courts. My case number is  XXXX . I paid   XXXX   XXXX   XXXX    through their bankruptcy department. I was current with   XXXX   XXXX   XXXX   in   XXXX   when my loan was transferred to US Bank Mortgage. I do n't know why   XXXX   XXXX   XXXX   did not report to   XXXX   XXXX   court they were  transferring my loan. All of my other creditors was paid by my former employer   XXXX   XXXX    & my payments were payroll deducted. My employer ein # is  XXXX . {$140.00} was being deducted every week from my payroll check every week. In   XXXX   when I received the settlement from the medical malpractice law sue I filed in  XXXX . I paid the courts {$18000.00} on  XX/XX/XXXX  to pay all of my creditors off. The loan I had with the   XXXX   XXXX   was refinanced on  XX/XX/XXXX  while I was in   XXXX   and under   XXXX   XXXX  . I paid off the money store and   XXXX   XXXX   was paid off. The new loan refinanced was with   XXXX   XXXX  . Their loan number is  XXXX . Payments was being made to   XXXX   XXXX   XXXX  .  XXXX  XXXX  interest statements was reported to IRS using my social security number. These fraudulent acts was being done while I was suppose to be protected.
Product: Credit reporting or other personal consumer reports

Merchant Acceptance Cor reported a charge off/ collection on my consumer report without my written consent nor did they provide full disclosure prior to reporting the charge off/ collection.
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 act 15 usc 1681. 
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 XXXXXXXX has violated my rights.

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

15 U.S.C 1681 section 604 A 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 infor
mation any other adverse item of information, other than records of conviction 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 reporting agency if the person known or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, Equifax publicly made it known that over 145 million consumers had their personal information hacked from their databases. Equifax has illegally hoarded my personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act, Equifaxs mishandling of confidential and personal information which allowed their systems to be hacked, violated all privacy rights. According to the Fair Debt Collection Practices Act, I believe all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others.
Product: Debt collection

Hello, I just received a phone call on XX/XX/2019 around XXXX from Portfolio Recovery ( XXXX ) keeps calling my work ( XXXX or XXXX ), they keep calling me and pressuring me for private information
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to get the information corrected. I was on income driven repayment and forbearance with my loans but they are still reporting delinquent.
Product: Mortgage

I am dealing with Identity Theft incident ( XXXX ) which started from XX/XX/2022 ( see complaint # XXXX ). While this previous incident is being dealt with through the bank thanks to the CFPB reports filed, I have now found ( XX/XX/2022 ) an unauthorized mortgage loan inquiry that was made under my name from New American Funding ( Reference number : XXXX  XXXX  # XXXX ) according to the credit monitoring update from XXXX XXXX. Between the beginning of the original incident XX/XX/2022 to this reporting time, I have placed fraud alerts and froze my credit on all XXXX credit bureau companies, and XXXX, and doing everything I can from my side to protect my personal information for any further damage. I have called the New American Funding company 's number XXXX XXXX has referenced ( XXXX ) at XXXX today, explained the situation, and the representative took down my information : name, phone number, State I reside in, and I provided the above reference ID # XXXX. They informed me that since it is holiday weekend, the appropriate representative will call me back probably on Monday. I did not get a confirmation email ( as I was already skeptical of giving them more information than needed and did NOT provide my email ) or a call back yet ( XXXX reporting time now ). XXXX XXXX shows some information that was " put in '' the application. Zip Code : XXXX ( XXXX, VA which is suspicious as the location is XXXX of my past address more than XXXX  years ago indicating they are using my social security number and information attached to it ) Loan Type : Purchase, Purchase Price : {$280000.00}, Down Payment : {$56000.00}, and " Where in the process are you? " : Not sure yet. Upon more internet search it seems that XXXX might possibly be another scammer. I have found customer service phone number from New American Funding 's main website which is different from what XXXX XXXX suggests ( XXXX XXXX ). I have also left a message on this line to get verification from them and will wait for their call back on Monday as requested.
Product: Checking or savings account

I am writing to file an complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transaction 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. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing you to inform you that lexis nexis, any other credit agency reporting reporting a bankruptcy on my client 's credit report and they have put in the data furnished as being the us bankruptcy Court of Virginia which is false I have attached a letter from the u.s bankruptcy court of Virginia verifying and stating that they do not furnish information over to the credit bureaus or any um credit monitoring service nor do they verify or validate any information concerning bankruptcies lexis nexis is falsely stating this information on credit report. I also did not give them any information or permission. In accordance with the fair credit reporting act Account # has violated my rights 15 U.S.C. 1681 section 602 A states I have a right to privacy. 15 U.S.C. 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit card or prepaid card

I am disputing the follow charge made to my Citi Bank Mastercard : Transaction Details Transaction Date : XX/XX/XXXX Transaction Amount : {$390.00} Merchant/Description : XXXX  XXXX XXXX XXXX Dispute Details Dispute Date : XX/XX/XXXX Dispute Amount : {$390.00} Dispute ID : XXXX Citi has not resolved this dispute. I opened the dispute directly through the Citi Bank Mastercard website. I also followed up with the Citi Dispute Resolution team directly on multiple occasions ( via phone call, email and live web chat ), below are a list of attached documents regarding my follow up with Citi : ATTACHMENT 1 Email to Citi with signed dispute form ATTACHMENT 2 Email to Citi following up on my dispute. Initial email sent XX/XX/XXXX, with follow ups sent on XX/XX/XXXX and XX/XX/XXXX. 
o This email also addressed the 2nd dispute for the 2nd {$190.00} charge which was later credited back I also contacted Citi by phone and via Live Chat on their website multiple times regarding this dispute. I was told through the live chat that the reason Citi did not refund me was that the merchant was to credit me directly, which never happened. I have brought this to Citis attention, but they still will not credit the charge. 

I did not agree to this transaction. The merchant is listed as XXXX XXXX, however the charges seemed to have actually been made by XXXX. I never received an invoice or transaction confirmation regarding this charge, it simply appeared on my credit card statement. At this same time, I did receive both a valid charge from XXXX XXXX for {$190.00}, and another invalid charge from XXXX XXXX for {$190.00} on XX/XX/XXXX. After opening disputes for both the {$390.00} charge and the 2nd {$190.00}, the {$190.00} was permanently credited back to my card, but the {$390.00} was note. 

I contacted hotel XXXX directly, who confirmed that they would cancel the reservations associated with the {$390.00}, and the 2nd {$190.00}, but that I would have to go through XXXX to actually receive the refund. Refer to ATTACHMENT A email correspondence between myself and XXXX XXXX of XXXX XXXX. I was contacted directly by XXXX XXXX regarding these charges, and I stated to them that the three charges were in error, and that only one charge was valid. XXXX XXXX was then unresponsive in the matter. Refer to ATTACHMENT B email correspondence between myself and XXXX XXXX at XXXX XXXX. 

I contacted XXXX Customer Service by phone two separate times during the week of XX/XX/XXXX to XX/XX/XXXX. Both times I was told by the customer service representative that my issue could only be handled by a supervisor. Both times I was told the supervisor was not available, but would be in contact with me within 48 hours. I was never contacted by any supervisor, and no one on the phone would address my issue. 

I believe Citi is being deficient in their obligation to protect me against fraudulent and unauthorized charges.
Product: Vehicle loan or lease

I filed for bankruptcy in XX/XX/2022 and the bankruptcy was discharged on XX/XX/2022 ; signed by a Judge. I had 2 vehicles that was included in this bankruptcy that cleared both debts with the vehicles. 

Both of my vehicles were pick up as Repossessed and Ally Financial has sent me a letter stating that I owe the Deficiencies. 
This is unacceptable and is in violation of the GA law on Bankruptcy.
Product: Credit card

My card was blocked because Bank of America mistakenly put it on the fraud watch list, as confirmed by their fraud servicing department, there is no problem with this account and it was misplaced under fraud watch. In this case, a simple call to them and provide my personal information would be sufficient to get the account unlocked. 

However, their agents had been telling me to visit a branch which is more than XXXX miles away from my home since the account was locked in XXXX. 

Similarly, after I filed a complaint against the bank with CFPB, their resolutions agent XXXX XXXX who authored the attached final resolution letter directed me to email my sensitive personal information including scanned pages of government IDs to an unmonitored email address XXXX. 

After sending the information to this email address, it turned out to be an unmonitored email inbox. 

This caused great security risk to my personal information and violates my rights. 

I have also called their customer service line many times but no one knows about this email address nor do they know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/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-Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/XXXX I was not notified by a friend to log in at Equifax to find out if I was XXXX of the people whose information was hacked at Equifax. After logging in last night at Equifax and learning my information was compromised I spent the whole day on the phone and online trying to get information and get a credit freeze. First I tried the phone- hours and no getting through. Online at Equifax there was a continuous loop of going nowhere. The online questions about my past phone numbers that I could not remember blocked me out from freezing it online at XXXX. I was only able to freeze my credit with XXXX XXXX. XXXX response if non-existent. I have spent the entire day so far trying to freeze my credit. Why is this all on the consumer? The stress of having all my information hacked with no help is infuriating!!!!!
Product: Debt collection

I have requested in writing via certified letter the following : XXXX CERTIFIED MAIL WITH RETUR RECEIPT To whom it might concern, Commonwealth Financial Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX Alleged account / balance : {$1200.00} Alleged original creditor : XXXX XXXX XXXX XXXX XXXX Alleged Account # XXXX Dear collection agent, as allowed under the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from {$1200.00}, but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I'm allowed under the Health Insurance Probability and Accountability Act ( HIPAA ) to protect my privacy and medical record from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX XXXX, for them to release my medical information to a third-party I am aware that HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold-validation of debt and HIPAA authorization XXXX Please provide breakdown of fees including any collection cost in medical charges. Please provide a copy of my signature with the provider of service to release my medical information to you.. I am also requesting that you cease and desist all collection activities including reporting to all consumer reporting agencies/ credit bureaus. I also promptly request deletion of any and all prior reporting that was made to all consumer reporting agencies/ credit bureaus. If you comply with my deletion request within 14 days, verification is excused. I Also promptly send me a verification letter confirming the request to all consumer reporting agencies / credit bureaus deletion of your reporting of this alleged debt. 
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA-compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with the alleged debt. 
Please be aware, if you choose NOT to comply with my demand letter, I XXXX turn this over to my local States Attorney General XXXX and a local attorney. I have also Directly Faxed this letter to the XXXX XXXX XXXX XXXX @ XXXX. 




I received a letter with the allegedly {$1200.00} but not the breakdown of the allegedly amount. I also asked for the deletion of this debt from all the reporting agencies and until today it still appears in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX  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: Credit reporting or other personal consumer reports

Hard inquiry that I do not agree that was made by me. This hard inquiry was on XX/XX/year> I have no idea how this happened Ive never applied for credit with this company. Wells Fargo Card Serv ( Bank ) I do not own an account nor applied for an account with this company. This is a theft of identity.
Product: Bank account or service

XX/XX/XXXX I opened up a joint TD Bank account ( with my mother ) for use while I was studying abroad. XX/XX/XXXX I took out the balance from the bank account, walked into TD Bank and asked to close my account. The teller led my mother and I to a banker who reviewed the account information, and said that we do not have to do anything else but 'cut up our debit cards and discard them '. Since there was a XXXX balance on the account, he will close it. After that date, I would receive statements from TD Bank. After contacting them several times, I was told that they are unaware of why I am receiving statements since there was a XXXX balance and I closed my account. I walked into the TD Bank on XXXX XXXX and XXXX XXXX in XXXX and asked to speak to a Banker to handle this issue. The Banker could not find my account information and said that it was closed. At which point I asked to speak to a supervisor. The supervisor was not present and I was told he will reach out to me after I provided my information. I stopped receiving statements and assumed that the issue was handled. At the time I was in college and was aware that I should documented this situation with more rigor. 

Today my husband and I decided to apply for a mortgage and after checking my credit history, I was told that my score is XXXX because I have {$41.00} outstanding as part of collections on that account. The {$41.00} is related to overdraft fees because I had no money in the account ( when the bank account required a balance at all times ). I have never received notice of collections related to this account. Furthermore, I have done everything in my power to close the through TD Bank and was misinformed throughout the entire process. This has now wrongfully affected my credit score and I was mistreated as a consumer. I am a working individual with XXXX debt, but I refuse to pay the {$41.00} as it was wrongfully incurred and should be removed completely from my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am resubmitting this dispute. I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I am verifying that this is me who is disputing these items. I need this removed asap
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone fraudulently unlocked my security freeze at Experian on XX/XX/XXXX and Experian can not provide any explanation of how this happened. I was able to re-freeze my account on XX/XX/XXXX but I have no way of knowing if this will happen again. While my account was unfrozen several fraudulent credit applications were submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on several different occasion to include more that 60 days attempted to have the three items in collections removed from my XXXX and XXXX credit files. I have also contacted the companies that entered the collections. I have asked for original signatures on any loans. I have asked for original HIPPA forms with original signature on any medical collection. I have also submitted credit file disputes with the reporting agency. Please remove this unauthorized negative information ASAP.
Product: Checking or savings account

My account is suspended again after I made a complaint about the same issue previously and the bank send me a message asking me to go to the branch to get my new debit card a got there at there XXXX branch with my green card passport state issued id and ssn card I meet with a banker her name is nour she refused to print me my card and made phone call and my account was XXXX again i tried to ask her to at least get my money thats in the account she refused I want ether my money or I get access to my funds
Product: Credit reporting, credit repair services, or other personal consumer reports

My mailing address is not being reported accurately on my consumer report with Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

Having issues with unauthorized inquires on my Experian credit profile am subscribed to Experian monitoring services. it is noted across all three credit bureaus that i was a victim of my data being stolen from XXXX data breach. Experian remove all hard inquires that's not connected to any open account 's on my Experian profile. 

XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  XXXXXXXX XXXX i was recently denied a line of credit because of these unauthorized hard inquires. also my phone number that's on file with Experian is being flag by lenders for some reason. also please fix this error asap
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the same dispute I have with XXXX. I got a bill from XXXX XXXX with a balance due and payoff good through date. I paid the bill before the payoff date, I received a paid in full letter from XXXX XXXX, then the next month they billed me again. XXXX XXXX paid this in full.
Product: Credit reporting or other personal consumer reports

TransUnion, I was a victim of identity theft and there's 2 unauthorized hard credit inquiries that are not mine and fraudulent XXXX XXXX XXXX XXXX XXXX XXXX Please have these removed immediately as they are damaging my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report. By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file : XXXX XXXX Balance Owed : {$11000.00} XXXX  / XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}