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

I am writing to inform you that I am a victim of a recent data breach and request that the following accounts, which are associated with the breach, be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These provisions entitle me to have fraudulent or unauthorized accounts removed from my credit report.

Accounts for Blocking and Deletion : XXXX. XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX 
o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The List of accounts below has has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX, Account # XXXX, Account Name : XXXX XXXX, Account # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX, Account # XXXX, Account Name : XXXXXXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX, Account # XXXX, Account Name : XXXX XXXX XXXX, Account # XXXX, and Account Name : 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.

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 XXXX years. 

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

I paid my mortgage on XX/XX/20, it also auto drafted from XX/XX/20. So I was charged twice. I called my mortgage company to inform them of the error, they confirmed that two payments were made both my manual and the auto draft. The representative told me not to worry and that they will do further investigation and someone will contact me back. I did not receive a return call or any type of notice until I received my mortgage bill stating that I owed for both XXXX and XXXX. Instead of refunding the auto drafted payment in XXXX, they refunded them both, and failed to provide notice any action was taken. 
They reported to the credit bureaus that I missed the payment although I did not miss that payment. I called them again to inform them that I was not 30 days late and explained the situation to the representative. They saw the error in there system where I was charged twice and that they refunded both payments instead of one, and they agreed to wave the late fee. Once they waved the late fee, I paid the amount due in full. I was informed that I had to send an email to dispute the credit reporting which I sent an email on XX/XX/XXXX explaining the situation. I did not receive anything until XX/XX/XXXX, a generic letter stating that they are right and their decision to report stands. 

If they had only refunded one payment this would not have happened or if the would have informed me what was being done in regards to the payment, this could have been avoided. This is unfair, and a violation of the FCRA. This is an error on their end. I should not be punished, and my credit should not have to suffer for their mistake.
Product: Credit reporting or other personal consumer reports

My information has been exposed in serval data breaches i have not applied nor did i benefit from any of these inquires on my reports i ask that you remove these immediately Experian 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 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
Product: Debt collection

I received an email on XX/XX/2023 from XXXX XXXX telling me that I was one day past due on my bill. I logged into their website and paid my entire bill on XX/XX/2023. The website did not offer a receipt or any documentation that I could use to submit to my FSA. 

On XX/XX/2023 I received a letter from Frost-Arnett debt collections dated XX/XX/XXXX informing me that I owed {$370.00} and that I had been sent to collections. Please note that the letter was dated after I paid my debt and the XXXX XXXX website said I was current. 

I went back to the XXXX XXXX website which confirmed I was fully paid and had no debt. I then filled out a debt dispute form on Frost-Arnett which did not give me a receipt or any evidence that I had filed a complaint. 

I called XXXX XXXX to check on the charge. I spoke with XXXX XXXX at XXXX XXXX who told me that I had to deal directly with the debt collector. XXXX told me she would not allow me to speak with a supervisor. She also informed me that I had to deal with the debt collector. 

I then called XXXX who told me that I should call XXXX XXXX. 

I am in an endless loop now and don't know how to resolve this issue.
Product: Debt collection

I have an alert from XXXX about a new derogatory file. I do not know who these people are and i do not recognize this debt. These collection agencies are participating in extortion and need to be punished and stopped.
Product: Credit reporting or other personal consumer reports

I opened a XXXX XXXX card at or around XX/XX/XXXX. The account number was XXXX. The account remained in good standing up until the point that the account was fraudulently taken over in XXXX. I submitted a police report and a FTC report to support my dispute. XXXX did not accept my documents and choose not to honor the XXXX fraud liability on the account. The credit limit on the card was {$4500.00} During the time of my dispute of these fraudulent charges with XXXX the account declined. While I was informed that no payment for fraudulent charges were due, the account reported 30, 60, and 90 days late and accumulated interest. 

XXXX charged off the account while it was in dispute with the credit bureaus. I paid taxes on the fraudulent activities, because I was issued a 1099C. 

I was powerless against XXXX because despite submitting the police report and the FTC report the collection process continued and my documents were ignored. 
I eventually agreed to settle the debt for 40 % of the balance to protect my credit under the condition that XXXX agreed to remove the adverse reporting. 

However, I was deceived as XXXX never removed the account nor the late reporting. I have called several times since ; and I was told that " it is not in XXXX policy to remove items ''. I've argued my case before XXXX XXXX member services, XXXX credit reporting department and the XXXX Fraud and recovery department and its a big game of music chairs. I've been on the phone for days getting no where by transferred from department to department. 

There are no case numbers to show that XXXX even investigated my fraud dispute. I've asked for the statements for XXXX, payment history and the information used during the investigation and I was informed by the Recovery and Fraud team that there is no record of a fraud investigation and I would need to submit a formal request and a subpoena for the credit card statements during the time of fraud. 


Formal Request- XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Card Member Service XXXX
Product: Checking or savings account

I would like a full investigation into Capital One for holding my direct deposit from my employer. I should have had access to these funds and can not pay my bills. This violates the Electric Funds Transfer Act that requires timely access to these funds. I would like an explanation and to make sure my rights are being upheld
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX has violated my privacy rights according to 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.
Product: Mortgage

I signed a listing agreement with XXXX XXXX XXXX group on XX/XX/XXXX. FOR $ XXXX after a careful study of comparables on most recent sales in the area. XXXX XXXX XXXX XXXX XXXX  thru XXXX XXXX XXXX XXXX conditionally pre-approved me for short sale for 120 days sale.Almost immediately offers were presented one with all cash full price and two more of 20 % downpayment with approved loan ready to fund. The buyers waited a minimum of 4 months for the bank to make their decision. To my disappointment, none of these offers were accepted by the bank. I was asked to list the property for $ XXXX which none of the comparables match this price. In XX/XX/XXXX the servicing of my mortgage was transferred to Shellpoint Mortgage Servicing. The bank pre-approved me a conditional approval to short sale on XX/XX/XXXX. On XX/XX/XXXX an offer of $ XXXX was submitted to the bank.The latest appraisal is below $ XXXX. To this time, the bank continously and abusively delay their decision to accept an offer. Meantime, I have sent them several hardship letters and communications regarding financial and emotional difficulties that me and my family have been through. Then, the Corona Virus Pandemic lockdown occurred. I got laid off from my job at the school. I am financially struggling to pay my bills and maintain the property.
Product: Payday loan, title loan, or personal loan

I took out a personal loan with Ally Bank and paid it back in full on XX/XX/XXXX. That same day after I paid the loan in full they pulled my auto debit payment of {$300.00} even though the loan was paid in full. 
I called them on XX/XX/XXXXXXXX  to make them aware they pulled the payment when they shouldn't have and I asked them to simply reverse the ACH payment since we were within the 5 day window. They refused and told me to call back 10 days later to issue a refund. 

I called back on XX/XX/XXXXXXXX  they then told me they would issue me a refund on my overpayment and it would take 7-10 days to process. They promised that I would have the check no later than XX/XX/XXXX. 

I never recieved the check in the mail like they promised, so I called them on XX/XX/XXXXXXXX  and I spoke with a supervisor that told me they didn't issue the refund, but they couldn't explain why they never processed it. 

This is my money that they are holding without my permission and they will not return it to me. I don't know what else to do at this point.
Product: Credit card

I received the following offer by mail from NIH Federal Credit Union to open an XXXX XXXX credit card account : " {$150.00} Cash Back Bonus - Spend {$500.00} in Net Purchases ( purchases minus credits and returns ) within 90 days of account opening and earn XXXX Bonus Points that can be redeemed as a {$150.00} cash deposit to a checking or savings account or as a statement credit to your Card account. The account open date is listed as the effective date in your Cardmember Agreement. Bonus Points will be credited to your account 6 to 8 weeks after you reach the {$500.00} spend. '' I applied for the credit card online on XXXX XXXX, XXXX. Elan Financial Services issued the XXXX XXXX Card to me on XXXX XXXX, XXXX, as indicated on the Card Agreement. I spent over {$500.00} by XXXX XXXX, XXXX. According to their offer, I should have been awarded the Bonus Points by XXXX XXXX at the very latest. However, I have not been awarded the XXXX Bonus Points yet. 

I called the telephone number on the back of the credit card several times to inquire why the promised Bonus Points were not yet credited to my account. I spoke to at least XXXX representatives who confirmed that I met the terms of the offer and would be awarded the XXXX XXXX. However, I was told that the 6 to 8 week period does n't start until the XXXX spending period ends, contradicting the offer printed above that states that it starts " after you reach the {$500.00} spend ''. On XXXX XXXX, I was told I would receive the points in 10 days. Today, I spoke to a representative who told me that the previous representative was wrong ; it will take 14-17 days. Then a supervisor contradicted her employee by telling me that they have 10 to 12 weeks after after the 90 day period so they do n't have to award the points until XXXX XXXX, XXXX, again clearly contradicting the terms of their offer.
Product: Debt collection

This account is not mine. Its been removed from credit reports and reinsert back to the credit report
Product: Mortgage

I have a home I have been paying on since XXXX. I filed bankruptcy in XXXX and was told I would be reaffirming my mortgage ( XXXX mortgages with the same company ). I believe looking at my paperwork, it looks like they both had been reaffirmed. After the bankruptcy I continued to pay both of my mortgages. My primary mortgage has had no issues, however, several months after the discharge the mortgage company refused to take any more payments on my XXXX mortgage because it had been XXXX in the bankruptcy back in XXXX. I remember the mortgage company telling me at that time that it had been XXXX in the bankruptcy and they could no longer take my money. Since that point I have continued to make on time payments on my primary mortgage only. 

Throughout the years my mortgages have been picked up and serviced by numerous different companies, too many for me to remember. Both mortgages have ended up with PHH Mortgage and have been since, I believe XXXX. 

In the past 10 months I have received a letter from a law group on behalf of the mortgage company for an XXXX XXXX XXXX XXXX, which is almost {$21000.00}. Then after I replied to that letter, I received another letter of Rescission of Acceleration of XXXX XXXX from this law group. Since then I have received numerous letters of Default which I responded to and most recently, in XXXX, received a 10 day pre-foreclosure letter along with another letter of default. 

I want to find someone that will help me fight to save my home that I have paid on for all of these years. I understand this was my debt, however when they refused to take my payment well over a decade ago I didnt know what to do and did nothing. Now they are coming after me and my home that I have paid down after 14 years with no contact or issues from them until now. I know that I have rights to protect against this kind of behavior on this zombie loan that this is a time-barred debt beyond the state of Arkansas 's statute of limitations. 

Can you please help/consult me and help me understand what my rights are and what I need to do at this point after XXXX  years? Something seems to have been screwed up all those years ago and now people are trying to cover their butts and come after me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware of a situation last Friday ( XX/XX/2019 ) that has adversely impacted my credit and that was essentially a technical glitch resulting in delayed payments. Specifically, I made a change to my auto-payments ( increasing the draw amount ) in XXXX and did not realize that there would not be an automatic payment made to my account as a result in XXXX. My auto-payments resumed in XXXX but I was under the assumption that they were being paid on time each month when actually Ive been running a month behind since I made the change, unbeknownst to me. I was shocked to learn when finally alerted 6 months later that my account was in default, despite regular monthly payments being made, and was told that my credit has been significantly and negatively impacted. Ive been informed that my only recourse is to request that the lender, Mr. Cooper, update or correct this reporting to all appropriate credit bureaus. I did so via email as advised and was told that I could expect a reply within 24-48 hours. Nearly a week later, I've had no reply and no resolution. 

I went back and checked my account notifications and website messages and there was absolutely nothing indicating a problem until XX/XX/2019. Each month I received notifications that my payment had been received. Mr. Cooper said that they had tried calling a phone number but that phone number was not a correct phone number. They didn't try the secondary number that had on file ... which was the correct phone number ... until 6 months after the fact. 

My credit has always been good and I'm very distressed to have this issue, particularly since I've received no acknowledgement or help at all from the lender to rectify it.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Equifax are all in gross violation of my rights as a federally protected consumer pursuant The Privacy Act of 1974 and FCRA. 
They continually report transactional history which is prohibited by 15 USC 1681a.

There are also several inaccuracies across all 3 bureaus which is in violation of 15 USC 1681. They have also failed to notify me of my opt out rights and are in violation of 15 USC 6802-6805 and 16 CFR 313.7.

They are violating my privacy by making public my personal information via affiliates, non-affiliates and third party vendors plus allowing promotional inquiries. They are in violation of 16 CFR 433.1, 433.2, 433.3 " Charge offs '' are considered " certificates of indebtedness '' by the IRS and " certificates of indebtedness '' are considered income pursuant to IRS publication 4681. Therefore, XXXX, Equifax, and XXXX are reporting my income which is not permitted. 

XXXX ( commission file # XXXX ) Equifax ( commission file # XXXX ) and XXXX ( commission file # XXXX ) each stated within their own filings with the SEC that they would uphold the laws of The Privacy Act of 1974 and FCRA ( in addition to many other consumer protection laws ) and they are not doing so.
Product: Debt collection

Gulf coast collection bureau contacted me via text back in XXXX  about a debt owed to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I originally gave them the insurance information & they said they would rebill the insurance, my insurance has no history of any bill that has been declined. They contacted me again a couple days ago, we are now in XXXX  trying to collect a debt, I asked them for any information they can provide me for the XXXX that is claiming the debt, they gave me a fake doctor name & no phone number who is not in the records of the hospital I gave birth in, & another name of a pediatrician who according to their own records my child has never been seen by her. I contacted them again & they provided me with the updated name of XXXX XXXX XXXX XXXX who now goes by XXXX physician services, they have absolutely no record of unpaid bill & they don't even recognize gulf coast collection bureau inc as someone they work with to collect their debts. I have called this debt collector multiple times trying to get more information or to verify if this debt is real but they have not provided me with any solid proof & have contacted me multiple times with this mystery debt. They are scammers!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I would like to see my original contract, pay off disclosure, interest rate disclosure, balance history, payment history, and credit insurance for all of the inquiries below.. Ive sent out priority letters out to all of the credit Bureaus, stating inaccurate information on my credit report, and informed them to send me back proof of the accounts ownership and accuracy of them and I have not received anything back yet, If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall -- -- promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate based on results or the reinvestigation ; I also asked for them to send me the correct info back via mail and they didnt. This has ruined my credit for years now of inaccuracies and im ready for it to be properly handled, the accounts are XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1682, section 602 states I have the right to privacy.

15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instruction or permission.

15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Bank account or service

Zions Bank of Utah seized the money from my savings account for inactivity with no notice until after they took my money on XX/XX/XXXX. They say I 'll get it back, but still do n't have access to my money, XX/XX/XXXX statement said account was XXXX.
Product: Credit reporting

Transunion will no longer allow me to file online disputes or see my credit report online. They say investigations must be done manually. They are punishing me because they have made so many mistakes. They continue to release my credit report to fraudulent individuals. Here are the illegal inquiries as follows : XXXX delaware XXXX, XXXX XXXX, & XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/, I received on the mail a letter from BANK OF AMERICA on which was attached a credit card. I never applied for this credit card. The name of the card is the Unlimited Cash Rewards and the total credit line on this card is for the amount of {$8000.00}. I never gave consent for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 a hard inquiry was posted on my credit report for XXXX XXXX XXXX XXXX XXXX. This is not a request that I initiated.
Product: Debt collection

The unknown company is charging recurrent fees for late payment when the account has been closed and do not understand where all these late payments are being made up from. This has generated an exaggerated amount with a negative impact reflecting within my credit profile. I do not know who the debt collecting agency is because in my credit profile all I see is the financial company that I paid the money to which is called Lobel Finance. I believe that Lobel Finance is selling old accounts to some secret collection agency company in order to negatively affect the former clients ' credit reputation. Something must be done to stop these organizations from selling the clients ' personal information for financial gains and charging fees that are irrelevant to that owed when an account has been closed for more than 2 years.