23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company XXXX XXXX has been calling friends and family even people not associated or related to me. XXXX of the girls spoke to my son about a debt I supposedly owe, telling him information about this so called debt, and that I will be taken to court, they can and will attach my XXXX payments and all means necessary to collect this. She said " we have her social security number and everything, we want this paid. We can offer a settlement and he explained that I am on XXXX and she said that does n't matter, they can and will attach payment from that. She even went so far as to ask him if he would make the settlement payment for me. I have just been released from the hospital two days ago after suffering a XXXX XXXX on Sunday XXXX XXXX, 2014. I am sure they are not permitted to disclose any information except to me, but they went into great detail with my son. He was at work at the time. They also contacted my ex-husbands wife on her cell phone while she was at work. I am hoping that you can stop this harassment before it gets more out of control, and the fact that they disclosed information to someone other than me, meaning my son is unacceptable. Thank you.
Product: Debt collection

Over a year i had ask for a validation report from the company never received any. I send another letter date XXXX of XX/XX/year> and yet again no response
Product: Checking or savings account

- XXXX of XXXX : I received an email saying that Discover Bank decided to freeze my account and close it for a business decision. I made many calls that day trying to figure out why they did it and couldn't get an answer from their agents or supervisors regarding reason of closure. 
- XXXX of XXXX : I made a complaint with CFPB. 
- XXXX of XXXX : Discover Bank replied to my complaint saying the same thing, and that they will send me my funds as a check after 60 days. 
- XXXX of XXXX : I called Discover Bank to ask about my check, the agent literally told me the account is not closed yet and that it is still pending closure. 
- XXXX of XXXX : I posted this issue on a public forum and people advised me to take it to the FDIC and contact CFPB which I'm doing right now.
Product: Credit reporting or other personal consumer reports

Dispute of Unauthorized Hard Inquiries on My Credit Report Dear Sir/Madam, I am writing to formally dispute and request the removal of unauthorized hard inquiries listed on my credit report. After carefully reviewing my credit report from XXXX, Equifax and XXXX dated XX/XX/2023 I discovered several hard inquiries that I did not authorize or initiate. These inquiries are negatively affecting my credit score and financial well-being. 


Unauthorized Hard Inquiries : Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX  Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX  Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account Number : No Account Number Associated I would like to emphasize that I have not applied for credit with the creditors or given consent for them to access my credit report. These unauthorized inquiries are not only damaging my credit score but also affecting my ability to obtain credit at favorable terms, such as loans and credit cards. 

I kindly request that [ XXXX, Equifax, XXXX ] conduct a thorough investigation into these unauthorized hard inquiries. Please provide me with the results of your investigation, including any supporting documentation from the creditors involved. If you determine that these inquiries were indeed unauthorized, I request the immediate removal of these inquiries from my credit report.

According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputes within 30 days of receiving a written notice. I am aware of my rights under the FCRA and the importance of accurate credit reporting. 

I kindly request that you notify me in writing of the outcome of your investigation within the legally mandated timeframe. If the investigation finds in my favor, please provide me with an updated copy of my credit report reflecting the removal of these unauthorized hard inquiries.

I appreciate your prompt attention to this matter and your commitment to resolving this dispute in accordance with the law.

Thank you for your immediate attention to this dispute. I look forward to a prompt resolution and the removal of these unauthorized hard inquiries from my credit report.
Product: Credit reporting or other personal consumer reports

Re : Formal Complaint Regarding Unauthorized Hard and Soft Inquiries Violations of Fair Credit Reporting Act ( FCRA ) Dear CFPB, I am filing this formal complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) by credit reporting agencies and entities that have made unauthorized hard and soft inquiries on my credit report. These inquiries were conducted without my consent or any legally valid reason, and their presence has negatively impacted my credit profile. I seek immediate corrective action and enforcement of the relevant laws. 
1. Unauthorized Hard and Soft Inquiries Violations of 15 U.S. Code 1681b Under 15 U.S. Code 1681b, a consumer report may only be furnished for specific permissible purposes, such as when there is a valid contract, a written authorization from the consumer, or for purposes specifically outlined in the statute. The following hard and soft inquiries were made without my authorization or any legally valid reason : [ List of unauthorized inquiries, e.g., XXXX XXXX, XXXX, etc. ] I did not initiate these inquiries, nor did I provide any explicit consent for these companies to access my credit file. The continued presence of these inquiries violates the FCRA and damages my credit standing by lowering my credit score and creating inaccurate information. 
2. Impact of Unauthorized Inquiries Hard inquiries, in particular, can significantly lower a consumers credit score, and soft inquiries, while not always visible to other creditors, still reflect improperly on my credit history. The presence of unauthorized inquiries misrepresents my financial activity and negatively affects my ability to obtain credit on favorable terms.

3. Legal Remedies and Violations of the FCRA The unauthorized inquiries constitute a violation of 15 U.S. Code 1681b, and I am entitled to remedies under 15 U.S. Code 1681n ( willful non-compliance ) and 15 U.S. Code 1681o ( negligent non-compliance ). These include : Statutory damages of up to {$1000.00} per violation.

Actual damages for the harm caused to my credit standing.

Punitive damages for willful violations of the FCRA.

Recovery of legal fees and costs associated with disputing these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following creditors have violated my rights XXXX XXXX XXXX bank Account # 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 XXXXXXXX Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said any credit card. The Credit card is my social security card In which I used to originate every consumer credit transaction above.

Pursuant 15 USC 1681a 2 ( A ) ( i ) Exclusions-Except as provided in Paragraph ( 3 ), the term consumer report include - ( A ) Subject to section 1681 s-3 of this title, any ( i ) report containing information solely as to transaction or experiences the consumer and the person making the report ; This law clearly states Transactions or experiences between consumer ( Me ) and the person ( The above creditors ) making the report is NOT INCLUDED on my consumer report Pursuant 15 U.S.C 1681 section 602 A. States I have the right to privacy.

Pursuant 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 and I have not given any of the above corporations written permission to furnish any of the above items on my consumer report my rights have been violated.
Product: Mortgage

I am trying to obtain a payoff for a mortgage with TCF Bank. I have submitted the request for the payoff three times but TCF Bank is saying they have not received the request. It has been over three weeks and the mortgage is in foreclosure, yet TCF Bank is refusing to send the payoff. I think they want to foreclose because there is so much equity in the property and they will financially benefit from not having it paid off before it is foreclosed upon. This is scandalous.
Product: Mortgage

I am contacting the CFPB for urgent help as my home has a scheduled foreclosure date of XX/XX/XXXX. I have been attempting to get a modification from PNC Mortgage for years. I had as business that I struggled to keep open for years and eventually closed the business and found employment. I have submitted applications over and over and always closed out for not sending in documents I sent in. I am begging to keep my home I purchased in XX/XX/XXXX for {$260000.00}. The value on this home is approximately {$310000.00} and I owe with arrears close to {$460000.00}. The rate is 5.875 %. I am not even looking for a lower payment, I am just looking to resume making payments. I had filed Chapter XXXX 2 years ago and this made applying for the modification even more difficult through the bankruptcy department. I am hoping the CFPB can forward my complete application to avoid going back and forth over missing documents.
Product: Debt collection

XX/XX/2016 the amount of debt XXXX atfer talking to them about and ask to stop calling me because i dont have the money
Product: Debt collection

This is a third party company trying to collect on a debt for XXXX XXXX. I received a settlement from a lawsuit Against this company and no further collections was agreed in the lawsuit Settlement plus a Refund. I supplied the company With the information that I received from CFP B. But they are saying that the debt is valid.
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. 

US DEPT ED # XXXX, # XXXX, # XXXX and 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 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

I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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
Product: Mortgage

My home mortgage company keeps adding late charges to my account when my payments are made on time and I believe they are trying to put me in foreclosure. I have contacted them twice about the problem. I have also tried to submit proof that the funds for my mortgage were drafted out of my bank account before they were late by sending XXXX emails, one for XXXX 2016 and one for XXXX 2016, with attachments of my bank statement to prove it. They have said that they will not contact me once I have submitted proof of my timely payments because that could cause potential privacy issues and that I have to wait until my next statement to find out how the issues is resolved. So I send them the emails. The first time supposedly no one got it. This time I keep getting an error message that my email has been delayed. I am not sure if my email will go through and I have never seen an error message like this. I am worried that my mortgage company is trying to wait until I have three late payments or payments with insufficient funds, in order to foreclose on my property. I believe that might even happen as soon ans XXXX XXXX, 2016. One of my supposedly late payments the funds were drafted on the XXXX and they did n't deposit it until the XXXX. These are unfair business practices and I really need CFPB to help intervene or I am afraid I may go into foreclose to the dubious actions of Shellpoint Mortgage Company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I reached out to XXXX to dispute some fraudulent active on my credit report. There are XXXX hard inquiries on my report that I did not authorize and I have a fraud alert on my account. I explained to the representative that I am in a XXXX XXXX Bankruptcy that was filed on XX/XX/2022. I have not inquired for no new credit. The representative stated that if it is on my report then their 's nothing that can be done about the hard inquiries. So I asked even when I have a fraud alert on my account their 's nothing that can be done. He stated no. I havent applied for any new credit. But everything I talk with either credit bureau I have to send them a copy of my driver 's license, social security card, and bank statement with my address. But someone can go apply for credit in my name online or in person and nothing can be done about it. It just goes on my credit report.
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 confidentially under 15 USC 1681. 

accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & out # XXXX, 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 furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This formal CFPB complaint is in response to Account Resolution Service 's fraudulent attempt at collecting three medical debts not owed.

Upon contacting the alleged hospital in question, they are not familiar with my name being attached to any medical debt.

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient and that there is some contractual obligation which is binding on me to pay this debt.

Please attach copies of : 1 ) Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. and
authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.The term breach of security
means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 2 ) Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization.

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of
this account on my credit reports.

Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim.

In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the XXXX and XXXX XXXX XXXX for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion and illegal collection activities on any acc

ount that may be time-barred as well as in violation of Indiana medical privacy rules. I also hereby reserve my right to take private civil action against you to recover damages, and will retain my right to arbitrate the multiple account in my name showing on my credit reports.
Product: Debt collection

Someone obtained a loan from XXXX ( XXXX XXXX XXXX  ) and purchased a XXXX on XXXX I did not open this loan. This company XXXX can give out loans without credit check. Because this debt was not paid, XXXX send this to a law firm Mountain Peak Law Group ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to collect this debt. I got the loan document and it is not my signature, not my cell number, and not my email on the loan.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. I was informed that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card

Had a promotional interest rate on purchases and balance transfers which was set to expire on XX/XX/XXXX. I paid off the entire balance by that date yet was still charged over {$100.00} in interest on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 


605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX  I purchased XXXX XXXX stream service on my truist bank credit card at the XXXX XXXX store on XXXX XXXX in XXXX Tennessee. On XX/XX/, I returned the box and canceled the service. I received receipt of the returned. The cost {$130.00} has been canceled from my XXXX  account, but my truist bank credit card did not credit my account. I have sent cancelation letter to truist bank from my email sent by XXXX XXXX, print out of purchase., and another form showing canceled the next day. I also sent XXXX XXXX location and phone number where I made the purchase. All information was sent to email creditcard XXXX, bankcard XXXX and a fax number XXXXThe XXXX  merchant ( store manager ) has compromised for further assistance on this matter. Everytime I call truist bank rep or manager, they tell me something different about the claim. They also keep giving me different claim number. These are the claim number for the same case. Claim number XXXX. Claim number XXXX XXXXXXXX. Claim number XXXX. All I want is for {$130.00} to be credit back to my credit card ending in XXXX. If you need more information, feel free to call me at XXXX. My name is XXXX XXXX.