23daVinci/CFPB_Complaints huggingface dataset:
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. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

My balance is XXXX in XXXX they say that I enrolled in a debt management program. Which I did not. I am trying to get closure on this account. They won't give me a settlement amount and then they are making my payments late and it's not fair. It is affecting my credit.
Product: Mortgage

Due to loss of job and divorce I got behind on payments. I realized that I could n't catch up so I listed the house for sale with  XXXX   XXXX  as a short sale in  XXXX   2016 . They got an offer shortly thereafter which was over the listing price. They contacted the servicer and tried to initiate the short sale but have never received a call back for the loss mitigation department fro m Carrington Mortgage Service. They have tried to contact the executive office and no one will assist with pu tting them in contact with anyone in corporate. I filed bankruptcy once to stop the foreclosure but the realtor is still not able to get in touch with anyone from the lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. Criminals had all my personal info. through XXXX data breach and on XX/XX/XXXX Criminals swapped my cell phone number to their devices and start frauds under my name. XXXX XXXXXXXX credit card was opened XXXX XXXX, XXXX under my info. and I called XXXX XXXX on XXXX XXXX when I realized the situation after I had my police report on XX/XX/XXXX. The XXXX XXXXXXXX agents told me nothing to worry since they already cancel the fraudulent card. And I confirmed with them repeatedly anyway, every time they assure me that the card has been cancelled and I have nothing to worry. After 1 month or so, I noticed there was a significant balance on my credit report with a XXXX XXXX credit card. And I start disputing with XXXX XXXX. I submitted documents and police reports to different supervisors since I have to call them over 20 times about the issue, and every time the different supervisors gave me different requirements. I tried my best to follow and wish they will take care of this issue carefully since I am the victim and it is so obvious. All my other financial frauds with other banks/credit cards have been solved without any problem. But, XXXX XXXX insist I should responsible for the fraud and won't tell me the reason. It has been a very unpleasant experience with XXXX XXXX. It is the first credit card issuer I called to warn the identity stolen and I was assured by their agents, but it turned out XXXX XXXX never take care of it and put all the responsibility on the victim without any reason. 

And I started disputing this fraud on transunion file number XXXX Data issued XX/XX/XXXX and XXXX Report # XXXX on XXXX XXXX with all the supporting documents, but the transunion/XXXX  did not work this out, they insist Transunion can't remove it since XXXX XXXX  doesn't remove it. All the experience is bad and transunion/XXXX  supposed to be a third party not work for XXXX XXXX, they should have their own investigation and contact me whatever needed to support my case. 

I am the victim and I have all the supportive documents. 

CFPB is the last step I can take to protect my rights, I am the victim and I believe there is justice, one should not responsible for something not done by him. And Transunion credit report significantly hurt my credit score and my financial life, I am looking for law help to protect my own right. And Transunion need to correct the credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Iowa student loan office on XX/XX/XXXX and talked to XXXX. He said they reported the last balance back in XX/XX/XXXX and the account is now closed. The credit report states i have a balance of {$1000.00} and XXXX said they never reported that amount to Trans Union. The account should be closed by the Department of Education.
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. 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have received repeated calls from XXXX XXXX XXXX  XXXX @ XXXX. They are calling my ex husband, my work, as well as my cell phone repeatedly. I have told them to cease contact. They stopped for two weeks, but now they have started again. The last time we spoke, on XX/XX/XXXX, 2017, I told them to proceed with the threats - which included court procedures. They proceeded to use name calling as a form of intimidation. I also told them that I have an attorney, they said they could n't legal discuss any further. But, another employee proceeded to call me a minute later. Specially, this person ( named XXXX ) said I was " XXXX '' for allowing this to continue. I shared with them that I would be reporting. I did not report that day, but here we are, nearly 3 weeks later, and they have started to contact me again. Today, I received 4 calls within a three minute time frame. My phone is ringing repeatedly from these people.
Product: Debt collection

Over the past month, I have made several calls to Discover and was consistently redirected to XXXX XXXX XXXX, XXXX, as they were assigned to collect the debt. Each time I contacted them, my account was on hold, preventing them from providing me with a balance. Today, I called and they informed me that the hold had been removed. However, the account information with XXXX is incorrect, leading to an overcharge. 

The account was sent to XXXX with a balance of {$23000.00}, which increased to {$25000.00} due to interest. A judgment was issued for {$25000.00}, which does not accrue further interestmeaning the balance should only decrease as payments are made. In XXXX, two payments totaling {$3600.00} were applied to the account, and Discovers credit reporting now reflects a balance of {$19000.00}. However, XXXX has acknowledged these payments but has not adjusted the collection amount accordingly. They continue to demand the full judgment amount despite the payments made. 

I have raised this issue with multiple Discover representatives, but each time, I am referred back to XXXX. Although Discover acknowledges ownership of the account, they claim they can not intervene because it was sent to a collection agency. I even had one representative facilitate a call with XXXX, during which XXXX admitted there was an error. However, they are unable to correct the balance on their system, preventing me from making the correct payment online. Additionally, Discover is refusing to accept my payment directly. 

This situation forces me into a position where the account can not be properly settled without overpaying due to the collection agencys miscalculation, while Discover, as the account owner, refuses to accept my payment for the correct balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are listed below. I am a victim of identity theft and did not make the charge. I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit Please delete the items as soon as possible. 

Fraudulent accounts Date Discovered : XX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX When Account Was Open : XX/XX/XXXX Account Balance : {$140.00} Date Discovered : XX/XX/XXXX Account Number : XXXX Account Name : XXXX  XXXX When Account Was Open : XX/XX/XXXX Account Balance : {$93.00} Fraudulent Experian Inquires Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Product: Credit card

This issue deals with Chase reissuing duplicate cards with chips. My old card ( w/o a chip ) had an expiration date of " A ''. I was issued a duplicate card with the same XXXX digit card number, CVV code and EXP. date as the non-chipped card. At some point after that I received another chipped card from chase with the same XXXX digit card number but a different CVV and Exp ( Exp. " B ''. I do n't recall getting this card as I have always used the card the exp. date of " A ''. On XX/XX/XXXX I attempted to make a purchase on XXXX which was delined. After the card was declined I called XXXX to figure out what was wrong. They said that some of the billing information did not match what the bank had on file. I resubmitted the information and went to dinner. I paid for dinner using the card with the exp. date of " A ''. Once I got back home I noticed that the card was once again declined and XXXX said that I needed to call my bank. I called Chase and they said that the card they had on file did not match the card I had in my possession ( the exp. dates and CVV were different ). I did n't know that I had the card with a later exp. date until after I hung up with the fraud dept at Chase ( I found it in a stack of cards ). They ensured me that there was no security risk because there had been a computer glitch and the card had never been sent out ( I 'm currently holding both cards in my hand ). The card was " scheduled '' to have been sent out in XXXX of 2015 which means from XX/XX/XXXX-XX/XX/XXXX I used an obsolete card. I was never notified over the 6 month period that it was possible that a card was missing or that someone could 've stolen the card out of the mail. I assume that the new card would have worked as well as the old. Meaning XXXX card number had XXXX valid exp. dates and CVV codes. Chase lied saying that the card had never been sent, something weird happened with computer and they are either unwilling to say or are unable to determine what happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my Equifax credit report I noticed that there is duplicated hard inquiries on my Equifax report, please remove duplicated inquiries below XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX ) XXXX XXXX XXXX XX/XX/2021 2021
Product: Debt collection

CREDIT PROTECTION IS A COLLECTION AGENCY ATTEPTING TO COLLECT A DEBT FROM A SERVICE I DID NOT RECIEVE. I AM ASKING FOR THE TO EITHER PROVIDE ME WITH THE ORIGINAL COPY OF A CONTRACT OR AGREEMENT SIGNED BY ME FOR AUTHORIZATION OF SERVICE OR REMOVE SAID COLLECTION ACCOUNT FROM MY CREDIT BUREAU
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive received a letter back on XX/XX/2019 from Equifax asking for additional info of my identity for my credit dispute letter when Ive already sent them a copy of my Drivers license and Social Security Number. And I even got my letter notarized for {$10.00}. Now I just sent another dispute letter with the same identification info with another notarized for {$10.00} and an additional letter stating that I will report them for stalling my disputes. I believe its a stall tactic that theyre playing with me I dont take it lightly. I did not make a copy or photo copy of the letter I sent but I do have the letter format saved in my documents. But also I do have the receipt of the notarized letters. 

Thank you
Product: Credit reporting or other personal consumer reports

I have noticed multiple hard inquiries on my credit file, that are incorrect and would like them to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

BOA double charged me on a month I had a large balance, and I've been unable to get my money back despite a series of long calls with the company and various promises made. My BOA credit card is on autopay, to cover the full amount each month, from my checking account at a different bank. At the beginning of XXXX, I got a notice the payment couldn't go through because of the balance in my checking account. I fixed the balance, and then sent in payment manually through credit card website ( still taking money from the same bank account ). A couple days later, BOA took the same payment AGAIN : {$4900.00}! I called to ask to get my money bank in my bank account, starting beginning of XXXX, and despite many calls and being handed around between employees and departments, I still don't have my money back. My credit card now account shows an almost {$4000.00} credit, and they *still* took more money out of my bank account to pay my XXXX balance. They keep telling me different things, but the conflicting advice almost doesn't matter because it all results in the same thing : I'm out the money they took from my bank account without my permission, and scrambling to pay my mortgage and coop fees, and my estimated taxes, and other bills, for the second month in a row. Today I called again ( having been promised the money back in my bank account by last Friday at the latest, but of course it is still not there on Monday ) and was told it would take 30 days more to get it. Previously, I was told it would somehow take three billing cycles, to get my money back. Funny, when I sent money to them, it went through almost instantaneously! Whatever BOA says in response to this, I am absolutely not going to believe it until I see the money actually back in my bank account.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002,142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindliy request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information transunion. Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a credit card from XXXX XXXX XXXXXXXX and have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. I called XXXX XXXX XXXXXXXX, and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30-day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXXXXXX XXXX XXXXXXXX with no successful resolution. Experian, XXXX, and XXXX reported me 30 days late in XX/XX/2022. There was an error on their part. I was never 30 days late.
Product: Credit card

In XXXX, I initiated a bank transfer from Citibank to XXXX XXXX  XXXX Simultaneously, I applied for a debt consolidation loan to settle the balance I intended to transfer from Citibank to XXXX XXXX. Consequently, the balance with Citibank was brought to XXXX. Subsequently, XXXXXXXX XXXX issued a check to Citibank for the balance transfer, which Citibank duly cashed. 

However, this action resulted in an overpayment status and flagged my account as fraudulent, leading to the closure of my account. Despite numerous attempts to resolve this issue by contacting Citibank 's fraud department, customer service, and security operations department, I have been unable to secure a refund. The account 's heavily restricted status has hindered any progress in addressing the overpayment. 

As of XXXX, I have yet to receive any communication from Citibank regarding the refund, and this prolonged delay is causing significant financial strain. Moreover, the check from XXXX XXXX  was cashed by Citibank, leaving me with an outstanding balance that I am now required to repay, impacting my ability to fulfill my financial obligations, including the repayment of the debt consolidation loan used to clear the Citibank balance.
Product: Credit reporting or other personal consumer reports

Transunion have published inquiries on my credit report that are fradulent. According to XXXX XXXX XXXX these inquiries MUST be removed or fines exceeding {$1000.00} per violation will be assessed.
Product: Credit reporting or other personal consumer reports

After contacting the company and a legal advisor. I have been told to report this error through here. I have been a victim of identity theft. There were several accounts opened under my name without my knowledge and consent. 4 of the accounts are as listed. " XXXX XXXX XXXX '' opened on XX/XX/year> with a balance of {$53000.00}. The 2nd is " XXXX  XXXX '' opened on XX/XX/year> with a balance of {$21000.00}. The 3rd is " XXXX XXXX '' opened on XX/XX/year> with a {$17000.00} balance. The last account on this report is " XXXX XXXX XXXX '' opened on XX/XX/year> with a {$53000.00}. I've made claims about these in the past and it is not fair that it is still reporting on my credit.
Product: Credit card or prepaid card

My Discover credit card has an unauthorized charge. The card is lost. I mailed a charge back letter to discover, but till date discover has done nothing. The content of the letter is as follows : XXXX DiscoverBankChargeDispute DiscoverBankGeneralCorrespondence XXXX XXXXXXXX XXXX XXXX, XXXX Re : XXXX Name : XXXX XXXX, XXXX, XXXX, XXXX Email : XXXX XXXX Phone : XXXX : XXXX XXXX XXXX XXXXXXXX XXXX Merchant : XXXX XXXX _________________________________________________________________________________ XXXX, XXXXXXXX XXXXFurthermore, XXXX XXXX : XXXX XXXX, XXXX XXXX. Note : XXXX ( XXXX  ) XXXX Sincerely, XXXX XXXX
Product: Student loan

Complaint is against Wells Fargo regarding my private student loan # XXXX. MY complaint is that Wells Fargo purposely refuses and delays to provide loan payoff information in order to interfere in loan consolidations with other companies in order to influence a denial which would keep the loan with WF so they can continue to accrue double digit interest from a loan they lended to me during the last financial crisis. 

I logged onto their website today. Please be informed that multiple lenders including XXXX, XXXX, XXXX and more allow you to access a 10-30 day loan payoff statement right on their website. Wells Fargo does not, it instructs you to call. Well I called earlier today and I was told it takes up to 3 days to receive a loan payoff statement? It is a simple detail about my loan and this may have a negative consequence on a consolidation pre-approval that I have. 

Please be advised Wells Fargo has a bad reputation in regards to refinance and consolidation denials in order to keep struggling consumers in their current bad loan terms. The fact that they are telling me to wait three days for simple information on my loan is entirely unacceptable!
Product: Checking or savings account

I opened a saving account online with US bank XX/XX/XXXX and decide to cancel it today XX/XX/XXXX, I called them and both the agent and her supervisor told me I need to go to a branch to close it. But I opened it online and there is no branch in my area. they suggest I fly to a city with their branch to close the account.
Product: Credit reporting or other personal consumer reports

Delete Hard Inquiries 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 
Delete the accounts below :