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

My name is XXXX XXXX, I'm writing to address several problems I've found with my credit report. These include incorrect account listings, unauthorized inquiries, credit reporting mistakes, billing issues, and accounts that do not belong to me. 

I am requesting help to fix these issues and protect my financial security.
Product: Debt collection

XXXX XXXX states that it verified that I was notified on a legally binding document making the claim that they mailed a letter to me on XX/XX/XXXX that I never received. 
This is in regards to the results I received via CFPB # XXXX via CFPB portal on XX/XX/XXXX. 
Therefore, I am officially requesting that your organization provide verification of delivery of that notice such as the tracking number that your organization used to verify as ( PROOF ) : that you sent such notice on XXXX XXXX that you state was full complete validation in accordance with the Fair Debt Collection Practices Act. 

I was not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet you placed a collection on my credit report.

I was not given the chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). 
XXXX XXXX is violating my consumer rights by using false misleading misrepresentation and deceptive means. 

Portfolio Recovery has no authority to furnish this account to a consumer reporting agency with my name and non public personal information to consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s2 ( 7 ) A.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis is in violation of 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

LexisNexis may not disclose nonpublic personal information to a nonaffiliated third parties. LexisNexis has provided XXXX, XXXX, and XXXX with information without providing me the consumer with disclosure in writing or electronic form or other form permitted by the regulations prescribed under section 6804 of this title. LexisNexis has not given me the consumer time that such information is initially disclosed, to direct that such information is not disclosed to such a third party. LexisNexis has also failed to give me the consumer an explanation on how I can exercise that nondisclosure option.
Product: Credit reporting or other personal consumer reports

I identified unauthorized hard inquiries on my credit report, which violate 15 USC 1681c-2. Please correct this error and remove the inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPT OF ED/XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Somebody I tried to get a credit card in my name at cabela 's. In Delaware in Delaware. That was not me.
Product: Debt or credit management

15 usc 1681a2. i didnt give written permission to have those accounts furnished on my report
Product: Credit reporting or other personal consumer reports

Transunion committed unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 by ( 2 ) relying excessively on furnishers to resolve disputes, routinely doing nothing more than sending the dispute to a furnisher and implementing the furnishers response, despite having evidence of that furnishers unreliability.

This debt collector engaged unfair, abusive, and deceiving tactics that are unlawful under the FDCPA.
Product: Debt collection

I had an XXXX  visit in XXXX, with no insurance, I paid half of what I was told to pay up front. The remaining balance I made payments on and set up payments, but I never had them taken from my account at the time. I was called continuously and I kept trying to get some kind of arrangement set up but no one was willing to help. 
I am also confused on when the date was for service and when I was supposed to have it paid.
Product: Credit reporting or other personal consumer reports

XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX  is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). 

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to TRANSUNION and XXXX. By way of identity theft, said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Debt collection

Im becoming increasingly concerned with the servicing provided by MOHELA for my loan originated with XXXX. In XXXX they raised my variable interest loan up to 7.18 % from 3.55 % the previous month. I notified them of the error and it was corrected down to 2.98 %. I didnt want to make a big stink about it going up 4-5 % for a few days so I let that go after it was fixed. 

Then in XXXX I applied for an economic hardship ( XX/XX/20 ) forbearance as a result of medical bills I received. They sent me the form via e-mail & instructed me to return it via my dual authenticated account online. After I completed the form and uploaded it as instructed, they denied the claim without cause communicated to me. I reached out & they indicated said without an actual signature they couldnt approve it. I asked them for alternatives because I dont have a printer and didnt think it made much sense for me to go to XXXX to pay for printing in the midst of a pandemic and while applying for an economic hardship forbearance. Further, working for a financial institution myself, I know theyve had months to figure out alternatives to solve for this exact situation so that customers dont have to leave their houses or interact with strangers in the midst of a pandemic. 

Despite their lack of assistance, I was able to have my fianc print the form I needed to sign & uploaded it with the requested signature a few days later. It was submitted prior to my due date & I received notification of the forbearance being approved on XX/XX/20 the same way i became aware of the denial previously. 

Despite the approval, they still took the money from my account. I called them and told them I needed the money & wouldnt be able to buy groceries unless it was returned. They told me they would process the refund immediately. A week went by, and my checking account was still over drafted because of the payment they took. I called back and they told me they actually HAD NOT processed the refund the week before, and would process it that day. At that point I reached out to my bank to file a dispute because the loan was in forbearance when they withdrew the money and i wanted the overdraft fees refunded also. MOHELA botched the refund, and have now the set my principle balance higher than its been since XXXX despite the fact that Ive been making interest payments all along. I should not have to pay interest on the same principle balance more than once as a result of their mistake. Ive asked multiple times for the balance to be returned to the amount quoted in the forbearance agreement. 

Im concerned that their servicing contract with the federal government has made XXXX customers less of a priority for MOHELA, and operational errors like this are more likely to occur moving forward with any additional volume.
Product: Debt collection

I have an account that is not mine. I reported that my ID and wallet was stolen and charges were made on a credit card that were not mine. I changed addresses and moved to another county and I wasnt aware the credit card company was requesting payment. I asked to have the account reviewed but no action was taken or finalized.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligations under the fair credit reporting act to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate of unverifiable accounts unresolved. Following accounts needs to be removed XXXX  XXXX XXXX XXXXXXXX
Product: Debt collection

I am the properly authorized consumer and I am submitting this dispute on my own without any third parties, with the intent to not be discriminated against for exercising my rights and applying the federal laws put in place to protect me the consumer. On XX/XX/22 a certified notice was sent to Bank Of America in reference of a billing error. Bank Of America failed to clarify the billing error, but instead used XXXX  identity theft with extortionate means for the collection of an extension of credit. Please see attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

After realizing I had become a victim of identity fraud, I made contact with all three of the major consumer reporting agencies to inform them of this matter. In addition in included several dispute letters and also a copy of an identity theft report. Since reaching out to Equifax, they have yet to provide accurate verification and has failed to abide by the Fair Credit Reporting Act. It has been over 60 days and Equifax has not blocked or removed the fraudulent account in XXXX XXXX acct # XXXX. I have sent Equifax several pieces of documentation including a copy of my driver 's license, social security card, and utility bill with my most up to date current information supporting my claim. Equifax has failed to adhere to sections 605b, 609, and 611. It is clear my consumer rights are being violated and continue to be, in addition of my denial of credit due to inaccurate information being reported on Equifax 's behalf.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc ) to inadequate costumer service and unfair practices which violate the consumer financial protection Act ( CFPA ) .Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronics fund transfer Act ( EFTA ) .and regulation E.these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

Since XXXX XXXX XXXX I have sent written requests to have inaccurate information removed form my report. As of today, none has been removed.
Product: Debt collection

I have sent letters requesting these " debts '' to be verified and they have not responded then today I do a compare between my reports and the same " debt '' is showing up with two different company names and one will show Open and is a Charge Off then the same account with a different name will show Open Refinanced or Renewed this shows on all four which I have attached screenshots of. I have NEVER spoken with this company to " Refinance '' anything seeing how my ONLY correspondence was sending them letters asking for Validation from Central Financial Control I have even less idea who Syndicated Offices are. How can two differently named companies be on my report for the same " un-validated debt ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights : XXXX  XXXX Account # XXXX ; XXXX XXXX XXXX XXXX Account # XXXX ; XXXX # XXXX ; XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX 15 U.S.C. 1681 section 602 A states, I have the right to privacy.

15 U.S.C. 1681 section 605 A section 2 states, consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/XXXX thru XX/XX/XXXX, I have been disputing an inaccurate account with Experian which has multiple errors. The account in question is with XXXX XXXX XXXX in the amount of {$19000.00}. 

Experian continues to report the derogatory data they alleged as verified by XXXX XXXX XXXX even though I have pointed out these errors. 
Some of these errors appear to be unlawful violations and/or non-compliance with the guidelines of the FCRA. 
A ) .Reporting a balance/past due amount of {$19000.00} on a closed charged off account which has been " sold/transferred. '' B. ) Charge Off amount {$28000.00} inconsistent with Past due amount reported C. ) Late Payments or Activity reported on a " Closed '' account after original Closed and/or Charge-off date D. ) '' Date of Last payment '' XX/XX/XXXX reported inaccurate ; not found in payment history E. ) '' Late payments '' reported inaccurate on XX/XX/XXXX and XX/XX/XXXX F. ) '' Date of Status '' never changed ; Evidence of Failure to do a " reasonable '' Independent investigation *See Additional documentation attached
Product: Mortgage

I refinanced my home mortgage in XXXX 2016 with USAA Federal Savings Bank. {$1400.00} was deducted from my checking acct and a cashier 's check was mailed by my bank XXXX to USAA Bank for receipt by XXXX XXXX, 2016 for my first payment. I followed up with a call to USAA Bank on XXXX XXXX, 2016 and spoke with XXXX in customer service. XXXX stated that they did n't receive the funds that it was n't in their system. XXXX said to call back in five to seven business days. I called again XXXX XXXX, 2016 and spoke with XXXX in customer service. XXXX stated that they never received the payment and that I needed to make a payment before XXXX XXXX, 2016 or late charges would be applied to my mortgage account. XXXX instructed me to get a notarized letter from my bank stating that the transaction occurred and a bank summary of my account transaction for XXXX XXXX, 2016 showing that the the amount was sent to USAA Bank and fax the documents to USAA Bank 's research dept which I did that same day. I again called USAA Bank on XXXX XXXX, 2016 and spoke with XXXX in customer service. XXXX checked with their research department and said that the payment was n't there. I 've also checked with my credit union XXXX XXXX branch many times. XXXX XXXX a supervisor has done an in dpth analysis of my checking account and showed me that in fact USAA Bank did receive the funds on XXXX!, 2016. Until this is straightened out, I 'm out {$1400.00} because of someone 's lack of concern and incompetence. I 'm a XXXX XXXX XXXX vet on XXXX. This is a whole lot of money being taken from me that I really need.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 usc 1681. 
XXXX XXXX is govern by 15 usc 1681. And they violated my rights numerous of times I demand the accounts listed below be removed because According to 15 usc 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The Protecting Veterans Credit Act of 2017, which was passed by Congress in XXXX, requires credit reporting agencies to remove information about veterans ' credit reports that relates to debts or collections I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

The FCRA
Product: Debt collection

Company trying to collect on a debt that I have no knowledge of XXXX XXXX XXXX
Product: Checking or savings account

my mother is s a XXXX year lady that lives with me in XXXX XXXX Ca and my mothers money was taken out in XXXX use her information i did let the bank know and they are denied my mother of and fraud. she did do a police report and the bank does not want to take it in consideration..
Product: Debt collection

I have an emergency room bill I had requested be waived by a charity care state program, application was accepted and I received confirmation from charity care the debt was covered/paid IN FULL. This debt was still sent to collections I have disputed with XXXX back in XX/XX/XXXX then again with XXXX and XXXX, both, on XX/XX/XXXX and its said the results as of my reply from both bureaus, XXXX on XXXX and XXXX completed XX/XX/XXXX, are the debt was found valid, though I clearly have documentation proving the full balance was paid/covered, which includes matching account numbers and starting balance ( the collection agency has been adding interest also on this invalid debt ) which I submitted with the dispute. This has been negatively impacting my ability to get credit for over XXXX  years now.
Product: Credit reporting, credit repair services, or other personal consumer reports

( XXXX XXXX XXXX ACCOUNT # XXXX ) and ( XXXXXXXX XXXX XXXXXXXX, # XXXX ) broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, TransUnion, XXXX who are furnishing inaccurate and unverified information on my consumer report. 

Proof of inaccuracies is attached example date opened ( XX/XX/XXXX ) on ( TransUnion ) but on ( XXXX it XX/XX/XXXX ) date last active ( XX/XX/XXXX ) on ( TransUnion ) but on ( XXXX it XX/XX/XXXX ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX, TransUnion, or XXXX the permission to furnish this report I demand that they delete this account from my consumer report. 

in accordance with the fair credit reporting act convergent ( ( XXXX XXXX XXXXXXXX, ACCOUNT # XXXX ) and ( XXXXXXXX XXXX XXXXXXXX, # XXXX ), have violated my rights. 

15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

I am writing this letter to explain a series of unfortunate events that have caused me to turn for you for help. From my understanding, lenders or servicers are supposed to help homeowners stay in their home and avoid foreclosure, but unfortunately that has not been my story. My current servicer is Wells Fargo and I am under foreclosure with a current sale date schedule for XX/XX/XXXX. I have been behind for a few months now and the reason I fell behind in the first place were due to circumstances beyond my control. Back in XXXX, my XXXX fell very XXXX. It came to the point where she was hospitalized and the medical bills were more than {$20000.00}. This set me back badly. However, now I am in a better standing position. My wifes health has improved and I have a very good earning job. I have submitted a new Mortgage Assistance Package to my lender with time in advance from the current sale date, but Wells Fargo has not given me a fair chance to be reviewed for a Loan Modification, even though Ive stayed within the investors guidelines. I even escalated the matter to the XXXX office at Wells Fargo and I have been speaking to XXXX XXXX. She advised me they would review my file and postpone the current sale date, however nothing has been done. I feel all they did was stall. Im at an 8 % interest rate and I make enough income to cover my monthly mortgage payment. Not only that but I submitted a complete mortgage assistance package to Wells Fargo with time to  spare ; I am within 7 days to be reviewed according to investors guidelines and I feel I have been discriminated against because of my domestic partner. Please help me find a solution so I can stay in my home and get back to current.
Product: Checking or savings account

I am a client of Capital One and noticed CFPB is suing for the misleading practices of the bank not paying correct interest rates. I had established my account with Capital One using 360 Money Market ac which was the legacy high yield account. I needed to transfer to Capital One 360 Performance ac to obtain the high yield rate. No notification was sent to me to transition nor alerts. The period of time earning lower interest rate went on for years until transferring my balance of {$140000.00} to XXXX XXXX on XX/XX/year>.