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

I was reviewing my credit report and noticed the below inquires that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT AGENCY IS REPORTING CHILD SUPPORT OWED WHEN THE COUNTY/STATE DOES NOT DIRECTLY REPORT TO CREDIT AGENCIES WHICH VIOLATES MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT.
Product: Debt collection

Experian has without a doubt suggested that the cash reserve of {$500.00} dollars at XXXX is a credit card. It has also alleged that Mr. XXXX is not a shell company for XXXX who has maligned my credit rating by associating a {$4000.00} credit card to tune of XXXX a credit card 4 year old and used this Shell company to assume I have defaulted the mortgage has a score of XXXX
Product: Checking or savings account

I am joining the lawsuit with the XXXX service for JPMORGAN Chase. Please add my name to the lawsuit of 2017. 


Thank you, XXXX XXXX
Product: Debt collection

I sent the company a cease and desist from all mediums of communication on XX/XX/XXXX and they are continuing to report on my private personal credit report breaking the desist. I requested it because they claim I owe them a debt and they have not provided a contract with me and you on a contract together. I'm not aware of any contract of such.

Given your agencys history, notably the XXXX lawsuit by the Consumer Financial Protection Bureau ( CFPB ) against Fair Collections & Outsourcing and its CEO, XXXX XXXX XXXX, for violations of the Fair Debt Collection Practices Act ( FDCPA ), I am particularly vigilant about your collection practices. The lawsuit, which resulted in an {$850000.00} civil penalty and mandated corrective policies to prevent future violations, highlights the need for strict adherence to legal standards in your operations.

I requested information that they claim we have made a transaction together and they have created an account without my written. So I need proof of claim UCC 9-210, full authenticated accounting for this account that I opened with this debt collector.

1. A full accounting per GAAP, including a certified accounting ledger.

2. W 9 form for IRS tax purposes filled out by a corporate officer and all parties involved 3. A true and certified copy ( not a photocopy ) of the Original Note ( Credit Agreement ) accompanied by a statement under penalty of perjury confirming the non-sale of this Note.

4. Any and all relevant tax documents ( e.g., XXXX, XXXX, XXXX, XXXX ). 
5. Details of any additional documents relevant to the disputed charge-off.

6. Mail a bill or coupon to remit for payment 7. Mail your bond and license information to collect debt Fair credit has failed to provide the requested documentation within the specified timeframe which has lead to the following conditions : 1. That the debt did not exist in the first place ; OR 2. It has already been paid in full ; AND 3. That any damages suffered, you will be held culpable ; 4. That any negative remarks made to a credit reference agency will be removed ; 5. You will no longer pursue this matter any further.

6. You agree to pay all fee schedules.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found errors in violation of 15 USC 16c-2. The hard inquiries listed were not authorized by me and are harming my credit rating.
Product: Mortgage

On XX/XX/2020 I received a letter from my homeowners insurance company stating that my policy would be cancelled for nonpaymet effective XX/XX/2020. I called PHH to  determine why the company had not been paid as this payment is escrowed. My first call to them involved a 36 minute hold and being disconnected after the agent stated he needed to transfer me to the insurance department. I called back and was treated to a shorter 28 minute wait. The next agent also stated that I needed to speak to the insurance department as my loan was not being escrowed for insurance and transferred me. The insurance department told me that indeed the loan is being escrowed for insurance and that payment had been issued. He told me that all this should have been handled by customer service and transfered me back to a new agent. I then demanded to speak to a supervisor. The supervisor determined that the payment went to an incorrect company. She stated that all would be rectified and not to worry. Today, XX/XX/2020, received a letter from my insurance company stating that my cancellation is still on as payment has not been received. I called PHH four times today. On hold waiting 48, 38, 51 and 43 minutes for agents. Two agents hung up on me, one supervisor disconnected me. All promised to call me back if we got disconnected ; never happened. Same runaround as my calls two weeks prior. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am contesting the information on my credit report that I believe is not correct. I need evidence that you veried the information to be accurate and compliant. For every inquiry I request proof that you conrmed that the creditor had a permissible purpose. I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.
Product: Money transfer, virtual currency, or money service

An account number was entered incorrectly, so my financial institution froze my accounts and is refusing to allow me to make payments. Ive been notified of a default notice, but they will not make changes to allow me to make a payment.
Product: Debt collection

XXXX XXXX has been calling my number repeatedly several times a day.. He also is calling family members and my place of employment. He calls from a number XXXX with a name showing XXXX XXXX on caller ID. He leaves a number XXXX, ext XXXX to call back.. The company is showing First Direct Mediation if you XX/XX/XXXXnumber. 

His message states ... .. " This is XXXX XXXX XXXX I am calling for XXXX XXXX. This is my final attempt to contact you regarding your paperwork that will leave my office at the close of business today. Due to your negligence and responding, you will be reported as non compliant. To stop these proceedings, either yourself or your legal representative will need to contact this office today at XXXX and my extension is XXXX ''. 

Another message left on my phone and my sisters voice mail. 
" This is XXXX XXXX. I am calling for XXXX XXXX. My office has been retained to retrieve a statement under a pre-litigation complaint that has been filed by my client file number XXXX. Prior to any further proceedings on the state law, you are permitted only 48 hours to respond with a formal statement. Either yourself or your legal representative will need to contact this office today at XXXX and my extension is XXXX ''. 

These people in my opinion are trying to use these scare tactics and it will not work on me.. I won't answer their calls and have blocked them until they call from another spoofed number.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file, the items i need DELETED are listed in the report. I am a victiim of identity theft and it is damging my livlihood. I demand that you remove these items from my consumer report. I also reported the theft of my identity to the Federal Trade Commission & enclosed copies of the Federal Trade Commissions identity theft affivdavit. Remove these items immediatly or my attorney will be involed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In an attempt to clean up my credit report I reached out to the 3 credit reporting agencies XXXX, Experian, and XXXX. I expressed to them that the accounts XXXX XXXX account # XXXX and XXXX XXXX XXXX XXXXXXXX account # XXXX are reporting information that isn't 100 % accurate and also are violating my consumer rights with multiple violations. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

I also came across the Ftc website more specifically the Gramm-leach-Bililey act and it states that XXXX different disclosures needs to be given before my information is allowed to be sent to any public record, in which I never gave XXXX XXXXXXXX nor XXXXXXXX XXXX XXXX XXXX  permission to do so. I expressed my concern to the reporting agencies as to look into the matter as it pertains to my name and affects my circumstances.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I visited XXXX XXXX XXXX for a consultation regarding XXXX treatment. During this appointment, I was presented with a laser treatment plan costing {$2200.00}. As I could not afford this amount, XXXX informed me about an interest-free payment plan through CareCredit. She instructed me to sign documents related to this plan, assuring me that I had the right to cancel after the consultation. 
Following a brief XXXX minute laser free consultation treatment, I experienced a XXXX breakout, which led me to decide against proceeding with the treatment. I immediately contacted XXXX and requested to cancel any arrangements. She confirmed the cancellation.However, to my shock, I later received a notice from CareCredit stating that an account had been opened in my name whcih shocked me because XXXX claimed she didnt recieve anything and that it was canceled. THIS IS COMPLETELY FRAUD, IM REQUESTING PROOF OF SERVICE AND A CONTRACT WITH MY SIGNATURE.
Product: Checking or savings account

Wells Fargo for over years has charged me multiple fees, and I have never been refunded after I asked several times. Finally now after laws have passed they can no longer overdraft my account but what about the hundreds of fees I paid. 

Thank you
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE BANK USA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Mortgage

I make daily principal payments on my mortgage. On Monday - Thursday I pay {$22.00} and Friday I pay {$66.00}. Per Federal Law principal payments must be applied with an effective date of the date received so that they are not illegally collecting interest on money that has not been earned. What Freedom Mortgage is doing is placing the daily payments into a non-interest-bearing suspense account and then applying the payments received at the end of the month. The entire point of paying extra principal on a daily basis is to avoid the " per diem '' interest costs. Every other bank has chosen to follow the law and apply for principal payments as directed per law. Freedom Mortgage is flat refusing to do so because they said that they will only apply extra principal payments to the balance due as of the date received only when made manually by their website. When any payments come in via XXXX, XXXX, or wire transfer they deliberately chose to apply the payments to the principal balance only monthly contrary to Federal law and regulation. They label the aggregated daily payments applied to my account monthly payments as " curtailment '' which is clearly fraudulent. They have been doing this since the mortgage was transferred to them for servicing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, XXXX add a hard inquiriy on my credit report per XXXX. The report does not include information about the creditor. 
On XX/XX/XXXX, NORDSTROM/TD BANK USA add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX.
Product: Credit card or prepaid card

was on vacation in XXXX on XX/XX/2018, and I had my credit card with me, I went to dinner and when I paid my bill I gave my card to the waiter to make the payment, the waiter left and a few minutes Then he return with my card and my bill. 
that was the only time I did not have my card in my hands Two days later when reviewing my account statement I realized that I had a charge of XXXX dollars from a bar restaurant in which I was not there that night and in fact I have never been in that place. 
I made my claim with the credit company and they did not want to follow my case because supposedly that payment was made with the physical card. 
I have asked for proof that it is actually my signature, because although physically I was supposed to sign. 
The credit card company never showed me any proof that the signature is mine or that in fact that receipt is signed. 
I was a victim of fraud and they ( the credit card company ) said that I have to make a report to the police, I was on vacation and I realized when I returned to the country. How am I going to return to make a report? 
I think they have an obligation to follow up and show me the proof that I was the one who was consuming XXXX dollars in food and alcohol for one person.
Product: Credit reporting or other personal consumer reports

Last month when I tried open a new bank account because of issues with XXXX XXXX checking account I found I had a XXXX  account bank account. XXXX told me the account was closed and they would do further investigation to see about getting me information legally to me.. you spoke since quoted did it hurt my credit record I quoted I have to write to know about all things on my credit record whether it was harmful or not. And I wanted to know what activity was done in my name because i am the victim giving fraudulent and scammers rights over a XXXX XXXX who is not taking from a innocent who gives XXXX bank the right to say no activity on the account for years and i said thats seems odd to keep the account open with no activity for years and told the account was closed. I called the Fraud Department of XXXX twice to get a confirmation number case number or something. Spokesman told me he had to do his research to see what could be disclosed to XXXX late that night XXXX? early morning i was looking into getting a buying a house loan to get my mail properly and grow. Applying on XXXX House XXXX i was informed i all ready had a XXXX account. AGAIN My research determined rocket was a house leaning company. I never got a refund for the ACH transfer rocket to business.Transaction that was charged to my personal bank account. IF XXXX had closed my account two months later it should not be the issue when i log into a XXXX website to find out i still have a bank account with chase not only that but i was in the housing loan department not the bank department and informed i allready have a account? AGAIN and no proper professional.truth about what rights i have as a victim of this incident by a higher up, inform to speak with me about the issue.
Product: Student loan

My complaint is regarding XXXX XXXX now Navients allocation of my Student Loan Payments. In 2011, I entered into an agreement with my employer ( XXXX XXXX XXXX ) for Student Loan repayment. In total my agency agreed to pay {$30000.00} over 3 years. Each pay period my pay office automatically paid {$380.00} to my student loans for a total of {$760.00} per month. When the payment was set up, I requested that after the monthly required payment was satisfied, the balance of my payment would go to the principal balance of the loan. Navient did not allocate my payment this way, instead telling me the payments were being applied the nexts months payment. When I discovered this I called and asked Navient to correct the issues and was told they could only correct the previous two payments. This continued over the course of my student loan repayment agreement. I called multiple times and the payments were still not properly allocated. I started with a balance of $ XXXX and after 3 years of making {$760.00} a month payments, my loan balance only went down $ 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 informationisinaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non compliance with the CRAs ( XXXX, Equifax, XXXX ). They have failed to remove information that is affiliated with personal details that were challenged in the past. I strongly believe that they are are in violation of the FCRA and are outright refusing to uphold the law.
Product: Debt collection

I am writing to file a complaint regarding inaccurate and unlawful credit reporting related to a credit card debt originally owed to XXXX XXXX XXXX. This debt was sold to Resurgent Capital Services, and subsequently to LVNV Funding LLC, both of which have reported the debt inaccurately and have failed to provide proper verification as required by law.

The details of the issue are as follows : Debt Sold to Multiple Third Parties : The original debt owed to XXXX XXXX XXXX  was sold to Resurgent Capital Services, which subsequently sold the debt to LVNV Funding LLC. The accounts associated with these transfers have been inaccurately reported to the credit bureaus. I have not been properly notified by any of these third parties regarding the transfer of the debt or my right to dispute the debt within the required timeframes. 

Inaccurate Reporting and Failure to Verify : Both Resurgent Capital Services and LVNV Funding LLC have reported this debt to the major credit bureaus ( XXXX, XXXX, and XXXX ) without providing adequate documentation or verification of the debt. Despite my requests for verification, neither of these third-party debt collectors has provided the required proof of the debt or properly validated the account under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

No Notification of Debt Sale or Validation : At no point have I received the legally required written notice regarding the sale of the debt, nor have I been provided the opportunity to dispute the debt within the proper timeline. These violations are impacting my credit and causing unnecessary harm.

I have attempted to resolve these issues directly with Resurgent Capital Services and LVNV Funding LLC by [ briefly describe any attempts to dispute or resolve the issue, such as contacting them, submitting disputes, etc. ], but my concerns have not been addressed, and the inaccuracies remain. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against the involved third-party debt collectors for their failure to comply with the legal requirements of debt validation, notification, and accurate credit reporting. 

Thank you for your attention to this matter. Please feel free to contact me if you need any further information or documentation to support my complaint.
Product: Money transfer, virtual currency, or money service

First I noticed that my cell phone does not work anymore so I called XXXX to find out that my cell phone number got transferred to XXXX without my approval. when I tried to open my e-mail account someone has changed my password which I tried to reset so many times.I called Fifth Third Bank to let them know about this suspicious activities to find out that my account got hacked. Someone transferred {$2000.00} from my 5/3 bank credit card to my 5/3 checking account and then the money was sent to someone's XXXX account without my authorization.