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

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX  and a collections account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX with a balance of {$1900.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

PLEASE DELETE THE FOLLOWING ACCOUNTS AND INQUIRIES XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

Cash app is refusing to send me my {$8000.00} that is deposited into an old account. They keep saying it is a security reason on why they can not give me my money. I have given them my old email my old phone number. My cash tag name my ZIP Code and my pin to my old card and they still wont release my money into my new account.
Product: Student loan

I have a student loan that I took out in XX/XX/XXXX. I've been making payments on this loan for almost 10 years. The original loan balance was about {$7600.00}. My balance is now about {$5700.00}. I looked at my loan payment history at Navient and found out that in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and some of XX/XX/XXXX, my entire payment was applied to interest only. I talked to Navient today, and they told me that in XX/XX/XXXX, I signed a graduated repayment plan agreeing that my entire payment would go to interest only. I can't believe that it is legal to keep a person in debt this way. I want an adjustment on my outstanding balance with Navient to reflect that previous payments should have been divided between interest and principal.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit file I have come across information reported from Department of Education/XXXX that is incorrect. On XX/XX/XXXX I spoke with XXXX at XXXX Department of Education and was informed that all my accounts were current in the amount however an account in the amount XXXX and XXXX has never been late because it does mot exist.XXXX also stated that XXXX has not reported anything to either credit agency yet I have negative incorrect possible fraud accounts from there company listed.XXXX also informed me that it would be updated within 24 hours. On XX/XX/XXXX I spoke with XXXX and XXXX and they both informed me that these 2 account never existed however the ones that I do have are current and never been late. Yet all 3 credit reporting agencies are still reporting this inaccurate and based on XXXX and XXXX fraud info. I myself have never known about an account in the of XXXX and neither have I known of one in the amount {$6500.00} and I also know I HAVE NEVER EVER BEEN LATE ON ANY ACCOUNT THAT I MAY HAD. Please remove these accounts from my credit file immediately. As I have never ever been late on a student loan the loans I have are being paid on time and these loans do not exist or could be a result of identity theft as I have been a victim of.
Product: Debt collection

A debt collector reached out to me saying I owe XXXX in collections. It was took into my surprise on why that amount was that high. I was told that I owe past due rent & broken items in the apartment.
Product: Checking or savings account

Im writing to file a complaint against navy federal for multiple overdraft fees from XXXX until now. I feel like this is unfair
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert that I received an Hard inquiry from " XXXX XXXX  via INFORMATIVE RESEARCH '' XXXX XXXX XXXX XXXX XXXX, CA XXXX " XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I did not apply for any credit from any of the above companies, This inquiry was performed without my consistent or permission. I have not applied for any credit. This is a direct violation of my privacy and rights. There has not been any application or documents that I signed to authorize this inquiry.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act my rigthts have been violated. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I demand an update to my payment history to PAANL status ( Paid as Agreed, Never Late ) and supply a corrected credit profile to any creditors who have requested a copy of my credit report in the last 6 months.
Product: Debt collection

On XX/XX/2020 Informed by XXXX XXXX my credit score adjusted down due to a delinquent debt.  XXXX referred me to XXXX. on XX/XX/2020 Spoke with XXXX and refuted the debt. XXXX spoke with Monterey Collections asking for verification of appropriateness of the debt to me as well as providing proof to me of the debt. Monterey informed XXXX that the debt is indeed mine and valid. My SSN was not verified against this debt, since no information was provided as to the actual creditors SSN. The verification depended upon an address within my credit file that is not correct as a previous or current address. Upon my review of the documents provided by Monterey Collections ( received XX/XX/2020 ), I discovered that certain portions of the file were intentionally omitted. The missing documents pertained to a Preliminary Credit Rating Request Form, which would have indicated the SSN number of the actual debtor ( and I suspect it would also include the Driver 's License or Passport information of the actual debtor as well ). On XX/XX/2020, I have refiled a verification of the debt with XXXX attaching documentation demonstrating my inappropriateness of ownership of the debt. I have attached the letter I sent to XXXX for your documentation as to why this debt is not appropriate to me. I have edited the document to remove the names of family members I used to refute certain aspects of the contract provided by Monterey.
Product: Credit card or prepaid card

I have five cards with Comenity bank. Within two months, I noticed that Comenity was not reporting payments and balance history. I called Comenity, and they were having problems wiith their new software. Another month went by, no updates from Comenity bank. I had to put in a disputes with XXXX. In the month, Comenity updated my credit. 

Even though Comenity cant report my credit on a timely manner, they can ran a credit report. They sent me a letter said that has gotten worse. They reduced Victoria Secret and my Torrid by {$50.00}. 
A hurricane came into Florida, I had to handle things after storm. Because I did not pay XXXX XXXX credit s payment on time, they dropped my credit by {$100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the Credit Bureaus/Agencies XXXX XXXX and TransUnion ) and the Creditors ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately
Product: Debt collection

Was enrolled in classes for a semester that I did not authorize have been passed around by the financial office never recevied any letters regarding the debt, was tried to be placed in a payment plan for debt that was not owed, was sent to an agency without any notice
Product: Checking or savings account

Dear CFPB, I am submitting this complaint regarding the recent closure of my Discover Bank deposit account, without a clear explanation. I received a notice from Discover Bank that my account would be closed, and they stated it was after careful review and in accordance with the terms of the Deposit Account Agreement. However, they have declined to provide any specific reasons for the closure, citing it as a business decision. 

The email I received from Discover Bank outlined the following details regarding the closure : My account was suspended pending closure, and I am unable to access it through Discovers online Account Center or mobile app. 
Any incoming deposits will be returned, and any remaining funds will be mailed to my address within 10-15 days. 
I am instructed to make alternative arrangements for direct deposits and pre-authorized transfers, as I will no longer have access to my account. 

Despite my attempts to reach out to Discover Bank for further clarification, I was informed that they can not disclose any additional information regarding this decision. This lack of transparency and detail is concerning, as my account usage has been consistent with normal, routine transactions, and I have not engaged in any fraudulent or unusual activities that could justify such an action. 

I am seeking assistance in understanding the specific basis for Discover Banks decision and whether it aligns with applicable consumer protection laws. This unexpected closure has impacted my ability to manage my finances and has caused significant inconvenience. I kindly request that the CFPB help facilitate a more detailed response from Discover Bank regarding the rationale behind their actions. 

Thank you for your attention to this matter.
Product: Debt collection

Unknown Foreigner woman calling her XXXX saying Im on a recorded line asking to speak to me Illegally obtained my unlisted number
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there.

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : Navy Federal Credit Union - Account Number : XXXX Date Opened : The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : 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. 
This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information.
Product: Student loan

My credit score went down 48 point Bc i was being reported to the credit ppl 4 times this month for no reason say my payment increased
Product: Credit reporting, credit repair services, or other personal consumer reports

Knight Adjustment Bureau is reporting a debt on my credit file that I do not owe. I recently checked my credit file and noticed this debt is still reporting. I have consulted with the Attorney General of Utah and know that this debt is past the statute of Utah. Not only is it past the Statue, it is past the credit reporting limit. Reporting it past the credit reporting limit is a violation of the FCRA and this must be removed immediately. I am aware that your company has the ability to report this account to the credit bureaus as you deem necessary. Furthermore, you have the ability to remove any accounts since you are the furnisher. I do not owe this debt and am now asking for a deletion letter as you are in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Multiple unverified reports have 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 These are a list of HARD INQUIRIES that I have disputed with ALL three Credit bureaus. They have NOT sent me Proof of the alleged inquires that I was the sole source of the consent 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
Product: Credit card

This complaint relates to Bloomingdale 's order XXXX, placed on XX/XX/XXXX and paid for with my Bloomingdale 's credit card. 
XXXX of the packages from this order were routed to a XXXX XXXX for pickup, which I was unable to do. On XX/XX/XXXX, the packages were returned to sender ( Bloomingdale 's ) by XXXX. I never had either package in my possession. 

Bloomingdale 's refunded me for XXXX of the returned-to-sender packages, but not the second. The second package ( XXXX ) was returned to Bloomingdale 's on XX/XX/XXXX, evidently delivered to the return address Bloomingdale 's had entered on the shipping label on XX/XX/XXXX, and evidently rerouted somewhere else -- presumably at Bloomingdale 's direction -- on XX/XX/XXXX. There have been no further scans since XX/XX/XXXX. I can not file a claim for this package since I am not the shipper ; Bloomingdale 's is ( and since the tracking number indicates it was delivered back to the XXXX, Bloomingdale 's, on XX/XX/XXXX ). 

I have tried repeatedly to resolve this with Bloomingdale 's and their card issuer directly, but they still refuse to refund me for the item below, which again was never in my possession, and is corroborated as having been returned by XXXX to the sender ( Bloomingdale 's ). I am attaching the relevant tracking records evidencing this. The affected item is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Price : {$180.00} + tax ) https : //www.ups.com/track? XXXX & XXXX & requester=ST/trackdetails It is, of course, illegal to charge a consumer for merchandise they do not receive, which is exactly what Bloomingdale 's has done here. I must be reimbursed for the jeans AND ALL INTEREST ACCRUED for this merchandise I did not receive. Again, Bloomingdale 's needs to refund me the full item amount, including tax, plus all interest they have charged me on my Bloomingdale 's card since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unverified Account Account Name : XXXX XXXX XXXX Type : COLLECTION Date Opened : XX/XX/2018 Balance : {$1000.00} Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

HIPPA is the Health Insurance Portability and Accountability Act. This privacy rule mandates that personal medical information may not be shared unless there is permissible reason for doing so. HIPPA laws do not allow health care providers to share medical files without consent under a HIPPA release. HIPPA release only allows the sharing of medical files with other medical professionals, not 3rd party collectors. HIPPA extends to credit reporting agencies and collection agencies as well. 

XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Mortgage

1. Ocwen failed to provide for any principle reduction..
2. Ocwen failed to provide for the reduction of excessive and exorbitant fees that they have assessed.
3. I have provided Ocwen notice of errors in the statement of account they have provided, and they have neither fixed the errors or provided any explanation.
4. Ocwen is dual tracking me. After approving the trail modification with the payment scheduled for XXXX XXXX, they sent a notice of a foreclosure sale scheduled for XXXX XXXX. I believe this was a bad faith effort to manipulate me into signing a deficient modification offer that is out of compliance with the guidelines of the Federal Settlement they are bound to, and accepting a ballon payment of over {$500000.00}.
5. Ocwen has sent letters stating 3 different amounts as my payment. After sending their proposed modification payment amount they sent a new statement stating a payment that is 40 % higher. What is the payment going to be after the trial period?
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT LETTERS TO TRANSUNION, XXXX, AND XXXX  ON XX/XX/2020 DISPUTING INACCURATE AND INCOMPLETE INFORMATION THAT THEY ARE REPORTING ON MY CREDIT REPORT.I AM ASKING ASKING FOR THE VALIDITY OF EACH NEGATIVE ACCOUNT REPORTING AND I HAVE ATTACHED COPIES BELOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, XXXX submitted an inquiry to all 3 credit bureaus Experian, XXXX, and XXXX. The inquiry dropped consumer 's score 38 points, affecting consumer 's credit worthiness and accuracy. The inquiry is an error and inaccurate. During the time between XX/XX/XXXX and XX/XX/XXXX there was an application submitted to XXXX for updating the account to postpone payments putting the account in deferral status. The deferment began from XX/XX/XXXX to XX/XX/XXXX. This deferment also applies to any delinquency on the account and has been addressed with a separate forbearance. FCRA is a federal law enacted in XXXX to promote the accuracy, fairness, relevancy, and privacy of consumer information in the file of credit reporting agencies. As with any regulation it is important to ensure compliance with the law and regulations to avoid violations and liability. Consumer was not made aware in writing of any late fees or late payments. Nor was it made clear and conspicuous that there would be an inquiry made to consumer 's report that XXXX would flag accounts as 90 days past due. This is false misleading and deceptive practices. Consumer has never given any written or expressed consent EXPERIAN, XXXX, or XXXX of written instruction to furnish any information on my consumer reports which is a violation of 15 USC 1681b and 15 USC 1681 ( a ) ( 2 ) " Permissible purposes of consumer reports. The following accounts were never past due or late and should be listed in good standing as previous to consumer 's score dropping 38 points. Experian reports 2 accounts with XXXX as having 1 late payment, but then says its 90 days past due. These inquiries are completely inaccurate. XXXX made the late payment inquiry the same day they reapproved the deferment. The FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts. False representations or deceptive means. A debt collector must not use any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I review a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed an account that should be deleted from my credit report. This account is not reporting the same information on all three of the credit bureaus. Due to the fair credit reporting act By law, I have rights to dispute anything thats not accurate on my credit report. I would like this account deleted since it is not 100 percent accurate reporting to all three credit bureaus. I am sending this letter as another attempt to have these account deleted. Could you please delete the following account I also sent in a certified letter the tracking number is as followed : XXXX