23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/XXXX I picked up a XXXX XXXX XXXX XXXX XXXX in XXXX IL I did not have an insurance deductable after a XXXX and the company verified nothing was owed at pickup. 
on XX/XX/XXXX the main office of XXXX in Indiana started sending billing of {$340.00} with no explanation. 
I attempted calling the billing dept at XXXX XXXX XXXX, no answer, message was left. There had been no reply. 
XXXX continues to constantly send the bill through another company.
Product: Checking or savings account

Hi my name is XXXX XXXX and Im contacting you guys on behalf of my self and my problems with my accounts at citizens bank. 6 months ago my mother and I had got into a fight and because of the fight she transferred my XXXX dollars into her XXXX account, my mom then decided now that since it was time and since I was going to be moving out she transferred the money back to the account I have jointed with her and from there I transferred it into my new account that I just made recently in my new account I had XXXX something dollars in that account before I added what was left from my XXXX  dollars that I originally had that my mother had taken 6 months ago into my new account and the amount I had was XXXX. So I transferred the XXXX into my new account and now my funds are on hold because I called the bank many times and the representatives I had spoken too couldnt tell me much about my account and why I couldnt see the money but that my funds in total were there, since I had XXXX something in my new account when I added the XXXX that left me with XXXX I took XXXX out a couple days ago and I shouldve remained with XXXX but my XXXX  came in today and I transferred the funds into my new account because I didnt want my mother to steal my money and now my taxes are also on hold with the rest of my money. I was told by the representatives that my funds were under further review until the XXXX of this month and that I should receive a letter in the mail telling me how to continue and Im filling this complaint because my funds shouldnt be on hold because I did nothing wrong I have my bank statements and my pay stubs to prove that the money I had in my account were mine 6 months ago before my mother decided to take it from me and use it. I finally get the remainder of what I had back and now Im having troubles with my bank and the fact that they cant tell me why so Im just hoping and praying that you guys can give me answers were my bank couldnt and please help me so that I can use my money I have bills to pay and I cant wait till the XXXX of this month just to hope that my money will no longer be under review which I still dont know why its under review I really hope you guys can help me Ive never had any problems like this going on two years that Ive had citizens bank and now this is happening to me which i feel is wrong especially if I cant get a reason why from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized hard inquiries listed on my credit report on accordance with the Fair Credit Reporting Act ( FCRA ), Section 611. 

I have noticed several unauthorized hard inquiries that I did not authorize or initiate. These inquiries negatively impact my credit score and financial standing. ( Listed below ) XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

My Coinbase account was compromised. Ive filed numerous complaints with them to only receive an automated generic email. Its been about 2 months and I havnt heard an update or anything. After looking online this is a reoccurring thing with this company and their customer support is non existent. Its almost like theyre stealing your money when your account is compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

i filed a dispute in regards to the incorrect items on my credit report.It has been well over 30 days and I have not received any investigation results.
Product: Checking or savings account

Chase Bank illegally withdrew {$35.00} a month from my checkings account from XXXX XXXX XX/XX/year>. Chase switched my basic membership account to their private client account without my knowledge or consent and illegally withdrew $ XXXX  month. When i realized this was not the standard banking fee and is for private client they switched my account back and only refunded me for the past 12 months. They were not able to explain how/ who switched my account and report the are not able to refund me for the other year and a half of charges. I escalated it as far up the chain of command as i could and they all report they can not reimburse me more than the most recent 12 months although they wrongfully switched my account which I dont even qualify for and illegally took money from my account for XXXX XXXX years. Customer service reports they do not have a legal team i can follow up with either. Chase Robbed me of my money and say theres nothing i can do about it. Chase may need to be further investigated for a potential class action lawsuit as Im sure there are others this has happened to.
Product: Mortgage

Union Home Mortgage has not obeyed Cares Act agreement, my forbearance went into effect XX/XX/XXXX I was in current status. I have continued to stay in contact and ask numerous questions regarding my Mortage. I received a packet in XX/XX/XXXX and dropped it in a XXXX return center, I was told by Union home Mortage that they didn't receive it in XXXX and they would send new documents out, and to not worry about anything because I was under forbearance until the end of XX/XX/XXXX. When I didn't receive new documents I became worried and contacted them again and they said they would leave a message for the person I had spoke to. When no one called in XXXX XXXX became more worried about losing home and my family member offered to buy my home. Union Home Mortage called late XX/XX/XXXX and asked if I was selling and I stated I have no choice you never sent me paperwork to sign after you stated you didn't get the first set. Fast forward to XX/XX/XXXX. Union Home Mortage is stating they are now charging me interest, late fees, inspection fees etc because they did not receive my paperwork to come off of forbearance. Although I have emails showing confirmation stating I was in forbearance. Closing is suppose to be coming to complete and I received closing statement, where Union Home Mortage is charging these fees while I was in a government forbearance program.
Product: Debt collection

Letter was sent from a company that does not exist. Attempted to collect debt from a credit card I never had just so they get my info and steal my number. 
Northstar location services is a scam. Ive never had a XXXX XXXX that I owe money on. The letter was fake as is the company. People online have received similar letters and have commented on it as a scam also. The local address does not have record of the business existing there. Yet the financial service department is in New York. XXXX!
Product: Debt collection

On XX/XX/XXXX I filled a complaint demanding removal of this derogatory mark from my credit due to failure to notify and verification of this debt IM now submitting a new complaint as the mark still hasnt been removed nor has verification of this said debt been sent this is a complete violation of my rights as a consumer IM REQUESTING this mark from merchant credit guide be removed immediately from my credit or I will be moving forward with litigation surrounding this matter if it isnt handled expeditiously REMOVE ALL HISTORY AND ANY TRADE LINES SURROUNDING THIS UNVERIFIED ACCOUNT attached is my original complaint which still hasnt Been rectified! 


For the past XXXX weeks Ive received multiple hang up calls from a credit collection agency named merchant credit guide I never spoke with anyone regarding an account or bill untill I spoke with someone on Tuesday ( not regarding any account regarding the hang up calls ) after being hung up on and told them to stop calling me and hanging up as a consumer Im fully aware of my rights today XX/XX/XXXX I received a notification regarding my credit being hit with a derogatory mark and its from this company merchants credit guide I want this mark removed from my credit immediately as proper steps for notification and validation for this said debt has not been made prior to putting a derogatory mark on my credit IM the ALSO disputing the validity of the bill Im requesting a print out for whatever the said debt is if the mark isnt removed immediately I will be moving forward with litigation as this is a violation of my rights this debt is not mine Ive never even done business with this said company
Product: Credit card or prepaid card

On XX/XX/2019 I received an email from NETSPEND about a credit card being opened using my email address. 

I immediately wrote to NETSPEND to report the fraud. They have not responded. 

However today I received another email that the credit card is being shipped. 

I also received an email from XXXX saying that my email was used to register a device with them. I do not own any XX/XX/XXXX products. 

Last week XXXX told me that someone from South Carolina, USA was trying to login to my account but I blocked it. 

Please take action, I feel helpless.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit inquiries on my credit report from XXXX XXXX XXXX  dated XX/XX/XXXX and XX/XX/XXXX that I did not authorize.
Product: Money transfer, virtual currency, or money service

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred.Despite having sufficient funds when transactions were authorized.I was charged fees due to lagged posting of charges and credits.This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with in sufficient balances despite initially available funds.I believe these practices are unfair and request and investigation into my account transactions.
Product: Debt collection

Today I spoke with XXXX at around XXXX from the number XXXX XXXX XXXX. After identifying himself and stating that he was from portfolio recovery I told him that I didn't care to speak with him but she continued to talk. After reading off his usual spiel and me listening Patiently I told him that I was not interested in talking to him to send me letters through the mail as I had stated many times before. He ignored me and continue to harass me by stating that they were sending letters and I was ignoring them and I told him I had no time to talk to please send me letters and quit calling me. He continued to ignore me until I finally had to answer another incoming call as to where he was being harassing. They have been repeatedly calling me from different numbers with different prefixes like from XXXX area codes all hours of the day and I have to repeatedly block them. I have told them once before a while back to quit calling me with a XX/XX/XXXX debt but they will not cease calling me. This is a coronavirus pandemic and I am suffering from an underlying health condition and I do not want to talk to them about any debts right now I wish they would quit ignoring my wishes and quit calling me, being rude and obnoxious and quit ignoring federal guidelines.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the services provided by XXXX, XXXX, and TransUnion regarding the accuracy of my credit reports and the subscription fees being charged. 

Despite my efforts to ensure the accuracy of my credit reports, I have noticed that incorrect and outdated information remains uncorrected, even after multiple disputes and communications. This lack of resolution undermines the credibility of the credit reporting system and negatively impacts my financial standing. 

Additionally, I have subscribed to premium services offered by your organizations with the expectation that they would expedite corrections and provide meaningful updates. Unfortunately, I have experienced no tangible outcomes from these services, making the subscription fees seem unjustifiable.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, discovered numerous violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and other applicable U.S. laws, all of which require immediate correction and resolution. Specifically : Willful Noncompliance ( 15 U.S.C. 1681n ) : Credit reporting agencies accepted and reported inaccurate or unverifiable information about me without ensuring its accuracy, exposing them to civil liability for each violation.

Failure to Disclose Opt-Out Rights ( 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ) : They did not inform me of my right to opt out of having my personal information shared, violating my consumer rights.

Furnishing Deceptive Information ( 15 U.S.C. 1681s-2 ( a ) ( 3 ) ) : Incorrect inquiries and accounts were reported on my credit file without proper validation, including adherence to Generally Accepted Accounting Principles ( GAAP ).

Debt Collection Harassment and Misrepresentation ( 15 U.S.C. 1692d, 1692e, 1692f ) : Debt collectors inaccurately reported debts and accounts without my authorization, causing unnecessary distress. 

Unauthorized Third-Party Disclosures : My personal debt information was unlawfully disclosed to third-party agencies, violating restrictions on acquiring and sharing location and debt-related information. 

Deceptive Reporting of Late Payments : Entities inaccurately reported late payments without defining or verifying the criteria for such a designation, creating an inaccurate reflection of my creditworthiness. 

Failure to Accurately Determine Finance Charges : Credit reporting agencies failed to correctly calculate finance charges related to my accounts, violating their obligations.

Unauthorized Credit Reporting ( 15 U.S.C. 1681b ( a ) ( 2 ) ) : Hard inquiries and other reports were added to my credit file without obtaining my explicit consent, breaching permissible purposes for consumer reporting.

To address these violations, I have outlined specific actions required, including the removal of incorrect personal information, updating of accounts to reflect accurate payment histories, and validation of all alleged debts under 15 U.S.C. 1692g. Unauthorized hard inquiries and unverifiable accounts must also be deleted promptly. If compliance is not achieved, I am prepared to pursue all legal remedies available to me under the FCRA and related laws.
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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I have a FTC affidavit and a police report and XXXX, trans union will not remove the XXXX account from my file. It is not my account. I have for 6months now sent them my info and asked that they verify and they never do. Please help me get this taken care of
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my Federally Protected Consumer Rights to privacy and confidentially XXXX  Account Name # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

My report has incorrect information regarding my Employer. 

15 U.S.C 1681 section602A. States I have the right to privacy.

15 USC 1961 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with BRITE FINAN and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, BRITE FINAN and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 sec 602a states " there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy '' backed by 15 USC 6801. As an aggrieved man pulling the credit file, I noticed that WAKEFIELD & ASSOCIATES INC, account XXXX XXXX entity id XXXX XXXX its associates : " WAKEFIELD COLLECTIONS INC, Wakefield & ASSOCIATES LLC '' that's under colorado laws, has caused injury and violated XXXX XXXX XXXX consumer and privacy laws by reporting inaccurate, false and misleading information to XXXX, XXXX, AND XXXX ; and has not sent proper notice and caused tangible and intangible injury to the point credit can not be extended for personal and household use. the multiple violations include : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Copywritten Character 4. Violation of The Privacy Act of 1974 5. Violation of the FTC 6. Any and all injuries tangible and intangible sustained due to lack of following proper procedure
Product: Credit reporting or other personal consumer reports

I checked my credit report and it seems like the unauthorized inquiries are still there. Please do check the documents I've sent as it contains everything about how those inquiries are not mine.
Product: Debt collection

XX/XX/year> Dear MIDLAND CREDIT MANAGEM Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you, written un written verbal and nonverbal per 15 usc6802.
Product: Credit reporting or other personal consumer reports

XXXX has repeatedly misrepresented and falsely reported payment history. Information on my account with them to XXXX credit bureau experial entrancing credit bureau multiple times over the last twenty seven months. XXXX is engaging, and this deceptive credit practices in violation with FDCPA and is deliberately sabotaging my credit score blatantly misrepresenting current payments as late progress made with positive reporting of my payment history. It has repeatedly reported changes to payments received in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. Please investigate XXXX credit reporting practice as they are deliberately causing irreparable harm to my credit. Furthermore the payments on XXXX website were on time and in deferment.
Product: Debt collection

On XX/XX/XXXX ENHANCED RECOVERY COMPANY, address XXXX XXXX XXXX XXXX XXXX, FL XXXX phone number ( XXXX ) XXXX placed a collection of of {$250.00} on my XXXX credit report. I have never received any correspondence prior to this being placed on my credit report and it is not my debt. I requested this be removed. 

ENHANCED RECOVERY COMPAN # XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$250.00} Date Updated : XX/XX/XXXX Original Amount : {$250.00} Original Creditor : XXXX XXXX XXXX Past Due : > $ XXXX Pay Status : >In Collection< Page 7 of 29 Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX The following accounts are reported with no adverse information. For your protection, your account numbers have been partially masked, and in some cases scrambled. Please note : Accounts are reported as " Current ; Paid or paying as agreed '' if paid within 30 days of the due date. Accounts reported as Current may still incur late fees or interest charges if not paid
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

After closely reviewing my credit reports, I have established that Wells Fargo Auto ( WFDS ) is reporting inaccurate information regarding the account listed in the attachments. Dates, balances, etc are inconsistent across the 3 major credit report agencies. 

On XX/XX/2022, I sent a letter putting WFDS a notice that they are furnishing inaccurate information. They are in violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) and 15 U.S. Code 1681s-2 ( a ) ( b ) ( i ) ( ii ) which mean they can not report these account any longer. All information has to be validated, verified and reported accurately.