23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I am caught in a very frustrating wormhole.My wife and I have gone to the branch, four times ; I spoke to a representative at consumerfinance.gov ( XXXX ) for about an hour and a half and told her my WHOLE STORY. She assured me that a rep would call me with a resolution. I filled out a survey ; XXXX XXXX left a voicemail but upon returning the call, I got XXXX XXXX, who told me a lot of nothing. MY PROBLEM is that the branch at BoA XXXX XXXX drilled my safe deposit box and is holding my contents. They have provided no reasons ; no explanation as to why this was done. All of the answers I get is what should have happened ; that the bank sent out several compliance notices and that I failed to answer them. I asked what information could they possibly have been requesting ; everyone speculated that it could have been a missing social security number or address or phone number. I 've had that safe deposit box at XXXX XXXX since XX/XX/XXXX ; prior to that I had one at the XXXX XXXX branch. I 've had that box here in XXXX XXXX over 30 years. I added my wife XX/XX/XXXX, the year we were married. We were asked to come into the branch about XX/XX/XXXX, XX/XX/XXXX and to this day, I do n't understand the info they were requesting. The branch asked us to return to the branch and we did again, in the same week. The so-called information we submitted those two times in the same week was the EXACT SAME information we submitted XX/XX/XXXX. I received NO letters, emails, nothing EXCEPT a letter stating that the box had been drilled. To this day, in speaking to the branch, in speaking to XXXX for over an hour ; in speaking to XXXX XXXX and ANOTHER rep at consumerfinance.gov, I still have not retrieved my belongings from BofA and no one has given me a real, true, concrete reason as to why the box was drilled. I know what the problem is : no one at BofA knows the reason the box was drilled ; there is only wild speculation as to what " should have happened '' and " notices would have been sent out requesting various information '' but the fact that the box was drilled, there had to have been a serious, egregious issue, to which, no one has offered one scintilla of comprehensive facts as to the reason the box was drilled. What I am advised now is to go back into the branch and request that they give me my belongings. That 's where all this confusion started.
Product: Credit reporting or other personal consumer reports

I first noticed charges totaling around {$3300.00} in XX/XX/XXXX, with XXXX separate accounts, all names 'Portfolio Recovery, ' dating back to XX/XX/XXXX. 

After learning about the XXXX data breach, I realized my personal information was compromised, and fraudulent accounts or activity may have been generated as a result, explaining the aforementioned accounts.
Product: Debt collection

On XX/XX/XXXX, I entered a consumer credit transaction for a car. This company has violated many of my rights as a federally protected consumer under Title 15 Chapter 41. According to 15 USC 1692g, Validation of Debts, this company failed to put in the initial communication ( contract ), the five ( 5 ) contents of debt listed in in the law, and they failed to send me a written notice with any of the following contents within 5 days. Only other reason they would fail to do this is if the debt was paid for. My failure to dispute the validity of the debt can not be misconstrued as admission of liabilty of the debt but allows the debt collector to assume its valid and I understand this. Therefore I disputed the debt with my Debt Validation letter that I sent the on XX/XX/XXXX, certified mail with a return reciept through mail. Certified Mail Reciept # XXXX. Return Reciept # XXXX. Along with this letter, I sent a Cease and Desist letter requesting them to zero out the balance on the account, to grant me my title lien free, to pay the attached invoice, and deletion from all consumer reports, and other important imformation ; an Invoice for {$21000.00} for 10 violations of my rights as a federally protected consumer. This price included {$10000.00} for they are liable to pay me, according to 15 usc 1692k, civil liabilty and the {$11000.00} was for the amount of money they've collected from me over this alleged debt, that if a debt is disputed, they must return all payments pursuant to XXXX5 USC 1692h, multiple debts ; and an Affidavit of Truth signed and notarized, stating violations as facts and sent proof along with it to state my claim. No where in the contract does it give this company permission to furnish credit information on my behalf, which is FRAUD. " Fraud vititates the most solemn contracts, documents, and even judgements. '' [ U.S. vs. Throckmorton, 98 US 61 ]. The company also continued to contact me and report credit information on my behalf after recieving my documents on XX/XX/XXXX. The company responed to me on XXXX XXXX, XXXX and I recieved the letter on XXXX XXXX, XXXX with a copy of my contract, a chart of all may " late payments '' and a statement telling me that they are required to report my credit information and can not removed them.
Product: Mortgage

I keep getting soliciting texts on my personal cell phone from Tel : XXXX and they send me this video Link : XXXX
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 reporting, credit repair services, or other personal consumer reports

I received a response from LCI dated XX/XX/22 in regards to an alleged bankruptcy record. LCI stated that " FCRA does not require a furnisher to obtain a consumer 's permission to share publicly available information with CRAs ''. However ; this claim is false in accordance with 15 U.S. Code 1681b ( 2 ) which requires " Written instructions of the consumer to whom it relates ''. In this case LCI used " Non-public personal information '' to obtain an alleged record from XXXX. While the law does allow you to obtain the record, it prohibits the transfer, or sharing of this information to a " Consumer 's Report '' without " Permissible Purpose ''. I am requesting that LCI provide me in writing the " Permissible Purpose '' for which it shared such information using my " Personal Information '' to TransUnion. I did not give LCI written instructions to transfer this alleged record to TransUnion for reporting to my consumer report. Secondly, as the " Data Furnisher '' I am requesting in accordance with 15 U.S. Code 1681i investigation for the " Completeness and Accuracy '' of this alleged record. If LCI contests the statement from The Deputy In Charge XXXX XXXX of The United States Bankruptcy Court ( Page 7 ) who has certified that the courts " Do not report filings to CRAs/Data Furnishers '' , please do so in writing. Please be advised that XXXX  is " Contestable '' and can not be used as the " Validating Source ''. Nor can it certify the " Completeness and Accuracy '' of a record. I am requesting that LCI ( Data Furnisher ) sends all relevant information to the courts regarding my dispute and provide me in writing of the courts " Validating '' response. Lastly, in accordance with 15 U.S. Code 1681i ( 6 ) ( a ) ( iii ) I am demanding the description of the procedure used to determine the " Completeness and Accuracy '' of this record. Please provide me the Name, Address, and Phone number of the agency you contacted. Please note that TransUnion has already certified on page ( 2 ) of this dispute that " XXXX '' was used to verify this record, which violates 15 U.S. Code 1681i.
Product: Prepaid card

Once again, as with several times in the past, Netspend is not releasing 2 overdraft fees placed on my account. This time though, the customer service representative who responded to my message, named XXXX, informed me that they will not release the fees, even though the negative balances causing my account to be overdrawn were covered within the 24 time period, as always. I took screenshots of everything to prove this. At XXXXXXXX XXXX on XX/XX/XXXX, My account was overdrawn by {$81.00} due to an {$84.00} transaction. At XXXX XXXX the following morning, XX/XX/XXXX, My account was brought to {$540.00} due to a {$620.00} transfer from my savings. On XX/XX/XXXX at XXXX XXXX, My account was {$30.00} overdrawn due to a {$14.00} purchase from XXXX. Later that day on XX/XX/XXXX at XXXX XXXX, My account was brought to {$0.00} after a {$31.00} transfer from savings. As you can plainly see, I absolutely covered both negative balances well within a 24 hour time period. I also took screenshots of the representatives message to me, Informing me that he refuses to release the overdraft fees. This is again, completely unacceptable. Although this time the representative outright refuses to release the charges. I want those overdraft fees released.
Product: Mortgage

In XX/XX/XXXX, we received an escrow shortage billing in the amount of {$4300.00} from our new mortgage company, Specialized Loan Servicing ( SLS ). Under the " Estimated Escrow Payments Over the Next 12 Months '' section, we noticed SLS charged county taxes twice for XX/XX/XXXX and XX/XX/XXXX, {$2300.00} ( listed twice for both months ). OnXX/XX/XXXX, a certified mail was sent to SLS to their Notices of Error and Request for Information at XXXX XXXX XXXX XXXX, CO XXXX. We received a letter stating they received our letter and was being worked on. As of today, XX/XX/XXXX, there has been no resolution to our problem. It has been verbally acknowledged numerous times by telephone with their reps that the error we pointed out in their part is correct but fixing the problem has been delayed numerous times. We have made many numerous phone calls asking for updates and an immediate answer. Our XX/XX/XXXX statement shows we owe {$750.00} more than what we originally pay a month, an outrageous amount of difference.
Product: Mortgage

Refinance Fraud, Loan Modification Fraud, and Insurance Packing letter sent requesting info XX/XX/2021 mortgage loan research XXXX XX/XX/2021 XXXX XXXX {$15000.00} BSI Financial Services {$17000.00} XXXX XXXX XXXX XXXX amount due unknown XXXX XXXX XXXX XXXX amount due to unknown flooding my mailbox with mail and uncertified threats no notice letters for loan transfers
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to report Identity Theft that has been going on for years without my knowledge. I never knew much about credit or cared to use it until recently. Now that I'm looking to build my credit I've noticed several things on my report that I have never opened up or authorized. I did lose my wallet back in XXXX. I had my drivers license along with my social security card in my wallet. Someone has been using my identity without me knowing. I never opened an 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. Ive sent in disputes for these items before. Ive went to the XXXX Police Department in Michigan to get police reports made of the theft and Ive also filed FTC reports as well which are both attached below. These last accounts have yet to come off.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally file a complaint regarding concerns with the accuracy, access, and potential mishandling of my credit report information. I have reviewed my credit reports from TransUnion, Experian, and Equifax, and there are several discrepancies and issues that I need assistance resolving. 
Below is a summary of the information I have reviewed and the concerns I would like to address : XXXX. Discrepancies in Credit Report Data transunion : Total Accounts : XXXX Open Accounts : XXXX Closed Accounts : XXXX Delinquent Accounts : XXXX Derogatory Marks : XXXX Collection Accounts : XXXX Balances : {$5700.00} Public Records : XXXX Inquiries ( 2 years ) : XXXX experian : Total Accounts : XXXX Open Accounts : XXXX Closed Accounts : XXXX Delinquent Accounts : XXXX Derogatory Marks : XXXX Collection Accounts : XXXX Balances : {$6700.00} Public Records : XXXX Inquiries ( 2 years ) : XXXX Equifax : Total Accounts : XXXX Open Accounts : XXXX Closed Accounts : XXXX Delinquent Accounts : XXXX Derogatory Marks : XXXX Collection Accounts : XXXX I am concerned about the following : Inconsistent Information Across Bureaus : The data reported by TransUnion, Experian, and Equifax is inconsistent, particularly regarding the number of delinquent accounts, derogatory marks, collection accounts, and public records.

Possible Errors in Reporting : The number of derogatory marks and public records.

reported by each bureau seems unusually high and may include inaccurate or outdated information. Unfamiliar Accounts or Inquiries : There are several accounts and inquiries listed that I do not recognize or recall authorizing. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and complete information on my credit report. The discrepancies and potential inaccuracies outlined above may indicate violations of the FCRA, including : Reporting of inaccurate or outdated information. Failure to properly investigate disputes or verify the accuracy of information. Unauthorized access to my credit report, as I do not recognize some of the inquiries listed.

3. Concerns About Data Handling I am also concerned that my credit information may not have been properly safeguarded by the credit bureaus or the credit monitoring service I am using. If my data was mishandled or accessed without authorization, it could constitute a violation of privacy laws, such as the Gramm-Leach-Bliley Act ( GLBA ) or other applicable regulations.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 XXXX XXXX  on XX/XX/XXXX under the account XXXX ( private ), a furniture loan account opened at XXXX XXXX opened on XX/XX/XXXX XXXX ( private ) XXXX XXXX XXXX XXXXpened on XX/XX/XXXX under account XXXX ( private ) Telecommunication accounts opened for XXXX XXXX  on XX/XX/XXXX under the account XXXX ( private ) and XXXX XXXX XXXX on XX/XX/XXXX under the account XXXX ( private ), for insurance XXXX  on XX/XX/XXXX under the account XXXX ( private ) XXXX XXXX  opened on XX/XX/XXXX under the account XXXX ( private ) and XXXX XXXX XXXX XXXX opened on XX/XX/XXXX under the account XXXX ( private ). Personal installment account opened at XXXX XXXX opened on XX/XX/XXXX under the account XXXX ( private ) and XXXX XXXX XXXX opened on XX/XX/XXXX under account XXXX. For apartment at XXXX XXXX  XXXX XXXX  on XX/XX/XXXX under account XXXX ( private ) and XXXX XXXX  at XXXX XXXX XXXX  on XX/XX/XXXX under account XXXX ( private ), Pay loan for XXXX XXXXh opened XXXX XXXX under account XXXX and the XXXX XXXX  on XX/XX/XXXX under account XXXX that appears related to the aforementioned personal loan account opened. 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 # XXXX 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, credit repair services, or other personal consumer reports

I have filled a dispute in regards to the incorrect items on my XXXX  credit report. It had been well over 30 days and i haven't received any investigation results
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX. I have never done business with XXXX XXXXXXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXXXXXXXXXX XXXX. I have the right to demand and see the contract between XXXX XXXXXXXX XXXX and myself! Please send the proper validation
Product: Debt collection

XXXX XXXX Amount : XXXX $ I received a call and told the company I cant afford to pay it because I have a lot going on.
Product: Checking or savings account

XXXX XXXX XXXX Im emailing you regarding a XXXX XXXX dollar compensation that bank of America was supposed to sent me For a fraud back in XXXX through XXXX, I was unsuccessful and I was avail to get some help with a lawyer unfortunately lawyer was XXXX to get the money but bank of America was not willing to accept the refund so were emailing you to know the next steps from here, I have the date of an appointment I had with a banker showing the money was accepted but no money yet.
Product: Debt collection

The debt was passed to the collection agency corresponding to this complaint without notice from rental property the debt allegedly originated from. After my attorney contacted the rental property, the debt was dropped due to its erroneous nature. I contacted the collection agency by phone to advise them the collection was being dropped. The rental property sent an email that day to the collection agency, with me copied on it, stating that the debt was cleared and the account should be closed. The following day I checked the collection agency 's website ( www.nationalcreditsystems.com ) and noticed the original amount was still listed as owed. I contacted them via email, and was told that the website did n't update daily. However, two weeks have passed since this communication, but the website still shows the balance as owed. Although I have received an email communication from the collection agency stating that the account was closed, I 'm concerned with the fact that the website still shows a balance owed, and all subsequent attempts to contact them have been ignored. I 'm only able to speak to an agent, who consistently advises that she is not associated with the website and knows nothing about how it 's operated. I ask to speak to someone who is knowledgeable about the website, but I 'm told she does n't have access to those people. I have asked XXXX separate times to speak with a supervisor. Each time I was placed on hold for over 20 minutes with no answer. Each time I had to hang up while on hold due to other obligations. My phone calls have never been returned. I sent an email on XXXX/XXXX/2016, but did not receive a response.
Product: Debt collection

I reported that i had lost my wallet at a basketball game a few years as of recently ive been receiving calls about a debt for around {$1500.00} from a midland credit company i have no idea what this company is and what this debt it
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this to equifax because of identity compromised. I want these accounts removed. Attached is the FTC report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation regarding the Equifax data breach that occurred, which exposed the personal and financial information of approximately XXXX XXXX individuals, including mine. As an affected individual, I am deeply concerned about the ongoing negative impact this breach has had on my financial standing and credit profile. 

Since this breach, I have experienced several negative consequences, including but not limited to : Potential Identity Theft : Unauthorized activity has been flagged on my financial accounts, which I believe is a direct result of the breach.

Negative Credit Score Impact : My credit score has been negatively affected due to erroneous or fraudulent entries on my credit report, which I believe stemmed from the exposed data.

Emotional Distress : The fear of financial instability and the ongoing need to monitor my credit and identity have caused significant stress.

Equifax failed in its responsibility to safeguard consumers ' data, which violates several consumer protection laws and regulations, including but not limited to the Fair Credit Reporting Act ( FCRA ). Furthermore, I believe Equifax failed to provide adequate remedies to fully address the harm caused to affected consumers like me.

I am requesting the CFPB to : Investigate Equifax 's Actions : Ensure that they complied with all legal requirements related to data security and consumer protection.

Monitor Remedies : Ensure Equifax is held accountable for adequately compensating affected individuals and providing ongoing credit monitoring and identity restoration services.

Facilitate Resolution : Address the errors on my credit report and work with Equifax to provide a resolution that restores my credit score and financial standing.

This matter requires immediate attention to ensure that consumers are protected from future harm. I am attaching all relevant documentation, including evidence of my inclusion in the breach, credit reports, and records of any unauthorized activity.

Thank you for your time and attention to this critical issue.
Product: Mortgage

We have a mortgage through PennyMac. My husband has not worked for 5 years now and he is not really able to work now because of health issues. He called PennyMac and asked them about removing the PMI from our loan to lower the payment. In the conversation, the person he was speaking to told him that he would be better off if he missed a payment, that way he would qualify for some of the new programs that help people who are behind in the payments. So we talked about it and decided to do that and then we used the money to pay some utility bills that were in arrears. Then they told us that we did n't qualify for any of the new programs and started being very aggressive about collecting the payment that we missed. Now, each month, they show that we are 30 days late on our payment. That 's 4 months that we have on my husband 's credit that shows we are 30 days late on the mortgage which makes it so that we ca n't do a VA loan to get the PMI off our payment. This month they sent us a letter saying they were going to foreclose because of the missed payment. My husband told them he only missed it because they told him to miss it but they said " No, we would never have told you that. '' We do not have the money to make up the late payment, but there should be someway they could put that payment on the end of our mortgage and remove the 30 days late notices they 've been putting on our credit so that maybe we could refinance and pay some of our bills and still have a mortgage payment we can afford.