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

I am writing to formally notify you that I am a victim of a data breach, which has resulted in fraudulent accounts appearing on my credit report. As a result, I am requesting that the following accounts be blocked and deleted from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as these accounts were opened or accessed without my consent. 
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: Debt collection

Debt Validation Letter mailed to Halsted XX/XX/2024. 
Under 15USC1692 ( e ) and 15USC1692 ( f ) evidence of authorization to seek any claim on me, The Living Woman/Living Witness to the legal name fraud, was not met. ( Please see all attached documentation : copy of signed and notarized in Truth debt validation letter as well as reply correspondence failing to provided requested Proof of Debt Validation ). 

NO CONSENT NO CONTRACT. 
Again, kindly provide me with a Valid Contract including : Full, Honest Disclosure Equal Consideration for both parties TWO wet ink human signatures - digital signatures are null & void.

Halsted Financial also continues to contact me using various 5-digit numbers claiming I owe this debt on my personal phone causing emotional and mental distress. I have opted out several times, stated Cease and Desist in Letter form, while they have continued to contact me from different numbers. ( Please see attached photographic proof ).

YOU HAVE 10 CALENDAR DAYS TO DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS. Failure to do so will result in legal action for consumer law violation under 15 USC 1681n, 15 USC 1681o and 15 USC 1692k. DELETE THE FOLLOWING ACCOUNT FROM YOUR RECORDS AND ALL CONSUMER REPORTING AGENCIES. Failure to respond satisfactory with deletion of the above referenced account and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which i will also be seeking { {$1000.00} } per violation for : Defamation of Character Negligent enablement of identity fraud Fair debt collections practices act 15 USC 1692g violations Fair credit reporting act 15 USC 1681 violations for willful noncompliance 616 civil liability for willful noncompliance [ 15 U.S.C 1681n ]
Product: Mortgage

I have my mortgage with Ocwen Loan Servicing and have sent them several requests via phone, mail and email inquiring about the fees assessed on my mortgage account. In particular, they are charging me {$20.00} fees sometimes twice a month for " Inspections ''. When I called them they said these are late fees ( but my account is current ). My account is not delinquent and it seems outrageous to me that they would be charging me a fee for something they have no reason to do even though no one has ever come to my home to inspect anything from Ocwen or anywhere else for that matter. I have also asked them to provide me with a breakdown of the fees that total {$1000.00} and I have yet to receive any type of response whatsoever from them. I am asking that someone look into this matter because I am most certain I am not the only Ocwen customer this is happening to. Thank you!
Product: Credit reporting

Equifax sent me an email offering a reduced price for a 30 day subscription. When I tried to sign up for the subscription, the transaction was charged to my debit card, but Equifax sent me a message saying they could not complete the order. I called Equifax about the problem and the customer service representative informed me that I was trying to sign up for a 3 in 1 offer that was being offered by XXXX of the other credit bureaus. but that Equifax would not honor it any longer because I have a freeze on my account. I informed the representative that I never placed a freeze on my credit report and that the offer was from Equifax not a 3 in 1 deal with the other XXXX credit agencies. After about 5 minutes of a combative conversation with the representative I asked the rep if he would refund my money they charged. The representative informed me that Equifax had not charged my card and that he did n't know who had charged my account. 

I received an email confirming the order from Equifax and the charge on my card said Equifax along with their XXXX number. My worry is that Equifax is false advertising it 's products to consumers and not wanting to honor their specials. I asked the representative who I could talk to about the freeze on my credit report and he told me that he did n't know.
Product: Debt collection

XXXX XXXX {$760.00} company name general revenue corporation collection not my debt do not belong me wish it be remove asap
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 confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX Account status Closed XXXX XXXX XXXX  - ACCOUNT XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Auto Financing Companies XXXX XXXX XXXX Credit Bureaus XXXX XXXX XXXX XXXX Automobile Dealers XXXX XXXX XXXX XXXX Auto Financing Companies XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX Auto Financing Companies XXXX XXXX Automobile Dealers , XXXX XXXX XXXX XXXX XXXX Auto Financing Companies XXXX XXXXXXXX XXXX Credit Cards XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XXXX XXXX XXXX Finance Companies - non specific XXXX Bank Credit Cards XXXX XXXX XXXX Financing Companies XXXX XXXX  Automobile Dealers , XXXX XXXX XXXX XXXX XXXXXXXX Bank Credit Cards XXXX Bank Credit Cards XXXX XXXX XXXX  Auto Financing Companies XXXX XXXXXXXX XXXX XXXX Bank Credit Cards XXXX XXXX Auto Financing Companies XXXX XXXX Automobile Dealers , XXXX XXXX XXXXXXXX XXXX  Bank Credit Cards XXXX XXXX Bank Credit Cards XXXX XXXX XXXX XXXX Auto Financing Companies XXXX XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing Companies XXXX XXXX XXXX XXXX Auto Financing Companies XXXX XXXX Auto Financing Companies XXXX XXXX Bank Credit Cards XXXX XXXX XXXX Automobile Dealers , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Credit Cards US SM BUS ADMIN ODA Federal Government XXXX XXXX XXXX Auto Financing Companies XXXX XXXX  Automobile Dealers, Used XXXX XXXX XXXX Automobile Dealers XXXX XXXX XXXX XXXX Bank Credit Cards XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Automobile Dealers, Used XXXX XXXX XXXX Automobile Dealers , XXXX XXXXXXXXXXXX XXXX XXXX Bank Credit Cards XXXX XXXX  Automobile Dealers XXXX XXXX XXXX XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX Automobile Dealers XXXX XXXX XXXXXXXX XXXX XXXX XXXX  All Banks - non specific XXXX XXXX XXXX XXXX Credit Unions 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 information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These following companys have reported hard inquires on my account, i do not recognize these companies and they should not be on my report. I have also spoken with XXXXXXXX XXXX  for XXXX XX/XX/XXXX the account is closed, but that is not true i have spoken with the company and the account is open and i am making payments on that account. XXXX XXXX XXXX for XXXX XX/XX/XXXX, XXXX settled and the account should not be appearing on my account anymore as well
Product: Student loan

I have XXXX student loans through the college that I attended. I applied for deferment for the student loans in the past a reapplied once I received notification that my deferment was over on XXXX/XXXX/2016. I found out that I would not be eligible for deferment again but I would need to pay interest accrued during my deferment on XXXX plus my monthly payment arrangement. I called the office on XXXX to see if I could apply the accrued interest into my monthly payment and then was told yes. I asked if this meant my accounts would not be reported to the credit bureaus as past due and was told no. I found out after the fact of making that monthly payment arrangement that my accounts were reported as past due. I called and they listened to the tapes and emailed me stating that I was given wrong information but my accounts were past due so the reporting would stay. I asked if I made payment that day would I be able to reverse the reporting since I was told I did n't need to make the payment for the interest and was told no. Then, today I was emailed that if I do not catch up the past due I would be sent to collections. I then went online to make payment but my balance went up over $ XXXX. I called and was told " after review, my deferment should have been up on XXXX account in XXXX and the other XXXX '' So, therefor they have back billed me for time that I was told I was under deferment and have charged me another $ XXXX that has to be paid by the XXXX or I will be sent to collections. Also, they reported my account as over 180 days past due to the bureaus when my bill for the accrued interest was due on XXXX. They said that was because the interest accrued for the time I was in deferment. I never received anything that stated if I do not pay the accrued interest after my deferment I would be past due the whole time of my deferment. I have been mislead multiple times and I feel as though I am trying to make this right but I keep getting more and more charges or problems each time any communication is received by them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX BANK XXXX XXXX account # xxxxxxxxxxxx XXXX, XXXX BANK XXXX account # xxxxxx XXXX, XXXX account # xxxxxxxxxxxx XXXX, XXXX XXXX XXXX XXXX account # xxxxxxxx XXXX, XXXX XXXX XXXX account # xxxxxxxxxxxxxxxx XXXX, XXXX XXXXXXXX XXXX XXXX account # xxxxx XXXX, 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding. the account is accurate, without providing any evidence of a thorough investigation :.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit Card resold by XXXX XXXX provided me with a statement on a XXXX balance account where they are charging me a {$99.00} annual fee and {$1.00} in interest. On XX/XX/17 I called the company and asked them to waive the fee and to cancel my card. They refuse to waive their annual fee on a card I do n't use and they are charging me interest on their fee. This is a UDAP issue.
Product: Checking or savings account

On XX/XX/2019 I had problems accessing my online banking I had notice that my password and username was changed numerous times and I contacted the bank of America coustmer service due to my checking and savings account showing a over drafted balance and I don't understand that my checking account and savings account was at a negative balance if in my savings account I had {$2600.00} balance and my checking account had a {$840.00} remaining balance but Bank of America coustmer service transferred me to the fraudulent department and they was supposed to dispute the charges and send me new debit card and due to my vehicle be stolen and my personal laptop was in the vehicle all my online banking was in my laptop and whoever stole my vehicle had access to my on line banking and cleaned my accounts out and stole my wallet so I was able to I was waiting for a debit card and never received one but I deposited a check into my account since I'm my brothers payee and they told me I have to add my brother on bring in two verification forms showing identity so I went in with my relative Brother XXXX XXXX and since I didn't have valid Identification Card ( ID ) the lady that was speaking to me told me come back when I get my identification card ( ID ) so time pass and I come showing a paper that I applied at Department Motor vehicles for renewal of my Identification Card ( ID ) and I was told my account was being closed my checking account and savings account I ask representative for what reason they said because I didn't add my relative on my account on time so practically I never was refunded my remaining balance that was in my checking account and savings account and I feel that that's not right and they lady told me that both accounts had no funds that on my online banking money was transferred I'm like how I was told no one can touched my online banking savings account and checking account unless we go into the branch office and show proof of identification card ( ID ) so I feel I was treated unfairly and want to know why both my checking account and savings account was closed and I never got my money savings account {$2600.00} and checking account {$840.00} and I will let social media know how I was not treated unfairly and to not trust bank of America because for me trusting bank of America my accounts was left at a negative overdraft balance and my funds was removed online and bank of America did not protected my accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX  XXXX XXXX  ( CLOSED ) XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XXXX SHOWS 30 PAST DUE. 
XX/XX/XXXX PLEASE REMOVE THIS ERROR XXXX XXXX XXXX XXXX DOB XXXX XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I paid about 90 % of the " New Balance '' on my Bank of America VISA statement, dated XX/XX/XXXX. On the next statement dated XX/XX/XXXX, I paid the balance in full, before the due date, including the finance charge from the previous month. When I received the next statement dated XX/XX/XXXX, there was another finance charge, even though I had paid the previous balance in full. I called B of A customer service, XXXX, and asked for an explanation. They said the second finance charge ( on the XXXX statement ) was a " residual '' finance charge left over from the previous month, and that I have to pay the full balance TWO MONTHS IN A ROW to make the finance charge stop. I told the customer service rep that I don't think that's the correct way to assess finance charges. When I pay the balance in full, the finance charge should stop with that payment. She insisted their method was correct. 

Admittedly, the amount of this particular finance charge is small. I'm not complaining about the amount. I'm complaining because they charged it after the balance was paid in full. If they do that every time someone has a residual balance and then pays in full, I think they are charging an extra month 's interest to which they are not entitled. 

I can provide copies of the statements, if desired.
Product: Checking or savings account

This is a recurring problem. 
- ACH and DEPOSIT on the same day before XXXX - Bank does not allow you to deposit in app if the account is overdrawn. Example - Account overdrawn and you try to make a deposit in app - you can not. 
- Drive to bank and make deposit, all within hours of overdraw occurrence and you see the bank fee charge the next day.

- In app message, online message requesting refund - no response.

Complaint 2.

- Told would receive requested letter to forward to vendor within 3-4 weeks. No letter has been received. Did not receive debit card in time to change bill pay wallet information. Vendor charged fees. Vendor is willing to waive charges upon receipt of bank letter that the replacement debit card did not arrive in time to bank customer.

Changing banks is a slow process.
Product: Debt collection

I will respond to XXXX XXXX XXXX correspondence dated XXXX XXXX, 2017. That was sent to your offices and forwarded to me. I demand they cease and Desist Collection activities. They have no legal right to file any motions or collect any funds for these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going back and forth with this Company Transunion about removing a Bankruptcy on my credit report that is not accurate or belongs to me. They keep stating that it is verified by XXXX and the court system and I have already submitted documentation from both sources that state they did not verify that information with them. I just recently sent them a letter stating that per the fair credit reporting act they have to submit me proof and documentation with my signature or any contracts that indicated this account is mine. They then indicated that the letter was not acceptable but then I called and spoke with a Supervisor that stated he was going to submit the dispute for me over the phone indicating that I need written documentation showing proof that this account belongs to me. By law they are suppose to submit that information to me within 30 days of my dispute and if they do not then they have to remove it.
Product: Consumer Loan

I received 96 month fixed term loan from Bank of America. Made XXXX payment XX/XX/XXXX. Made last payment XX/XX/XXXX. I have made XXXX consecutive payments of amount due and have not missed XXXX payment. I have paid more than amount due totaling {$990.00} and overpaid by XXXX payment ( {$440.00} XXXX. B of A says I still owe them {$6500.00}. How can I owe them, if I followed terms of loan? I wrote them back XX/XX/XXXX and letter came back undeliverable. I was concerned then that my balance was not going down. I filed complaint with you and received response from B of A XX/XX/XXXX. Letter said fixed term loan for 96 months. I do not owe them and I do n't want them to ruin my credit. If anything they owe me for overpayments I made. How can I get this corrected?
Product: Debt collection

I just found out that my credit card with Capital Accounts was put on collections without my knowledge. I request this account to be removed and the harassment calls to stop immediately. I never received any notice or last bill from the medical institution and know this bill is under collection.
Product: Checking or savings account

On XX/XX/year> at approximately XXXX ( XXXX ), I received an email from Capital One informing me that my XXXX checking account was " permanently restricted '' due to an overdraft ( less than {$3.00} ) that had reached their maximum of 52 days. This was also the date that my SS check was auto-deposited to that account, but likely after midnight, as it has been for the past XXXX years. SS is my only source of income and I have also become XXXX and unable to work, which I have explained to Capital One many times. I called Capital One the morning of XX/XX/XXXX to request the restriction be removed as I now have no access to my money ( any money ) to pay my rent, buy food, etc. I also spoke to a supervisor. The result : My account will be closed and I will not have access to my money until they close the account, which will be XX/XX/XXXX, at the earliest. I can not receive the money electronically, but the supervisor said they would " mail me a check. '' I have no idea how long that will take. Meanwhile, I have no money - XXXX - and I can not open an account at any other bank without a minimum deposit of {$100.00}. I'm out of food, I can't pay rent, I can not pay for transportation to my doctor for treatments, etc.
Product: Credit reporting or other personal consumer reports

I am writing to urgently address a severe matter regarding fraudulent activity on my credit report. Upon thorough review, I have uncovered multiple inaccurate and unauthorized entries that significantly compromise my financial integrity and creditworthiness. These fraudulent accounts have been causing unwarranted distress and hardship, and I seek your immediate intervention to rectify this situation. 

The fraudulent entries in question are as follows : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$7600.00} Status Open. {$470.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$20000.00} Status {$2600.00}. 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$130.00} Opened XX/XX/XXXX. 


Despite my repeated efforts to address these issues with the credit reporting agencies, the entries persist on my report, unjustly tarnishing my credit score and financial reputation.

It is imperative to emphasize that I have never authorized or initiated any of these accounts. I strongly suspect that they are the result of identity theft or malicious activity targeting my financial records. As a vigilant consumer, I have diligently monitored my credit report and have taken immediate action upon discovering these discrepancies.

In light of these grave concerns, I wish to draw your attention to several pertinent laws and regulations established under the Fair Credit Reporting Act ( FCRA ) that safeguard consumer rights : Fair Credit Reporting Act ( FCRA ) Section 609 : This section empowers consumers to request disclosure of their credit report and dispute any inaccuracies or fraudulent entries therein.

Fair Credit Reporting Act ( FCRA ) Section 611 : This section mandates credit reporting agencies to promptly investigate and address any disputes raised by consumers regarding the accuracy of information on their credit reports.

Fair Credit Reporting Act ( FCRA ) Section 615 : This section outlines the responsibilities of information furnishers, such as creditors and lenders, to ensure the accuracy and integrity of the information they provide to credit reporting agencies.

I urgently implore the Consumer Financial Protection Bureau to intervene in this matter and expedite the removal of these fraudulent entries from my credit report. Additionally, I request a thorough investigation into the origins of this fraudulent activity and appropriate actions against the perpetrators. 

Enclosed with this letter are copies of documents supporting my identity and evidence of the fraudulent entries on my credit report. 

Your prompt attention to this matter is greatly appreciated, and I eagerly await a swift resolution. Please do not hesitate to contact me if further information or assistance is required.