23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Collector from 21st mortgage asks personal questions about how much money I will have in my pay check. Asks what other bills or expenses. Tells me it 's unacceptable if I do n't make my payment at the specific date.
Product: Credit reporting or other personal consumer reports

I urgently request that all reporting of this account to the credit agencies be stopped immediately and removed from credit reports.
Product: Credit card or prepaid card

On XX/XX/20, I received a Citizen Bank credit card that I did not apply for. I alerted Citizen Bank and they are investigating the application. They told me to alert the credit agencies that someone had my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX and charge for a crime that was eventually closed out do to my XXXX  being completed in XXXX. My conviction record was supposed to be sealed because of completion. The only thing that companies keep finding is my arrest record. Im not sure Why XXXX denied me when my case was closed amd threw out? Haven't been in trouble before or since that incident. If you need documents to verify my XXXX  terms and release thats find. Just tell me what exact information you need so i can send it end. I want my XXXX up by the beginning of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

XXXX XXXX XXXX : Account Number XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : Account Number XXXX, XXXX XXXX : Account XXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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

I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Inaccurate inquiries on my report and improper scoring.
Product: Debt collection

The company United Collection Bureau called me on XX/XX/2018. I sent a letter of validation, dated XX/XX/2018 ( I have a PDF scan of the letter, and sent it via certified mail ). However, they continue to contact me. They have called me on the following dates, without responding via mail : XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018. 

I do not know how else to get them to stop calling me at this point. My FICO credit score is over 800, and it is clear that the debt they are inquiring about is for a relative of mine, and not mine. 

At this point I am seeking legal counsel and would like to pursue whatever form of civil or criminal claim.
Product: Vehicle loan or lease

auto loan through Credit Acceptance. Loan was defaulted on and vehicle repossessed. Account sent to collections and a wage garnishment judgement awarded without me even going to court. Judgement amount of {$23000.00} with a % XXXX interest on top of that leading to current wage garnishment of $ XXXX monthly.
Product: Checking or savings account

i already submit a complaint description, the complain ID are XXXX in this second complaint description, i try attached more image evidence to helping your investigations easier. 

" on XXXX 2017, I have received a check and a statement that was I been hired, and they want me to deposit the check. and the next morning, the check has been successfully deposited on my account, then my employer wants me withdrawn the money from the chase to purchase the equipment stuff when I spent about XXXX $ through the XXXX. I immediately check my bank account, then the bank said the check ca n't be verified. I ca n't believe the XXXX XXXX chase bank made this kind of mistakes. 

First, the bank shows my check has been deposited successfully, no any warning messages have been sent to my email or message. 

Second, after i sending out the money by XXXX, then the Chase deny the check that was successfully deposited. 

third. if Chase can carefully verified the fake check in the first place, then I wo n't believed them and sending the money 2 times first time : XXXX $ second time : XXXX $
Product: Credit card

I contacted the company today to attempt to discuss the details on my account and was told but a senior lead agent that there was a cease and desist placed on my account and unless I authorized her to remove it we could not discuss my accounts. I explained to her that my requested was no collection calls or text messages. I was told multiple times she could not discuss my account unless I permitted calls and text messages to my phone number. I explained that I was attempting to pay my debt the agent refused my payment again stating that with the cease and desist on my account I could not pay or discuss my accounts. I was previously told that because I filed a complaint with cfpb my payment options would be limited as a result as if filing the complaint comes with a penalty which is unfair practice. Why wouldn't I have the same opportunities as other customers? Why are their penalties for complaints? It's as though they are attempting to bully me into allowing collection calls and text in order to resolve or discuss my account. I have recorded the conversation but am unable to attach to my complaint.
Product: Credit card or prepaid card

I am writing this letter to dispute several unauthorized charges in the amount of {$9300.00} on my Suntrust XXXX  account. These charges begin XX/XX/XXXX from a merchant by the name of XXXX and extend to XX/XX/XXXX from a merchant by the name of XXXX 5 totaling {$10000.00}. I have been ill and have been negligent in checking my statements. I was unaware of my rights and have been paying on this credit card for the past year. I originally called to file a dispute on XX/XX/XXXX but was placed on an extensive hold and given a number that was disconnected. I am including documentation to supplement my claim. Because I have been ill and in and out of the hospital, I recently discovered that my line of credit on this card has severely been misused. As stated, I was not aware of what steps I could take, give the time frame but a fellow Suntrust customer told me that I can write a dispute letter.

I am requesting that the error on my account be investigated and corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement.

Enclosed are copies of the disputed charges supporting my position.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and noticed an unauthorized and fraudulent inquiry on my TRANSUNION credit report.I called to let them know my rights to have any inaccurate information taken off immediately. They told me to call the actual company that the inquiry is from. So I called them and they put a report in and told me they were going to request to transunion to delete it. I gave it some time and I called transunion to see if it was off ( the inquiry ) .They told me they never received it and still werent complying.I feel like someone is not doing their job right because as I recall, any inaccurate information has to come off, but hasnt come off yet and I dont know what else to do so here I am
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to the lagged posting of charges and credits. This issue aligns with the recent CFPB findings against navy federal for similar practices, where transactions settled with insufficient balances initially available funds, I believe these practices are unfair and request an investigation into my account transactions.
Product: Vehicle loan or lease

I have an auto lease from Honda Financial. Honda Financial reports 2 late payments in my credit reports. I contacted Honda Financial on XX/XX/XXXX and provided my bank 's routing number and account number and requested from Honda Financial to have my account with them on auto pay ( I wanted every month my {$270.00} car payment to be electronically debited from my checking account, so I will never have any missed payments ). Honda Financial representative advised me over the phone that she will set up an AUTO PAY for me. So my first payment was automatically debited from my checking account by Honda Financial after 2 days on XX/XX/XXXX. On XX/XX/XXXX I am leaving the country for 3 months. I came back in to US on XX/XX/XXXX and checked my accounts to see if all the payments went through. I noticed that Honda Financial did not withdraw my 3 months payments. I immediately checked my credit reports and noticed that Honda Financial reported 3 late payments on my account for none payments. I contacted to Honda Financial immediately and I was advised they did not receive my payments. Now Honda Financial refuses to report to credit bureaus that the information they have reported is done by Honda Financial 's mistake. I was on AUTO PAY and Honda Financial did not debit my monthly payments as agreed on XX/XX/XXXX. 
Honda Financial 's mistake damages my true credit worthiness.

The late payments Honda Financial reported is done by it's mistake. 
Please Help to resolve this issue. 
Thank You.
Product: Credit reporting or other personal consumer reports

I had sent over a cfpb dispute with a fraud affidavit in XXXX. According to the to the credit reporting laws especially section XXXX. They were supposed to delete all fraudulent accounts and info on my credit report within XXXX  days. I have a certified return receipt and they are violating the laws and my rights. The XXXX  is not being investigated. I know because I went to the listed court. They are not reporting this fraudulent information. There are student loans listed where Ive never applied for such loans. Theres multiple accounts that I didnt initiate and its all listed in the CFPB identity theft affidavit. They are not honoring it. They are in clear violation of the law and I want to be a part of the lawsuit against them. Delete information immediately!!!
Product: Debt collection

Orginated from a gas bill from XXXX XXXX XXXX XXXX XXXX   XXXX ( XXXX ) for a rental property. Property manager failed to pay or notify me. When I learned of the situation, I immediately contacted XXXX and the debt collection company. XXXX provided proof of payment for me to send to collection company. I've notified the collection company and tried to dispute via XXXX, but company keeps saying debt not paid. This is adversely impacted my credit score and ability to get a fair interest rate ( recent car purchase, rate was higher to do this ).
Product: Mortgage

Upon closing on a home purchase in XX/XX/year>, I was mislead into closing on property with an interest rate 7.5 % which was above the market 's average interest rates. When speaking with the lender in early XX/XX/year> I requested to locked my interest rate prior to XX/XX/XXXX when Fairway mortgage was offering an interest of 6.85 %. I was denies the opportunity to lock-in at 6.85 % because " rates are expected to drop ''. I ended up closing with a rate of 7.5 %, and the buy down options offered at time of closing was extremely expensive. Due to the fact that the mortgage was not locked in a reasonable timeframe, my partner and I was forced to close at 7.5 % with a mortgage of {$5700.00}.
Product: Credit card or prepaid card

Commencing on or about XX/XX/2020, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 

Money was transferred from my account and through an intermediary named XXXX in the total amount of XXXX USD utilizing your services.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. There are accounts and inquiries for on my 3 credit bureau reports thats I didnt authorize
Product: Credit card or prepaid card

I went into XXXX on XX/XX/2022 and purchased a Vanilla gift card for the amount of {$250.00}. It was a gift for my nephew when he opened the gift card the back CVD code was scratch off and we were unable to use the card. I got in contact with merchant and they stated it was fraud since there was no longer a balance I've been contacting the merchant since XXXX on many many occasions without any resolution. In addition, every time I ask to speak to a higher up such as a supervisor or manager the call is purposely disconnected.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, XXXX XXXX XXXX a ) ( XXXX ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified, invalid accounts must be removed.
Product: Credit reporting or other personal consumer reports

I initially tried to enroll for Social Security, but failed the questions to be enrolled over the phone. i did not understand how the information I was being asked, Name, Address, SSN, and City of Birth could be wrong. About the same time TransUnion emailed about my credit report so I checked into that. I had to pay for their services to see the detail of my personal data. This information was riddle with inaccuracies ex ;. previous addresses, employers, and Aliases. For another fee, I could look at the information held by XXXX, and XXXX. That information was all significantly inaccurate as well. Additional, the agencies, use this inaccurate information to validation my identity incorrectly, rendering me unable to correct my information. This leaves my only remedy to correct this mis-information is to purchase they products. What a convenient system, all the XXXX XXXX mis-state my information, then charge me to fix it. My name is stated as several different ways and listed many addresses that I have not and do not live. My only address begins with XXXX and of the XXXX names screams fraud no one has XXXX address. I only have XXXX spelling to my name that is actually me as a my self, I will attach proof of who I am and my address and I expect the CFPB to protect my rights as a person representing ME!
Product: Credit reporting or other personal consumer reports

Aggravated Identity Theft Pursuant to 18 U.S.C 1028A. In general : Whoever, during and in any felony Violation Enumerated in Subsection ( c ). Knowingly Transfers, or Used, without lawful authority, ameans of Identification of another per shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. I am a victim of identity theft please block and remove these accounts immediately. 

Account Name : XXXX  XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I have diligently pursued the removal of fraudulent items from my credit report. I have submitted disputes, provided extensive documentation, and engaged with creditors and credit reporting agencies to rectify this issue. However, despite my efforts, the fraudulent items remain on my credit report, negatively impacting my creditworthiness and financial standing. Despite multiple attempts to resolve this issue, the inaccuracies persist, and I am seeking further assistance to address this matter. This marks the third time I am reaching out for help in rectifying these issues. 

These persistent inaccuracies have caused significant stress and hardship. It is crucial that these issues are promptly addressed to ensure the fair and accurate reporting of my credit history. I respectfully request that you could help me conduct a thorough investigation into this matter and take appropriate action to rectify the inaccuracies. Please help me remove these inaccurate items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} 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
Product: Credit reporting or other personal consumer reports

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 


XXXX XXXX has never contacted me in regards to sharing my personal information nor have they ever given me any information on how to opt out i have requested XXXX XXXX to remove the charge offs and the late payment information from my consumer report multiple times as that is personal information and they have yet to comply with anything i have asked of them but now i know they are directly violating my rights. Then remedy for this is for XXXX XXXX  to remove all charge offs from my consumer report as well as all late payment information repossessions of any kind as it all falls under personal information
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. 

Account name XXXX : # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name XXXX XXXX XXXX  : # XXXX, Account name XXXX : # XXXX XXXX Account name XXXX FXXXX : # XXXX, Account name XXXX XXXX XXXX : # 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 : 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: Bank account or service

On XXXX XXXX, 2016 in the morning i contacted my navy federal credit union and asked them to realease my direct deposit early in my checking account ending in XXXX, she did just that i also asked her to transfer money into my finance account the amount of {$100.00} and my other checking account was in the negitative of {$13.00} i made that positive i than asked her to give me the balance and than transfer the money into my account ending in XXXX she did n't do that so i begin to swipe my card the next day on XXXX/XXXX/2016 and now i am in the negative of {$67.00}. i spoke to a manager name XXXX on XXXX XXXX, 2016 and he credit both of my accounts {$20.00} and said i only owe {$180.00} in the XXXX account i put the money in that account on XXXX/XXXX/2016 i put {$200.00} in that account and that 's when i got the balance of {$47.00} that i owe based on the transations, i spoke to XXXX the supervisor on XX/XX/2016 and he did n't look forward into this matter he said he listen to the tape on both days and he would give me a call on XXXX/XXXX/2016 and i never received a call because he knew that he did n't look forward into this matter and sided with the young lady that was wrong and messed up both of my accounts.Now they are asking me to pay the money of {$67.00} i do n't think that i owe this money at all because of the neglect of the young lady not doing her job and transfering my money into my account ending in XXXX.
Product: Checking or savings account

My account was debited on XXXX in the amount of {$60.00}. It was not authorized.