23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently pulled my credit report and reached out to both the credit bureau and Capital Accts. to dispute all accounts with this fraudulent company that has reported accounts. I 've asked for documentation to validate debt and they provided me with an out-of-date scanned image of something from XXXX/XXXX/XXXX. They failed to provide me with an up-to-date copy of said debt. If such debt is owed, it was sold by the original creditor who did not inform me of a debt or ask my permission to sell any of my medical information. This is clearly a violation of my ( HIPPA RIGHTS ) by both the medical office and third party. I 've asked for the following from this company : a copy of my signature with the provider of service to release my medical information and for them to stop reporting to the credit bureau until the debt has been validated by me. I have not received any documentation from neither company to release any medical information about me or giving permission to sale any of my information to collect on a balance I 'm unable to verify with XXXX XXXX XXXX. In addition, because the original creditor sold my information, I am no longer responsible to pay due to " NO CONTRACT/CONTRACT IS CANCELLED. '' Also, I have not received any letters that I owed a debt to even dispute the debt from neither company. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPPA ) to protect my privacy, medical and dental records from third parties. Capital Accts. has withheld information and refuse to provide me with what I asked in my written request to them and the credit bureau. This is currently affecting my credit as I am trying to purchase a home. 

In addition,. I 've recently tried to contact this business about the account to verify and have been unsuccessful. This account is 4 years old and neither XXXX XXXX care or said collection agency has reached out. This is a third-party with my personal information and if said account is valid, which again I ca n't prove because XXXX XXXX care has failed to reach back out to validate the debt. I have asked that they please stop reporting to the credit bureau and remove account due to " NO CONTRACT/CONTRACT CANCELLED. '' Amount Owed : {$170.00}, which includes {$50.00} in accrued interest ( According to the collection agency ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Last week on Thursday or Friday ( XX/XX/XXXX or XXXX ) I tried to log in to my Transunion account, but the web page showed that they were having problems. 

Today I tried again, and still could not log in. 

So I phoned Transunion at XXXX and spoke with XXXX XXXX ' who said that she would reset my password. She confirmed my login ID, then sent me a temporary password, which didn't work. Then she said that she would send me another temporary password, but I had to wait 10 minutes to use it. She would not wait on the line for ten minutes until I entered the password to confirm that it worked. 

I waited 10 minutes to log in, then input the password. I did not copy and paste it - I input it character by character, using capitals. It still did not work.
Product: Student loan

Middle o f  XX/XX/XXXX  : re quested statements to show how payment are being applied and balance information. Was told " I do not have a payment due, no invoice will be sent ''. I could not register an online account to get what i needed.      XX/XX/XXXX  : I ( father co-signer ) asked  XXXX   XXXX  ( daughter ) " I need you to verify that the  2nd payment to Navient  is being applied to the principal, if not make it from here on out.   "  XXXX , make sure th e 2nd  payment is applied to the principle not the interest. Go on online and ... better still do a screen shot and send me the the last 5 months '' Dad, I 'll probably have to call them tomorrow. Its not recognizing my info to let me register.      XX/XX/XXXX  : Dad, I got a headache talking to those people a t Navient..Majority of  your payments go towards the principle. They said for your {$150.00} payment, {$120.00} went towards the principal Dad, I 'm still having problems logging in online, but I 'll send you the screenshots once I get in.     Frustrated we gave up on further communication its too stressful. I attempted to open account a year or so once I saw it on credit report. To no avail I have called numerous times requesting an monthly invoice on balances, interest, how much of the monthly payments went toward principle and interest.   Making  2 p ayments a month of {$150.00} the obligate is {$130.00} a month {$180.00} was request to be applied to principle, according to end of year statement.     Refinance home to payoff loan - called on  XX/XX/XXXX  requested payoff balance and interest, principle payment of all past payments. Then it was {$15000.00}. Was told it tak e 10 to  20 days for the statement to be mailed. Received on  XX/XX/XXXX  a list of payments and dates, no balance as of dates, no balances at all.   Called on  XX/XX/XXXX  to ask for payoff balance and payments interest principle for every month I have been making payments. I was also told the  1st payment of {$150.00}, {$50.00} is interest and the 2nd  payment that month of another {$150.00} {$25.00} is interest. As of this complaint have not received anything else.     They are make extremely difficult to make payments, to get accurate information on accounts, ignoring complaints, giving inaccurate information, incorrectly processing payme nts. Navient 's c ustomer support are extremely rude and hostile. Like debt collection agencies!    XXXX   XXXX  Co-signer Account #  XXXX   (  on recent correspondence  ) Loan  #  XXXX  Account #  XXXX   (  on  XXXX   XXXX  )
Product: Payday loan, title loan, or personal loan

I just had my new Chase XXXX Bank credit card shut down due to a massive identity theft. I finally received my credit card from Chase in XXXX and they closed my account due to an unfamiliar company recovering my information and was maliciously using my personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint concerning inquiries that are fraudulently placed on my credit files I did not authorize these inquiries to be made, I sent letters to the creditor notifying them of these inquiries are fraudulent. Inquiries : Experian Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX -- -- -- -- over 2 years XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX -- -- -- -- over 2 years XXXX XXXX  XX/XX/XXXX -- -- -- -- -- -over 2 years XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX -- -- -- -over 2 years XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX -- -- -over 2 years XXXX XXXX Inquiry Inquiry Date of Inquiry / XXXX 2 years XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry Date of Inquiry-over 2 years XXXX XXXX XX/XX/XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Consumer P XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I have a brokerage account with Robinhood. I bought shares of XXXX, bought and sold a few more ( $ XXXX, $ XXXX, ) then they flag my account as a frequent day trader. Now I can't trade any more until I get a {$25000.00} balance? Even if that was in the terms of use, that seems like something to warn more than once. Either way, fine. The problem comes in when I had a little over {$2000.00} come into my account from my usual checking account that I had intended to invest up to that point, but no longer wanted to and still had in cash. The initial deposit was {$3000.00} and it came to a bit over {$2000.00} in available cash since my account was negative at the time ( long story ). I try to take it out since I don't intend to add {$25000.00} to this account, and they disable withdrawals on my account. What? They should not be able to do that. I submit a ticket about releasing my withdrawal immediately and they say they'll get back to me in 1-2 days. 1-2 days later they say it's going to take a bit longer and that was over a week ago. Multiple prompts to me with no response. This is concerning, and I want my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear madam or Sir ; I have been out the XXXX  for time now. I decided to come back home to Florida to Purchase Property for me and my Family. I check my credit. I notice these accounts that I did not authorize. This is Fraud. I never had any Business with these Companies. Someone use my identity without my authorization This is Wrong ; Now I'm here dealing with the stress of being a victim of identity theft. something needs to done about the fraud in Florida with people Stealing identities and Companies are letting them get away with it
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

Im wanting this Collection Company to take this collection account from my credit. Finding out the dont have license to collect in Pennsylvania and they trying to collect on me.
Product: Debt collection

I filed previously claim against them and I was told all it was stoped because they keep calling me for debt that has nothing to do with me whatsoever they just stole or bought my number from someone just because of same last name. When I first filled complained they apologize sent me letter confirmation that it mistake and they shouldnt be doing that yet after that I got more than dozen calls from them. Debt has nothing to do with Me just because of same last name I almost lost my job today because I got angry started yelling at XXXX calling me. Need help to stop this or is there a ways to file lawsuits against them they wont stop they are stealing or by numbers hoping to find people they are looking for just because of last name.
Product: Checking or savings account

On XX/XX/2020 i receive a call from Navy federal credit union Alerting me I have a fraud alert. One for {$2.00}?? XXXX something dollars and Another one for {$400.00}. The {$2.00}?? Was fix. Now the {$400.00} was a XXXX one they have not fix. They said because I have a XXXX XXXX that was me I have not used my XXXX. I don't know how the person did that. Now they are saying I have to pay {$400.00} to the bank. I do not have. I need XXXX information so I can make them responsible for there actions. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first 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 an alleged fraud or extortion. 
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 Balance : {$0.00} XXXX XXXX XXXX Balance : {$920.00} XXXX, XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX Balance : {$1300.00} PRICE XXXX XXXX XX/XX/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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' INTEGRA CREDIT is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' INTEGRA CREDIT the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, INTEGRA CREDIT whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party - the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code $ 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish an 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services "
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, Experian data Breach and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following accounts XXXX XXXX XXXX, and XXXX  XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAINED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EXPERIAN DATA BREACH AND FRAUD. ATTACHED TO THIS IS A COPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  : Account # XXXX, has violated my rights. 

This company continues to report a 30 day late payment to Experian, XXXX and XXXX from XXXX of 2021. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

- I never gave these written instructions. & also. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( 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. 

-I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.
Product: Credit reporting or other personal consumer reports

I adamantly disputed the ProCollect collection entry with all three credit bureaus, as the debt was settled with the original creditor before my knowledge of its collection status. Despite ProCollect updating the account as paid, they havent removed it from my credit report. Its noteworthy that ProCollect never received the payment, yet my credit report shows a payment date of XX/XX/2024, which is inaccurate. 

I learned of the collection from a mortgage lender, not ProCollect. The payment, made via money order to XXXX XXXX XXXX  ( original creditor ) on XX/XX/XXXX, has been substantiated with proof. Despite this, my credit report still marks the account as late as of XX/XX/2024. 

This erroneous reporting adversely affects my creditworthiness. Ive lodged another dispute with the collection agency and the credit bureaus, seeking the immediate removal of the collection entry from my credit profile due to the payment made to the original creditor. The persistence of this inaccuracy is unacceptable and requires prompt correction. 

Due to their inaccurate reporting, I am requesting it needs to be removed from my credit reports with all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a dispute for fraudelent accounts. Please delete them. It has been way over 50 days now.
Product: Credit reporting or other personal consumer reports

We refinanced our mortgage in XXXX and our mortgage was sold to XXXX XXXX. We made our first payment in XXXX and then set up automatic payments. In XXXX we got a call from XXXX XXXX that we did not make XXXX and XXXX payments. When we went into our account we found that the automatic payments had been turned off, and do not understand what happened. 
We were told if we made the payments they would take it off the credit report. The payments were made and STILL more that two months later it is showing on my credit report. 

We called XXXX XXXX SEVERAL times and have been told repeatedly to email them but EVERY email we send gets rejected. We have called and they keep giving us the SAME email addresses to send disputes to. 

XXXX XXXX has DESTROYED my credit by NOT fixing this issue. I went from a near XXXX credit to just over XXXX, had two credit cards lower my spending amount and have had sever emotional distress over this as I have been trying to refinance with another company to get away from them but no one will touch me because of this. 

I have never had any late payments from any mortgage company since we bought this house as we have been trying to rebuild my credit and XXXX XXXX has ruined me by not doing the right thing and taking their time in doing the right thing.
Product: Credit reporting or other personal consumer reports

I am disputing a late payment entry that has been reported by XXXX on my credit report. This late payment was reported by Apple Card/GS Bank USA XXXX I pulled my credit reports and noticed a late payment flag. 

I have not been late on my payments for this account for XX/XX/2023. The reported late payment is inaccurate and is negatively affecting my creditworthiness! 

I have already sent a dispute letter to XXXX and Apple Card, but I have not received a satisfactory resolution. I believe that the credit reporting agencies and Apple Card are violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I request that the CFPB investigate this matter and take appropriate action to correct the inaccurate information on my credit report. 

Please find attached copies of my dispute letters to XXXX and Apple Card, as well as any relevant documentation supporting my claim. 

Thank you for your prompt attention to this matter.
Product: Prepaid card

I have an account and debit card with the company chime I started noticing fraudulent transactions coming off my chime debit card. The money that was being fraudulently debited from my card was going to a subscription for the company instacart. Which I have never opened a XXXX account. Chime was fraudulently taking XXXX each time off my debit card and sending it to instacart whit out my consent or authorization. I even canceled several debit cards and ordered new ones from chime and the XXXX subscriptions still kept being debited to XXXX without my consent or authorization. I called chime about these transactions and even filed a complaint about these fraudulent charges and chime denied me my money back from these fraudulent transactions to XXXX After I did some investigation I found that chime and instacart has an agreement together and chime has linked customers personal information to XXXX company. I have never gave permission to chime or XXXX  to bill my chime card for monthly subscription that I dont use nor did I authorize this fraudulent behavior. This behavior is a act of data breach and identity theft. I would like chime to compensate me for every fraudulent charge that was debited from my card and I also would like to be compensated XXXX dollars for chime handing over my information to a company that I do not do business with and for the emotional distress it has cause me after learning about this fraudulent behavior that I had nothing to do with or consent to this malicious behavior with my personal information.