23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

They are collecting wrong information from a guy with exactly same name. What is worse, that guy was in a debt. And I even do not have access to look into my own credit report because they are using his information on my SSN. So when I was using my information to check, it shows my information does not match with their database. The stain on the background has resulted in big troubles for me when I was applying for an apartment and credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I was advised by Chase Bank through a service they provide that my address was changed and there was an attempt to open up a XXXX credit card via XXXX XXXX. I subsequently put blocks and alerts with the three credit agencies and found that XXXX had a bogus address under my name which I did not recognize or authorize. Also in XXXX we realized that we were not receiving many of our bills. We checked with USPS and they notified us that our address had been changed. We found out that many companies update billing addresses based solely on information they receive from the post office with no other authorization or authentication. Further, after this incident, we went to the USPS website and verified how easily an identity thief can change a valid address. While this practice eases the burden of return mail, it also aides and abets identity thiefs at the same time. My bank ( Chase ) had also updated my personal information from the USPS without going through their normal authentication process. I subsequently understand that this has been accepted as a normal business process however, I dont feel this is a prudent process given the fact that it makes theft of identity more efficient and violates my ability to protect my PI and I believe violates the banks responsibility to protect my identity.
Product: Checking or savings account

I received credit alerts on XXXX app mfor hard inquiries reducing my credit score. XXXX XXXX confirmed a credit card and checking account were opened using my info. Capital one XXXX card was applied for and a XXXX card was applied for. I found an address on my credit file of XXXX XXXX XXXX XXXX XXXX XXXX code XXXX which is the address of XXXX XXXX date of birth XXXX phone no XXXX. Her social security no is XXXX. She has spent time in XXXX for bank fraud and I have text message telling me she accessing bank records because that's what she does for a living
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This aligns with the most recent CFBP findings against Navy Federal for similar practices, where transaction settled with insufficient balance despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which has caused me severe XXXX and anxiety upon finding unverifiable, invalidated, inaccurate and questionable items that the credit reporting agencies are reporting on my credit report. 

In accordance with Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S.C. Code 1681e ( b ) and 15 U.S.C. Code 1681i ( 5 ) the following accounts are in violation and not reporting 100 % accurate as well as violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX. Acount # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXXXXXX XXXX  Account # XXXX, XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX 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. 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 ) states : 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 sent an account that is not mine to XXXXXXXX XXXX XXXXXXXX, a third party collection agency. XXXXXXXX XXXX XXXXXXXX added this {$110.00} collection account to my credit file. I have not had insurance with XXXX in over 10 years at least. XXXX is my insurance company. I have not received any correspondence from XXXX or XXXXXXXX XXXX  XXXX at my address at XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX. I have talked with a representative from XXXX XXXX XXXX and they had the wrong address on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Mortgage

My mortgage service company, Select Portfolio Servicing ( SPSservicing.com ) is refusing to reverse my " 30 days late '' report to credit agencies in XX/XX/2021. I was ill with XXXX in XX/XX/2021 and not able to make the month 's payment until XX/XX/2021. I have been charged late fees and reported 30 days late due to my illness which has affected my credit score by -100 points. 

I would appreciate your help in reaching out to the company. Please advise at your earliest convenience. 
Thank you. 

Monthly Mortgage Amount : {$3900.00} / late charge of {$130.00}
Product: Checking or savings account

I am filing a formal, written complaint against USAA Customer Service XXXX, XXXX. I have been using USAA as my primary bank for XXXX years and I have never felt so humiliated and disrespected as today. 

I called USAA on XX/XX/year> at XXXX in response to a missed call and push notification alert saying there was suspected fraud on my account. 

I had recently moved a large amount of money so this isnt uncommon. I appreciate these extra measures from my bank to ensure my money is protected. I also appreciate the collaboration that I have grown to expect from the customer service agents that deal with these types of inquiries as well as others. 

When I called in I was expecting to go through the verification process and confirm dates/amounts, etc to clear my account, which has been my experience in the past. My customer service rep, XXXX, went through some of the basic verification questions and, at some point I was placed on a long hold. When XXXX returned he began asking extremely invasive questions without any context as to why. I told XXXX I was willing to confirm the amounts and give him a general reason as to what the funds were related to ( transactions among friends ). This wasnt good enough for him and, instead of communicating in a professional manner why he needed this information, he began with the finger pointing. 

I did not understand why I was being asked what I was doing with my money. I understand that XXXX has a job to do, but this was over the top. 

USAA is my bank, not a parent peeking over my shoulder. At XXXX point he began using accusatory language that created a sense of intimidation saying something to the extent of, It looks like money laundering to me, but if you tell me a little bit more information, we can clear this up. This sounded more like a gestapo shakedown than someone I would trust with my money and personal information. 

XXXX made himself judge and jury and destroyed my trust. The representative I thought would help me release my account was now accusing me of a federal and state felony. I paused for a few moments as he continued probing and finally asked him, XXXX, do you have an agent number? He said no. I said XXXX, my last name is XXXX, what is yours? He replied with I dont share that type of information. 

I said XXXX, you won't tell me your last name but you want me to tell you how XXXX spending my money? I told him he was essentially blackmailing me by saying answer my questions and we can make this go away. Refuse to answer my questions and there's big trouble. If he was that comfortable power tripping and intimidating me, I can only XXXX how many other customers hes bullied. XXXX eventually became combative and refused to answer my questions about where we stand with the account resolution. He hung up and I called back and was able to resolve my issue with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX husband and a heck of a Father- not a criminal. The position XXXX took was no longer as a mutual collaborator trying to help me resolve an issue with my account but more of a gestapo interrogator trying to get me to admit to a crime.
Product: Debt collection

XX/XX/21 See Previous complaint ID : XXXX Contiued issue : Joint account has not been deleted after resonable time as debt collector stated. This account is fraudulent and there is no personal responsibility for this account. This account is in violation of the XXXX ( using any false representation or deceptive means to collect a debt or to obtain information about a consumer )
Product: Checking or savings account

I was charged overdraft fees when I had insufficient funds in my account.
Product: Debt collection

Dear Transworld Systems Inc, I am writing to formally request validation of the debt referenced above, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not recognize this debt and require proof that I am legally obligated to pay it. Specifically, I request the following information : The amount of the debt : Please provide a complete breakdown, including any interest or fees. 
The name of the original creditor : Identify the original creditor, along with any documentation showing the transfer of the debt to your agency. 
Proof that you are legally authorized to collect this debt : Provide documentation demonstrating that you have the right to collect this debt on behalf of the original creditor.

Verification that the debt belongs to me : Include any signed agreements or contracts that clearly show I am responsible for this debt. 
Under the FDCPA, I am entitled to receive this information before any further collection activity takes place. Additionally, until this debt is properly validated, I ask that you cease all collection efforts, including reporting this debt to any credit reporting agencies, as doing so without validation is a violation of federal law. 

Please consider this a dispute of the validity of the debt, and do not contact me further regarding this matter unless and until you provide the requested validation. Failure to validate this debt will be interpreted as your inability to provide proof of my obligation to pay, and I will consider the matter closed. 

Sincerely, XXXX 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. XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX  : # XXXX, 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: Debt collection

I reported an identity theft to Federal Trade Commission on XX/XX/2020 for Wells Fargo Credit Card. This account does not belong to me. The amount is {$9600.00}. I reported this fraudulent activity to XXXX XXXX XXXX on XX/XX/2020. Wells Fargo continues to report the account as negative on my credit report in error.
Product: Credit reporting or other personal consumer reports

I requested a copy of my consumer reports and I've notice i have some unauthorized inquiries that i did not initiate! I believe i may be a victim of identity theft and I would like these unverified and unauthorized items to be removed. I have listed the items I would like to dispute below.The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time.

18 U.S. Code 1028A - Aggravated identity theft- ( A ) ( 1 ) Whoever, during and in relation to anyfelony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of XXXX years. 
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 THIS IS DEFAMATION OF MY CHARACTER AND I WOULD LIKE ALL UNAUTHORIZED ADDRESSES AND INQUIRES REMOVED FROM CREDIT FILE. ACCORDING TO 14 U.S.C. 1681 g ( a ) ( 5 ) A CONSUMER REPORTING AGENCY SHALL NOT FURNISH TO ANY PERSON A RECORD OF INQUIRIES IN CONNECTION WITH A CREDIT OR INSURANCE TRANSACTION THAT IS NOT INITIATED BY A CONSUMER. Under section 604 of the Fair Credit Reporting Act ( FCRA ) explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that not only do I have no knowledge of the trade line XXXX XXXXXXXX is reporting on my credit but you are also in violation of the TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. which prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. I have tried numerous of times to contact this. Attached is a letter from the company.
Product: Debt collection

I come back and send you this complaint since you referred the answer to a supposed lawyer that I do not know completely. and I demand the same as in the previous complaint. 

I am not aware of any attorney acting on my behalf. I do not know and I demand that all information be sent directly to me. 

XXXX XXXX XXXX with the Law Offices of Litigation Group Practice. 

15 USC 6809 ( 9 ) ( 9 ) Consumer The term consumer means an individual who obtains, from a financial institution, financial products or services which are to be used primarily for personal, family, or household purposes, and also means the legal representative of such an individual. You are a financial institution according to 15 USC 6809 ( 3 ) ( a ) ( 3 ) Financial institution ( A ) In general The term financial institution means any institution the business of which is engaging in financial activities as described in section 1843 ( k ) of title 12. You as a consumer 15 USC 6809 ( 9 ) I am the natural person, and agent of the consumer XXXX XXXX XXXX XXXX who obtained from you CAPITAL ONE a credit extension, a service that created an account and I want said account to be sent to the original Creditor, I want the funds from this account to be reimbursed to the original creditor of this account. Any digital contract that has been created with this Credit Extension and the issue of the account, card number : XXXX that rests in you is rescinded and it is required that the funds be remitted to the original creditor. As the original creditor I demand that all funds that resulted in the issuance of this account be refunded to me within 20 days. Otherwise I will be forced to file a lawsuit. I have all the relevant evidence to show that you used my credit without my consent. They are not creditor, they are the financial institution that sells financial services, they do not lend money and they have to reimburse me for all money used and obtained without my consent. 15 USC 1602 ( g ). 15 USC 1692 a ( 4 ) 15 USC 1602 ( I ) ( I ) The adjective " consumer '', used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit uis offered or extended is a natural person, and the money, property or the services that are the object of the transaction. are primarily for personal, family or household purposes
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> **Consumer Financial Protection Bureau** XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX*Federal Trade Commission** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXSubject : Formal Complaint Against TransUnion for FCRA Violations** To Whom It May Concern, I am writing to formally lodge a complaint against TransUnion for clear violations of the Fair Credit Reporting Act ( FCRA ). Specifically, I am alleging that TransUnion has engaged in deceptive practices by re-reporting accounts that I previously disputed and were subsequently deleted from my credit report. 

**Details of My Case : ** 1. **Reinsertion of Deleted Accounts** : The FCRA stipulates that any account that has been disputed and found to be inaccurate must not be reinserted into the credit report unless it is verified as accurate and the consumer is notified within five days. TransUnion has re-reported an account associated with XXXX XXXX XXXX XXXX XXXX XXXX  ) that was previously removed from my report. This action violates the reinsertion law under the FCRA.

2. **Investigation Results** : According to your investigation results ( XXXX Number : XXXX ), the disputed item was initially verified as accurate, and therefore, it was deleted. However, TransUnion later added this account back to my credit report without valid justification, demonstrating a clear disregard for the FCRA. 

XXXX. **Pattern of Deceptive Practices** : This behavior is not an isolated incident. It mirrors actions taken against XXXX, which was ordered to pay {$15.00} XXXX for improper investigations of credit reporting errors. XXXX 's failures to block identity theft-related information and to prevent previously deleted accounts from reappearing are similarly reflected in TransUnion 's practices. 

4. **Impact on Consumers** : The repercussions of these actions are severe. My credit score has been negatively impacted, resulting in a decrease of XXXX points since XX/XX/year>. This not only affects my creditworthiness but also my ability to secure loans and other financial opportunities.

**Request for Action : ** I urge both the CFPB and FTC to take immediate action against TransUnion for these violations. It is imperative that regulatory bodies enforce the FCRA to protect consumers from deceptive practices that undermine their financial stability and rights. 

I request an investigation into TransUnion 's practices and demand appropriate penalties to deter further violations. Additionally, I seek restitution for the damages caused by these inaccurate credit reporting practices. 

Thank you for your attention to this serious matter. I look forward to your prompt response. 

Sincerely,
Product: Debt collection

I have sent a letter of debt verification to collection agency on XX/XX/2020 and they received it on XX/XX/2020. The agency didn't respond to my letter but stopped all communication with me for a few months but recently have begun to phone me several times a week. The phone calls began on XX/XX/XXXX and XX/XX/2020 and though this month as recently as XX/XX/2020.
Product: Debt collection

Sent email to them on XX/XX/XXXX advised them not to contact me. 
Contacted them on XX/XX/XXXX to make settlement. Got email back wanting more information, sent that to them. Still did not want any more calls. They then called that same evening. 
Then on XX/XX/XXXX they called again I called them back and told them no more calls they said they would no longer contact me and she was blocking all communication. 
XX/XX/XXXX they called again.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I XXXX XXXX XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Experian. Please delete the following accounts. 

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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). 

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 9 am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information TransUnion. 

Please delete the following accounts : XXXX  XXXX XXXX amount : {$770.00} XXXX  XXXX Total amount : {$290.00} XXXX XXXX Total amount : {$34000.00} XXXX XXXX Total amount : {$4600.00} the inquires below were not made by me but made under my name new country XXXX made on XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX bank XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  dealer XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want Trans Union to add my employer to my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, CA XXXX, XXXX   Position : XXXX XXXX XXXX, Yearly Salary : {$350000.00}.