23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I attempted to unfreeze my account at Experian on line. That did not work even though I have my PIN number from when the freeze was set up on XX/XX/XXXX. I attempted to contact Experian through all available phone numbers during their posted hours of operation. NO WAY TO CONTACT A PERSON!!! THERE IS NO CHAT OR EMAIL AVAILABLE either. 

I need to refi my home NOW. I am elderly and ill. 

I was able to easily unfreeze XXXX and XXXX. But not Experian. Per Experian online and recorded messages on telephone tree, Experian wants me to MAIL TO TEXAS COPIES OF MY SOCIAL SECURITY CARD, DRIVERS LICENSE, UTILITY BILLS ... ..ALL THE INFORMATION ANYONE WOULD NEED TO STEAL MY IDENTITY. I WILL NOT MAIL A COPY OF MY SOCIAL SECURITY CARD TO ANYONE!!! THIS IS NOT RIGHT!!!!!! 

PLEASE help me. Thank you
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution procr was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 15 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent off a letter to Transunion asking for my accounts to be looked at for accuracy and completeness of accounts. You can see the attachment to view the accounts I requested to be re-investigated. It is XX/XX/2023 and I have not heard anything from Transunion about the re-investigation that was only supposed to take 30 days to complete. These inaccurately reporting items are causing me a great amount of stress and XXXX  due to me being in the process of trying to buy a house. Transunion has failed to do a timely investigation on my account as well as notify me that any of my accounts are under investigation.
Product: Credit reporting or other personal consumer reports

Experian consumer reports and rental screening reports contain inaccurate information in reference to an eviction from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). There is a court judgement ( Case # XXXX ) on the account that indicates the balance as satisfied. The Justice Courts in XXXX XXXX has made a judgement that indicates that all fees have been satisfied ; attorney fee in the amount of {$90.00}, tax in the amount of {$98.00}, late charge in the amount of {$150.00}, and rent in the amount of {$1300.00}. As a result of Experian consumer reports and rental screening reports, reporting inaccurate information my ability to secure housing is being severely hindered.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the IRS. A canceled debt ( charge off ) is *considered as gross or ordinary income ... a 1099 was issued for this account. * *Income does not get reported to your consumer report. * Making this a violation that the creditor ( XXXX XXXX XXXX  ) acount # XXXX. 
address XXXX XXXX XXXX, XXXX NC XXXX. Since XXXX of this account creditor & all consumer reporting agencies has *violated my rights* reporting this inaccurately account information for more than *3 years* this is unfair to me the consumer.

And according to 15 USC 1681e Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates .... in my case none of the consumer reporting agencies didn't do so.
Product: Credit reporting or other personal consumer reports

I was a victim of Equifax data breach and inaccurate information needs to be removed. 

XXXX XXXX XXXX XXXX {$150.00} XX/XX/XXXX XXXX XXXX XXXX {$3200.00} XX/XX/XXXX
Product: Debt collection

I requested a medical debt be validated by the debt collector ( COLLECTION PROFESSIONALS ) and was provided with a document containing personal health information. According to HIPAA and the debt collector 's own response to my complaint ; The Privacy Rule 's definition of payment includes disclosures to consumer reporting agencies. These disclosures, however, are limited to the following protected health information about the individual : name and address ; date of birth ; social security number ; payment history ; and account number. 

They ( Medical Providers ) absolutely CAN NOT share the nature of your treatment or the details of procedures with your debt collector. This includes : -Paperwork or bills that disclose medications you've taken -Ailments or diseases you may have been diagnosed with or treated for. 

If a collection agency provides ANY of these private details, they are in direct violation of HIPAA regulations, and they face SEVERE fines.

As illustrated in the highlighted portions of the validation letter I received from the debt collector, the document contains private details of procedures performed by the medical provider. This is a clear and flagrant violation of HIPAA laws and a gross abuse and infringement of my rights and privacy.

I have attached a copy of the validation letter containing HIPAA violations and the response by the debt collector which dictates the only information they can request or access under HIPAA laws. Failure to remove this account from my credit reports immediately will lead to legal actions.
Product: Mortgage

We would like to pay off our mortgage. Sent what should have been final payment according to our statement which included {$600.00} over the amount due for that month which should have paid our balance principal and it was credited to the impounds rather than principal. Since we were so close to paying off the mortgage, in the 3 months prior we had made exactly the same payment in exactly the same method and they credited the principal correctly. We have both been calling requesting it to be fixed, telling us we would hear back within 7-10 days. Then we receive the next month 's statement, still not fixed, no reply back on the email, no calls that it 's been corrected and no record of our previous calls or requests for the situation to be fixed. 

In speaking with the operator this morning, I requested to speak to a manager. After being left on hold for an amazingly long period, she comes back on the line, assures me that she will take care of this and call me on Monday but that the manager is on another line and will not take my call. 

It 's like they do n't want us to pay off our house and we absolutely can not reach someone in the US to save our lives.
Product: Vehicle loan or lease

First Investors Servicing is the company I pay my monthly vehicle loan payments to. I send in payments on a weekly basis. I also send an additional amount which I want applied directly to principal. Based on the response from FISF, they do not accept principal only payments. I've asked them to send signed documentation stating this, but they have failed to do so. They have also failed to apply my additional payments to the principal. They are applying the additional payments to the interest. I would not send additional payments to have them applied to the interest because that does not benefit me. I keep explaining this and they keep saying they can't accept principal only payments. This is a simple interest loan and as far as I know I can pay extra which gets applied to the principal in order to HELP ME pay off the loan quicker. If my additional monies are being applied to interest, then I am only paying according the regular schedule which will not benefit me in any way possible.
Product: Debt collection

This Company ... Carrington Mortgage ... .calls repeatedly and I have NO debt, with them or anyone. they call at odd hours and leave a number to call back. I have tried and it is a fax machine with no human available. At the end of their pitch, they state that they are required by law to state that they are a debt collection agency. 

the # they leave is XXXX. 


They have called on XXXX and XXXX. They have called in XXXX on : the XXXX, the XXXX, the XXXX, XXXX, XXXX, and on the XXXX. Then again on the XXXX, XXXX, XXXX and the XXXX. They just keep calling .... I have NO debt. What a pain in the you know what!!!
Product: Debt collection

As of XX/XX/XXXX all three of my credit reports reflect that a company by the name of LVNV funding C/O Resurgent capital services XXXX XXXX  XXXX has a collection account under my name that is currently Open and reflects a past due amount totaling {$180.00}. 0 % has been paid on said account. It states this account was opened on XX/XX/XXXX and balance updated on XX/XX/XXXX. Ive researched this company using NMLS Consumer access and there is No matches for this company at all.
Product: Mortgage

Please sanction Wells Fargo Home Mortgage. As I approached the end of my Mortgage Obligation, including a point when the funds in " Our '' escrow account were sufficient to retire the Principal ( including any related " nuisance '' interest for whatever number of days of interest Wells Fargo Home Mortgage could conjure for its administrative delays ) -- yet, payment demand continued. Then, with a final insult of a colloquially-known " Loan Payoff '' form letter from Wells Fargo Home Mortgage, it adds the audacity of " we require the loan to be paid in full. '' This despite the fact that this same form letter shows a dollar figure of " Your Escrow Balance '' -- as in " my '' ( " my money '' ) which pays not only what was demanded therein but would 've covered the principal pay-off, accumulated interest, and associated conjured fees from the statement preceding. Yes, this likely only happens for a borrower one time in a loans ' lifecycle -- but, I neither have any control or recourse. It is only " my '' Escrow Balance when it is convenient for Wells Fargo Home Mortgage to label it as such. Instead to the very end, I am supposed to pay-in on a deadline with consequence, while the return of the Escrow Balance when all is done and said will take its time and will be at no risk of consequence in the event of Wells Fargo Home Mortgage delay or error. I submit this first-off to get a Case Number, so that a record of some sort exists when Wells Fargo Home Mortgage fails to perform what they indicated will be done, which is to apply monies from the Escrow to close-out the Mortgage Loan, before sending the balance of unused Escrow to me. 

In the larger sense, I ask why, would not the forward calculations be made to automatically apply the Escrow Account balance when the Principal, Interest, and pending or anticipated Escrow-covered-disbursements net to zero -- send that as a notification ( perhaps even with a pending period equivalent to whatever policy-based delay the Mortgage Lenders currently have built-in before returning " unused '' Escrow Funds ). In this way, administrative overhead for the Mortgage Lender, and Customer inconvenience of arranging pay-off would be effectively eliminated. XXXX imagine that, ... the Mortgage just ends saving at least two unnecessary exchanges-of-funds. Recall that the Mortgage Lender has all of the information and control -- all I get is the " of course '' when something is screwed-up!
Product: Debt collection

XXXX contends that I owe a large debt on a credit card. I disputed this debt in XX/XX/2014and told XXXX, I do not have the card in my possession and reported it lost/stolen when XXXX first sent me notice of being late to pay this debt. They assured me the charges would not be held against me and they were going to open a fraud investigation. I never heard another word. No phone calls, no statement, nothing. 
This account has gone through many debt collectors and each time, I contact the debt collector and tell them the circumstances and then follow-up with written notice within 30 days of receipt of their collection letter that I dispute the entire debt. 
I also request a copy of a judgment against me to show a court has declared that I legally owe this debt. This has never happened and every time I dispute the debt the notices and phone calls stop for a few months, but then it goes to a different collection agency and the notices and calls start again. These debt collectors call me and they call my wife and ask to speak to me. This happens all all hours of the day and this has been going on regularly since XX/XX/2014.
Product: Payday loan, title loan, or personal loan

XXXX XXXX dob XXXX ssn is XXXX account number XXXX this was for 36 mo wi state law sz after maturity date you can not charge more than 2.75 interest there are charging me 120 % still after the maturity date please remove from my credit report since this is done illegally
Product: Credit reporting, credit repair services, or other personal consumer reports

REGARDING BELK/SYNCHRONY. 
I AM THE OWNER OF ACCOUNT AND ADDED MY DAUGHTER AND DAUGHTER IN LAW. MY ACCOUNT IS PAID OFF. THEIR CREDIT DROPPED 25 POINTS. WHY?

MY CREDIT SCORE IMPROVED, BY 25 POINTS! SO WHAT IS GOING ON WITH THIS COMPANY? ARE THEY LEGITIMATELY ALOUD TO LAWFULLY DO THIS?? 
HOW CAN YOU PURCHASE YOUR FIRST HOME IF THE PRIMARY CARD HOLDER CREDIT SOARS AND THEIRS DOESNT???? WHY DID IT DROP???
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OFIDENITY THEFT. I WAS ADVISED BY THE FTC AS TO MY RIGHTS AS AN IDENITY THEFT VICTIM. I SENT AN AFFIDAVIT. I WAS CARFUL TO INCLUDE ALL FRAUDULENT ACCOUNTS AND ADDRESS WHICH NEEDED TO BE REMOVE FROM MY ACCOUNT. I WAS INFORMED THAT THE BUREAU AFTER RECEIVING PROPER IDENITY THEFT AFFIDAVIT. IT HAD BEEN SEVERAL MONTHS AND XXXX XXXX XXXX SRE STILL REPORTING THESE FRAUDULENT ACCOUNTS ON MY PROFILE. THE LAW IS VERY CLEAR AS TO THE CIVIL LIABILITY AND REMEDY AVAILABLE TO ME ( SECTIION 616 AND 617 ) IF XXXX FAILS TO COMPLY WITH THE FEDERAL LAW. XXXX HAS FAILED TO COMPLY WITH THE FCRA LAWS AND THEY HAVE NOT BLOCKED OR REMOVED THESE FRAUDULENT ACCOUNTS WHICH WEREOPEN BY THE THEIF AND NOT ME. PLEASE CONTACT XXXX ABOUT THEIR ILLEGAL BEHAVIOR AND HAVE THEM COMPLY WITH FEDERAL LAW AND RESPECT THE RIGHTS OF IDENTITY THEFT VICTIMS.
Product: Credit reporting or other personal consumer reports

Capital one bank on XX/XX/2023, ran my credit as a hard inquiry with all three credit bureau without my consent. I have not yet received a letter with my consent from Capital one that I authorize them to run my credit. I need this hard inquiry removed from XXXX, XXXX and XXXX its hurting my credit score.
Product: Payday loan, title loan, personal loan, or advance loan

I received an email from XXXX, loans handled by Affirm, stating a refund in amount of {$53.00} XXXX is due to me for loan ID XXXX. The email is dated XX/XX/12, no refund received to date. I attempted to verify payment sent, unable to do so, appears nothing sent to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : $ XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Balance : {$2100.00} XXXX XXXX XXXX  Balance : {$860.00} XXXX XXXXXXXX Balance : $ XXXX XXXX XXXXXXXX Balance : $ XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2600.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$590.00} 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Santander Consumer USA reopened my closed account that was showing on my credit report closed for 3 years but for some odd reason its been opened back up and reported late and charge off in remarks. I disputed the in accuracy of this account to Santander and this is what they do they reopen and put bad remarks on my credit bureau. This is a fraudulent act by this company and needs to be dealt with so they can not do this to nobody else. By them doing this it has brought my credit score down 53 to 60 points. I would like for you to delete this company with the credit bureaus it has been reporting on my bureaus for 4 years and 10 months and I'm tired of it I do not owe them any money I gave them their vehicle back in XX/XX/XXXX because it was no good and they stick me with the balance after they sold the car please help me with this company as they are putting false information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was close on 2016 It was cancelled by me from a Capital One Company. This is my 4th time trying to dispute this Credit Card from my Credit. They not removing it or they dont want to, but I want them to understand it have been more than 2 years already on my Credit and I closed it. I dont own nothing either so whats the problem?.
Product: Checking or savings account

I had a checking account in good standing with a Chase Bank for several years. On XX/XX/2020 without any prior notification ... the checking account was frozen by Chase Bank, and has been closed. 
I found out because checks written to pay utilities and a credit card were declined payment. 
I immediately contacted Chase a Bank local branch as well as their main customer service number and fraud department. I was told that they would not provide me ANY information, and did not want my business. I was also informed that I could not withdraw my funds. I have since had numerous visits to the local branch, and several calls to the main customer service numbers. 
I was told by both that my complete funds were being overnighted to me. 
Nothing has arrived to date. All deposits into this checking account have been direct deposit from payroll ( husbands employer ) and Social security for last several years. Recently on XX/XX/2020 a deposit was direct deposited from the IDES PUA Fund.  This was a legitimate deposit for Funds I applied for from the State of Illinois ... due to the Covid 19 shutdown of my employment. I applied for IDES PUA relief on XX/XX/2020 and received a check for relief and funds for all weeks that I have been affected dating back to XX/XX/2020. 
On Tuesday XX/XX/2020 after several more calls to the local branch and Chase Bank customer service ... we received a call from the local bank branch manager ( XXXX ) saying that I had to come in and show them my paperwork proving my claim information with IDES Dept of Unemployment for Illinois. 
This is extremely confidential information ... but, I went immediately to the local branch and supplied all the copies of my valid active claim including claim ID # and printed list of all weeks certified and paid by IDES Dept of Illinois PUA benefits and dates totaling amount of direct deposit made to Chase Bank on XX/XX/2020. No one will still confirm to us what is the cause of closing our account and holding our funds in this account from us. We still are not able to get our money in the account ... or be told when they will release funds. 
We have done NOTHING wrong. We have trusted Chase Bank with our money, and been upstanding customers with no prior issues. 
We are being treated like criminals and very rudely. At this time ... we only want to withdraw our rightful funds and continue to be able to pay our bills and get groceries, etc. Chase Bank is holding us XXXX. It has now been weeks! 
Local Branch of Chase Bank is located at XXXX XXXX XXXX XXXX, XXXX XXXX Illinois XXXX. Local Chase Bank branch phone # XXXX ... 
Or ... XXXX Local Chase Bank branch manager contact name is XXXX. 
Please help me ... we are confused and in need of solution!
Product: Credit reporting, credit repair services, or other personal consumer reports

CapitalOne credit card Company states the item is a write off with IRS in XX/XX/2022 and is currently sending me a XXXX. 
XXXX XXXX and XXXX is currently reporting it monthly as a late payment.