23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On my XXXX credit card statement from XXXX XXXX XXXX, I had a balance due of {$7700.00}. I paid this balance in full on XXXX XXXX. On XXXX XXXX, without any notice or warning to me, XXXX XXXX XXXX withdrew an additional {$7700.00} from my personal checking account. I asked them to refund the money and their initial response to me was that they would issue a refund in 5 -7 days. I contacted them today, as the seven days were up, and they said it could be another seven days before a decision is made to refund me my money. They said this was because the refund was over {$7500.00}. I told them this was creating a financial hardship, and that they had no right to make the withdrawal from my checking account as no payment was due. Their response was, we are sorry, but they have a policy. I asked to see the policy, and they refused to do so. I have never had such treatment from a major financial institution. It was their error, they acknowledge that. They should be refunding the funds promptly. 

No one at XXXX XXXX XXXX has expressed any doubt that I am due a refund. They are just holding my money, and not keeping their promises as to when they will give it back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX  and XXXX  are reporting accounts that are fraudulent and inaccurate. 

***XXXX XXXX- Filed chapter XXXX bankruptcy Cant Validate loan.  Told from XXXX   XXXX XXXX XXXX has debt XXXX XXXX stated to cfpb they dont have an account with my name ( How can you verify an account that doesnt exist ) *Credit collection- recalled debt XXXX- recalled debt *XXXX XXXX   recalles debt XXXX XXXX- couldnt validate debt or payment history. 

XXXX XXXX reporting inaccurate payment history and cant validate debt. 

XXXX- cant validate debt How are you verifying debt? 
Need proof.
Product: Debt collection

This company XXXX XXXX XXXX  was sold to XXXX XXXX ( a debt collection company ) and both companies are trying to collect on the debt hurting my score.
Product: Credit reporting or other personal consumer reports

i already had my complaint already ( now they asked me for additional information, the add Info is : name of the company 's ( LEXINGTON LAW FIRMXXXX XXXX XXXX ) ADDRESS 'S : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX PHONE # XXXX XXXX XXXX. 
I already have a existing complain this is the info needs
Product: Credit card or prepaid card

Credit Card Statement showed that the prior period 's balance or " Statement Balance '' was paid in full/excess.

New charges for the current period were treated as an outstanding balance and charged interest. The charges should not have been accrued on the Statement Balance and subject to interest until the next period.

After calling the company the representative reviewed the statements and agreed that interest should not have been charged as the current due balance was fully paid. The representative agreed to reimburse the interest charged to the credit line.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Identity was stole credit report fraud and I came out of pocket paying to get my credit fixed
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX This collection company XXXX XXXX XXXX is fraudulently & illegally reporting on my credit report.

I am allowed under the HIPAA law ( Health Insurance Portability & Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges.

- Please provide me a copy of my signature with the provider of service to release my medical information to you.

-Immediately cease any credit bureau reporting until debt has been validated by me Please note that withholding the information you received from any medical provider in an attempt to be HIPPAA complaint will be a violation of the FDCPA because you will be deceiving me after my written request. Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from the collection agent.

PLEASE DELETE THIS ACCOUNT IMMEDIATELY
Product: Mortgage

Our family was financially impacted by COVID-19 in XXXX and we requested help from PHH Mortgage to reduce our Mortgage payments via a loan modification. The agreement offered by PHH was that if we were offered one, we could not use the CARES act forbearance period. 
We were told it would only take 30 days to process, but they denied the request for a loan modification after almost 60 days of weekly phone calls and back-and-forth emails. 
Once we received that notice, on XX/XX/XXXX we requested the CARES Act Forbearance for our XXXX XXXX-backed mortgage per the terms required by HUD and XXXX XXXX. We were informed it would take 10 days to process our request and come to a decision, however they missed that deadline and say it's under review. They have stated they will not communicate any decision on our request except via standard US mail.

I would like to highlight that they are not allowed to deny this request, and there should not be a 10-day research and review period to do so. Also, this company has dragged their feet at every step of this process and while we understand that they are inundated with requests, something this straight forward should not require that we make four ( XXXX - XXXX, XXXX, XXXX, XXXX - we have no expectation that we will be allowed to forebear until XXXX or XXXX at the earliest ) on time, in-full payments while we are hemorrhaging savings, which is exactly what this delay has caused or it will cause irreparable harm to our credit and per the PHH website they will put us into foreclosure and continue the action after the forbearance period is over. 
They will also only approve 90 days and require us to re-apply at the end of the 90-day period, even though they are REQUIRED by XXXX XXXX to issue it at 180 days. 
We have never missed a payment on our mortgage in 15 years. This is absolutely unacceptable for this unprecedented time.
Product: Debt collection

Did not receive notice of debt or opportunity to dispute Provided an estimate if the debt made out to another person My signature not on any documents just a name similar to mine
Product: Debt collection

On multiple occasions, I have attempted to contact NCS in order to resolve disputed charges. Every time I try to ask questions regarding the portion of the debt that I am disputing, the Collection Representative XXXX XXXX refuses to answer any questions about what documentation they will accept. He will then say that the conversation is over and hang up on me, or say I can talk to a supervisor and then hang up on me instead. This has happened every single time I have called them regarding my account. It is impossible to make any progress if they refuse to give me any information on what they will accept as proof of my claims.
Product: Checking or savings account

On  XXXX / XXXX / 17  I activated the mobile application "  XXXX  '' on my cellphone, in order to use this app it requires information from my Bank Of America checking account to be released. It is now  XXXX / XXXX / 17  and Bank of America has not cooperated with my request to release the information to "  XXXX  ''.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Equifax for Violations of 15 USC 6802 and 15 USC 1681b Resulting in Unauthorized Accounts, Addresses, and Inquiries Dear Sir/Madam, I am filing a complaint against Equifax for violations of 15 USC 6802 ( Gramm-Leach-Bliley Act ) and 15 USC 1681b ( Fair Credit Reporting Act ), which have resulted in significant harm to my credit report and financial standing. 

Details of the Violation : Unauthorized Accounts : Several accounts were opened in my name without my knowledge or consent. 

Unauthorized Addresses : Incorrect and unauthorized addresses were added to my credit report, which do not belong to me. 

Unauthorized Inquiries : Inquiries from creditors I have no relationship with appeared on my credit report without my authorization. 

Impact on Me : As a result of these violations, my personal and financial information has been compromised, leading to severe stress and significant financial consequences. This includes difficulty obtaining credit, potential financial losses, and emotional distress caused by identity theft. 

Actions Taken : I have taken the following actions to address these issues : Filed an identity theft report with the FTC ( Report Number : [ FTC Report Number ] ). 
Submitted disputes with each credit bureau, including Equifax, to remove the unauthorized information. 
Requested Resolution : I request the following actions to be taken by Equifax : Immediate Deletion : Remove all unauthorized accounts, addresses, and inquiries from my credit report.

Investigation : Conduct a thorough investigation into how my personal information was mishandled and ensure corrective actions are implemented. 
Assurance : Provide assurance that Equifax will comply with 15 USC 6802 and 15 USC 1681b to prevent such incidents in the future. 
Corrective Actions : Take appropriate actions against the responsible parties to prevent recurrence. 
I appreciate your prompt attention to this matter and request confirmation of the actions taken to resolve my complaint. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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, credit repair services, or other personal consumer reports

This account is not mine. This is not my legal name and this company has unlawfully been ruining my credit. They don't have my signature and I never received any documentation stating I had an account
Product: Student loan

I was unemployed due to medical reasons in the past and my federal loan provider only offered Deferments and Forbearance 's. They only gave me the option for an Income driven plan after I ran out of Deferment 's and Forbearance 's. I FEEL like I was intentionally led to the wrong options at the time causing the interest on my loans to escalate to a ridiculous amount. The dates are from XX/XX/XXXX to XXXX. 
The amount is XXXX. No actions have been taken.
Product: Payday loan, title loan, personal loan, or advance loan

I got a title loan from this Mid American Title Loans LLC on XXXX. The company loaned me initially what was said to be {$1000.00} but in order to get the loan I had to allow them to keep {$300.00} out of the {$1000.00} therefore only providing me with {$700.00} to leave the business with. However after reviewing the contract after I left the business, I noticed it states i was given {$1000.00}. In fact i was not given {$1000.00} and the contract does not state where the other {$300.00} went. The worker XXXX gave me cash out of her pocket claiming that it was legal to do so. On XXXX the business Mid American title loan hired a repossession company to pick up my car. When the repot company showed up at my residence I clearly stated my desire for them to leave and even called the police because the man driving the tow truck harmed my wife as well as caused damage to my vehicle when he attempted to lift my car with my wife sitting on the car knocking her off to the ground as well as did not have his tow truck equipment connected properly when he lifted my car doing damage to my engine and ripping off parts of the undercarriage protecting my engine. Even after the police showed up, the repot man did not leave and even stayed for about 4 hours with me sitting in my vehicle. He attempted to coerce the police into forcing me to get out of my vehicle which was successful at first due to the threat of me being arrested if i did not get out of my car. I asserted my right to be left alone and that this was a breach of the peace and that law enforcement should never get involved with helping a repot agent repot a vehicle. Clearly a breach of the peace occurred and this is wrong. Also the repot man, after the police left, stated to me that he had a XXXX in his tow truck i believe in an effort to scare me out of my car. I have video of most of this breach of peace occurring.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold a townhouse and purchased a condominium on XX/XX/XXXX. Only the condominium was financed through US Bank Home Mortgage. 

In XX/XX/XXXX US Bank Home Mortgage erroneously paid property taxes on the townhouse I had previously owned. This put my escrow account in the negative. It appears that they didn't figure this out until XX/XX/XXXX. Since then I've been charged penalties, late fees and received certified letters threatening 'additional action '. 

I have called customer service about 24 times to discuss this. As the arrearage was not due to an error on my part, I disputed their assertion that I needed to pay for their error. 

I've talked to actual customer service personnel ( in the Escrow department ) a dozen times and have been promised a resolution by their specified date each time. 

They have currently fixed the underlying issue about their error paying property taxes for property I do not own, but not the effects of that error. As you can imagine, my Credit Scores have fallen 150-200 points. I called 'customer service ' again today because their online system now says that my loan balance is {$0.00}. I'm blocked from viewing any details because of the status of my account. Customer service didn't answer but I was given the option for them to call me back within 15 minutes. It's been an hour and they have not responded. 

I'm sending them an Error Resolution Notice under 12 C.F.R. 1024.35 via certified mail today but I have little faith that they will correct the error.
Product: Credit reporting

I have XXXX broken apartment Lease agreements ( not mine ) from my ex husband being reported on my credit I have sent XXXX letters asking them to be removed ( XXXX one in XXXX 2015 then every 45 days following ) and sent attached copies of my divorce etc ... They refuse to investigate or contact the leasing company to verify this info so I am at a loss of where to turn ... .The leasing co are XXXX XXXX XXXX and XXXX in XXXX XXXX Texas
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 


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 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

XX/XX/scrub>XX/XX/XXXX  Notified by Credit Report that my Citicard had been compromised- placed all credit cards on credit freeze through all four credit reporting agencies. 

XX/XX/XXXX Placed Citi Credit Cards on Purchase Freeze ( No transactions should be processed ) I have called and asked that all my accounts be closed on the following dates : XX/XX/XXXX asked that accounts be closed as Citibank continued to post charges to my cards I had on freeze. 
XXXX at XXXX XXXX - Again requested accounts be closed as I had received charges from a casino in XXXX, I've never been to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed an unknown medical debt with Transunion. They claim to have verified its accuracy with a letter to me on XX/XX/XXXX. Both of these communications are attached. 

I requested validation of this same medical debt with the collection agency on XX/XX/XXXX, and received no response. Even after filing a complaint with the CFPB ( complaint # XXXX ), this collection agency says they " need more time '' to provide any proof of this debt. 

So how is it possible Transunion- on XX/XX/XXXX - could legitimately verify a debt that even the agency reporting that debt can't verify??
Product: Payday loan, title loan, or personal loan

In XXXX I was diagnosed with XXXX. i used up my FMLA and was unable to work. I never had trouble paying the, even though i was paying back three ties the amount given. At the time I called the company and told them about my situation and the fact that I had no income. I have now received social security but it only covers the Cobra insurance so I can receive my treatments. Then COVID 19 came and the lockdown. At the time I owed XXXX dollars, that they could write off but instead of seeing how I had already over payed them, they started to call me frequently. I know they could worked with me better. They prey on desperate people with good intentions. The pay back amount should be illegal. You may say we see the terms, but they also see our income and know the possibility of hardships. I have paid them back thrice the amount.
Product: Credit card

I recently applied for credit less than 30 days from the date of this communication & earlier this year in XXXX. I was denied both times. This denial is discrimination. Regardless of the reason for denial, I have the right to access credit, especially my credit. It is especially disturbing if my application is being used as a security for the company 's benefit and not mine. Withholding access to my securities is security fraud. Clearly violating the Equal Credit Opportunity Act & Consumer Protection Act. Since they are denying me my credit either they can please retract my application or reconsider this denial and make available my credit. 

Thank you XXXX, XXXX Attorney -In- Fact XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress.This was my 5th attempts to get this matter resolved. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The 3 credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information that are reporting to my credit file held with credit bureaus. These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to remove the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened my account. I need the following items removed from my report ASAP : XXXX XXXX XXXX XXXX, AR XXXX ; XXXX, AR XXXX ; XXXX XXXX Balance Owed : {$600.00} ; XXXX XXXXXXXX XXXX XXXX Owed : {$680.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX Balance Owed : {$600.00} ; XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX Balance Owed : {$600.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.