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

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


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 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: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX regarding them reporting a account that is over 10 years old on my credit report they could n't locate a account by my name or social security number or address. I disputed them reporting this account under my new bankruptcy in XXXX chapter XXXX. This debt should have been deleted a longtime before I filed bankruptcy but they added themselves as if this was a new or was due at the time of my bankruptcy. I asked then to remove it. I will not let this sit on my credit another 10 plus years .They verified this account being reported correctly XXXX/XXXX/XXXX but when I called them they had no information.
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 XXXXXXXX 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.

15U.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. 

XXXX shows it's a closed account and Trans union shows it's an open account listed in my credit. This is inaccurate and must be removed my credit.
Product: Checking or savings account

i am a XXXX who is in a vulnerable situation with some financial problems, I bank with Wells Fargo and fell into a financial scam and the bank froze my account and close abasis of scam with no possibility of appeal on XX/XX/XXXX .i believe that this is the first time that this occur and i have had good relationship with the bank for this occur.
Product: Checking or savings account

First National Bank of Omaha sent a debit card for my account to an old address and activated the card that was never eecieved by me. XXXX became aware my account was used for fraudulent purchases, stated that an investigation would take place and that someone would be contacting me with more information. I was never contacted and never reimbursed for the fraudulent activity.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and I have found that in accordance to the FCRA XXXX XXXXXXXX XXXX violated my rights under 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I NEVER gave any consumer reporting agency, OR the above listed creditor any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and XXXX  due to the abusive and unfair practices. 
Accounts : XXXX XXXX XXXX They should be ashamed of themselves for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! This account is listed with late or missed payments and that is incorrect. According to the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed. 
DUE TO THESE VIOLATIONS OF MY CONSUMER RIGHTS, I AM DEMANDING THAT YOU UPDATE THE ABOVE LISTED LATE PAYMENTS AS OK OR PAID AS AGREED
Product: Debt collection

The name of the company is called Spring Oak Capital. The original Creditor was XXXX XXXX XXXX Balance {$6000.00} this is Reported on XXXX Account number XXXX Its not listed on the other credit bureaus! This account does not belong to me and I want this account removed from my credit report immediately! Thank you
Product: Checking or savings account

**Case XXXX XXXX **Dispute Information : ** **Unauthorized Transactions : ** I am writing to dispute the following unauthorized transactions on my TD Bank debit card : * Multiple transactions on XXXX XXXX, 2024, totaling {$6900.00}, taking my account balance from approximately {$7000.00} to {$82.00} * The transactions occurred at various ATMs, including an ATM located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX : ** On XXXX XXXX, 2024, I received a text message from TD Bank to verify a transaction. I responded " no '' to the text message, indicating that the transaction was unauthorized. However, the transactions continued to occur despite my denial. 

**XXXX : **  At the time of the text message, I was in the hospital undergoing XXXX. I did not have access to my phone or my account information during this time. I was only notified of the suspicious activity after I was XXXX XXXX XXXX XXXX. 

**Suspicious Activity : ** I noticed that my account balance was significantly lower than expected when I logged into my account. After reviewing my account activity, I discovered multiple unauthorized transactions taking place at various ATMs. The transactions all occurred on XXXX XXXX, 2024, and totaled {$6900.00}. 

**Proof of Unauthorized Activity : ** I have attached proof of the following : * A photo of the flyer notice at the XXXX gas station warning customers to check for devices attached to gas pumps that take card information and PINs * A screenshot of my account activity showing the unauthorized transactions * Proof of my XXXX  on XXXX XXXX, 2024 ( XXXX XXXX XXXX XXXX XXXX ) **Request : ** I request that TD Bank immediately investigate this matter and resolve it as follows : * Reimburse me for the full amount of {$6900.00} in unauthorized transactions * Return my account balance to its original amount of $ XXXX * Provide me with a new debit card and PIN I would also like to request security camera footage from the ATM located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX as part of this dispute. 

Please expedite this matter and resolve it as soon as possible. I can be reached if you require any additional information. 

Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

I was issued a check on XX/XX/2018 in the amount of {$11.00} due to my overpayment of the account. I waited past the allotted 180 days to deposit the check making the check void. I called to have the check reissued in the same amount by Capitol One with no solution to the issue. I have called Capitol One a total of 3 times spending 3+ hours on the phone with them which got me no where near a solution. They're claiming that they can not locate the information related to the previously issued check and I can not be issued a refund. I have the original check in the amount of {$11.00} but they still claim the information is not in their system. I just want my money that I'm entitled to.
Product: Debt collection

we attempted to get more information from 1 of the MANY phone calls they make but they weren't very helpful. 

We sent the creditor a debt validation via USPS on XX/XX/19 it was delivered on XX/XX/19. We till this day have not received any letters from the creditors.
Product: Debt collection

Hello, I was reached out to Schuerger Law Group ( https : //www.schuergerlaw.com ) via phone ( that was recorded ) on XX/XX/ indicating that they are a debt collection agency looking to collect about {$5000.00} from me through my previous university. 

During the call, I asked the representative for a validation request because the debt they indicated sounded much more inflated than the number I believe I owed. She denied me this request while berating me and yelling at me through the phone. I immediately told her to escalate the call to her manager and asked for a validation request through him, and he agreed. In the email I received to opt-in to their communications, I responded ( attached ) indicating the amount I owed about and a list of questions I am entitled to ask. 

On XX/XX/, nearly 2 months later, I received what I suppose is their validation request, but it looks to be an invoice ( attached ) from the university I attended, listing a debt to be around {$1600.00}. I never received an actual Billing Statement from this group. I reached out to my university 's XXXX XXXX XXXX on XXXX to confirm the debt amount, the amount a collection agency is able to increase the debt, and the debt collection agency my debt was sent to. After gathering this information, I can clearly identify the Schuerger Law Group was providing misinformation about my debt and hoping to deceive me into paying a higher amount. I have reached out to them to let them know that I will be submitting a complaint to CFPB I also reached out to CFPB on XX/XX/ to validate whether this complaint is warranted or not, and the representative agreed that I should move forward with a complaint due to the false information provide AND because the collection agency did not provide the full scope of a validation request ( they did not provide me an option to dispute the claim ).
Product: Checking or savings account

I transferred money into my capital one 360 checking from my XXXX because the two were linked. Then when I tried to move the money from my capital one account it said there was a problem. I called them and they were kind of rude and told me I needed to verify who I am through a series of multiple choice question about me. I said sure and after I completed the questions and passed they told me they were still going to close my account cause I was high risk or something???? Who knows with that. My credit score is great I've never been in trouble pay all my bills on time and have a job.. Anyway they said they were going to send me a check of the money in my account and that was 5 months ago.. I called one more time 3 months after the first call and they said, yeah the check wasn't cash, asked me my address and I asked to talk to someone who can help me understand cause he wasnt helping. He said ok one second, put me on hold the phone started ringing and I got an answering machine.. XXXX
Product: Checking or savings account

On XX/XX/XXXX, I paid an invoice of {$390.00} to XXXX XXXX XXXX for XXXX XXXX XXXX. After making the payment, I attempted to contact the merchant several times but received no response and was unable to reach them through any available means. Concerned by the lack of communication and the failure to deliver the promised services, I filed my first dispute with Chase on XX/XX/XXXX. However, this dispute was denied, and the charge was reversed. 

Desperate to resolve the issue, I reached out to the merchant again and eventually received a response. The merchant advised me to dispute the transaction with my bank, stating that the services were never provided. Following this guidance, I submitted a second dispute to Chase, clearly stating that the service I paid for was never received. However, Chase 's investigation team denied this second dispute as well. I was informed by a customer service representative that the merchant had denied the refund request directly to the bank. 

Confused by this outcome, I contacted the merchant again, who claimed that Chase had never reached out to them regarding the refund request. To further escalate the matter, I visited a Chase branch in person and spoke with a supervisor. Despite my detailed explanation of the situation, the supervisor informed me that there was nothing further they could do other than suggest I contact the merchant again. 

I am extremely frustrated and disappointed with this experience. As a Chase business account holder in good standing, I expected a higher level of protection and support in situations like this. It is unreasonable that Chase can not refund me when I have provided all necessary documentation, including confirmation from the merchant that the services were never received and their own advice to contact Chase for a refund. Despite all my efforts, I feel that I am being unfairly denied my rightful refund of {$390.00}, and I urgently seek a resolution to this matter.
Product: Vehicle loan or lease

The car was in an accident. The loan company sent people to repossess the car, now are sending them to people 's houses that I barely know looking for it again after the already have it.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding numerous overdrafts fees I have incurred. Despite having the available funds when my transactions were authorized, I was charged a fee due to lagging postings of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient funds balances despite initially available funds. I believe these practices are unfair.
Product: Credit reporting or other personal consumer reports

I previously filed a complaint here with you. It was # XXXX. My account was fixed for 2 days and once again I can't access any of my credit information. So once again : For several years I have repeatedly tried to access my Transunion report online, to dispute, freeze credit etc. They won't fix the problem and I can't access any of my information. No one will help me. I have repeatedly, called, chatted etc. Initially I was told it was because they were using XXXX ( nickname ) instead of my full name XXXX. I sent in all the proper documentation and my report has been updated but I still can't access any of my information. I have a Transunion account online and every time i try to access anything it tells me Sorry we can not complete your request online. No one will fix the problem and this has been going on for 2 plus years. We are in the process of shopping for a house and I freeze/unfreeze my credit reports often. I need access to my account and MY information! Please get someone to actually fix this!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taking advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and is defamation of character. I can't obtain credit and can't apply for a home due to the pandemic crisis. I have been denied several jobs and denied of an SBA loan. Last but not least XXXX XXXX XXXXi has been deleted once but was added again to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my XXXX  credit report on XX/XX/2020, and noticed that there was a " Regular '' ( hard ) Inquiry that was not made by me. The inquiry was fraudulent ; made by someone trying to open a SyncBAmazon account in my name. The account was not approved, luckily. Here is the inquiry, as it appears on my credit report : SYNCBAMAZON XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/2020 Inquiry Type : Individual I filed a dispute with XXXX asking that the hard inquiry be removed. They responded that I should " contact the creditor directly. '' I called SyncBAmazon on XX/XX/2020. They agreed that the credit request was fraudulent, and said they would notify XXXX that is was fraudulent. 

When I pulled my credit report on XX/XX/2020 to see if it had been removed, I noticed that the hard inquiry was still there. So I called SyncBAmazon again on XX/XX/2020. They said they had already notified XXXX  that the hard inquiry was fraudulent ( after I had called on XX/XX/2020 ), but that it takes 60-90 days for the credit bureau to update their information. They also said they would notify all 3 credit bureaus again on that day ( XX/XX/2020 ). 

It has now been over 4 months since I notified both XXXX  AND SyncBAmazon. This fraudulent inquiry needs to be removed from my account ASAP, and I shouldn't have to spend so much time getting it fixed.
Product: Debt collection

I received a notification that I had a new collection on my credit profile from Sunrise Credit Service. Original Creditor being XXXX XXXX XXXX XXXX. It stated that the account was opened on XX/XX/2025. This is false! I never opened an account with XXXX XXXX XXXX or any company whatsoever on this date. Im confused as to why this is on my credit report & would like for it to be removed IMMEDIATELY!
Product: Checking or savings account

I am writing to file a formal complaint against JP Morgan Chase Bank for their failure to comply with the regulations outlined in the Electronic Fund Transfer Act Regulation E. On XX/XX/2024, I initiated a XXXX payment in the amount of {$1500.00} to a contractor for services that were never completed as agreed upon. Despite my repeated attempts to resolve the issue with JP Morgan Chase Bank, they have refused to refund the unauthorized transaction. According to Regulation E, consumers are entitled to protections regarding electronic fund transfers, including the right to dispute unauthorized transactions and receive prompt refunds. However, JP Morgan Chase Bank has neglected to adhere to these regulations and has disregarded my rights as a consumer. 
Furthermore, I am deeply concerned about the lack of knowledge and training among the managers and supervisors at JP Morgan Chase Bank regarding Regulation E. It is evident that there is a systemic issue within the bank that needs to be addressed to ensure that consumers are protected, and their rights are upheld.
Product: Debt collection

I looked on my XXXX XXXX  app to check my credit and I see a debt collection for ENHANCED RECOVERY COMPAN for a XXXX account that Ive never owned I disputed it through XXXX XXXX but I still havent heard back from them I have had the same XXXX  phone account with the same number for almost 6 years. I really would appreciate it if they remove this fraudulent debt from my credit report.
Product: Mortgage

Applied for COVID Loan Mod on : XXXX Denied XXXX Denied- could do a short sale XXXX applied and denied on XX/XX/XXXX I appealed the denial from XX/XX/XXXX Was approved for FHA/ HAMP Modification but only drop my payment of {$54.00} and the payment is more than 50 % of my income, I was never reviewed for COVID FHA 40-year loan Modification during these times. 
Mr. Cooper stated in an email that FHA DOES NOT offer a COVID FHA 40-year loan Modification. 

I contacted HUD about this. XXXX emailed Mr. Cooper on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX She also requested a supervisor to respond to me. I have never had a supervisor contact me. 
XXXX from HUD - sent Mr. Cooper emails on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX- I applied for help on XX/XX/XXXX and XXXX  XXXX XXXX  has requested information from Mr. COOPER multiple times since XXXX and they haven't responded.
Product: Debt collection

I filed a dispute stating the debt First Credit Services , Inc. was trying to collect was not valid. I furnished them with the email requesting cancellation of the membership and conflicting amounts that were claimed to be owed within the allotted time frame via certified mail. This company reported this debt without an investigation or any communication after my dispute was sent. They did not even report it as disputed. Which is illegal.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Product: Debt collection

In 2021 I received a notice that an account in my name was in collections, however, there was never an account opened by me during that time. I have searched back through 10 years of records and they are stating it's a 9 year old account that they purchased from Synchrony, however, we have no record of opening that account. I have never opened any accounts in JUST my name as I haven't worked for almost 20 years. My husband has never opened an account for me alone and we do not own credit cards. 

We tried to file a dispute last year with a demand letter and they have yet to provide information showing this was our account.
Product: Mortgage

LOAN NO : XXXX XXXX # XXXX XXXX : XXXX XXXX XXXX DECEASED ) PROPERTY ADDRESS : XXXX XXXX XXXX, XXXX, Washington, DC XXXX My father, XXXX XXXX, had a reverse mortgage on his home at XXXX XXXX XXXX, XXXX, Washington, DC XXXX in the approximate amount of {$210000.00}. XXXX XXXX passed away on XX/XX/XXXX. As his daughter and sole heir to the home, I was required to pay the balance of the reverse mortgage. As the home owner, I refinanced the home by taking out an FHA loan to pay off the reverse mortgage. My settlement took place on XX/XX/XXXX and {$210000.00} was disbursed to Reverse Mortgage Solutions XXXX XXXX XXXX via a wire transfer on or about XX/XX/XXXX. The total of {$210000.00} was based on a XX/XX/XXXX payoff instead of an XX/XX/XXXX payoff. XXXX failed to provide my settlement company with an accurate payoff statement in a timely manner. In summary, XXXX owed me funds XXXX interest refund ) based on the XX/XX/XXXX settlement date. XXXX issued a check in the amount of {$350.00} to the " estate of XXXX XXXX XXXX XXXX XXXX '' and did not issue the check payable to me instead. I am requesting that the check be issued to me instead. Please note that XXXX XXXX was previously XXXX XXXX ' financial XXXX. However, XXXX XXXX 's role terminated upon my father 's death. In summary, I personally paid off the reverse mortgage via the FHA loan refinance and the funds should be paid to me. Due to the fact that the check was sent to XXXX XXXX 's office, my privacy regarding details of the refinance was compromised. XXXX staff were well aware that I paid off the loan and should never have sent the check to XXXX XXXX who was not involved in the payoff of the reverse mortgage in any way. I am requesting that XXXX pay an additional {$640.00} to me for disclosing personal information to a party outside of the transaction XXXX XXXX XXXX XXXX. I am requesting a check for a total of {$1000.00} XXXX {$350.00} + {$640.00} XXXX.