23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XX/XX/year> 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 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 ) 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

In accordance with 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15USC 1681sec 602 states I have the right to privacy 15USC 1681 sec 604 A section 2 states a consumer reporting agency can not furnish a account without my written instruction.
Product: Mortgage

I have a XXXX in my office who appears to be a victim of Reverse Mortgage Scam. He is being billed for XXXX and he states he has never received any money from anyone, that either he is a victim of identify theft or mortgage fraud. I called the company who confirmed he indeed had the debt.
Product: Bank account or service

In XXXX, I had savings account and XXXX CD 's with CIT Bank ( XXXX. XXXX XXXX, XXXX, MO XXXX ). These accounts were closed in XXXX. I waited and waited for XXXX XXXX. Finally, on XXXX XXXX, XXXX, I called CIT Bank ( CIT ) and discussed this matter with XXXX who told me that all XXXX 's were mailed on XXXX XXXX, and that the XXXX should be coming soon. I waited and waited again, but, no XXXX until XXXX XXXX when I called CIT Bank again and discussed it with XXXX who blamed it on the post office. I then asked XXXX to overnight to which she agreed. I told her that CIT is closed for me and I am not allowed to do business with the bank. I waited again and looked for it every day. 

On XXXX XXXX, XXXX, I called XXXX again and discussed it with XXXX who gave me the shocking news as follows : A ) The XXXX was mailed on XXXX XXXX and not on XXXX XXXX as promised, and B ) The XXXX was not mailed by overnight mail as promised but by ordinary mail. It is beyond my understanding that why CIT will abuse its customer in this fashion. First CIT violated IRS law by not mailing XXXX by XXXX XXXX. Second, CIT promised to overnight. CIT did not overnight, nor CIT informed that the XXXX will is being mailed after 4 days by ordinary mail. 

It should be noted that CIT terminated all my accounts in XXXX and I cut me off from the bank business ( another story that is irrelevant here ). I will submit ( by fax ) the termination letter for your information and action. I had no access to the information on the web site due to termination of my accounts. I had to cancel my appointment with my tax accountant 3 times. I will probably get XXXX around XXXX XXXX or XXXX. I may not be able to file my tax return within the time since I have an overseas trip coming soon that I can not postpone or cancel without losing hundreds of dollars. I will cost me extra money ( {$150.00} to XXXX ) to file addendum tax again. I want CIT to pay this cost amounting to {$150.00}. 

How can a bank delay XXXX delivery and get away with it is beyond me. CFPB should not tolerate this kind of behavior. CIT has made my life miserable causing extreme frustration, economic loss and loss of my precious time. Their license should be cancelled. They keep on violating XXXX law repeatedly. 

I am a XXXX American who feels extremely helpless. I just can not take any more abuse. CIT has put me and my wife to tears. Your help will be God sent. 

Sincerely yours, XXXX XXXX XXXX Attachment : Termination letter to be faxed later ( I do not know the fax no. )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Date of Birth : XXXX ID Type : Drivers License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX  XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX California ( Open Date : XX/XX/XXXX ) Account # : XXXX Rout # : XXXX Bank : XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Rout # : XXXX Bank : XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Rout # : XXXX Bank : XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Rout # : XXXX Bank : XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Rout # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings consumer report immediately! Ive attached a copy of the report to this request. 

Thank you for assistance. 
Sincerely, XXXX XXXX
Product: Debt collection

I received a letter that is identified as XXXX XXXX XXXX. The letter is dated XX/XX/XXXX. The letter purports that I owe XXXX XXXX XXXX  {$8500.00} related to the time period of XX/XX/XXXX to XX/XX/XXXX. The account from XXXX XXXX XXXX is identified as two different account numbers. The letter does not provide an email address for me to respond to. The letter does not identify how or where the charges accrued. The letter demands that I send personal information, including a copy of my drivers license and my social security number, by the end of XXXX or my account will be sent to collections. This looks a savvy scheme to collect identity information and financial information on a person.
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 accounts 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 accounts 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 accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$8300.00}, CHILD SUPPORT ENFORCEM XXXX DATE OPENED XX/XX/XXXX BALANCE {$0.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$1300.00}, XXXX XXXX XXXX XXXXXXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$680.00}, and XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX  ) XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00}. 


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: Debt collection

Lending company continues to report fraudulent debt, vehicle was not repossessed, vehicle has been charged off, company continues to report account as open. No validation as to debt amount owed and or trade in value. Lending company sold flooded vehicle to consumer with illegitimate warranty.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, My husband and I financed a vehicle through XXXX XXXX XXXX. During the loan XXXX XXXX Now illegally activated a remote disable device on my vehicle preventing medical transportation, and violating state pandemic protections. Governor of Illinois XXXX order number XXXX to be more precise. 

In XX/XX/XXXX, my husband and I fell ill with XXXX. Unable to properly access healthcare, because of issues with transportation his XXXX unfortunately relapsed and he now requires permanent XXXX and XXXX which he will have to be on for the rest of his life. 

We notified XXXX Now of our hardship due to the pandemic and the financial burden it had caused. We voluntarily surrendered the vehicle on XX/XX/XXXX, as instructed. However XXXX XXXX Now unlawfully garnished my husbands wages without notice or a valid court order. Then a month later they returned a portion of what they had his job garnish. To this day we're still confused as to how they came up with the amount question why the amount and why the return of a portion of it. We asked them in our certified letter to explain this as well. Before sending the certified letter XXXX XXXX Now, My husband made a call to the XXXX Now office to request information on the amounts stated on our credit files. We wanted to know if the vehicle was sold because if so, we werent given credit for it, as well as questions regarding the wage garnishments. The woman he was speaking with in the finance office, literally laughed when my husband was trying to explain his illness. This is very discerning. She referred to him as not being truthful about his XXXX and the XXXX issues we experienced. Not only have they violated so many laws and regulations but to laugh at someone being seriously ill is beyond comprehension as well as professionalism. 

We disputed this improper debt collection and requested validation, XXXX XXXX Now failed to provide, violating the FDCPA. The invalid repossession also continues damaging both of our credit unlawfully. 

XXXX Nows willful disregard of the FDCPA, state debt collection laws, wage garnishment laws, and pandemic protections have unjustly harmed us. I request an investigation and enforcement action against XXXX Now for : - Illegally disabling my vehicle during state pandemic restrictions- Unlawful wage garnishment without notice or court order - Failure to validate disputed debt as required by federal law - Inaccurate credit reporting and wrongful repossession notation, collections - Lack of response to consumer complaints and violations
Product: Mortgage

In XXXX of 2018, Ditech Financial requested a homeowner 's insurance declarations page from our insurance company XXXX XXXX. XXXX XXXX  sent them the wrong page that included more than just the home portion of our farm policy. Ditech paid on that XXXX page which was substantially more than necessary. This threw our escrow account into a negative balance and caused our house payment to skyrocket. When I finally realized what had happened we tried many times to get this situation rectified all while continuing to make our normal house payment. It took 2 YEARS for them to fix this. They assured us many times that it would get fixed in a timely manner and because Ditech declared bankruptcy in the midst of our dispute we were lost in the mix many times. It was nearly impossible to talk to anyone who could help. Our home was even thrown into foreclosure! 
When we finally got things fixed they assured me that they would rush letters to the 3 credit bureaus so that the negative marks on our credit would be corrected. They still have not done this and I can no longer get anyone to help me because they sold our account to another mortgage company during their bankruptcy. Our business and our good credit have been negatively affected by their mistake and they need to fix it.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft stemming from multiple major data breaches, including the XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX Companies breaches, in which these incidents exposed my consumer data and other potential personal sensitive information such as name, contact details, Social Security number, financial data, and credit card information, leading to unauthorized use of my identity. 

On XX/XX/XXXX, XXXX publicly disclosed that a significant data breach occurred on XX/XX/XXXX, due to hackers. This breach, revised in XX/XX/XXXX, affected all three XXXX accounts, compromising names, email addresses, phone numbers, birth dates, passwords, calendars, and security questions. On XX/XX/XXXX, XXXX disclosed a major data breach that occurred between XX/XX/XXXX and XX/XX/XXXX, exposing consumer data, including names, addresses, phone numbers, email addresses, and other sensitive personal information. In XX/XX/XXXX, XXXX XXXX XXXX revealed a breach that occurred in XXXX. Malicious software installed on its payment processing network exposed payment card data for an estimated XXXX XXXX accounts. XXXX XXXX XXXXXXXX breach, disclosed in XX/XX/XXXX, involved hackers accessing the companys payment systems from XXXX to XXXX, compromising over XXXX XXXX debit and credit card numbers. In XXXX, the XXXX XXXX XXXX ( XXXX ) suffered a breach where hackers exploited vulnerabilities, compromising names, Social Security numbers, and financial data for millions of consumers. Finally, in XXXX, XXXX Companies disclosed a breach that began as early as XXXX. Hackers infiltrated the companys network and stole data, including credit and debit card information, affecting over XXXX XXXX accounts. Given the extensive scope and frequency of these breaches, I have substantial reason to believe that my compromised personal information has been used to open unauthorized accounts in my name. 

These fraudulent accounts consist of a personal credit card with XXXX XXXX on XXXX, a personal credit card with XXXX  XXXX XXXX on XXXX, a personal credit card with XXXX XXXX on XXXX, a home mortgage loan with XXXX XXXX XXXX on XXXX and hard inquiries with XXXX XXXX XXXX  on XXXX, with XXXX XXXX on XXXX, XXXX on XXXX, with XXXX XXXX XXXX XXXX, with XXXX XXXX XXXX  via XXXX XXXXXXXX XXXX XXXX on XXXX and with XXXX XXXX XXXX  XXXX XXXX XXXX. These accounts have resulted in several fraudulent charge-offs, closed accounts, and multiple fraudulent hard inquiries appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports pursuant 15 U.S. Code 1681c2, not later than 4 business days after the date of receipt, and I demand that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint ( # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of Identity Theft and Fraud.
Product: Debt collection

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the

items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnion about victim of the inquiry issues and they couldn't help me removed this items that do nit belong to me 1. XXXX XXXX inquiry from XX/XX/XXXX bank 2. XXXX XXXX inquiry from XX/XX/XXXX bank 3. XXXX XXXX inquiry from XX/XX/XXXX mics 4. XXXX XXXX  inquiry from XX/XX/XXXX national credit cards / airlines 5. XXXX inquiry from XX/XX/XXXX national credit card /arlines 6. XXXX XXXX XXXX inquiry from XX/XX/XXXX automotive 7. XXXX inquiry from XXXX XXXX XXXX  bank 8. dep pf ed inquiry from XX/XX/XXXX government
Product: Credit reporting or other personal consumer reports

I REQUESTED THESE ACCOUNTS BE DELETED AS WAS DELETED FROM XXXX AND NOW PUT BACK ON ALL 3 CREDIT BUREAUS. PLS SEE ATTACHED AND DELETE ALL ACCOUNTS OR GIVE METHOD OF VERIFICATION. 

The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. AccountXXXX 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: Debt collection

This company is trying to collect a debt not owed due to identity theft. I have provided the company with FTC report as well as police report. This company reports a false address. I have lived at the same address the last 31 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted dispute on XXXX XX/XX/XXXX requesting incorrect information be updated and corrected for an old Tidewater motor credit account from XXXX. Account was reported as charge-off and updated every month currently as late. This information is incorrect and should be reporting as a XXXX balance and bankruptcy discharged XXXX  XXXX. I also attached court documents with dispute reflecting as so. But, dispute returned as accurate and amount owed increased and then Tidewater motor credit reported additional late payments which caused my credit score to decrease XXXX points and damaged my credit and opportunity for mortgage loan approval. I called Tidewater motor credit about 5x on XX/XX/XXXX and was advised I was not found in their system, then I was transferred multiple times. After my fifth attempt, I was given a ( XXXX ) XXXX telephone number. Finally, I spoke with a representative XXXX and I advised the representative of the situation. I sent XXXX at Tidewater motor credit in writing with letter request of validation of debt owed to XXXX email on XX/XX/XXXX. I would like the situation resolved and it be reported correctly to all three credit bureaus as soon as possible!
Product: Credit reporting, credit repair services, or other personal consumer reports

Mountain Land Collections is reporting a debt on my credit file that is not mine. They are reporting a hospital visit dated for a time where I was not able to be there. At the time of said visit I was actually incrassated, while I was incrassated someone stole my identity and used it for this medical visit. I have filed a police report, # XXXX with the XXXX police department. This is not my debt, I do not owe this debt, and I demand this debt be removed from my credit file. It is not mine.
Product: Bank account or service

I have received late fee charges from Bank of America that are not legitimate. I 'm not say all fees from the life time of my account but there has been many of times where Bank of America has changed the order of my withdrawals to have me have 2-3 late fees instead of one late fee. example my first few charges will be for XXXX and XXXX dollar charges. then a charge for XXXX will come after. Instead of paying the first 3 charges in the order they come out the bank account Bank of America will change the order of the withdrawals to make more late fees. The last three fees I had in one day. I did speak to two supervisors and the second one took off one fee and I asked to have a manager to call me and he stated he would not take off the other fees. I asked to speak to the higher manager who was suppose to call me within 24-48 hours who never called .I do have alerts on my account that do not always work which Bank of America has given me late fees back in the past.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a disputed to all three credit bureaus against XXXX XXXX open balance of {$65.00} in XXXX. XXXX XXXX XX/XX/2021 XXXX immediately removed outstanding amount from Credit Report however Equifax and XXXX  came back that the amount was valid. I proceeded to submit ( XX/XX/2021 ) the dispute report from XXXX  and Equifax is currently researching for over 30 days and XXXX  came back that the amount was valid. I attempted to resubmit a dispute to XXXX  and I was not allowed as it was determined that the matter was closed. I then waited a few days and submitted another dispute with the XXXX XXXX report and a copy of the money order ( XX/XX/2021 ). Immediately I received an email that the dispute was valid. I proceeded to call XXXX  where I was repeatedly asked what new information did I have available. I asked the representative what additional information would be needed than proof that another credit bureau found the information needed to be removed without any documentation. However I also submitted a copy of the money order. After being asked multiple times if I had additional information the representative stated they were able to see the documentation I originally submitted and hopefully the reviewers would see it and remove XXXX XXXX from my report. However I receive multiple emails from XXXX  that the matter is being investigated and Equifax states it is still under investigation. There is no reason that this issue should have taken multiple submissions over 2 months. It should be resolved and the items removed.
Product: Checking or savings account

I had a XXXX XXXX send me a loan offer from Universal Credit. He sent me a form to fill out with my personal information and banking information to finish the loan paperwork. I felt something wasnt right because of the way he wanted to deposit the money. So, I called another number for the company and they told me that wasnt their process. So, this XXXX XXXX has my XXXX and my banking information. I spoke with the bank and they have put a hold on the account till in the morning to close out the account. XXXX XXXX had documents that looked exactly like the loan company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Did not receive method of verification. Do not feel as though a thorough investigation was done. Please see attached document.
Product: Bank account or service

I am filing a complaint on Citizens Bank for the fees and charges I incurred that were not made availablre when i signed up for account
Product: Checking or savings account

I am filing a complaint with the cfpb regarding Capital One 's failure to deposit my direct deposit from my annuity and other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer A ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are fully upheld. Thank you.