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

RE : Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Failure to Comply or delete these items : XXXX XXXX XXXX 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and these inaccurate items must be deleted from my consumer report or i will seek monetary damages in small claims court in my city and state. Also I already sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission.
Product: Credit reporting or other personal consumer reports

Filed XXXX  XXXX Bankruptcy XXXX of XXXX. I purposely did not apply for anything to ensure rebuilding of credit to purchase a new home for my family. Upon checking my Credit XX/XX/XXXX I Noticed several Hard Inquiries on Trans Union Credit report that were not authorized by myself, Which includes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On more than one occasion the credit furnisher has re-aged the date of first delequincy so that the file continues to remain on my credit history as a negative account. 
Date of first delequincy. Is XXXX of XXXX The furnisher has moved it forward to XX/XX/XXXX and recently moved it forward to XXXX of XXXX
Product: Debt collection

On XX/XX/2021, my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. She had to be taken by XXXX XXXX XXXX, XXXX XXXX XXXX. I was told by the hospital it was covered by insurance, only to find out later this ambulance service accepts no insurance! They are billing me {$8300.00} for a one way trip to the facility she needed to go to. In addition, they are charging me another {$1700.00} plus dollars for a 10 minute ride to the hospital from my house! These charges are beyond excessive. I wrote XXXX repeatedly and explained to them I can not afford this bill. I asked for financial reprieve under finaicnaoil stress situation. They never responded. I am a single mother. My children 's father XXXX XXXX XXXX XXXX years ago. Now they have me in collections. This bill falls under the " No Surprises Act '', as I have private health insurance and this company would not accept my insurance. You are not given a choice at a hospital which ambulance to use. Their XXXX XXXX XXXX program is only for those at federal poverty level.
Product: Money transfer, virtual currency, or money service

My account at crypto.com was hacked and unauthorized transfers were made.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX 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

I am submitting a formal complaint against Equifax for its failure to properly investigate my disputes concerning inaccuracies in my credit report. Despite providing all necessary documentation, Equifax repeatedly responds within 24 hours asserting the account 's accuracy without offering any proof of thorough review. 

This practice directly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation into disputed information. Additionally, Equifax 's conduct may also breach the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as outlined in the CFPBs recent enforcement action ( File No. XXXX ) against the company for similar infractions. 

I urge the CFPB to take appropriate action to ensure Equifax complies with federal regulations and provides consumers with proper verification of its investigative process. 

These are the accounts that Ive marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX State of MarylandXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I was scammed into purchasing {$500.00} worth of XXXX XXXX XXXX. 
The scam artists posed as XXXX XXXX representative and had looked around my account 's with an app. 

The very next day I noticed my XXXXXXXX XXXX  account was at a - {$500.00} balance. 
I called XXXXXXXX XXXX and I informed an agent that it was fraud. 
The pending charges were canceled before it could post. 
My XXXXXXXX XXXX account is attached to PayPal and the - {$500.00}, went towards my PayPal balance. 
However, PayPal had done a poor job of investigating. 
I personally called XXXX XXXX and had given the information listed over the receipts. 
The XXXX XXXX XXXX representative had informed me that the transactions were fraudulent. 
I was told that the numbers on the receipts, were not used by XXXX. 
I was also told that gift cards could only be purchased with either a credit card or debit card. 
All what PayPal had done was to place the blame on me and attempting to make me pay for something that I didn't know if receive money or services for. 
The official police report has not been received because of their system being down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

My credit score with Equifax is XXXX points different than my scores with the other bureaus, a situation that has persisted for the last two years, and I suspect there is some technical problem ( like a computer problem, or something that needs to be " refreshed. " ). The result has been that creditors that use Equifax to evaluate my creditworthiness, including XXXX, have reduced my available credit ( XXXX and XXXX XXXX did this ), cancelled my account ( XXXX XXXX XXXX XXXX XXXX did this ) or denied me credit ( XXXX did this ). In turn, the reduction in credit ( called " chasing the balance '' ) makes it appear as though I have " maxed out '' my credit and hampers my score on all the credit bureaus. After extensive discussion with XXXX I was instructed by XXXX to contact Equifax and " dispute the score. '' Although I explained that I had never heard of " disputing a score '' XXXX customer service insisted that was the option I had. When I tried to do so Equifax customer service told me that 1 ) I can not dispute " the score, '' and 2 ) to contact XXXX and dispute the score with them internally. Equifax customer service also repeatedly attempted to sell me credit monitoring in response to my concerns - but I explained to them that I already have two credit monitoring services and was trying to reconcile why I had such a major score discrepancy despite not seeing significant differences as among the various reporting  agencies. I followed up with XXXX and was told by customer service that I could dispute the score with XXXX but had to write a letter. I did so. But the reply I received made no sense. When I explained this to XXXX customer service I got the continuing proverbial " run around '' to contact Equifax. The reason I think there is a technical ( computer ) problem with my score calculation is evidenced by the " reasons '' that get listed on credit denials ( I am providing one as an example ). All the " reasons '' at Equifax have periodically changed the last two years except one - the last one that says " Time since oldest account opened is too recent. '' My oldest reporting ( and active account ) is XXXX XXXX XXXX and is from XX/XX/XXXX I repeatedly asked Equifax customer service why I was seeing this statement as a reason for negative credit decisions despite having an account reporting from XX/XX/XXXXand they could not provide an answer ( instead they kept suggesting credit monitoring ).
Product: Debt collection

Collection Amount : XXXX Dated Collection Reported : XX/XX/2019 Subject : Fraudulent Medical Billing and Unauthorized Services by XXXX XXXX through Medicredit Inc XXXX XXXX  XXXX XXXX XXXX, MO XXXX The debt collection attempt by Medicredit is an unauthorized services by XXXX XXXX XXXX XXXX and Medicredit was attempting to collect the money by calling repeatedly, The claim was paid by insurance company but the billing department and medical staff authorized services not authorized by me on the day of service. I tried to resolve the issue with debt collection company by stating the service are not in complaint and are subject to unauthorized services and hence the collection is also fraudulent. I paid over {$200.00} dollars in good faith that the dispute would be resolved and since this was under review, Medicredit reported the collection to XXXX   as a revenge when I complained about they are crossing the line to ask about services rendered which could be subject to HIPPA laws privacy. I will be contacting the OIG (  Office of Inspector General ) to look into this for possible billing fraud by XXXX XXXX XXXX XXXX in XXXX, Texas
Product: Bank account or service

Thank you for this opportunity. I have been banking with Wells Fargo for several years and have several accounts. The account in dispute is my business banking account. Over the course of one year I have been charged in excess of {$1700.00} in overdraft fees. It is so confusing the way the charges appear in pending status and then are re-ordered once posted. Most times, they do this by paying the highest charge first. For a couple of years my debit card would decline and not allow for over charging my account. Then suddenly, charges would drop off and/or was allowed to over charge my account. The confusion and financial hardship that I have endured has been so exhausting to no avail or cooperation from the bank other than a few reversal here and there. I have cancelled my debit card and only use atm card for my accounts. I now transfer money to an easypay debit card to use for purchases and bills. After filing a complaint with branch manager, XXXX XXXX and not hearing from her for weeks, I finally reach a business banker named XXXX who stated today they would not reverse anything for me. XXXX I do not need this in my life and would like to switch to a different bank BUT I am stuck as I have a merchant service account too and it will cost me for early termination. I appreciate your assistance and thank you.
Product: Mortgage

I am resubmitting my complaint for overcharge of escrow through modification. 
1 ) XXXX XXXX XXXX form list XXXX for taxes. Taxes paid were XXXX and penalty was XXXX which totaled XXXX. 
2 ) 0n bottom of form they show XXXX For escrow advance. 
3 ) XXXX XXXX form shows escrow being XXXX negative XXXX tax receipt clearly shows a total of XXXX as total money received. 
4 ) letter dated XX/XX/XXXX clearly shows the XXXX of escrow being paid 2 Which was not the case. 
5 ) in XXXX we were charged for escrow 3 times. 
6 ) letter of XX/XX/XXXX also show we paid XXXX for escrow through our modification of XXXX. 
7 ) also escrow breakdown statement shows we were overcharged XXXX for escrow 8 ) this overcharge of XXXX plus XXXX penalty was incorporated in our XXXX modification which has also accrued interest on for 11 years.
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy. The following account is the one I am asking you to verify as accurate : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was in search for an emotional support dog and came across a beautiful pup named XXXX. everything seemed legit, they even sent me a binding contact to sign. So I paid the {$840.00} on XX/XX/2022. The following day they sent a shipping invoice, so again everything seemed legit until the shipping company started sensing {$1500.00} from me for a crate for the pup. Of course I didnt pay that and asked the seller to cover the cost. They said they wouldnt and would give me a refund. No refund since.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off Inquiries in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Navy Federal Credit Union concerning multiple overdraft fees applied to my account. These fees were incurred despite having sufficient funds available at the time the transactions were authorized. The charges appear to be the result of delayed postings of debits and credits, leading to overdraft fees being assessed based on inaccurate balances. 

This issue seems consistent with recent CFPB findings against Navy Federal for similar practices, where overdraft fees were charged due to transactions settling with insufficient funds despite sufficient funds being available initially. I believe these practices are unfair and request a thorough investigation into the transactions on my account to ensure compliance with applicable regulations. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration regarding the recent removal of a charge-off from my account with Credit Bureaus XXXX This action has been taken without any prior notification or justification, and it has had significant adverse effects on my financial standing and credibility. 

I was informed that a charge-off had been applied to my account due to incorrect balances. While I understand the circumstances that led to this decision, I have diligently worked to rectify the situation and fulfill my obligations to Credit Bureaus. I have demonstrated my commitment to resolving the issue in good faith. 

To my surprise and dismay, I recently discovered that the charge-off has been removed from my account without any explanation or communication from your end. This unilateral decision has left me in a state of uncertainty and confusion, as it directly impacts my credit history and financial reputation. 

I demand immediate clarification and justification for the removal of the charge-off from my account. It is imperative that Credit Bureaus provides transparent and accountable reasons for this action, as it has far-reaching implications for my financial well-being. 

Furthermore, I request that you promptly reinstate the charge-off on my account unless you can provide compelling evidence and rationale for its removal. This matter must be resolved in a fair and equitable manner, taking into account my rights as a customer and the principles of accountability and transparency. 

I expect a timely response to this complaint and a satisfactory resolution to the issues raised. Failure to address this matter adequately will compel me to explore other avenues for redress, including seeking legal counsel and escalating this complaint to relevant regulatory authorities. I am asking for your assistance to remove these charge off accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response back. I feel like I'm being taken advantage of and that I'm not being taken seriously. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 60 days so they should be removed expeditiously. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have got in the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, XXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX  and XXXX. 
On XX/XX/2020, ALLY FINANCIAL add a hard inquiriy on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX, XXXX add a hard inquiries on my credit reports per XXXX  and XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt collection

Central Financial Control did not give proper notice either in writing nor phone call before reporting this to the XXXX CRA 's. I 've been making monthly payment and had no idea this account was in collections. The hospital itself did n't notify me when making my monthly payment that this account was in collections. The way I found out was when making my monthly payments in XX/XX/XXXX I see my FICO score drop XXXX point. I then pulled my credit reports from the XXXX credit reporting agencies which showed a collection from Central Financial Control ( SYNDICATED OFFICE SYSTEMS ). My next step was to send a validation letter since I had no idea why this account was in collections. The validation they sent me was a itemized statement not a physical contract between Central Financial Control and XXXX XXXX.I feel central financial control is practicing in unfair collection practices by not giving proper notice. It takes a long time to reach an XXXX score on your credit and for them to knock it down XXXX point is unfair. I feel XXXX is a wonderful hospital but their BILLING is unacceptable.
Product: Mortgage

On Friday, XX/XX/XXXX, I have quote a mortgage rate with Amerisave ( NMLS ID # XXXX  ), a loan officer name XXXX XXXX XXXX Loan Originator NMLS ID # XXXX  ) called me and telling me just give him a call if I want to finish up the application, at the mean time, I was still shopping around and found another lender, today, XX/XX/XXXX, XXXX XXXX send me a disclosure, asking me to sign and review, I checked my credit report and they have already pulled my credit, even though I have " never '' promised to use their company, requested application, provided them any documents and Social Security Number, I immediately call any numbers for XXXX and email/call XXXX XXXX to cancel whatever they have started for me, either of them just direct me to the voice message, it definitely sounds like a scam, hours after anything I have tried, I am seeking help from the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I pulled my credit report and discovered accounts that I have no recollection of. In XX/XX/XXXX I sent in a dispute to have the matter resolved. I have done this each month up to XX/XX/XXXX and each time it has came back verified with no method of verification. I have called several times and they tell me they don't know what I'm asking, they can't find my dispute, they can't read my Id or to just dispute it again. I have asked over and over who in there company has verified it and how and they have failed to provide that information. They also have inaccurate history showing the account to fall of in XX/XX/XXXX but is actually due in XX/XX/XXXX. The dates are even wrong and this shows me that they have not actually verified anything. I have attached the account in question but do have copies and documentation I can provide as well showing what has been sent to them.
Product: Debt collection

In XX/XX/year>, I disputed 2 different Midland Accounts on all 3 of my credit reports because i was unaware of the alleged debt.

One account was removed from XXXX. But the other was coming up verified. 

XXXX and XXXX has also verified both accounts.