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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Checking or savings account

I am a XXXX XXXX XXXX XXXX single mom on a fixed income. I have two checking accounts due to various deposits, but usually move all money to one or the other for the convenience of my son who helps me with driving/groceries. I check the balance of the both accounts twice a day, once in the morning and once minutes before XXXX the cutoff for Bank of America running through charges, according to their representatives. On multiple occasions now, I have checked at XXXX to find a positive XXXX dollar balance in the empty account only to open it up the following morning ( approx 12 hours later ) to find multiple charges run through along with overdraft fees for each item of {$35.00} a pop. This certainly does not provide for me the 24 hours or a single business day that Bank of America says they provide to cover overdrafts with transfers or deposits. When attempting to contact the bank about the matter, I 'm told the amounts must have been " processing '' and I simply could not see them. I state I can see " pending '' transactions and they were not there at XXXX and some seconds. They state they must have been " floating '' out there. That still does not provide me the business day to cover the overdraft. In the past month, Bank of America has charged me in {$350.00} in fees in this manner. This certainly feels illegal, and certainly unfair business practices, and I would like for it to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid my mortgage to Lakeview since XXXX of XXXX yet the have failed to report my loan to the credit bureau. I have a XXXX of all my payments ( none late ) yet I can not get them to report to any of the 3 bureaus. This means I can not refinance because other lenders can not see my loan. They basically have me XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a car dealership and was told XXXX would run my credit to see if I qualified for their financing, but when I checked my credit report it showed a whole lot of hard inquiries that I did not approve. The list is as follows : Transunion XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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: Vehicle loan or lease

I have a loan with CAP ONE AUTO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and CAP ONE AUTO with no successful resolution. XXXX, XXXX   and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/XXXX / XXXX, XXXX - XXXX, XXXX - XX/XX/XXXX / XXXX, XXXX - XX/XX/XXXX.
Product: Consumer Loan

Please be advised on XX/XX/XXXX2016 I sent Springleaf information Pursuant to XXXX. ( a ) ( XXXX ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER I sent the correspondence in the attachment to Springleaf! Springleaf has not provided any documentation as outlined in XXXX. ( a ) ( XXXX ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER ( XXXX ) DUTY OF PERSON AFTER RECEIVING NOTICE OF DISPUTE- After receiving a notice of dispute from a consumer pursuant to subparagraph ( XXXX ), the person that provided the information in dispute to a consumer reporting agency shall -- ( XXXX ) conduct an investigation with respect to the disputed information ; XXXX XXXX XXXX review all relevant information provided by the consumer with the notice ; XXXX XXXX XXXX complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section XXXX ( XXXX ) ( XXXX ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ( XXXX ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( XXXX ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly -- ( XXXX ) modify that item of information ; XXXX XXXX XXXX delete that item of information ; or XXXX XXXX XXXX permanently block the reporting of that item of information
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX : {$500.00} They refused to remove the collection and also refused to disupute it unless {$1.00} payment was given from a debit or credit card
Product: Mortgage

Statebridge has the worst customer service. An employee from Statebridge called me on Sat, XXXX XXXX, 2017. She said she was calling me to inform me that my HOA ( Homeowner 's Association ) billed them {$980.00}, and that they paid the bill. She told me I will be needed to repay them. I asked " What are you talking about?? '' Why would they bill you? What was it for? '' She said she did n't have that information. I said well get someone who does. She said she could n't do that, and that I would have to get the info from my HOA. I told her that this was a ridiculous phone call! I have had nothing but issues with Statebridge since they acquired my mortgage from XXXX, and that I ca n't wait to get refinance with another company!! So I contacted the President of my board. She contacted the Management Company. They do n't know what my mortgage company is talking about!! I called Statebridge on XXXX XXXX, spoke to XXXX. He listened to my issue and said he would call me back once he spoke to the woman who " knew about this issue ''. That was yesterday, I never heard back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Last year on XX/XX/XXXX, I send my mortgage company a check for {>= $1,000,000}. PHH is my mortgage company. I did write on the check Principal only payment # account number. This check was cashed by PHH. My mortgage amount didnt change. I wrote to PHH Customer Services on email on XX/XX/XXXX. They write to me that to recast my mortgage loan I need to send an extra {>= $1,000,000} to make it {>= $1,000,000}. On XX/XX/XXXX I sent a second check to PHH for {>= $1,000,000} XXXX wrote on the check Principal only payment # account number. This check was cashed by PHH. I wrote to Customer Service second time, on XX/XX/XXXX. They did request a recast for me with I didnt happen. Can you please help me? Thank you.
Product: Mortgage

My home was foreclosed on XXXX/XXXX/XXXX, today ( XXXX/XXXX/XXXX ) the mortgage company " Everhome Mortgage Co '' reported the forecloser on XXXX/XXXX/XXXX. This info is wrong and I have the sheriff sale paperwork to prove that. They are a horrible mortgage company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report I recently discovered serious fraud and related activities on my credit report over the week.I am in the process of contacting the police and FTC. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX my SS XXXX my DOB XXXX. I am self employed the following addresses are Not mine XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX  XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Debt collection

I am in need of help because I was sued for a debt I was unaware of, I was never served any papers or asked for a signature to validate the debt. I have been harassed by debt collector who continues to report a debt I have no knowledge of, sort of any nature. The debt collector has been removed from other agencies but continues to reappear on my transunion report due to no knowledge of holding such debt. 

I have looked up this law 15 USC 1692 which is the FDCPA in section 1692 it says A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection
Product: Credit reporting, credit repair services, or other personal consumer reports

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Please remove these fraudulent accounts from my credit report these accounts are reporting false information and need to be removed from my credit report immediately. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} Below are a list of addresses I've never lived at or been associated with. I don't know why these addresses are appearing on my credit report please remove them. 

XXXX XXXX XXXX, XXXX, KS XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, KS XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024, and noticed my personal information was incorrect. I have multiple variations of my first name and last name and my address. My phone number and job history is not correct. I have attachments that will show you inconsistent information. 
Address XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX These address are not valid and should be deleted immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

On Tuesday, XX/XX/XXXX, I received a phone call from XXXX XXXX 's fraud department, my credit card company. Today, Wednesday, XX/XX/XXXX, I contacted the XXXX XXXX fraud department. They indicated that my credit card account was closed by the credit bureaus due to " a fraud application '' .I asked to speak to the manager to gather additional details and they were not willing to provide additional details except for the phone numbers for XXXX , Experian , and XXXX They also stated that there's nothing else that they could do. I have had my credit card with XXXX XXXX for over a year and have been using my card and paying on it regularly, but the credit bureaus closed down my card without my consent.I contacted Experian first and was unable to get in contact with a person because there were no prompts available to speak to a person. I then contacted XXXX, and had he same issues with them. I was unable to get in touch with a person. Next, I contacted XXXX, and was able to speak to a person, but they were unaware of the account being closed, but in their system, it's still showing to be active. The representative encouraged me to contact the other bureaus, but I already did that and had the most difficult time getting in contact with them and still never got to speak with anyone.
Product: Debt collection

Validation of Debt Freedom Mortgage Account # XXXX Please take note that, pursuant to the Fair Debt Collection Practices Act section 809, I request that you validate the debt of each account number listed above in this notice. Please validate the debt in compliance with FDCPA by mailing me the following information.

This is to inform you that I am a " consumer " as defined by the provisions of 15 U.S.C. 1692a ( 3 ).

This letter is to further inform you that I deem you as a debt collector, subject to the Fair Debt Collection Practices Act, under 15 U.S.C. 1692a ( 5 ).

1. The original contract bearing my name for the account.

2. Chain of custody proof for each Promissory Note for each account.

3. The origin of the funds that created this alleged debt for each account.

4. The true records of the organization showing that there was an Honest disclosure of Facts relating to this alleged loan in compliance with the Truth in Lending Act!

5. The person who prepares and swears to the validation Must describe, 6. Your job Description 7. How long you've been in this position?

8. Do you have personal knowledge about this alleged debt or account?
Product: Credit card or prepaid card

Hello I have a very detailed attachment below, but I'll summarize it here. Basically, I applied for a credit limit increase and got denied by my credit card company, and that's violating my right by law. 
Navy Federal credit union denied my credit limit increase, I reached out to them multiple times and the representative stated it's their decision and etc, but did not acknowledge the part of being violating my consumer rights, so here we are. 
I attached their denial letter to this complaint. 
I also attached the letter I sent them as well below ; and sent it to the address below ; NAVY FEDERAL CREDIT UNION XXXX XXXX XXXX, XXXX, VA XXXX Recently, I, XXXX XXXX XXXX was denied an extension of credit by NAVY FEDERAL CREDIT UNION XXXX On XX/XX/2021 for a credit card application/increase, I applied for a Credit limit increase on my current Cash Reward Credit card with Navy Federal .

As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). NAVY FEDERAL has violated my federally protected consumer rights : 15 U.S Code 1642 15 U.S Code 1681M 12 CFR 1002 Since the letter, Navy Federal sent me dated XX/XX/2021 is both proof and evidence that I have been discriminated against, you are also criminally liable. NAVY FEDERAL CREDIT UNION should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 
BEST, XXXX, XXXX XXXXWithout prejudice, all-natural inalienable rights reserved.
Product: Checking or savings account

This is in reference to previous complaint XXXX As per the statements that i finally received there was an an unauthorized transaction on XX/XX/year>25 from account ending XXXX in the amount of {$1100.00}. 

As Citibank had removed my access to all of my accounts via all means as of XX/XX/XXXX, The transaction in question occurred on XX/XX/XXXX that states " other Debit '' for {$1100.00}. This transaction was NOT made or authorized by me, nor i am aware of what this transaction is. This is a fraudulent transaction made by financial institution. 

I request a return of all my funds at this point the amount owed is XXXX.
Product: Student loan

I am expecting a refund for the Covid payments, as per Biden 's announcement, last week. 
Upon speaking with Navient, they said no, because they are not associated with the US government.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX 2016, Amex took out $ XXXX.+ unauthorized out of my account. I have been attempting to rectify this and obtain a refund since and have been unable to recover my funds. In this time, Amex has sent my account for collections and negatively affected my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION AND XXXX WITH XXXX WORK HARD TO KEEP THE GENERAL PUBLIC FROM FILLING COMPLAINTS AGAINST COMPANIES. THE THREE PROTECT COMPANIES AND MAKE IT AN INTENT TO DRIVE YOUR CREDIT DOWN TO RUN YOUR XXXX SCORE INTO THE GROUND. I HAVE TRIED WORKING THIS OUT WITH BOTH TRANSUNION AND XXXX TO NO AVAIL. THE GENERAL PUBLIC NEEDS SOMEONE TO PROTECT THEM LIKE THE BUSINESS HAVE WITH XXXX, XXXX, TRANSUNION AND XXXX. THESE FOUR COMPANIES SHOULD BE THERE TO PROTECT AGAINST FRAUD, ILLICIT INQUIRIES BOTH SOFT AND HARD INQUIRIES ON YOUR ACCOUNT.
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 XXXXXXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Mortgage

On XX/XX/23 the Company filed a NOD on my property, and as of Today the NOD remains on my property. I have provided all documents requested from the Company and have not received a response.
Product: Credit card or prepaid card

I am not familiar with these accounts whatsoever and have filed an identity theft report as I have been instructed by my legal representation the proper steps to ensure you remedy this situation. I HAVE NOTIFIED THE PROPER AUTHORITIES. I have been in contact with the company to challenge. This is clearly an error and is NOT my account.THese accounts are fraudulant and I have notified the credit bureaus and authorities. 

JPMCB CARD- XXXX -XX/XX/XXXX JPMCB CARD - XXXX - XX/XX/XXXX JPMCB CARD - balance- {$29000.00} XX/XX/XXXX JPMCB CARD - balance- {$2100.00} XX/XX/XXXX I have noticed this on my record its been misreported for a long time!!! This is outrageous that your company can ruin someones life by letting someone take financial information and use it like this. 
with incomplete information and it has been hurting me financially unnecessarily as I have expressed. I AM NOT ASKING FOR A RE-INVESTIGATION THIS IS A DEMAND TO DELETE THESE INACCURATE AND FRAUDULENT ITEMS. 

I have notified my attorney at XXXX XXXX XXXX to stop the actions of your company from contacting me anymore as well as remedy this quickly pursuant to the law section 605B of the FCRA this fraudulent information needs to be deleted to avoid further legal action. I kindly demand your swift response to this matter and deleting these accounts from my reports immediately. Thank you.
Product: Credit reporting or other personal consumer reports

I have no knowledge of these hard inquires and that hard inquiries are a result of identity theft and that it must be removed within no later than 4 business days as per 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

I had an account with Bank of America, a pesonal and a business account. XXXX day i saw that my account didnt have any funds and after I went to the bank the told me that some checks were deposit in my stolen checks were deposited in my account and money withdawl, they told me that somebody had created an online account and requested a duplicated atm card, my card was used three times in XXXX. They told me the checks were deposit at the bank. When I told them that was not done by me, they kept telling me that is was nothing they could do and they took the money I did have to cover the fraudalent charges. I ask to see the videos from the bank, they refuse, I filed a complaint with the police department case No XXXX with officer XXXX, he started connducting investigation and he requested the bank copies of the video, the bank refused again, and the officer was obligated to obtain a production to produce from the court and a subpoena de bank, again once officer XXXX presented those documents, they refused to give him the bank video and continue to prolonge the process. in the menatime, the have my records as abuse of account, and I am not able to open any other account with any other institution. 
At this point I dont know what else to do, i need help. 
i believe this is an inside job, bank employees, since, to deposit a check and to make a withdawl you need to show indetification, also, the check that were deposit were stolen.