23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On Saturday, XX/XX/XXXX, I was notified by XXXX that an inquiry for a credit card account through Capital One was submitted in my name, although I had not done so. I attempted to call XXXX but they were closed. I called again that Monday, XX/XX/XXXX to report to XXXX that I have never had a Capital One Credit card or any account with them. They advised me to follow up with Capital One to report the card. I called Capital One, they found my account using my social security number, confirmed that a credit card account had been opened in my name, that a credit card was in the process of being sent to my current mailing address, but they would try to cancel the card since it had not yet been used. Please note that the Capital One credit card was opened using my name previous legal name. On XX/XX/XXXX of XXXX, I legally changed my last name. This afternoon, Thursday XX/XX/XXXX, I noticed that my XXXX XXXX had gone down significantly. I reviewed my credit summary via XXXX, and that is when I noticed that the credit card account is till active, and that of the {$1000.00} limit on that card, {$950.00} has been used, totaling to 95 % card usage. I called XXXX to report the card as fraudulent once more. I was advised to file an FTC report, a police report, and to speak to Capital One once more. I spoke to Capital One 's fraud department and they stated that the account is currently being investigated. I have never had a Capital One account and all my true accounts reflect my current legal name.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I submitted a letter regarding erroneous items on my credit report. It has been 46 days and I have not received a response. Section 611 ( a ) stated that failure to investigate these items within 30 days should result in immediate removal. I request to have these items removed promptly or I will take legal action. In addition, my information was also compromised by the Equifax data breach and as a result may have gotten into the hands of the wrong person.
Product: Debt collection

My landlord would just walk into our apartment whenever he felt like it. He would not give us any notice at all that he was coming by ir the HOA. Anytime that he came into the apt or the HOA, I know they new someone was home because we had the t.v on all the time we were talking. One time the landlord walked in on us XXXX. We asked him multiple times to please give us notice just out of courtesy, plus by law he was supposed to if he was not doing anything of those exact things in the lease. Whenever he barged in, he was not taking pictures of the conditions of the apt nor showing any of the qualified people stated in the lease, for just walking in without any giving notice. We had to change the original locks on the door because he was barging in so much that sometimes I would be home with my son, and he would just walk in, scaring me and my son half to death thinking somebody was breaking in. One day he took the lock off the door that we put on to try to stop him from just walking in at any given time, since we asked him multiple times and he would not stop, that he left a hole in the front door, that anybody could stick their hand in the hole and opened up the door. I am a single parent, going to work everyday. I am not getting any assistance from the government. I work hard for me and my kids. Lastly, just because I did n't live in the nicest part of town and was not rich, does not mean that you can take advantage of people and treat them like trash. Scaring my XXXX boys and me that they are thinking someone is breaking into the house, having my boyfriend ready to protect or die for his family and you can clearly hear people inside that you could of had the common courtesy, respectfulness and decency to just knock on the door or call to see if we were at home. He was very ugly, nasty and stated that if you did not like it you could move out. I wad not the only tenant he did like this.
Product: Credit reporting or other personal consumer reports

TransUnion XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX Violation of FCRA 611, Debt Collection Harassment, and Sharing of Information with XXXX XXXX XXXX XXXX to 15 U.S.C. Sections 1692d, 1692i, and 1692c Dear Transunion, I am writing to address a matter of significant concern regarding the accounts that I have reported as fraudulent to the Federal Trade Commission ( FTC ) and subsequently requested investigation under FCRA 611 ( 15 U.S.C. 1681I ). It has come to my attention that there are discrepancies in the handling of these accounts, which directly violate the rights guaranteed under this section of the Fair Credit Reporting Act.

Not only has there been a failure to comply with FCRA 611 in rectifying these accounts, but I have also noted the absence of any proof of verified accounts in the documentation provided. The utilization of the e-OSCAR system, without providing tangible evidence or verification of the reported accounts, raises further concerns regarding the legitimacy and accuracy of the reported information. 



Additionally, I am deeply troubled by the actions of debt collectors associated with XXXX XXXX XXXX XXXX, who have been incessantly contacting me using my current information, amounting to approximately 15 calls daily. This relentless and harassing behavior violates the protections afforded to consumers under 15 U.S.C. Sections 1692d, 1692i, and 1692c of the Fair Debt Collection Practices Act ( FDCPA ). 



Moreover, it has come to my attention that the information shared through credit bureaus like Transunion has potentially facilitated this harassment by providing my current contact details to debt collectors. Such sharing of inaccurate or unverified information with XXXX XXXX XXXX XXXX, leading to their persistent and unwarranted contacts, is in direct contradiction to the requirements outlined in 15 U.S.C. Section 1681, which mandates accurate reporting by credit bureaus to prevent the dissemination of misleading or false data to debt collectors.

As per FCRA guidelines and the FDCPA, I am formally requesting : Immediate rectification and removal of the reported fraudulent accounts.

Tangible proof or verification of these accounts within five ( 5 ) days of your receipt of this correspondence. 

Cease and desist of any sharing of inaccurate or unverified information with XXXX XXXX XXXX XXXX. 

Immediate cessation of harassing calls by their associated debt collectors in line with FDCPA provisions. 



Please be advised that persistent contacts from XXXX XXXX XXXX XXXX based on false or unverified information reported through XXXX may result in a violation of FCRA codes, potentially leading to an immediate payout of up to {$1000.00} due to contacting me on accounts deemed fraudulent. 



I urgently request your prompt attention to these matters and expect a comprehensive and lawful resolution as per the guidelines outlined in the FCRA and FDCPA.
Product: Debt collection

On XX/XX/16 I had a doctor visit but the bill was never sent to myself nor my health insurance provider. I received a call from debt collections several months later and they never sent any proof of this {$160.00} doctor visit. They claim it was lost in the mail and tried sending it 5 times to me and health insurance company but neither of us ever received it. They have offered no physical evidence of the debt they claim they are trying to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a hard inquiry on my credit by XXXX XXXX XXXX XXXX out of XXXX XXXX Arkansas. I did not give them permission nor did I sign any documents giving them consent to rum my credit on Thursday XX/XX/2018. This is unlawful and I want this reported from my report ASAP. There is no justification in this I have not applied nor co-signed for a loan on XX/XX/2018. XXXX XXXX is fraudulently using my social security number and other personal information without my approval.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorizing, I was Charge fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section XXXX  ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see XXXX XXXX XXXX  et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the XXXX XXXX XXXX Identity theft. All is being investigated by the FTC
Product: Mortgage

After reviewing my documents and reading the Truth in Lending Act, I found that I was not given the required notice of rescission. I have had the mortgage since XX/XX/XXXX, which is still within the 3 years allowed if not given the notice of rescission. 

There also isn't an Appendix XXXX or XXXX model as required pursuant to the example provided in 12 CFR 1026.23 here on the CFPB site. 

On XX/XX/XXXX I mailed Carrington Mortgage Services a notice exercising my right to rescind their security interest and to return all monies paid by me. I mailed it to the dispute address provided by them on the billing statement certified mail # XXXX. The notice was received on XX/XX/XXXX according to the United States Postal Service. 

I am contacting you now because I previously mailed them notice of the same back in I think it was XXXX, but I lost the notice and never received a response from the mortgage servicer. 

This is to inform you of the progress so far.
Product: Credit card or prepaid card

Good morning, Im contacting you to assist me with obtaining a lower interest rate, Im a member of Navy Federal for 4 years now, I have been a loyal and consistent customer, However, I really feel discriminated against on the rates I receive, I obtained a Mortgage XX/XX/2017, my score at the time was a high XXXX low XXXX, rates were great at that time, however, I received a 4.875 rate, which is insane, I recently applied for auto loan, was offered 14 percent apr, got 6.8 from XXXX XXXX, applied for auto refi, offered 10,69 rate, last, I have a credit card with out standing balance, in 3 years never late, they will not offer me a lower rate, my current score is XXXX, whats bad about that score? Nothing, they realize that Im trying to maintain my credit for future home refi and there just being very unprofessional with the feel of discrimination and it herts, because I work hard to do right by them and my credit standings
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX {$540.00},, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX these were settled years ago but change and sold to several other companies. Delete ASAP
Product: Credit reporting or other personal consumer reports

I was apart of DATA BREACH. 

Section 605B of the Fair Credit Reporting Act ( FCRA ) gives consumers the right to request that credit reporting agencies ( CRAs ) block the reporting of information in their file that resulted from identity theft : REMOVE ALL ACCOUNTS FROM XXXX, XXXX, and EXPERIAN. 

I HAVE THE RIGHT TO HAVE ACCURATE INFORMATION ON MY CREDIT REPORT!
Product: Mortgage

I started with carrington mortgage XX/XX/XXXX. Loan was sold to them from XXXX XXXX XXXX. I can provide proof of all payments made since I purchased the home in XXXX. I paid XXXX, XXXX, XXXX in the correct amounts. XXXX I over paid and paid correct for XXXX, XX/XX/XXXX and XXXX. On XX/XX/XXXX someone at carrington mortgage reversed all previously paid payments in the correct amount and rebilled them at the highest amount that did not start until the XX/XX/XXXX payment. They fraudulently have incorrectly overbilled me. I have proof and they are now saying I am behind since XX/XX/XXXX. When I calculated the payments on my statement to what I have paid I have overpaid due to their error. They knowingly charged me too much and are not willing to even do simple math to show I am correct.
Product: Checking or savings account

They have been charge my account since XX/XX/2022 for overdrawn fee and now the charge me more than {$1000.00} overdrawn fee only very soon they will close my account. Im really concerned if its normal for a bank to charge more than {$1000.00} for fee only.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Account number : XXXX XXXX XXXX Your NAME : XXXX XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has responded to Complaint # XXXX re XXXX XXXX XXXX, credit card # XXXX, by sending me information to the effect that they will be updating information on account # XXXX, XXXX XXXX XXXX. I have never in my life witness such endemic incompetence in all my life! My complaint has nothing to do with XXXX XXXX. It is all about XXXX XXXX, and their failure to correctly report the status of my credit card account, # XXXX. XXXX XXXX XXXX of XXXX XXXX, advised me that they would be contacting all 3 credit reporting agencies so that this " oversight '', allegedly caused by Hurricane Irma, would be rectified -- they had instructed the agencies to " DELETE '' my account. instead of reporting it " CLOSED '', in good standing. XXXX  XXXX is a XXXX XXXX corporation. I don't understand why they can't get this right! This is very simple. A first-grader could do it. My XXXX XXXX credit card account should now reflect " CLOSED '', with all accompanying 4 year credit history attached to it, not " DELETED '', because XXXX XXXX is XXXX that I transferred their balances to another bank! It's as simple as that!
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE FROM CREDIT REPORT
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX Consumer Number : XXXX To Whom It May Concern, I am writing in response to your letter dated XX/XX/year>, regarding CFPB Case # XXXX concerning XXXX XXXX XXXX XXXX XXXX While I appreciate the effort taken to resolve the matter, I find it concerning that XXXX is not utilizing the same methods to investigate public records in this case as it does for other accounts. 

XXXX regularly retrieves information directly from public records to report to credit bureaus. Why has this process not been followed here? A search of the public records, such as those maintained by the XXXXXXXX XXXX XXXX XXXX XXXX would reveal a publicly filed lien as well as documentation of its termination. The lien was terminated due to the complete satisfaction of all obligations, with every payment having been made to the secured party. 

It seems inconsistent that XXXX, which typically accesses public records to provide accurate information to credit bureaus, has failed to apply the same process in this instance. Instead, you are relying solely on the credit bureaus, even though XXXX XXXX clearly confirm the dispute 's resolution and the satisfaction of the lien. 

I request that XXXX perform a thorough search of the public records related to this matter and report the findings accordingly. This approach aligns with the established practices XXXX uses for other tradelines and ensures the accuracy and completeness of the information shared with credit bureaus. 

I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

company still showing monthly payment on closed accounts which affects dti and usage which is lowing my score
Product: Checking or savings account

Additionally, CHASE has repeatedly charged my CHASE XXXX XXXX XXXX 's account {$15.00} per month in fees when I have met with a bank manager in XXXX Connecticut repeatedly. I am a private bank customer and no fees are supposed to be charged to my accounts.
Product: Credit card or prepaid card

Had no problems when this was XXXX XXXX credit card once store went out of business ( XXXX  XXXX  ) took over the credit card nothing but problems since.I Pay my credit card off every month not everyone can do this so I warn people of this fraudulent practices by ( XXXX XXXX  ) made a purchase onXX/XX/18 got bill in mail due date was on XX/XX/18 I Mail all my bills out at least a week before due date .my payment was received onXX/XX/2018 got an email stating that it was paid on this due date XX/XX/2018!!!! when I got my next statement in mail on the week XX/XX/18 I had a late charge and finance charges because someone in their customer service department or billing department put XX/XX/2018 as the payment date so I called customer service on XX/XX/2018 and told the customer service the situation and I  stated that it was paid on the XXXX not the XXXX and it must be human error on the typing but customer service did not want to hear this went in one ear and out the other so they took off the late charge also at this time on phone I canceled my credit card with ( XXXX  XXXX. ) When I got next bill in the mail they left the finance charge on Bill statement for no reason but ( XXXX  XXXX ) human error mistake so ever since then my finance charge and late charges have been occurring and I have been getting harassing calls on my two phones 4 to 6 times a day for their mistake this could've been resolved back in XXXX so fair warning to anyone that deals with ( XXXX  XXXX ) corrupt and fraudulent charges maybe put on your bills
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX XXXX XXXX 
I have recently become aware that this account has been reported to your agency in violation of the Metro 2 credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the R28 code.
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 Account name : XXXX XXXX XXXX, Account Number : XXXX has violated my rights. 

Account name : XXXX XXXX XXXX, Account Number : XXXX has violated my rights. 

Account name : XXXX XXXX, Account Number : 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

In your response dated XX/XX/2020 please answer the follow up questions