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

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to those customer 's nonpublic personal information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( SHOULD NOT HAVE A BALANCE REPORTING ) XXXX Account Type : Installment I Account Type - Detail : Auto Loan Bureau Code : Individual In Account Status : Closed Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XXXX Balance : {$17000.00} No. of Months ( terms ) : 72 High Credit : {$37000.00} {$37000.00} {$37000.00} Credit Limit : Past Due : {$1800.00} Payment Status : Late 30 Days Late 30 Days Repossession Last Reported : XXXX XXXX XXXXXX/XX/XXXX Comments : Closed Customer disputed account - reported by subscriber. 
Involuntary Repossession Auto : reported by grantor Equifax, XXXX and XXXX is a financial institution by definition under that title. 1681 section 604 ( a ) section 2 states that " In general subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. The financial institution and the above companies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent whether it be non-verbal, verbal, written, implied or otherwise is revoked. 15 USC 6801 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non affiliated third party unless- the consumer ( me ) is given an explanation of how the consumer can exercise that non disclosed option. They never informed me of my rights to exercise that nondisclosure option. Every consumer reporting agency shall maintain reasonable procedures ' designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to Opt-out at any time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Our accounts with Bank of America were frozen due to a " data breech '' .in XX/XX/2021. We were unable to access any of our accounts for over 6 weeks. The Bank of America did not give us any documentation of the freeze to use to alert our creditors and we had automatic payments bounce. Because of their undocumented freeze, we had to put everything on credit cards for over 6 weeks and pay late fees on payments to our creditors. We have had to open accounts at another bank because Bank of America would not even assist with reestablishing our accounts under new numbers. I have since learned that they should have provided us with credit report protection and assistance with the creditors to explain the delay in payments and confirm the validity of the freeze as part of a data breech. We have had increasing credit rate reductions since XXXX XXXXwhich seems to be falling monthly even though we are up to date on our payments with automatic withdrawals through our new bank. 

My complaint is with the lack of formal documentation of the breech and our accounts being frozen and our online statements being wiped out to even know which payments were made or not during that time before and during the freeze. There was no customer support or even a claim number to refer to in the system according to the bank due to it " being under investigation ''. 
As a further result of this breech as of XX/XX/2021 I received notice that someone has appllied for unemployment benefits in my name and social security number in Illinois. 
When I notified the credit reporting companies and my local pollice to get a report # I was strongly recommended to also report the bank to your agency. 

Please let me know what else you will need from us to follow up with the Bank of America and their shady " data breech '' protocol that has now damaged our credit rating and provided NO support or assistance to repair our credit rating and the interest we had to pay on our credit cards due to lack of access to our funds for an extended period of time ( +6 weeks ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, I XXXX XXXX looked at my XXXX XXXX  app credit monitoring and found that Tower Loan is frivolously reporting " inaccurate information '' as derogatory this account is closed and was paid via settlement in civil litigation in XXXX XXXX court their attorneys filed satisfaction of judgement over a year ago case : XXXX and this should have stopped being reported even saying I have a balance due when it's been paid! We will be looking at filing a lawsuit against Tower Loan for this frivolous reporting innacurate info and hurting my credit score. They say it's a charged off account I owe {$290.00} for as seen attached from XXXX XXXX
Product: Debt collection

Back in XXXX I ordered a product called XXXX - flexible blue tooth led screen. From XXXX XXXX XXXX XXXX. That evening I was informed by my bank that the transaction was denied for fraud protection reasons. So I requested it be canceled. Paypay.Inc of which I was going thru took it apon them self 's to process the order thru a back up payment option, which I did not authorize. I contacted them about it and they temporarly refunded me the amount for the purchase pending a review of the case. They said they contacted the seller and have since said the item was delivered and are requesting the money be sent back in return. I refuse to do this for the fact that to this day XX/XX/year> I have not received the product at my residence. I have worked for the US Postal Service for XXXX yrs and have search for this item and can see where it is said to be delivered but never has it showed up at my residence and my wife can vouch for that. It may have been delivered to the wrong address or stolen but I can not provide proof of that. 

Thank you
Product: Student loan

Hello. I handed in my XXXX application and FedLoan received it on XX/XX/2022. I have been waiting for appropriate communications from them as to what to do next. I decided to contact them XX/XX/2022. They wrote back on XX/XX/2022 stating that I needed to hand in the first page of the application again. This is ridiculous due to the fact that the completed application was received on XX/XX/2022. They received updated employment verification forms on XX/XX/2022. I refaxed the first page of the application on XX/XX/2022 dated from XX/XX/2022. FedLoan does not contact me and has me waiting without proper instructions. There are others who have received forgiveness before me due to their poor management of my application. I have been working for not-for-profit employment sites over 11 years. This is not acceptable.
Product: Debt collection

Request for Debt Validation Dear jefferson capital LLC am writing in this letter XXXX XX/XX/year> which asserts that I owe a debt of {$1000.00} I am requesting that you provide validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Specifically, I request that you provide the following information : XXXX. The full name and address of the original creditor. XXXX. A detailed statement showing the amount of the debt, including any interest, fees, and charges that have been added. XXXX. A copy of the original agreement or contract that legally obligates me to pay the debt, including any signed documentation. XXXX. Any judgments or court decisions related to this debt. XXXX. A verification of the date the debt was incurred. Until this debt is validated, I request that you cease all collection activities, as required by law. Please note that any further communication or attempt to collect this debt without validating it will be considered a violation of the FDCPA. If you are unable to provide the requested documentation, I request that you cease all collection efforts and remove any negative information related to this alleged debt from my credit report. I look forward to your prompt response, and I expect to receive the validation materials within 30 days, as outlined by the FDCPA. 

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Product: Money transfer, virtual currency, or money service

I stopped payment on a check to a contractor for breach of contract. The contractor had cashed the check through XXXX. When the contractor couldnt cover the check, he gave XXXX my phone number and they have been calling me up to 5 times a day, harassing me about the check. I told them to stop calling me on XX/XX/2019. They have called 5 times since then.
Product: Debt collection

On or about XXXX XXXX, 2016, I received a debt collection letter from Northland Group Inc. in the mail. [ Northland - XXXX XXXX XXXX XXXX, MN XXXX ] stating that I owe {$92.00}. Northland stated it was authorized to collect the debt on behalf of XXXX XXXX. I do business with XXXX and was unaware of an outstanding bill and certainly one that would be so far in arrears to be out boarded to a collection agency. Concerned as I always am about my GREAT credit rating [ that has taken me a lifetime to build and preserve, I called XXXX on XXXX XXXX and spoke to a XXXX XXXX. [ XXXX ] to inquire. XXXX told me I did not have a balance and XXXX had most certainly not referred my account/name to Northland. I 'm very concerned about Northland filing false information with a court to intentionally and fraudulently besmirch my credit and I 'm equally concerned for people that will fall prey to Northland 's intentional process to defraud consumers.
Product: Credit reporting or other personal consumer reports

I would like to follow up behind my frustration regarding the repeated attempts I have made to rectify the ongoing issue of late open accounts associated with my account. Despite my multiple efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress. I first noticed the late open accounts issue and since then, I have diligently contacted your company 's customer service department to bring this matter to your attention. During these interactions, I have provided all the necessary documentation and information requested, yet the issue persists, and no concrete action has been taken to correct it. 
The late open accounts issue has had a negative impact on my financial stability and credit score. I have faced undue stress and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I am asking for your immediate assistance that this account should be corrected right away : XXXX XXXX  XXXX Balance : {$5200.00} ; XXXX XXXX  XXXX Balance : {$5700.00}.
Product: Debt collection

I have contacted Capital One Collection Department several times and received no resolution on XX/XX/XXXX I spoke with Representative XXXX whom stated a supervisor would be in contact to have debt removed from credit report due to me not being the owner of the account as listed. With me not receiving the call back I contacted the collection department again on XX/XX/XXXX speaking with yet another rep whom stated the account was never notated for you to receive a call back, frustrated I demanded to speak with yet another supervisor and was informed that this matter would be resolved and I would show the account removed in the coming months as of today XX/XX/XXXX I still show an account as debt on all 3 credit bureaus when I was told it would be removed and I wouldnt be penalized for such.
Product: Debt collection

I have no knowledge of the debt. They sent sent a link by email to view documents with name of XXXX XXXX with no signatures. It has recently been added to my credit report. The original creditor was XXXX XXXX XXXX, XXXX XXXX XXXX, TN XXXX. Current creditor is XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, NY XXXX.
Product: Debt collection

I received a letter from Phoenix Financial Services early XX/XX/2019 with an offer to settle my {$1200.00} medical debt for a discounted {$500.00}. If I checked the box I was agreeing to the offer and this would resolve the debt along with instructions where to send a check. A week later the check was cashed and the debt was off my report. Three weeks from then my XXXX XXXX notified me that they have now reported the balance of that debt. This was not the written agreement. I have now received another letter as a false " second attempt '' stating they are offering I can pay a discounted {$300.00} of the remaining {$760.00}.
Product: Checking or savings account

On XX/XX/XXXX Check # XXXX was written in the amount of {$140.00}.

On XX/XX/XXXX, BBVA Compass debited my account {$410.00} for check # XXXX.

I called BBVA Compass customer service on XX/XX/XXXX and asked that it be corrected. I was told it would be fixed and my account would be credited the {$270.00} in 24-48 hours. My account was not credited.

I called BBVA Compass customer service back on XX/XX/XXXX, and was told it would actually take 5 business days. My account was not credited in that time, either.

I called BBVA Compass customer service back onXX/XX/XXXXand spoke with XXXX. I immediately asked for a manager and was subsequently put on hold for over 30 minutes. After over 30 minutes of being on hold, the manager, " XXXX '' would not speak to me. I was told AGAIN, they would credit my account the {$270.00} that they erroneously took out 15 days ago, in 24-48 hours.

I still do not have my money back.
Product: Mortgage

OVERVIEW : I am a former home equity line of credit ( HELOC ) customer of Regions Bank. I have satisfied the HELOC in full on XX/XX/XXXX and Regions Bank confirmed this via their attorneys XXXX, XXXX XXXX XXXX, XXXX, as well as by refunding me overpayment check but Regions has yet to satisfy/release the mortgage they put on my home preventing me from refinancing my home at another bank. It has been four months and Ive tried to contact Regions multiple times but keep getting the run-around and cant even get them to call me back/write me back/assist in this matter at all! Background & Details : I first obtained a HELOC from XXXX XXXX XXXX XXXX in the amount of {$300000.00} with my wife on XX/XX/XXXX and they subsequently recorded a mortgage against my home in the same amount ( ATTACHMENT 1 ). In the years since, this HELOC has been extended several times and sold/transferred to several different banks until finally landing at Regions Bank.
I was discussing renewing this HELOC with Regions Bank loan officer when I received via mail ( ATTACHMENT 2 ) on XX/XX/XXXX that the loan was due/past maturity and Regions was calling my loan due for total outstanding amount. After discussing with their law firm XXXX, XXXX XXXX XXXX, XXXX, I decided to pay Regions back in full and made full payment amount of {$300000.00} ( ATTACHMENT 3 ) on XX/XX/XXXX. XXXX, XXXX XXXX XXXX, XXXX. sent me confirmation ( ATTACHMENT 4 ) that they had received the payoff and that their legal file was closed out due to the pay off of the loan. They subsequently informed me via telephone that Regions Bank would satisfy my mortgage and remove it from title of my property. Regions then sent me via mail a cashiers check for {$98.00} ( ATTACHMENT 5 ) stating OVERPAYMENT OF LOAN on XX/XX/XXXX signaling their receipt and closing out of the loan. Please note that the loan number on original notice of payment from Regions, wire confirmation from my Bank, confirmation letter from law firm & overpayment check from Regions all match as same. Since XX/XX/XXXX, I have made no less than 10 calls to Regions Bank asking for them to release their mortgage on my property so I can refinance my home but each call has failed and they can not even refer me to their loan satisfaction department.
Any assistance you can give me to resolve this situation with Regions Bank would be greatly appreciated. Thank you in advance for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all XXXX credit bureaus on XX/XX/21 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over XXXX days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I have also sent an FTC report for collection accounts that are not mine. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Prepaid card

I am very upset with this company. They have violated my rights several times to the fullest extent and I have had it! My card was compromised and used, therefore my funds were taken out. I called and filed a claim, that of course, got denied. I called this company SEVERAL TIMES as to why my claim was denied and they flat out refuse to tell me or send me the documentation that I requested for as proof as to why I lost the dispute, WHICH IS ILLEGAL. Furthermore, their employees are rude,  XXXX , and DO NOT  SPEAK   XXXX   WELL,  which makes it harder to communicate and causes them to mix up my information.  XXXX  of the reps hung up on me, another  XXXX  kept talking over me, and even most of their reps ( who seem to be the same all the time ) are unprofessional and even calls me  XXXX , when I am a  XXXX . Also, keep in mind that I have the hardest time communicating with this company. I had a previous claim that got denied, but then honored in my favor because I was in the right. However, it took me  THREE MON THS of calling, letters, writing, re-disputing, arguing, etc. just to get it resolved in my favor that should 've been in my favor the whole time. Even when I requested for a callback from the disputes department, they call around  XXXX  when I told them several times to call past  XXXX  PST, but they still DO NOT LISTEN AFTER  XXXX  CALLBACKS! The reps name was  XXXX  who denied my last claims which I believe might still be her who is denying it. This company thinks they are always right and flat out do what the  XXXX  they want. It is time this company stops violating peoples right and listen up! Because at this point, I am being or feel discriminated since the customer service rep told me that my account got closed b y the " Risk Dept '' due  to suspicious activity on my account ( which I reported before ). So therefore, it make me believe that it boils down to concerns with terrorism/money laundering, that I DO NOT DO. The reason why I feel this way is because they know my ethnicity and the rep on the phone basically admitted it and believes that there is no reason why my claim should be denied and my account be closed. I woke up today to text messages saying my card has been blocked and that t here may be an issue  with my account. Myself was not able to login and when I tried to, it said that my account is locked and to call cust srvc, which was the same exact message when my card was being used without my permission. If their company can not speak  XXXX  well, then there is going to be a mix up of info, which is also how my claims get denied too. I HAVE A RIGHT TO FILE A CLAIM! I still, to this day, have not even got a chance to respond to the merchants response to the dispute for a rebuttal because I have n't even received the documents that were used in the investigation which again is violating my rights. I WANT PROOF THAT IT IS ME THAT DID THE TRANSACTION! THIS IS ILLEGAL, NOT FAIR, AND VIOLATING MY RIGHTS!
Product: Credit reporting

Equifax through a previous CFPB Complaint No : XXXX. Equifax was to remove and delete an illegal fraudulent account by XXXX XXXX XXXX. Upon completion of the Equifax , CFPB investigation, Equifax deleted the fraudulent account, but later restored the illegal account once the above CFPB account terminated. Equifax has 24 hours to delete permanently any XXXX account as informed in the previous CFPB Case. Now, this new Complaint is on another fraudulent account by XXXX XXXX XXXX XXXX which derived from the previous XXXX Loan account removed temporarily. See attached
Product: Credit reporting, credit repair services, or other personal consumer reports

fradulent accounts reporting on report
Product: Credit reporting or other personal consumer reports

HELP. LAST TIME BEFORE SUE Experian in Federal Court. 
Since 2018, Experian is reporting a bankruptcy account on my credit report that is from another person. I sent via certified letter the proof and evidence that this account is not mine. Experian don't want to remove it. 
Experian asked me to dispute with XXXX XXXX, and XXXX XXXX DO NOT HAVE BANKRUPTCY ON MY RECORDS. SEE ATTACHED LETTER. 
Experian asked to check with the COURT, and this account belongs to another person with a similar name, and different social number. ATTACHED COURT PACER RECORDS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this option when I disputed this and it still has not been updated after more than 30 days. " Affected by a natural or declared disaster codes on your reports. All three major credit-reporting bureaus Equifax, XXXX, and XXXX have these codes. I have requested through XXXX, Equifax, and XXXX but all have failed to provide any update or feedback on this requested dispute. I requested that a statement be added to my credit reports stating that XXXX  XXXX XXXX, XXXX XXXX, and XXXX XXXX refused to allow me to enter into the Covid 19 relief program because I wasn't behind on my payments during the time I requested relief can ask a creditor to add it to my credit report. all 3 credit bureaus have blocked me from requesting this dispute to be filed again and or updated. 

Also, the credit bureaus do not allow you to access what was submitted. this was sent on or around XX/XX/23
Product: Checking or savings account

Around XX/XX/XXXX, I linked for wire transfer purchases my XXXX Account to my JP Morgan Chase account. 

On XX/XX/XXXX, I successfully verified via trial deposits my XXXX Account to my P Morgan Chase account, so I can wire money from JP Morgan to JP Morgan from XXXX. 

On XX/XX/XXXX, I scheduled a transfer from my XXXX Account ( Account No. XXXX XXXX to my XXXX XXXX Chase Banking Account ( either Account No. XXXX or Account No. XXXX ), and instead of the funds going through, Chase Bank froze my online login because of " suspicious activities, '' and I do not know if the transfer from the XXXX Account to the Chase Banking has been made.