23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Most likely, this was Identity Theft after an insurance data leak. 
My credit score is badly influenced and is impacting my life. 
Utility Account Opened by the Thief Company or Organization : TRANSWORLD SYSTEM INC 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: Checking or savings account

I have been with this bank for 20 years and have had maybe one fraud case before. I was locked out of my account recently and waited and waited for close to an hour without getting anyone to get back in so I hung up. About 3 days later, my regions card was declined, which is odd, since I have over XXXX put into my account a month. I finally got into my account and found I was hacked with charges from back in XXXX for around {$3000.00}. I went to the bank and put in a claim, since I had no idea of the vendor and wanted to dispute. I put in the claim on Monday and received a small credit of about XXXX that included fees. I went to the mailbox today and received 4 pages of explanations of why they denied the claims. Now, these are some of the SAME VENDORS THAT THEY PAID EARLIER. I get an explanation of VERIFIED WITH CARD CREDENTIALS, which is false. Not one person called me, and some of the same vendors they credited my account back for and stated the items were paid and the claim was valid. The claim number is XXXX and XXXX. I am not one that sits there and looks at my account, since I put so much money in a month, but wouldn't the bank think it's odd that I was XXXX and NEVER contact me? This is BAD BUSINESS to not even investigate. It also states on the denial that NO REPORT OF CARD, THEFT OR COMPROMISE. These items are ALL online!!! I AM LIVID and BAD BUSINESS, not to mention the close to XXXX they made on me on OD Charges!!
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX in XXXX RI sold my mortgage to PHH XXXX XXXX NJ on XX/XX/year>. I had no choice in this matter and a bunch of mortgages were sold. 

1 ) The day the sale went through, XX/XX/year>, my credit score plunged XXXX points. It still has not come back up to what it was. 
2 ) I received a letter of Delinquent Property taxes from the Town of XXXX RI which is where I live. Property taxes were due on XX/XX/year> and they have not been paid. In a few days the XXXX of XXXX will be charging me daily penalty fees if these taxes are not paid,. I have an escrow account with PHH Mortgage that was transfered to them by XXXX  XXXX. This account has close to {$5000.00} in it. I have never been late with a payment to XXXX XXXXXXXX or PHH mortgage. 
3 ) I have pleaded with both banks to resolve this matter. I have been trying to get this resolved for a while and provided PHH the letter of deliquency a week ago.. Neither bank will pay the property tax which is approx {$1700.00}. I have paid for the taxes already via escrow. PHH still says they are not liable for taxes due before XXXX. XXXX XXXX says they are not responsible for anything after XX/XX/year>. Lots of other people in my town are experiencing this exact issue because their mortgage was also sold to PHH. I believe PHH is at fault but don't really know how all this works. Please help! 
Thanks, XXXX XXXX
Product: Debt collection

XX/XX/2024 : This XXXX debt is 7-8 years old and was purchased by Calvary. The debt is for less than {$3000.00}. Either Calvary or a third party called me and left a legal message. They said they are filing a case in XXXX XXXX. Then they called my ex-husband, leaving the same message. We have not been married or spoken for 10 years. They should not contact him for anything. That cant be lawful or ethical. The message they left, for my ex-husband, included my address. This is obscene. There is a history that exists, whereby he should not have my address. Not safe for me. 
Their number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I called them. They have my name incorrect. I have never been XXXX XXXX XXXX. XXXX hasnt been my last name for 10 years. They demanded I confirm my date of birth and last 4 of my social before telling me any info. I told them they shouldnt call someones ex-husband but they claimed we were connected. We are not connected in any way whatsoever. I confirmed that I was aware of this XXXX year old debt and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : 1 XXXX - Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I put a security freeze on all three credit agencies. I needed to lift it temporarily, and had NO problem with XXXX  and XXXX. Experian, apparently, sent me a PIN number in the mail, which I do not recall receiving. I answered questions it asked online, but the company would not life my freeze and wants me to send in a copy of my drivers license, bills and other proof of who I am, and will not lift the freeze or allow me to use a verbal identification over the phone with SSN, former addresses, and other proof of identity. I'm ticked off, because they make is so difficult to lift my freeze and can not make it reasonable like the other two services. Meanwhile, because I can not get the freeze lifted, I'm losing {$600.00} by not having my credit approved in time. 

We have no choice to be able to remove them from our credit services. I'm frustrated and feel that they should be sued for restricting commerce.
Product: Checking or savings account

It's a dispute that happened on XXXX XXXX. They can't give me a reason as to why the investigation team has yet to have an update. There was 2 dispute done on the same day XX/XX/2023 one was done the other is still lingering no action or realistic update.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called transunion numerous times. They have agreed to delete these inquiries and it is still reflecting on my report. I want these inquiries deleted immediately. They are in violation of the laws.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding the multiple overdraft fees I have incurred. Despite my account having sufficient funds when the transaction was authorized, I was charged due to the lag of them posting charges and credits. This issue coincides with the recent findings of the CFPB against Navy Federal credit Union. 
The CFPB findings against Navy Federal credit Union show similar practice where transactions were completed with insufficient funds, despite the funds being initially available. 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

As my credit report states on XXXX XXXX that a XXXX XXXX XXXX XXXX account was opened however I did not open the credit card. On XXXX XXXX a credit card open in XXXX  XXXX that was not made by me. XXXX XX/XX/XXXX someone opened up an account with capital one bank. I called capital one and they explained to me have no record of my name in their system. Lastly on XX/XX/XXXX I see a transaction at XXXX XXXX XXXX which was not done by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this Public Record on this Bankruptcy chapter XXXX-discharged XXXX for months.XXXX and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : Affirm Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, To Whom It May Concern, I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following ALLEGED collection account is not only listed as being OPEN, but also with a PAST DUE BALANCE of {$120.00}. This is a violation of requisite XXXX Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove the account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion. Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I purchased a prepaid XXXX valued at {$25.00} through XXXX XXXX XXXX XXXX at one of their supercenter locations. I was charged a {$3.00} activation fee through the store. The card was activated, and I registered it online. I tried to use it for an online purchase, but unable to do so. I called the company which handles the card, XXXX to sort it out. After learning the card would be useless for my intended purposes, I asked if there was a way to get a refund. Instead of answering the question, the agent canceled the card as lost ( it was n't ),  and ordered a new one which they initially were going to charge me a fee to do so. They eventually waived the fee to replace the card, but nothing else. I still will not be able to use the card as intended, and I am still out the {$3.00} activation fee. I also have to wait 7 to 10 business days to get access to the money.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX {$300.00} Account closed XX/XX/XXXX {$2000.00} Account closed XX/XX/XXXX {$3600.00} Account closed XX/XX/XXXX {$300.00} Account closed XX/XX/XXXX {$230000.00} Account open XX/XX/XXXX {$230000.00} Account closed XX/XX/XXXX {$13000.00} Account closed XX/XX/XXXX {$2500.00} Account closed XX/XX/XXXX {$6000.00} Account closed XX/XX/XXXX XXXX Account closed 15 U.S. Code 1681 : sec 602- i have my rights to privacy. 

15 U.S. Code 1681s2 -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.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.
Product: Debt collection

I sent a debt validation letter to XXXX XXXX concerning both of my collections with them from XXXX XXXX. And i did not receive any correspondence back from them.
Product: Debt collection

This stems from an alleged amount still owed to XXXX XXXX XXXX, that went into collections. XXXX XXXX XXXX had been contacted numerous times with regards to this problem of a balance that is NOT owed. XXXX XXXX XXXX repeatedly transferred me from one department to another. One would tell me it was paid, and another would tell me they had no record of it but that it must owed because it went collections. XXXX XXXX XXXX would provide not me with documentation justifying the amount allegedly owed. For the last 4+ years I have been trying to get this resolved to no avail. when I changed telephone service providers XXXX XXXX XXXX would not release the phone numbers unless the balance was paid, so needless to say any outstanding balance was paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX 1

5 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of id theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and
no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; CAPITAL XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX was requested to delete Hard inquires that was not authorized on my consumer credit report and they failed to uphold to 15 USC 1681 and 15 USC 1602. The following inquires are not authorized and need to be deleted. XXXX ( XX/XX/year> ), XXXX XXXX ( XX/XX/year> ), XXXX XXXX XXXX XX/XX/year> ), XXXX  ( XX/XX/year> ), XXXX ( XX/XX/year> ), XXXX-XXXX  ( XX/XX/year>. I ALSO WANT ALL ADDRESSES THAT ARE NOT CURRENT DELETED, ALL PHONES NUMBERS THAT ARE NOT CURRENT, AND NAMES THAT ARE NOT MY CURRENT NAME DELETED.
Product: Debt collection

On XX/XX/year> I sent certified letter to amcol systems in South Carolina to cease and desist and provide me with purchase agreement between XXXX XXXX and amcol systems they didnt and by law they have violated the the hippa law for selling personal health information it is illegal to sell health information without a persons consent amcol has violated many facts rights now and has been sued for the same unlawful collection activities before this is not my debt and I never signed a agreement with amcol to pay anything I demand that they dismiss with motion to vacate and dismiss entire bad debt which is someone elses their continuing harassment of my family by mail calls will not be tolerated.
Product: Checking or savings account

I am writing to report a severe case of identity theft that occurred on XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, someone used my name, email, and social security number to open a Private Client Checking account with Chase Bank. 

Chase Bank assured me on XX/XX/2023, that they closed the fraudulent account, and I froze my credit with XXXX and XXXX for protection. 

However, on XX/XX/2023, I received an email notification from the supposedly closed account ending on XXXX, indicating a new statement was available. This suggests the account remains open, revealing a security lapse on Chase Bank 's part. 

I urgently request the Consumer Financial Protection Bureau 's investigation to help with this situation and prevent further harm to my financial security.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with TransUnion in regards to XXXX and their current reporting of my having a delinquent loan with them. TransUnion is the only credit reporting agency that is reporting this loan, as it is illegal and predatory in nature. They did not investigate. Their only response was " creditor disagrees. '' It remains on my TransUnion credit report, affecting that score. 

XXXX was sent a letter of ACH authorization revocation on XX/XX/22. It had come to my attention at that time that not only were they not licensed to supply loans in the state of Michigan, they were also in violation of state laws in regards to maximum loan amount, loan term, and maximum finance rate and fees. I have paid over {$3400.00} on a {$2000.00} loan, yet my balance on the loan is still well over {$2300.00}. How is this possible? However, they are continuing to report to TransUnion that I'm " late '' on payments. 

TransUnion clearly did not truly investigate my online dispute. Since that time, I have filed a paper complain via the mail, along with documentation, and I am hoping that they will do a better job this next time around.
Product: Debt collection

They called my work in XX/XX/XXXX, I wrote an email to not call my work. They said they will put a note in my file. They called me in XX/XX/XXXX, again, I told them i cant receive personal calls at work, to put in my file to stop calling. They called me again this morning at work, XX/XX/XXXX. I told them this is the third time me telling you to stop calling my place of work, they will note in my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed items that do not belong to me. Since XXXX a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4300.00} ; XXXX XXXX XXXX XXXX : {$3300.00} ; XXXX XXXX XXXX Balance XXXX {$17000.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX  XXXX
Product: Debt collection

I was under a contract XXXX started using pre paid phones for a lower price for same service I negotatefd with them because of this and also because my service was very poor and I was being charged for thinks I did not use. I told them I was writing the XXXX Attorneys office about this and the changes they made in my contract ( witch i was almost over ) without my knoldege or permission.They told me I would be released from my contract to start using pre pay service, witch I did.because of poor service and my repeaditly complaining about service. I had a spending limit per mont under contract if I went over 30 days not paying my bill my service would have been shut off, so how can they say I owe this amount anyway. My monthly limit was around XXXX. 
They also reported this same amount XXXX to the credit breaures. How can they do this XXXX. I am not writting a letter to the State of XXXX fileing a complaint against the and XXXX see if reporting XXXX to the credit breaurs is leagl, I do n't beleaive it is. I want this off my credit reports right away or I will hire a law firm to handle this for me.
Product: Credit reporting or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Reason- I've asked XXXX, Transunion XXXX XXXX to take off these accounts because it's not accurate information it was not verified and they did not respond to last two disputes.
Product: Credit card or prepaid card

I had made a payment on XX/XX/XXXX. I have no late payments with this company ever, or any for that matter. The payment was not processed through my bank because the bank had made some adjustments. I did not receive any correspondence from Capital One until I got a credit alert advising me that I had a 30 day late payment tacked to my credit history reports. I immediately logged on to capital one to see it. I called them rectified the payment. I requested that they show me current when they report it to the bureau next. I was told by the senior manager XXXX, they do not do that at Capital One. He advised they did reach out by sending me a physical letter on the XXXX of XXXX, which clearly would not arrive in time for me to have made any changes. This company is pathetic, and that is why they have lost my business. This should not be an issue.
Product: Debt collection

I " never '' received a bill from XXXX XXXX XXXX XXXX XXXXXXXX for {$510.00} from XX/XX/XXXX from when I was hospitalized. I received XXXX collection notice in the mail on XX/XX/XXXX I've contacted my Insurance company they contacted XXXX XXXX of XXXX XXXX, they told them it was coded wrong and I would not receive any more collection notices and if I did to ignore them, and due to the lengthy gap. I have received collection notices from XXXX XXXX XXXX XXXX dated on XX/XX/XXXX phone # XXXX then received another collection notice from XXXX XXXX dated on XX/XX/XXXX phone # XXXX then received another collection notice from ability recovery services llc dated on XX/XX/XXXX phone # XXXX all collection notices have different account numbers, I personally contacted ability recovery services on XX/XX/XXXX when I found out this hit my credit score and tried to explain what all had happened the man cursed at me several times and told me to pay the XXXX  bill if I wanted my credit score fixed and that would take about 30 days after it's paid, and is it legal to try and get someone to pay something that has a balance of XXXX $ and after being cussed at I contacted my Insurance company again ability recovery services were mean with myself and my insurance company too. I've contacted my XXXX company numerous times on this matter XX/XX/XXXX then again XX/XX/XXXX then again XX/XX/XXXX then again today XX/XX/XXXX this is getting a bit upsetting and ridiculous. I need your help plz I do not know if this is a scam or not, I have not paid them anything I just want this settled and my XXXX XXXX fixed