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

I am a victim of identity theft. I have never given any permission for any consumer reporting agency to furnish my credit report. In light of the data breach at XXXX and other institutions, my privacy has been compromised. The company also included unverified and inaccurate information on my credit report from a third party. I have a right to privacy. 15 US 1681 ( a ) ( 2 ) states that a consumer reporting agency may furnish a consumer credit report with the written instructions from the consumer to whom the report relates. Permissible purpose is written consent, I have never given written consent therefore this is also identity theft.
Product: Checking or savings account

Citi bank has had a error on showing accurate account balance, they post my check payment late and once they are posted NOT pending all my credit card payment go in to negative status but my card transactions are still posting the next day citi bank than reverse all my posted check to add up to my bank transactions and charges me overdraft and reverse check fee. I opt out on overdraft but they never let my bank card transactions post in negative they just start reversing all my electronic check payment without my permission. When I call to complain about my bank card transactions they tell me I ran my card when it was zero and that impossible because due to me not being enrolled in overdraft they dont allow me to do when I ran my bank card funds were available. Than the next day when they reverse the bank check and post credit card they tell me other story making it my fault. Banks are supposed to be more consistent and accurate and they cant reverse posted payment without permission
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 15 U.S.C. 1692c ( b ). that law clearly states In this section, the FDCPA sets forth who a debt collector can communicate with in connection with the collection of a debt without the consumer 's consent.

( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 oclock antemeridian and before 9 oclock postmeridian, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from thedebt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving suchcommunication.

( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of theconsumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of anydebt, with any person other than theconsumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of thecreditor, or the attorney of the debt collector.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumerwishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that thedebt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that thedebt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector orcreditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX Balance : {$3200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

For 2 Accounts, THD/CBNA ( Home Depot Credit Card XXXX Account # XXXX the report my payment late for XX/XX/2023 to the credit bueru
Product: Debt collection

Contacted the telephone number provided for the company ( KINUM INC ) pursuing me for collections at XXXX and the number is invalid and does not work. Attached is a copy of the debt displayed on my XXXX credit report.
Product: Mortgage

I am being charged extra escrow to pay county taxes, I do not pay county taxes, I am a XXXX veteran. My mortgage was sold by XXXX XXXX XXXX to Nationstar. Never had a problem with XXXX XXXX XXXX and within XXXX month problems with Nationstar.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a credit card approvals. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax data breach in XXXX XXXX affects a large portion of Americans and the self identification of whether you are affected or not appears to be bogus. Thus, it is unclear whether I personally am affected and what steps would be most prudent for me to take. However, the current uncertainty and lack of clarity from Equifax following this breach leads great credence to my belief that I should assume my information was breached.
Product: Credit reporting, credit repair services, or other personal consumer reports

i filed a complaint with XXXX, Equifax, and XXXX about the following accounts : Account name : XXXX XXXX XXXX 
Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX These companies violated my federal rights. 15 U.S.C. 1681 Section 602 ( A ) states : I have the right to privacy. 15 U.S.C. 1681 Section 604 ( A ) states : Consumer Reporting Agency can not furnish an account without my written instruction. XXXX XXXX has been deleted from my Equifax Credit Report, XXXX Credit Report, and XXXX Credit Report. XXXX XXXX has been removed from my Equifax Credit Report but not from my XXXX or XXXX Credit Reports. I do not understand how it can be removed from one Credit Bureau but not the other two. XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX chose to ignore my request for deletion and simply updated my accounts. By updating my accounts, they violated the same Federal Rights that I informed them that they previously violated. I have spoken with legal counsel, and he informed me that i have every right to move forward with legal action resulting in financial compensation for not only violating my Federal Rights once but ignoring my request of deletion and updating the account and once again reporting it to the credit bureaus without my written instruction. i am 100 % certain i have not given my written instruction to anyone/company. I have decided to file one more complaint before taking legal action and i am again requesting that those accounts be deleted from my credit report immediately. Once the accounts are deleted, I'm requesting a copy of my updated credit report sent certified mail so there is an independent witness to it being delivered. Thanks in advance for your cooperation. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Between XX/XX/XXXX and XX/XX/XXXX Key Bank branch located in XXXX MA allowed the abuse of a temporary POA post XXXX suffered in XX/XX/XXXX by my son. They allowed multiple savings, checking accounts and cd 's in excess of {$480000.00} to be manipulated, withdrawn and removed my name completely from all the above. This happened within only 2 months post a business relationship I had with this institution over 40 years. Even after myself and my other children went to the branch with court signed legal documents showing them that anything my son had me sign as I continued to recover had been revoked by my attorney they still allowed me no access or even tracking of where my money went. Multiple times myself, my attorney and other children went into this bank and were turned away without explanation. Since this happened my life has been in crisis mode.
Product: Money transfer, virtual currency, or money service

I am a vacation rental host with XXXX, who uses Hyperwallet/PayPal for paying the hosts. I contacted XXXX on XX/XX/year> to inform them that someone attempted to change the bank account on my profile to redirect payments to them. Clearly, the account was not mine ( different name and different bank ). This happened XXXX more times with XXXX additional individuals successfully rerouting funds due to me for reservations. I have been trying to get XXXX to unwind this, but I'm getting nowhere and very uncomfortable about where my upcoming payouts will wind up, due to the clear indication that Hyperwallet/Paypal are unable to secure their processes. This is an ongoing problem that is not isolated with XXXX host - others on XXXX, etc, are saying the same thing. This is an outrage, especially since there is clearly no sense of urgency on their part and they are making no effort to respond to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, After receiving a FICO score alert from my XXXX XXXX account, it has come to my attention that a XXXX credit card account was opened and abused without my permission under my name and sent to a rental property address that we own. Please let me know if you need further information to resolve this issue. I am requesting that this account be removed from my credit reporting agencies upon receipt of this letter. We are applying for a refinance on our rental property and this account has dropped our score considerably. We believe a family friend who was residing at our rental property at XXXX XXXX XXXX XXXX XXXX for the last 7 months is the one responsible for these fraudulent accounts being opened. We know he also resides in California, but has had a history of XXXX XXXX, along with XXXX XXXX  and were providing him a place to stay while he was attempting to get his life in order. We believe he had accessed our personal information that was stored on-site at our XXXX XXXX property and used it open several credit card accounts. We have contacted the proper authorities as well. Please provide us with any further information, as we will be notifying the credit bureaus as well. We are also filing complaints with the FTC, XXXX XXXX XXXX and the Consumer Financial Protection Bureau to make sure we are not held responsible for this fraudulent account and charges. I do not understand why I did not receive any phone verification from XXXX in order to open this account. All the other creditors I have past accounts with have gone through a multiple-step verification to open a credit card account given the amount of ID theft these days.
Product: Credit reporting or other personal consumer reports

I tried to get my previous held student loans from XXXX removed from my report. I had other XXXX loans that were removed after I applied for the XXXX XXXX program like they were supposed to be. Somehow XXXX XXXX loans remain on my credit report even though all my loans were sold to XXXX and XXXX are in good standing. I have disputed this information twice to no avail. They refuse to remove it.
Product: Credit reporting

The credit reporting agencies ; XXXX, Equifax and XXXX are reporting a public Record Bankruptcy which is inaccurate in it filing. The CB 's are stating that the information has been " VERIFIED '' according to XXXX and the bankruptcy court. Both the XXXX court of Clerks and Lexis Nexis have verified that the information is NOT reporting therefore is NOT VERIFIED. According to the law and my rights under the the law of the FCRA, Consumer Debt Law and the Public Record Act, if the information stated is INACCURATE IT MUST BE REMOVED or provide material evidence of who, how and where it is reporting!! I am requesting that the CFPB advocate for me in this matter.
Product: Mortgage

The response is fraudulent because I XXXX XXXX legally own the property at XXXX XXXX XXXX XXXX XXXX XXXX, MA, XXXX and I do not have any mortgage on this property and neither does my father XXXX XXXX, The only signed mortgage notes are registered at the registry of deeds XXXX from XXXX Mortgage that has been discharged and the other from XXXX a division of XXXX XXXX Bank and no payment has been made on neither of them for over six years which is well passed the statue of limitations for the state of MA, as confirmed with the Federal Trade Commission. XXXX and Ocwen Loan Servicing LLC does not have any signed supporting documents such as notes registered at the registry of deeds, because of this XXXX and Ocwen Loan Servicing are breaking the law by denying me my Human and Constitutional Rights and also committing bank fraud.
Product: Debt collection

DCI Credit Services , Inc. has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Checking or savings account

I was charged 5 overdraft fees of {$35.00} on XXXX and XXXX. I was told we where going to be given 48 hours to correct any negative balance which I did. These transactions were accidental ach payments for less than XXXX  each
Product: Debt collection

received a letter dated XX/XX/year> stating an amount due. Provided a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX number. I live in XXXX. it was a settlement letter. No other contact has been made by this company. There was no dispute information enclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a car and got 4 hard inquiries for that car. I have 2 XXXX  credit cards but have 3 hard inquires. Also I have Three hard inquiries that I do not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My identity was stolen me and my family will be facing homelessness due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED Companies listed below are reporting accounts obtained thru identity theft CAPITAL ONE
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised between XXXX and XXXX. During this time several inquiries were made on my Transunion report. I demand that these items be removed immediately. 
XXXX XXXX XXXX XXXX. XXXX
Product: Debt collection

I am writing to complain about Sallie Mae 's continuous harassing debt calls. I sent a cease and desist email to Sallie Mae on XX/XX/2022, please see the attachments. I also advised the Sallie Mae representative twice not to call me anymore on XX/XX/2022, and XX/XX/2022. Both phone calls were recorded. I also advised Sallie Mae 's representative about calls being recorded. Despite that, Sallie Mae continues harassing me. In their recent response to my complaint on the CFPB portal on XX/XX/2022, Sallie Mae responded that my phone number has been removed from their automatic dialer, but the calls still continued on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX calls, XX/XX/XXXX, and XX/XX/XXXX. 

Sallie Mae continues to break State Law. Even one call after receiving notice from a debtor can subject a debt collector to punishment.

The FDCPA prohibits debt collectors from harassing, oppressing, or abusing you with repeated or continuous telephone calls. With this I am clearly stating again that I am not consenting to Sallie Mae to call me anymore, I hope I made myself clear.
Product: Debt collection

Im showing that there is a dent on my credit report that Im not aware of I have a FTC report now for fraudulent items on my report also I was never contacted to even dispute this matter they also broke the same bill from the same place up into two separate bills so it looks as if I have two negative collections on my credit report I want this removed or Im going to sue this debt was sold to collection
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunions reporting multiple incorrect address, phone number, and alien names on my credit report. Inaccurate information being reported in my credit report. 

Letter was sent to update correct information and remove false information.
Product: Credit reporting or other personal consumer reports

please delete the following accounts and inquires this is all incorrect I been disputing this accounts since last month but still showing on my credit report i want to delete it now. I'm so stress. 
XXXX  Account Number : XXXX {$14000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently viewed my credit report and found inquiries that I did not authorized nor have awareness of. One of them is ALLY FINANCIAL Date of Inquiry XXXX. The Bureaus are violating my rights according to the FCRA Law by allowing other company have access to my file. Please help me have these inquiries deleted as soon as possible as this is hurting my credit score.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. This account has previously been disputed and I am attaching new information to this complaint including a copy of the police report submission along with the official police report summary and police report number. I have also attached a copy of the official dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX XXXX XXXX that is in good standing and all payments have been paid on time and the full amount. XXXX XXXX XXXX Comenity Bank, now Bread XXXX ) reported that I had settled the account with the credit bureaus. This is inaccurate I did not settle this account, it is current and in good standing. When I tried to get help from XXXX XXXX credit card customer service they would not give me any assurances that they would correct the reporting.
Product: Credit card

They call me every day between 6-7 times some days even more times. This is flat out harassment and I would like them to have to pay a fine for the continued harassment even on weekends it goes on and on.
Product: Debt collection

There was a reported debt on my credit report marked as derigatory from a credit collection agency which came from my previous company XXXX. I have no idea on this debt as I already left the company XXXX 2013. I have all the clearance from XXXX and I dont know of any debts.
Product: Debt collection

XX/XX/19 : Received voicemail stating There have been several complaints in our office and have made multiple attempts to reach you at your home address Did not receive letters at home nor do I have anything on credit report for any debts. 
XX/XX/19 : Receive multiple missed calls from same phone number XXXX ( XXXX ) XXXX, no voicemail or company information given. 
XX/XX/19 : Company calls my place of employment and gives information to an employee about myself. I return call asking to not be contacted at a business. Lady threatens to contact work again and doesnt provide any information for reason of call just that they would be serving me with paperwork. I do not feel it is legal for any company to contact a place of business and give information over the phone. Debt collectors or mediators should not be allowed to contact places of business. I do not provide any personal information at any point, it is not my debt. I do not want them calling my personal phone let alone an employer.
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX, XXXX. 
Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.