23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. This account below has violated my federally protected rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX : # 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 : 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 items of information, other then records of convictions of crimes which antedates the report by more then 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

Have been trying to get Ocwen Loan Servicing to close a paid off HELOC XXXX paid off XX/XX/XXXX ) and forward to title company so that sale of property can be completed since the XXXX of XX/XX/XXXX. ( XXXX days ago ) Closing was to be on XX/XX/XXXX at XXXX, XXXX XXXX XXXX, XXXX, IN XXXX. XXXX, XXXX. I am the executor for the estate of XXXX XXXX XXXX XXXX deceased ) who was the mortgagee of this HELOC.
Product: Credit card or prepaid card

Early this year, I received a credit card, which I thought was attached to an existing KeyBank joint checking account. I activated the card and charged {$4.00} at XXXX XXXX. All cards associated with our accounts at KeyBank are paid, in full, on line and on time. In XXXX, I received a letter, indicating " the minimum amount due '' was not paid. I spoke with customer service representative, XXXX  ( ref XXXX ), who told me this is an unsecured credit card, not associated with my personal checking account. As I had not requested such a card, I asked that the card be cancelled and the account closed. I asked him to remove the late fee, as I never received a statement. He said it was an " on line '' process. I asked where this account exists on line, as this card is not showing when I log onto the KeyBank site. I asked for a paper statement so I could pay the {$4.00} owed. I received a letter about a past due account instead. I called customer service again today and was told by XXXX that the call with XXXX was " not properly closed '' so, although the account was closed, no statement was sent and I could get the information on line. I asked if she could tell me how to access this, she said she could not and transferred me to another representative. The call was dropped after our initial introduction.
Product: Credit card or prepaid card

I received notification via email and then checking with my online credit card account that my credit limit was decreased from {$6000.00} to {$1800.00} this morning due to reviews of my credit profile. The crazy thing is on their site my FICO score increased by 12 points within the last month and they say that my latest review warranted it. Very rare is what I found when researching this and very horrible in time such as this when my other cards are helping they decide to rob me!
Product: Debt collection

National Credit Systems is attempting to recover a debt of nearly {$6000.00} from me that was a result of identity theft. Someone had leased an apartment in my name in XXXX, GA and apparently walked away, resulting in an unpaid debt leading to collections. Secondly, the same individual took out an XXXX credit card in my name and purchased upwards of {$5000.00} in furniture, all in person, all within the State of Georgia. Keep in mind, I have never been to Georgia, and live/have lived in Arizona my entire life. I have filed a formal dispute with XXXX XXXX XXXX along with XXXX, XXXX and XXXX. Also, I have a police report filed with XXXX Police along with having reports with the IRS and FTC. Since these actions were taken in XXXX, XXXX and XXXX have since removed this " collections '' notice from my report as well as XXXX has approved my dispute of the credit card and has removed that from my information, as well. However, XXXX, denied my dispute and still reports this on my credit, on top of NCS still attempting to recover.
Product: Money transfer, virtual currency, or money service

Paypal refused to cancel/remove an unauthorized transaction because of a old and inactive billing authorization. 

XXXX switched, without my consent, from charging my credit card to charging my paypal account for their monthly fee ( {$10.00} on XX/XX/XXXX ). The switch appears to have occurred when I added a XXXX account under a joint promotion ( approximately XX/XX/XXXX ). I am quite certain that I did not approve any changes to my payment method, and I immediately switched the payment method back upon discovering the error. 
I noticed the switch when paypal notified me of the pending charge - there was no prior notification from either entity. I immediately notified paypal, within an hour of the email, that this charge had not been approved. Paypal 's response was that the charge was authorized because I had allowed XXXX to charge my account XXXX time in the past, XX/XX/XXXX. It is clearly possible for there to be an unauthorized charge even when there is an existing and active billing arrangement ; all the moreso for an arrangement that hasn't been used for an extended period. 
Paypal 's reasoning is flawed and they should have removed the payment as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have noticed some unauthorized and inaccurate information on my credit report. Hence, I am writing to request an investigation and removal of the unauthorized and inaccurate information. 

It seems that XXXX, TransUnion, and XXXX  have a systemic problem in its limited categorization of the inquiries it receives and its cryptic notices and responses. Their employees are no more than data entry clerks in the dispute and investigation process. Their investigations of disputes sometimes involve merely verifying that the information matches their own computer records, without undertaking a meaningful examination of the underlying facts. Therefore, I am requesting XXXX, TransUnion, and XXXX  's credit investigation to involve reviewing documents, researching facts, interviewing witnesses, or comparing handwriting. In addition, I am requesting that XXXX, TransUnion, and XXXX  obtain a copy of the underlying application or contract from the furnisher, and provide several handwriting samples, such as copies of cancelled checks, a drivers license or backs of credit cards that include my signature. If these critical documents are left out of the investigation process, it may violate the FCRA.XXXXI have been receiving harassing phone calls from some debt collectors. All of the debt collection agencies are committing actions that are prohibited by law. It is my understanding that debt collectors may not harass, oppress or abuse debtors or any third parties they contact. I have also been threatened to be taken to court if I do not pay these debts. These phone calls are completely oppressive, harassing, and burdensome. 

Please be advised that the companies performing the harassing phone calls are listed below. 
XXXX XXXX - {$400.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX - {$0.00} Please note that the account listed as XXXX XXXX XXXX has a balance of {$0.00} ; the account listed as XXXX XXXX XXXX XXXX has a balance of {$0.00} ; the account listed as XXXX XXXX XXXX XXXX XXXX XXXX has a balance of {$0.00}. 

Please be advised that there are some unauthorized hard inquiries on my credit report : XXXX XXXX XXXX XXXX, Inquiry : XX/XX/XXXX XXXX XXXX XXXX  - Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX I did not authorize or give consent to XXXX, TransUnion, XXXX  or any other agency to furnish information related to me and these transactions occurred without my permission. 

The information mentioned about is unauthorized and incorrect. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act, 15 U.S. Code 1681, 15 U.S. Code 1692g and 15 U.S. Code 1601.
Product: Checking or savings account

On XX/XX/2022 my USAA checking account was compromised/hacked, causing me to be locked out of my own account. Fraudulent charges/transactions were made without my knowledge. Upon reaching out to the institution and trying to get this problem resolved, I was told that the transactions thats ere fraudulent were my sole responsibility. When going over the transactions with the institution, they failed to protect me ( the consumer ) and failed to help me reverse those transactions and refund me those funds that were taken from me. Ive also filed a criminal report with the police department to try and have this issue resolved. Ive thoroughly explained my side of the story and provided all the information to the institution to show that I was not liable for any fraudulent transactions on my account. Here is the list of fraudulent activities that were on my account : 1. Mobile deposit of a fake check, with Forgery.

2. Transfer from account to XXXX application. 

Im seeking help in getting these resolved and getting funds back to have my account in the positive state.
Product: Credit card

I paid off my credit card in Full on XX/XX/year>. Announced to me the person that I was dating was taking my card and using it. Charging things like gift cards and other random things. Within about a month it was completely maxed and I didnt know until I tried to use it. I called the company and said that none of those charges were made by me, they asked me some questions and they said that because I didnt protect my card and that I knew the person that had done it that it was my fault and I would have to pay the charges. I dont think thats fair. I think an investigation shouldve at least been done. I need your help to resolve this with this company because I cant pay this bill.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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: Debt collection

XXXX XXXX XXXX, This message is in direct response to your reply of my CFPB Complaint. Please explain to me where it " requires '' your organization to make constant follow-up calls and emails regarding delinquent accounts. Under what law or statute is this completely legitimized? My question is of particular interest if I 've called to make payment arrangements. The CFPB has also posted a few key points of interest where harassment is imposed when debts are attempting to be collected. Some examples of harassment are : Repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone Obscene or profane language Threats of violence or harm Publishing lists of people who refuse to pay their debts ( this does not include reporting information to a credit reporting company ) Calling you without telling you who they are Please provide me with this information, because I do believe if I 've contacted your company to let you know when a payment is being made ( if it 's within 30 days being past due ), that I have the right to be free of any communication from your company. Please also keep in mind that the CFPB posts this message along with the examples above : You can also sue the debt collector for violations of the FDCPA. If you sue under the FDCPA and win, the debt collector must generally pay your attorneys fees and may also have to pay you damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the removal of an account from my credit report with Experian and XXXX. I have recently discovered that this account has been successfully removed from my credit report with XXXX XXXX XXXX, as evidenced by the attached documentation. 

Account Details : Creditor Name : XXXX XXXX Account Number : XXXX Collection Account Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Account Number : XXXX Collection Account Date : XX/XX/XXXX It is imperative that Experian and XXXX update my credit report accordingly to reflect this accurate information. The presence of this account on my credit report is misleading and can negatively impact my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,  2017 , I was checking my credit report and saw a hard inquiry fr om CBNA ( Citibank of North America ) Last Reported  by  XXXX   XXXX   XXXX ,  2017 . I did not apply for a credit card from cbna or authorize them to do do an inquiry into my credit history. I have been trying very hard for the last 3 years to get my  credit score better and do not need companies do hard inquiries into my credit history without my permission.
Product: Vehicle loan or lease

An email notification was sent to me on XX/XX/year> with a " Special Notification from Westlake Financial '' stating that " Westlake is offering to consider your account satisfied if you make single, reduced payment in the amount of {$780.00}. To accept this offer, payment must be made with certified funds and received within fourteen ( 14 ) days from the date of this communication. '' The payment was made on Monday, XX/XX/year> at XXXX XXXX  PDT. I have documents of the email notice that was sent to me and a receipt showing the date that I had made the payment. I was told by the manager who processed my payment that the account would be closed and would be reported as satisfied within the next 30 days. Over the course of a month or more, I continued to receive phone calls and notices from Westlake Financial stating that my account was still passed due. I called the company on XX/XX/year> at XXXX PST and spoke with a representative there who was able to see that there was a payment made on the agreed amount as stated in the email notice. However, he explained to me that the account had not been conditioned to reflect the account as satisfied and would go ahead and report it as such. He told me that the account would be reported in the next 30 days. Westlake Financial had neglected to report my account as satisfied when I had made the initial payment and continued to report my account as delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen XXXX XXXX and reported to authorities, 7 year freeze placed. 
XXXX XXXX reported XXXX inquiries to Equifax, all fraudulent. All other creditors corrected/updated information with XXXX credit bureaus but NOT XXXX. 

I disputed with Equifax and XXXX reported " inquiries are a factual record of file access '', which THEY ARE NOT. I tried calling both numbers provided by Equifax to contact the creditor in order to dispute the unauthorized access. First, called XXXX XXXX XXXX XXXX, referred me to ( XXXX XXXX XXXX, customer service stated XXXX XXXX was a credit card company and to contact XXXX XXXX XXXX XXXX. Both times I actually reached them, they hung up on me BUT not before telling me applications can only be seen for 60 days, so even if applications are fraudulent, can not be removed if made over 60 days ago. Unreal.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit reports and found multiple accounts with conflicting information between the 3 credit bureaus for the same accounts that list different account numbers, date of last activity, last payment date, balance, account status, and original balance. I am requesting that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate.

Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : I have attached a copy of my ID for identity verification and a bill for address verification. 

XXXX XXXXXXXX XXXX  ACCOUNT XXXX  : XXXX | Balance : {$500.00} Additionally there is a public record listed that should not be listed on my credit report as the courts do NOT report public record information to the credit bureaus which means that information was illegally posted to my credit report without my written authorization. Unless this written authorization can be provided by each of the credit bureaus this information must be removed immediately. Further the information presented is not accurate and that is further infringing on my rights and a direct violation of the FCRA as the law requires 100 % accuracy on all consumer credit reports. I have contacted the alleged furnisher who has confirmed they never provided this information to the credit bureaus which is another violation and makes the credit bureau liable for damages, which I will be seeking if this item is not removed or my written authorization provided showing I requested or allowed this information to be posted to my consumer report. 

U.S. Bankruptcy Court | Reference XXXX  : XXXXXXXX US DIST XXXX | Reference XXXX  : XXXX
Product: Mortgage

I refinanced my home with Cardinal Financial in XX/XX/2019 they withheld 9 months of my loan Proceeds in escrow for Homeowners Insurance. They were billed b y my Insurance Company XXXX on XX/XX/2019. As of today 's date XX/XX/2019 they have failed to pay the premium and my policy is due to be canceled. In doing research Online they have many complaints about this practice of not paying taxes and Insurance and peoples escrow funds disappearing.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan was recently transferred in XXXX. The new loan company has reported the information more than XXXX time as more than XXXX account when in actuality it is only supposed to be XXXX account. It only has XXXX account number on all XXXX accounts being reported. I had disputed this with experian and transunion and both came back as verified accurate. When I called the loan company they told me that it will go back to what it was before eventually, not even given a date and said there was nothing else they can do and I also have the option to consolidate it to join them together. I shouldn't need to consolidate a loan that is only XXXX account to begin with. Both bureaus and company refuse to delete off my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax would not remove a bankruptcy for my credit report which is not mine
Product: Debt collection

I have two debts that appear on my credit reports from credit collection svcs one for XXXX for XXXX XXXX and another for XXXX from XXXX. I have sent the company over and over my court paperwork and police report which clearly state these are not mine and I am a victim of identity theft. They instead sent back false paperwork with my wrong name and address that was dated 3 years after the debt took place. They are intentionally trying to collect an illegal debt and ruing my credit history.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN # XXXX US Department of Treasury Account # XXXX Transworld Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Formal Dispute of Debt and Alleged FDCPA Violations Account Number : Dear Transworld Systems I am writing to dispute the debt referenced above, as permitted under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). I request that you immediately cease all collection activities and provide validation of the alleged debt, as required by law. In addition, I have identified several potential violations of the FDCPA in your collection efforts, including but not limited to the following : Adding Unauthorized Fees or Charges You appear to have added fees or charges to the alleged debt that were not authorized by any agreement or permitted by law. Attempting to Collect Debts Not Owed or Already Discharged You have attempted to collect a debt that I do not owe or that has been previously discharged. Please provide proof that this debt is valid and legally enforceable. Failure to Validate the Debt You failed to provide a written notice of the debt within five days of your initial contact, as required by law. This notice must include the amount of the debt, the name of the original creditor, and information about my right to dispute the debt. Despite my dispute of this debt and request for verification, you have continued collection activities without providing the necessary validation. To comply with the FDCPA, I demand the following : Validation of the Debt : Provide documentation that substantiates the debt, including the name of the original creditor, an itemized account of the charges, and proof that you are authorized to collect it. Cease and Desist : Until you have validated the debt, cease all collection efforts, including communication with me. If these violations are not remedied and if you fail to validate this debt, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), my state attorney general, and consider legal action for damages. Please respond in writing and include the requested validation documents within 30 days of receiving this letter. Send your response to the address listed above. 

I have uploaded my license and my bill to verify my identity
Product: Mortgage

Seterus/XXXX in CFPB compliant XXXX, I complained that Seterus is not providing me with the assumption documents due to be heir to my dad 's homestead that under florida law upon his death by default I become owner of the property. Seterus responded that I still need to provide other documents to proceed with the assumption documents. 
I have filed bankruptcy protection on my property as heir at the time of my dad 's death. 
Seterus did not dispute my ownership to the property and is requesting to continue the mortgage payments, thus its concession of my standing as ownership. 
XXXX district of florida XXXX How can i continue the loan payments when seterus is not providing any documents executing me the legal title owner of the property and responsible for the mortgage loan Until I execute the required documents to assume the loan why should I continue making the payments Seterus is willfully violating federal law, Garn-St German Act ; CFPB Final Rules 12 CFR part. 1024-1026 XX/XX/2016 and regulation on assumption of loan as heir to decease father and at the same time grossly unlawfully in bankruptcy proceeding requesting me to continue payments.