23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XX/XX/XXXX2019 Problem : Failure of access Citi Bank Thank You reward points XXXX XXXX  Checking account is linked to Citi Bank Thank You REWARD points with Ciit Bank.

When transferred to XXXX XXXX I am verified with my checking account number, last 4 digits of social security number. XXXX struggles each time I contact Ciit to redeem points then transferred to XXXX and FAILURE to allow me access to my reward points. XXXX XXXX   can not access my account by by Name nor checking account number even though automated system can!

XXXX   demands my Member ID number which is NOT on my checking ccount statement, XXXX tells me it ; 's on a credit card statement but I do not have a XXXX  Credit card.

XXXX is equal to {$550.00}. XXXX of CASH!

CITI BANK is denying me {$550.00} which I trying to sue for travel purposes.
Product: Money transfer, virtual currency, or money service

In XXXX an order was delivered to the incorrect address. I contacted the third party for a refund or order replacement but received neither. I contacted the card company I used for the transaction- Cash App, for a Chargeback request and was immediately denied without review of my supporting documentation.
Product: Mortgage

on XX/XX/XXXX Selene Finance was billed for my home owners Insurance for {$1500.00} my escrow for tax and Homeowners Ins. account balance was {$2100.00} Selene payed {$1000.00}. In XXXX and XXXX Selene payed the full amount .Selene never contacted anyone. Thats why selene never received a proof of coverage selene neglected to pay the full amount. I contacted XXXX XXXX customer service phone # ( XXXX ) XXXX. XXXX XXXX sent me a letter, Insurance was Cancelled for lack of payment. I also called my insurance agent stated they were never contacted and the insurance limits were up to date, amount {$150000.00}. Selene put me on force placed Insurance XX/XX/XXXX at {$220.00} a month. My mortgage cost went from {$550.00} to {$710.00}. Hurricane Irma did damage to my home I still don '' t have air conditioning and 2 damage windows and roof leak which made a mess of back bedroom. I have tried to talk to Selene with no help. Then I started to get letters from Selene that my Homeowners had cancelled XX/XX/XXXX and I was getting force placed Insurance for loan amount XXXX would cost {$110.00} monthly. I was unable to get my own Insurance because of repairs which needed repaired. I was curious if Florida statue 501. 137 would help me.
Product: Debt collection

In XXXXXXXX of XXXX  I had a baby. Over the course of multiple visits with my doctor, I proactively paid for my hospital bill in full. 

More than a year after giving birth, I began to receive collection calls regarding my hospital bills. I asked for an explanation but received none. I was told I needed to contact the medical center directly to be able to release that info. 

I did so. Multiple times. Left messages. Asked for a bill. My husband did the same. No response. 

We are now 3 years and 4 vendors into getting collection calls and letters for a debt of {$1600.00}. I have disputed the debt each time the account has been sent to a new collection agency. After requesting my validation of debt, 2 of the 4 agencies provided an email to request a copy of the itemized statement or billing form. I first did so within the allotted time frame on XX/XX/XXXX. I received the exact same form today stating I need to fill out the exact same request when I received nothing from them from the request on XX/XX/XXXX or any of the other times I have requested documentation. 

At this point, there have been so many violations of my rights under the FDCPA, the service provider is lucky I haven't hired an attorney to pursue damages regarding their reckless effort to collect this alleged debt.
Product: Debt collection

The company Fein Such Kahn & Shepard, P.C XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX On XX/XX/XXXX mail me a debt collection representing XXXX XXXX  and XXXX XXXX XXXX. To respond to a Judgment currently own by them that was filled against me for {$2400.00} as XX/XX/XXXX. ( XXXX + ) On XXXX this card was charged off form my credit report for {$1800.00} and XXXX XXXX XXXX XXXX Filed a judgment, never contacted me about a debt collection and put it on my credit report for {$2300.00}. After, while and no prove of debt to them this was out of my credit report. And not current. I never got any paper or supporting document from them. 

After CFPB had found this company violating the fair credit act multiple times. ( XXXX debt, collecting or suing on debt that was outside the statute of limitation, making representations about unsubstantiated debt and initiated thousands of legal actions against consumers when it lacked proper documentation about the debt ) .They are trying to collect from another way. I do not own this and I believe trying to take advantages of me. 

Company provide me 30 days to dispute. I had send a certify letter explaining them of being a victim of XXXX XXXX XXXX, Violation of the consumer rights. They state to also accept request to XXXX If you go online you do not find any place to send information on this to dispute on their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX Account Number XXXX In accordance with the Fair Credit Reporting Act, XXXX  Account Number XXXX has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It is also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours starting the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with Federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I reached out to the company because I saw that multiple credit reporting agencies fraudulently obtained my information and fraudulently accessed my consumer reports and made entries to my reports. I OPTED OUT, pursuant to 15 USC 6802, 12 CFR 1016.1, also making them aware of the violations committed against me were in violation of the Gramm Leach Bliley Act. The purpose of 12 CFR 1016.1, as disclosed by the congress, governs the treatment of nonpublic personal information about consumers by the financial institutions, that they listed.

I also informed all consumer reporting agencies of them violating my privacy, pursuant to The Privacy Act of 1974, 5 USC 552a. Part b of 5 USC 552, states the conditions of disclosure, " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.

In accordance with the FCRA, 15 USC 1681 section 602, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Equifax, XXXX, XXXX, XXXX and XXXX XXXX are consumer reporting agencies, and I am the consumer, to whom these consumer reports relate to. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, are all financial institutions as defined in 15 USC 1681 section 604. None of these companies had my permission to disclose my personal nonpublic information, verbal nor written consent was supplied by me to these companies. Equifax, XXXX, XXXX, XXXX, and the companies listed above, verbal, non-verbal, written, implied or otherwise is revoked, pursuant to 15 USC 6802 ( b ) ( c ). 

XXXX, Equifax, XXXX XXXX and XXXX XXXX, are also in violation of 15 USC 1681C ( a ) ( 5 ), which 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.
Product: Credit reporting or other personal consumer reports

submitted a dispute to the credit bureaus where the errors appeared. I did this [ online/by mail/by phone ], ensuring I included all relevant information and supporting evidence. 
In my dispute, I clearly identified each incorrect item and explained why it was wrong. I also referenced 15 U.S.

Code 6801 to emphasize the importance of protecting my personal information and ensuring accuracy. I also have proof from the court of XXXX XXXX that they do not provide credit reporting agencies verification information on consumer reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MN XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX PA, XXXX Subject : Formal Dispute Regarding Civil Liability for Negligence and Non-Compliance with FCRA- Civil Liability under 15 U.S. Code ( 1681 ). O Dear Sir or Madam : I am writing to formally dispute inaccuracies found in my credit report, which I believe stem from your companys negligence and non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o Background and Basis of the Dispute On XX/XX/XXXX, I learned of inaccurate information and accounts on my credit report. After reviewing the details, it is evident that your company failed to fulfill its obligations as mandated under the FCRA. The negligence includes, but is not limited to : XXXX. The only name that should be on my report is XXXX XXXX XXXX. The only address on my account should be XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, MN XXXX, and the only phone number on my report is XXXX ; anything else reporting is inaccurate. 
XXXX. I also see accounts that have been charged off, repossessions, late payments, and inquiries unfamiliar to me. Consumer Credit Laws forbid such actions of late payments 15 us code 1666.b, Charge offs 15 us code 6802, collections 15 us code 1692.g, inquiries 15 us code 1681.b. I will Include a copy of my credit report so the necessary corrections can be made. 
This failure has affected me in terms of denial of credit, emotional distress, financial loss, etc., which could have been avoided had your company adhered to the FCRAs requirements. 
Legal Rights under U.S. Code 1681o Under U.S. Code 1681o, a company found negligent in complying with FCRA requirements is liable for : 1. Actual damages sustained as a result of the failure.

2. Legal costs and reasonable attorneys fees incurred in pursuing this matter.

Requested Actions To resolve this issue promptly, I request that you : 1. Conduct a thorough investigation into the matter and provide a detailed response explaining your findings and corrective actions within 7 days of receipt of this letter.

2. Correct the identified issues and ensure compliance with FCRA standards.

3. Compensate me for the damage caused by your negligence 4. Cover any reasonable attorneys fees or other costs in addressing this matter. 
Enclosed with this letter are copies of the following documents to support my claims : Credit reports, previous dispute letters, denial letters, etc. 
Next Steps Suppose I do not receive an adequate response within 7 days. In that case, I will have no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action to recover damages as allowed under the FCRA. 
I hope this matter can be resolved amicably and promptly. Please direct your response to the contact information listed above. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

The Department of Education and Bass and Associates because of poor communication skills damaged me by taking my tax return the debt is paid and I am not in default please follow the paperwork I haven't received a payment bill in months. On XX/XX/2019 they said still working on issue XX/XX/2019 they took my income tax return PLEASE FOLLOW PAPERWORK
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX SSN ), Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, another account opened at XXXX XXXXXXXX XXXX  on XX/XX/XXXX under the account number XXXX, another account opened at XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXXXXXX XXXX on XX/XX/XXXX with a balance of {$640.00} account # XXXX, another account XXXXXXXX XXXX opened on XXXX {$290.00}, XXXX XXXX {$420.00} opened XXXX that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Product: Debt collection

I received a letter from XXXX XXXX XXXX XXXX XXXX for an amount owing paypal of {$60.00}. I contacted pay pal because I would have no reason to owe them any money and they indicated it was a fraud or scam letter and to disregard.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I contacted XXXX to notify them that they had misutilized my information and published nonpublic information without my consent. My nonpublic personal information was shared with third party non affiliate agencies both by my bank and the credit reporting agency. I expressed my right to opt out pursuant to 15 USC 6802. My rights under the Privacy Act of 1974, 15 USC 1681, 17 CFR 424, 16 CFR 313.10 ( a ) ( 1 ) ( iii ), 16 CFR 313.7 ( f ) upon others were violated by the publishing and sharing of my information by XXXX, XXXX, and Experian along with the banks and credit unions which shared this information with the third party non affiliates. My credit information was shared without proper disclosure to third parties which reflected promotional inquiries on my credit report. There were numerous non mailable addresses listed on my report. There were soft and hard inquires along with transaction history and income listed on my report. Not only was I not provided proper disclosure that this information was shared and published, but it is also illegal to report income as explained in the IRS publication 4681. Please read the attached letter for a detailed description of these specific violations which were neither cured nor acknowledged by the credit reporting agency.
Product: Mortgage

I paid my mortgage at Loancare with an early payoff on XX/XX/2018. I received a letter dated XX/XX/2018 acknowledging the payoff. After not receiving information from my courthouse about the satisfaction of the lien, I called Loancare on XX/XX/2018. I was told by the servicing agent that it had only been 103 days and then was put on hold then disconnected. I called my clerk of court in my county and they had not received the paperwork. I called Loancare back getting several different servicing agents, being put on hold and then being disconnected. I called again asking for a supervisor. I then learned that Loancare had mailed my release/information to the wrong courthouse with the wrong address in another county on the other side of the state thus putting my and my deceased husband 's information at risk for fraud or whatever. I asked the supervisor to send my information to my courthouse via XXXX, even giving him the correct XXXX physical mailing address and the XXXX XXXX XXXX. XXXX mailing address. I said to not send information via XXXX to the physical address as it would not get to them. I have been calling my courthouse and still they have not received the information. I called Loancare again on XX/XX/2018 and threaten to file a claim with this bureau. I was put in contact with upper management. I had to tell my story again for the umpteenth time. I was assured that everything would be taken care of right a way. I was sent a letter dated XX/XX/2018 via Loancare 's social support website stating that they mailed the information to the physical address but not saying what service that they used nor a tracking number. I have called my courthouse again today XX/XX/2018 and they have still not received any release documents. I have left a message with my contact from upper management requesting a tracking number for sending the documents. I have been more than patient. I am dealing with XXXX XXXX and the death of my husband from XXXX. I always paid my loan on time with an early payoff. Additionally, a few years ago Loancare neglected to pay my home insurance thus letting it lapse with no explanation. I had to pay it and take over my own escrow account for taxes and insurance.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits this issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request and investigation into my account transactions.
Product: Debt collection

I received a letter saying my credit card was sent to Rocky Mountain Capital Management for payment. I was threatened by a XXXX XXXX to be sued and garnisheed but I have SSI which is exempt from garnishment. He calls with threatening messages day and night under private. Garnishment against social security is illegal. 

He says he is suing me without a legal summons and complaint. He never made legal demand in writing for any bill. 


I can not even use my phone anymore and I am an accident victim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Iam writing in reference too the XXXX XXXX Collection Acct on all 3 of my credit reports XXXX, equifax and XXXX under state statue 7rs or over they must be deleted of my credit reports not just showing closed please remove off my credit reports!!! Thanks
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Consumer Financial Protection Bureau, XXXX XXXX XXXX, XXXX, Iowa XXXX. 

Subject : Formal Complaint Against TransUnion for Violations of the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to formally lodge a complaint against TransUnion regarding multiple violations of the Fair Credit Reporting Act ( FCRA ). It has come to my attention that TransUnion has failed to report accurate information on my credit report, and has not taken reasonable steps to correct inaccuracies despite my repeated requests. 

As stated in the FCRA, credit reporting agencies ( CRAs ) are required to maintain accurate consumer credit information and to investigate and correct any disputed inaccuracies. I have provided TransUnion with all necessary supporting documentation to update and modify the inaccurate information on my credit report. However, they have not complied with their obligations under the FCRA. 

Specifically, I believe the following violations have occurred : XXXX. **Failure to Report Accurate Information** : TransUnion has not reported updated information regarding my account with First Progress Card, despite confirmation from them that my name was updated to XXXX XXXX XXXX XXXX This is a direct violation of Section 623 ( a ) ( 2 ) of the FCRA, which requires CRAs to provide accurate and complete information and to promptly update any changes.

2. **Inadequate Investigation of Disputes** : TransUnion has failed to properly investigate my disputes regarding the inaccuracies on my credit report. Under Section 607 ( b ) of the FCRA, CRAs are required to use reasonable procedures to ensure the accuracy of consumer reports. Their lack of action in this case indicates a failure to follow these procedures.

3. **Non-compliance with Reporting Guidelines** : In their previous communications, XXXX XXXX confirmed that they reported the updated information to all credit reporting agencies, including TransUnion. However, it appears that TransUnion has not reflected these updates in my credit report, which is again a violation of the FCRA. 

I have attached copies of previous complaint response letters from XXXX XXXX XXXX, which clearly indicate that they have updated my information and reported to all credit reporting agencies. This documentation should serve as evidence of TransUnion 's failure to comply with the reporting requirements mandated by law. 

I request that the Consumer Financial Protection Bureau take immediate action to address these violations and ensure that TransUnion fulfills its legal obligations under the Fair Credit Reporting Act. I appreciate your attention to this matter and look forward to your prompt response. 

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

In accordance with the fair credit reporting act a XXXX account, has violated my rights. 

15USC 1681 Section 602 : States I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.