23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I was charged XXXX bank fees when I should have only been charged XXXX. I understand that I am accountable for XXXX, but the bank has issued me XXXX. On XXXX XXXX I had an ACH debit from my account from the XXXX and a debit from XXXX. After this, I still had XXXX cents left in my account. I still had a couple of days until the Veteran 's check came in so I bought food knowing that I would incur XXXX fees. Instead, the next day, I was charged for XXXX fees. I have talked to the bank clerk, the bank manager who talked to corporate and they all tell me that I just have to trust them that what they have on their screens is accurate and the information that they provide on my screen is not accurate. And I was told that the XXXX purchase was what overdrew my account, but when I look at my bank statement, it still leaves XXXX cents even after the XXXX debit. But I was charged XXXX fees. Then I made the XXXX purchase that should have overdrawn my account but PNC already overdrew my account with their XXXX unknown fees. I then asked for them to print out what they tell me they seen on their screen, but the clerk, bank manager and on-line banking clerk told me that they can not print it out for me with no further explanation. I am just supposed to trust that I owe the XXXX additional fees even though my statement shows that I do not.
Product: Credit reporting or other personal consumer reports

A thorough review of my credit record revealed problematic late payment entries that remain unresolved despite my diligent efforts to address them. Over XXXX  days have passed since I sent formal letters requesting validation of these entries, yet I have received no response or satisfactory explanation for their continued presence. This lack of communication and proper validation raises significant concerns about the accuracy of these reported late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

law In accordance with the Fair Credit Reporting Act. 
This creditor as violated my rights under 15 USC 1681 Section 602, states I have the right to privacy. 15 USC 1681 604A Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. 

These accounts listed below are furnishing complete inaccurate information. 

As per the request from your organization I am facilitating the account names of all the inaccuracies listed on my consumer report that needs to be removed under federal law : 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  Those account listed are reporting on my consumer report and I have no contractual agreement nor account with any of these companies and I request that these accounts be removed from my consumer report immediately.
Product: Mortgage

Freedom Mortgage, my homeloan service provider made an unauthorized modification to my home loan mortgage by updating the address to an incorrect and unidentified mailing address that was different from the primary residence and property on the mortgage. Not a single notification was sent to me, the borrower at the residence address which was also the address of the property listed on the mortgage. 

Upon multiple calls I found out a loan modification was made by entering incorrect mailing address without borrowers permission. All written notices since were sent to the incorrect address causing the loan to default and start of foreclosure proceedings. The wrong address including notice of change of provider, statements of past due etc., causing severe distress and foreclosure proceedings.
Product: Debt collection

I am filing a complaint against Synchrony Bank due to improper debt handling, inaccurate credit reporting, and potential violations under the Fair Credit Reporting Act ( FCRA ). 

This account was sold or reassigned, and I was never properly notified or given documentation of the transfer. However, the original creditor continues to report a charge-off and delinquency, even though they may no longer own the debt. 

Additionally, I have disputed this account with the credit bureaus, and Synchrony Bank has failed to provide proper validation that they still have legal rights to collect or report this debt. 

Under the FCRA, Synchrony Bank is responsible for ensuring that my credit report reflects only accurate and legally verified information. Since this account was sold or reassigned, they must either provide full documentation proving ownership or remove the charge-off immediately. 
I request that the CFPB investigate the following : 1 Whether Synchrony Bank can legally verify that they still own this debt.

2 Whether they followed proper procedures when selling or transferring this account.

3 Whether this account should be removed from my credit report if it can not be properly verified. 

This is a violation of my consumer rights, and I request immediate corrective action.
Product: Debt collection

Could you Please send me any credit application with my Signature attached to any credit application that i agreed to pay this Debt also any Type of Medical release forms that i supposedly gave Medical release to information this is consider to be a Hippa Vilation of patient Condifentiality.. If this info is not enclosed I will reach out to an lawyer for a possible lawsuit!
Product: Credit reporting or other personal consumer reports

I XXXX XXXX consumer who is a victim of identity theft. XXXX, Experian and XXXX has used and furnished my consumer report without my authorization consent or written instruction. My information was shared to nonpublic personal information without my consent and also used that information to furnish.Congress makes it clear that the consumer has a right to privacy which Experian, XXXX, and XXXX has violated my federal protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their responsibility with respect to the confidentiality of my personal information. The Fair CreditReporting Act was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness and respect to the consumer right to privacy! Under the Gramm Leach Bliley Act of XXXX. I enclosed all documents social, ID and statement below. 
Account Name : XXXX Account # XXXX Balance {$250.00} Date Opened : XX/XX/XXXX Account Name : XXXX Account # XXXX Balance {$250.00} Date Opened : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my Credit Report, leaving inaccurate accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and filing to adequately notify consumers of dispute outcomes.These failures align with Experience, where Experian has neither corrected nor removed disputed items despite the evidence I Provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the Dispute accounts, As Experian 's inaction violates federal law and my rights as a consumer. 


XXXX  XXXX Acct number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Early XX/XX/XXXX - I received a letter from a Collection Agency, XXXX claiming that I owed XXXX XXXX {$4500.00}. 

XX/XX/XXXX - I sent a certified letter to XXXX disputing the debt. I asked to see a signed contract and proof that the debt belonged to me. 
XX/XX/XXXX - My certified letter was received by XXXX. 

As of this complaint, I never received verification of the debt from XXXX or XXXX XXXX. 

XX/XX/XXXX - The debt was reported to all three credit bureaus as a collection. 

XX/XX/XXXX - I received a letter from XXXX XXXX XXXX XXXX XXXX Collection Agency. I disputed the debt with them and asked that they provide me with proof of debt. The XXXX stated that I needed to collect that from XXXX directly and they did not place the information on my reports. 

XX/XX/XXXX - I contacted XXXX XXXX to dispute the debt. The agent could not/would not provide me with a copy of the contract or any documentation to verify that the debt belongs to me. Instead, he directed me to contact the store where the transaction took place and wanted me to ask for security footage of who opened the account. 

XX/XX/XXXX - I contacted the XXXX store and asked the Representative to forward me a copy of the security camera footage to verify that it was not me. 
As of this complaint, I have never received any proof that this debt belongs to me.
Product: Credit reporting

Transunion added, previously deleted inquiries from my credit report. A couple of weeks later, those same deleted inquires were placed back in my file. I spoke with several representatives that in fact advised that they had experienced a glitch in the system and that they will take care of those previously deleted inquiries. I recently pulled my report and found that they were not removed as promise.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are still errors on my report and they have not fixed the problem. XXXX is reporting different information on the XXXX credit bureau. Please see attached. Close date, last activity date are all incorrect. It is also showing as a charge off on my Experian. Please fix the problem. 

XXXX XXXX XXXX  # XXXX
Product: Credit reporting

In early XXXX after filing my XXXX taxes I contacted via mail from the IRS stating there is an important matter about my XXXX tax return. I contacted the IRS from their website just to be safe and spoke to a Representative who stated there was a return already filed using my SSN and Name. She went on to ask my some verification questions and indicated this was fraud, the return would not be processed and for safe measure I should check my Credit Reports to make sure whoever filed this return with my Name and SSN has not done anything else. After pulling all XXXX Consumer Reports, I found multiple credit accounts opened with my name and SSN, mainly credit cards. The accounts opened were credit cards from XXXX Bank- XXXX, and XXXX Bank XXXX Since I found all these fraudulent items in XXXX XXXX to current day, I have went through so many letters, calls, fraud affidavits, and credit disputes through the XXXX agencies. I have been successful in contacting these Creditors directly, explaining my issue, and being able to get the items removed after each company did investigations. The only fraudulent account I am still unable to get removed is the XXXX XXXX Bank Credit Card. I have contacted them multiple times asking to speak to their Fraud Department and was told they are unable to transfer me but will mail me paperwork to fill out to get the item removed. To this day I have not received any correspondence from them even after several phone calls. I have disputed the account multiple times through Experian and the other XXXX agencies but when the results come back, XXXX XXXX states the account belongs to me. I have mailed them a Fraud Affidavit from the FTC site which they stated they received in XXXX of XXXX but nothing has been done. I called again today, XXXX/XXXX/XXXX, I am told the same thing that they are unable to transfer me to their Fraud Department. The person on the phone stated the account was NEVER disputed through any credit reporting agency and she can see they did receive my Fraud Affidavit but can not provide me any other information. I then contacted Experian right after and spoke to a XXXX, who stated he can see I have disputed this item numerous times but XXXX XXXX states the account is still mine. I have also disputed the item with Experian and uploading the affidavit I sent to XXXX but still I can not get this fraudulent item removed from my credit file. It is very frustrating because I was able to remove all the other credit accounts from such big financial institutions after investigations were done and found to be fraud but can not remove a small credit account from XXXX XXXX. I am out of options or ideas on how to get this removed just like all the other Fraudulent items.
Product: Debt collection

The XXXX XXXX has filed an eviction reason because I called code enforcement they came out hit the company with almost 9000 in fines so for them not to pay it they had my family and I kicked out sold it to their friends cheaper once the title was in their friends name it was no longer their response ability they refused my money so I didnt know to do never been in that kind of situation
Product: Debt collection

In XXXX 2015, I attempted to have XXXX XXXX installed. The installer came to my house to attempt to set up a phone jack in my apartment in order to connect my services. He informed me it would be extremely difficult and the connection would be terrible so I cancelled the appointment, cancelled my services with XXXX and returned the unopened modem. The person left within 20 minutes. Since then, XXXX has made several attempts to collect different amounts for services I never had. I 've disputed several claims from XXXX different collection agencies and spoken to XXXX many times over the course of a year to stop receiving these claims, but here I am, a year later, still disputing these charges, despite XXXX representatives telling me that the file is closed.
Product: Credit reporting or other personal consumer reports

I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to XXXX XXXX for the account showing on the credit file with Jefferson Capital. In order to facilitate efficient proceedings and ensure all relevant information is accounted within the credit report for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transactions specifics. Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgements, and settlements. Pertinent correspondence, communications, or notices related to the chose in action. Any other documents or records that provide insights into the nature, ownership, or status of the chose in action.
Product: Mortgage

I sent a Registered Security to Wells Fargo & Company after 2 weeks still not seeing the updates reflecting in my account
Product: Debt collection

I paid  XXXX  directly and by law,  XXXX  recalled the account from Convergent. Convergent has no legal reason to report on my credit report. Convergent must delete.
Product: Credit card or prepaid card

XXXX XXXX XXXX called I finally answered it wasnt sure if it was a scam and they call everyday and all hours of the day including after XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continually disputed a collection from XXXX student loan collection agency to Transunion and XXXX and XXXX. Each time i dispute it, they say they verified the information as correct. NO they didn't. No payment was made on the student loans in over 18 years and yet they are allowed to keep ruining my credit by posting that i made payments in order to justify keeping it on my report. This is illegal, and i am filing a lawsuit if they are not removed. This is my last attempt to get these credit reporting companies to remove the collection account. There is a 7 year limit from the last payment made, and it has been 18 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE ALL INQUIRIES STATED IN THE FTC REPORT
Product: Debt collection

I recieved a notice in the mail that Cascade Capital LLC. has sold an account that is in my name, to XXXX XXXX XXXX. I never recieved a letter stating that the account held in my name, was being sold. 
I have asked XXXX XXXX XXXX to VALIDATE the information. They said that the will reach out to the ORIGINAL CREDITOR. All I recieved was an itemized statement at the beginning. I then asked them to validate, I have recieved another statement but this one seems to have some medical procedures on on it. 
I have called XXXX XXXX XXXX and spoke to a person named, XXXX, asked them if they have the HIPPA Realease Form to share this information to a 3rd party. XXXX stated that they are still acquiring that information from Cascade Capital LLC. 
I feel like my HIPPA laws may have been violated and if they have the correct paper work, I should be provided with proof. 
I will attach the files/statement that was sent to me by XXXX XXXX XXXX that they recieved from Cascade Capital LLC. but I will cover up the area were it seems that medical procedures were done for caution.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several companies to dispute with and I have tried numerous times. I am victim of the 2019 breach and have been having issues every since with all accounts as I have had brokerage accounts and was not made aware and they were repeatedly stolen from me. My accounts were then fraudulently used and after numerous complaints, still not fixed. Currently my checking accounts are in a charge off status which is only supposed to happen with credit cards. They have told me I have to open new accounts now, and most of my money has been stolen and have refused to even allow me online access to see all problems to even file disputes. Currently XXXX is a card I received as a prepaid from a Financial Service center as I am an investor or broker of this banking center. When I got back into the account, they closed it. So now I no longer can use this card and have to open a new one. I am concerned as this means someone has stolen the investor/brokerage status I had with this banking center as well. I need help. I have filed identity theft from identitytheft.gov and also need to file against some individual corporations and banks. Who should I contact now?
Product: Mortgage

Home burnt to the ground on XX/XX/2021. Two checks were released form the insurance company for purchase of the new home ( manufactured ). First two party for XXXX was signed over to New Rez LLC as directed along with the paper work required, ( adjustors report, signed contract on the new home ). After many many phone calls and mis- information, I just recently received a check for XXXX from New Rez. When I inquired as to why the rest of that check was not returned I was told they were holding the rest of the funds until the house was done and they had proof it was livable. The house can not be ordered until the full funding from the insurance company is released. The second check from XXXX XXXX insurance was also endorsed and dent to New Rez as instructed. After many many phone calls which I am given a new reason every time why the funds can not be released. Today, all of a sudden they need a letter from the insurance adjuster as to what the additional check was to be used for. They are very well aware of the pricing of the new home as they have a signed contract. The second check was from a rider in my policy allowing me 20 % more funding if the original funds are not sufficient due to inflation. 
I don not have the personal funding to just order the house and be reimbursed later. I need the entire insurance funds released and then I will still owe some out of my pocket. I am living in a 26ft travel trailer with 4 dogs and my daughter and have been since the middle of XXXX. If the home is ordered today the wait time is at least 9 months. I feel like I am being scammed by NewRez and they are literally stealing my insurance money. The communication at this establishment is ridiculous. The person assigned to my case has called me once during this process and will not return my calls or emails. I have asked to speak with supervisors, they are never available and never return my messages. They are literally just making up excuses why they can not send back the funds so I can order my house.
Product: Credit reporting 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. 

Account Name : XXXX  XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX and I am sending this complaint to address the incorrect items on my account. The list of inquiries and accounts was unknown and erroneous. The inquiries were pulled without my knowledge while the accounts ' information was Experian incorrectly. Please be noted that I have sent out letters prior to this complaint to Experian and to the companies for them to investigate. Have these following items be removed accordingly XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$11000.00} XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple names on my credit report also a bunch of credit inquiries i need to fix i reported this to equifax & also other credit agencies & nothing has happened
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report shall present the information material enough to judge the creditworthiness of consumer instead of pursuing the maximum possible accuracy. As FCRA principle stated Reporting agency XXXX which I am complained must correct the report records if credit card business which I complained as well fail to perform the obligation of fair reporting principle. The amount involved negative activities on my credit report are under {$5.00} which due to mistakes made by business, however it causes my credit score dropped by almost 300 point, from XXXX dropped to XXXX. I am complaining that reporting agency XXXX fail to execute its obligation and its not fair demonstration of the creditworthiness on my credit character. 
secondly, I filed these disputes back to XXXX XXXX however the exact same negative account came back again on this year, and XXXX did not do anything to solve the problem but let me keeping filing dispute and waiting responses after numerous callings. Such misreporting lack of materiality should not be disputed at the first place. However XXXX let it drag down for 3 years and cost consumer damage because of {$5.00}.
Product: Credit reporting or other personal consumer reports

The companys that will be listed ran hard inquiries on my credit that remains on my credit. I did not receive service or accounts with these companies.