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

There are third party medical collections on my credit report that do not belong to me and I did not authorize. This is a violation of the HIPPA act. Here are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please see the attached letter and 2 supporting documents regarding Chase Credit Card company ' s disregard of credit Bureau 's laws and procedures.
Product: Checking or savings account

The below compliant has also been registered with the XXXX and NYSDFS. 
I am currently a Platinum Rewards member with BofA and I had the unfortunate experience of having to open an estate account for my deceased father last year. 
When I opened the account last year I was told that I would not be charged a monthly maintenance fee for the account as I was a Platinum Member. Recently I looked at the account and noticed that I had been charged a fee the last few months. I went into a branch and they informed me to contact customer service. 
Customer service refunded the fees, but informed me the only way to avoid the fees in the future is to add money to the account. When I informed them that legally I could not do that unless they were Estate Monies they were confused. The argument BOA makes is that I am not the owner of the account and thus not entitled to the platinum benefit. 
Figuring in person might be better I made an appointment to see the branch manager at the XXXX XXXXXXXX XXXX XXXX XXXX branch in XXXX. During our conversation she also suggested that I add more monies to the account and when I told her that was against the law she seemed confused and backpedaled Furthermore, when I told her it's hard to predict when checks would be coming in she did offer me the option of visiting the branch every month to waive the fees with the caveat that she could not guarantee how long she could continue to waive them. 
After all of this I emailed the Executive Relations team via the CEO 's office on XX/XX/09. They seemed surprised at how poorly trained the agents were in dealing with estate designations and informed me that is possibly because they don't have an actual estate account product only designations. This seems like an area of possible compliance enforcement against BOA. They were unable to resolve my fee issue and state that they would provide " Feedback '' regarding the compliance issue. 

I find this quite unacceptable as first, I find it quite alarming about how poorly trained the staff is about Estate Accounts. It is utterly unacceptable for any bank staff to be suggesting that I co-mingle monies. If I followed that advice it could put me at risk of violating the law as Estate Administrator. Second, being promised a fee waiver and then suddenly having a bank profit off my father 's passing is very unsettling. Finally, there fact that this is considered a personal account with an estate designation makes no sense as it's not a personal account it's property of an entity with it's own EIN.
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 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 Balance : {$12000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$590.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$690.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX Balance : {$7600.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX. Account Number - XXXX. I just got a copy of my credit report. To my surprice, You are reporting this account incorrectly. This Collection account is reporting not only reporting as XXXX, but also shows a past due balance of XXXX dollars. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion
Product: Vehicle loan or lease

A payment of XXXX 41 days late for the XXXX payment. A double payment was set up to be paid XX/XX/XXXX of XXXX. Account was still considered late on credit report.
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/year>, I purchased XXXX ( XXXX ) MoneyGram money orders in the amount of {$150.00} each from a XXXX location for {$1.00} per money order. On XXXX XX/XX/year>, I purchased XXXX ( XXXX ) MoneyGram money orders in the amount of {$60.00} each from a XXXX location for {$1.00} per money order. 

All of these money orders were filled-out, but are no longer needed for their originally intended purchases. I am in possession of all original receipts from XXXX and the money order " proof of purchase '' receipt tabs ( that come attached to the money order at time of issuance ). 

Because the money orders have been filled out, my bank can not deposit or cash them for me. 
I have tried to request a refund from Moneygram, but am continually directed to fill out a money order replacement form that demands {$25.00} per money order. This ridiculous fee is 2000 % higher than the original money order purchase price and would consume over 20 % of the value of the money orders themselves. 

This fee is particularly reprehensible since money orders are most commonly used by disadvantaged low income individuals who do not have access to standard financial institutions. People should not be charged exorbitant fees to have access to *their* money.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information the are reporting is old and not correct. They investigated and was not able to provide accurate information. I want this deleted as its affecting my credit report and score. This was a jet ski account that they sent me the title too and I sold and they are showing I still owe money. I want this account deleted as if I owed them money I would have never got the title to the vehicle. Every time they give me a different amount that I owe and was deleted off one credit bureau not the other ones. Please delete the account from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently, I am in the process of purchasing a house, but I noticed several discrepancies on each of my credit reports. I have several inaccurate names, addresses, employment information, charge offs, closed & open accounts, and several student loan collections that do not belong to me. So, on Tuesday, XX/XX/2023, I mailed certified disputes to the credit bureaus demanding these errors to removed immediately. A few days later, I was informed by the USPS that each credit bureau has received my letters on Thursday, XX/XX/XXXX & on Friday, XX/XX/2023. Later, I received an email notification informing me about a few updates and that the student loan collection is still under reinvestigation, when I am not understanding why, because these collections were originally sold & transferred to XXXX XXXX XXXX, from XXXX. I did not receive a letter in the mail informing me of this transfer nor did I receive a 1099C form regarding this purchase or cancellation of debt. According to my XXXX account, on Thursday, XX/XX/2023, these collections were reported on my credit report as PAID, and as if I made recent payment transactions on these false accounts, when I have no knowledge of these payments. So, I asked for proof showing that I made these payments on these bogus accounts. I am still waiting to for theses errors to be removed. According to 15 U.S.C 1681, there should not be any damages listed on my credit reports. This is a defamation to my character. 

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 XXXX XXXX XXXX XXXX
Product: Mortgage

Select Portfolio Servicing ( SPS ) has sent us XXXX letters, XXXX dated XX/XX/XXXX and the other dated XX/XX/XXXX ( both attached ). In the first paragraph of each letter which referenced our mortgage loan account were the following words : " the mortgage servicer on the above referenced account, participates in the XXXX Treasury 's Making XXXX XXXX program ( XXXX ). '' We sent in a HAMP application to Select Portfolio Servicing and received a response that did not even mention that our application was utilizing the form from the Making Home Affordable XXXX Treasury program. When we received the second letter, I called regarding the letters claiming participation in XXXX and was told that these were form letters and that our loan could not be modified. They have repeatedly said that the investor does not participate in XXXX. I would like to know why they are sending us letters of this nature when they know that they will not assist us with a XXXX loan. I for XXXX am extremely angry since I nearly died in the hospital from an attempted suicide on XX/XX/XXXX because SPS verbally granted a HAMP application review and then did not review our application as a HAMP. It seems like a computer can be programmed not to send out a form letter if it is not applicable. I believe that their so called " form letter '' shows their deceptive trade when dealing with our account. 

The pool service agreement XXXX PSA ) does not show any restrictions to XXXX loan modifications. Even if there were such restrictions, which we do not believe even exist, according to the XXXX Handbook XXXX Section XXXX regarding Servicers Participation Agreement ( XXXX ) servicer participants should " use reasonable efforts to remove any prohibitions and obtain waivers or approvals from all necessary parties in order to carry out the requirements of the XXXX? '' Furthermore, under XXXX XXXX of the XXXX the servicer should contact the investor in writing at least once, encouraging the investor to permit modifications. Every time we have applied for a XXXX loan modification and our loan applications were not handled as a XXXX application, we have asked SPS if per Section XXXX, had they made reasonable efforts to gain approval, and per Section XXXX, had they contacted the investor. We have never once received an answer to the above questions.
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this XXXX XXXX XXXX XXXX NY XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$990.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XX/XX/year> XXXX XX/XX/year>
Product: Mortgage

XXXX XXXX died on XXXX/XXXX/16. She had a reverse mortgage on her home through Wells Fargo. We were told by Wells Fargo we had 180 days to sell the house and pay off the reverse mortgage loan. We provided Wells Fargo with all documentation requested per their deadlines given, sold her home on XXXX/XXXX/16 and paid off the loan. Wells Fargo put her home in foreclosure at 120 days, causing us to have to pay {$1600.00} in attorney foreclosure fees at the time of closing. XXXX XXXX and Wells Fargo did not respond to our phone calls and correspondence. Attached is documentation. We want Wells Fargo to pay us the {$1600.00} we had to pay the foreclosure attorneys to get a pay-off letter to sell the property. We filed this same complaint with the XXXX who recommended that we also file the complaint with you.
Product: Credit reporting or other personal consumer reports

Formal Dispute and Complaint Against TransUnion Unauthorized Hard Inquiries ( Identity Theft & Fraud ) To Whom It May Concern, I am formally filing a dispute and complaint regarding TransUnions refusal to remove unauthorized hard inquiries from my credit report. I have identified approximately XXXX unauthorized credit inquiries that were made without my consent, constituting both identity theft and fraud. These inquiries negatively impact my creditworthiness and violate federal and state laws. 

I previously disputed these inquiries with TransUnion, and despite my request for their removal, TransUnion failed to act in accordance with consumer protection laws, thereby violating my rights under : Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ) States that a credit bureau can not furnish a consumer report unless there is a permissible purpose. Since I never authorized these inquiries, they must be removed immediately. 
Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ) Requires consumer reporting agencies to investigate disputed information and correct or delete inaccurate, incomplete, or unverifiable information within 30 days. TransUnion has failed to properly investigate and remove these fraudulent inquiries.

Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-2 ) Provides protections for identity theft victims, requiring the blocking of information resulting from fraud. Since these inquiries are the result of unauthorized access, TransUnion is legally required to remove them.

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX   ) ( XXXXXXXX XXXX XXXX XXXX Protects consumers from unauthorized access to their credit files and allows for disputes regarding fraudulent or unauthorized credit transactions.

Federal Trade Commission ( FTC ) & Consumer Financial Protection Bureau ( CFPB ) Regulations Require credit bureaus to provide accurate and fair reporting, and failure to remove unauthorized inquiries violates federal consumer protection laws.

Action Requested : I demand that TransUnion : Immediately remove all unauthorized inquiries from my credit report under FCRA regulations. 
Provide written confirmation of removal within 10 days of receiving this complaint. 
Cease any further reporting of these inquiries to third parties. 
Provide documentation showing which entities requested my credit report and proof of my authorization for each inquiry. 

Should TransUnion fail to act promptly, I will : File formal complaints with the FTC, CFPB, XXXX XXXX XXXX XXXX XXXX, and State Attorney General for violations of federal and state consumer protection laws.

Pursue legal action for damages resulting from willful noncompliance under FCRA ( 15 U.S.C. 1681n ), which allows for actual damages, statutory damages, and punitive damages. 
Seek a court order compelling removal of the unauthorized inquiries. 
This letter serves as a final notice before taking further legal steps. I expect a prompt and lawful resolution.
Product: Credit reporting or other personal consumer reports

On my credit report there is a collections account listed under XXXX XXXX XXXX XXXX XXXX Based on the account information listed it states that I owed the XXXX XXXX XXXX XXXX XXXX$2200.00}. Now I am never attended the XXXX XXXX XXXX XXXX or took any classes there. So, there is no way that I can owe XXXX any money. I disputed this information with the credit bureaus and asked them to provide to me there methods of verification to which they have refused to do so. This request was made more than a month ago through the CFPB portal and to this date they have failed to do so which is a violations of my rights under the Fair Credit Reporting Act as the law clearly states that the credit bureau should provide me with such information within 15 days of my request. If the credit fails to provide the information requested then such information should be deleted from my credit report. 
They have failed to provide me with there method of verification as it pertains to the account called XXXX been reported on my credit report. Due to the violation I can seek damages in a court of law for violating the fair credit report act. I recently filed a fraud affidavit with the Federal Trade Corporation so that this matter can be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting an investigation of my credit report. The accounts reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following accounts on the credit report are incorrect. 
XXXX XXXX XXXX Balance : {$6900.00}, XXXX XXXX XXXX Balance : {$6800.00}, XXXX  XXXX Balance : {$0.00},
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over XXXX  days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2019 I came across an individual selling concert tickets that I wanted to purchase. I used PayPal because they offer Buyer Protection in the case that you are scammed. I used the Friends and Family option because of the lower fees associated with sending the funds. I paid {$100.00}, {$100.00} to the seller and {$4.00} fee to Paypal. 

Once I sent the funds, the seller basically disappeared. They deleted their social media account we had been interacting through and stopped responding to my messages. I tried " recalling '' the funds but was unable. I did not receive the concert tickets either. 

I filed a claim online through Paypal 's site on XX/XX/XXXX/19 explaining the situation and it was denied within hours stating that this " appeared to be a normal transaction ''. I then called on XX/XX/XXXX/19 and explained the situation to a person hoping they would be able to help. They were of no help, offered no assistance and stated that it was their policy to not pursue any actions in cases like these. 

I was told that because I had utilized the Friends and Family option, that I was not protected. 

I find it beyond reprehensible that Paypal would allow scammers to utilize their services without any type of consequence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dosputing directlly with XXXX, XXXX  and Transunion since XX/XX/2018. I understand that under 15 U.S.C. Sec. 1681i ( a )  on the Fair Credit Reporting Act that I am supposed to be provided validity of the accounts that are on my credit report. A validation in the form of from the creditor directly with some form of contract or my signature. Also who validated the debt with the company. Each time XXXX, XXXX  and Transunion send me a letter stating that it has been validated with no proof. My rights have been violated under the Fair Credit Reporting Act and I intend to move forward with a legal team under my violations, all of these accounts should be removed because I was lied to they were not validated : 01 XXXX XXXX XXXX 08 XXXX XXXX XXXX XXXX 11 XXXX XXXX XXXX 12 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, credit repair services, or other personal consumer reports

I am filing a complaint to dispute several accounts that appear on my credit report, which I believe to be inaccurate and not associated with me. Despite my multiple attempts to rectify this issue through your bureau, as well as with the respective creditors and the Federal Trade Commission ( FTC ) website, the inaccurate information still remains on my credit report. I kindly request your assistance in addressing this matter promptly. I kindly request your immediate attention and assistance in resolving this issue. First and foremost, I would like to emphasize that the disputed accounts listed on my credit report, identified below, are not mine : XXXX ( XXXX ), XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX ( XXXX ), XXXX BANK XXXX ( XXXX ), XXXX/XXXX ( XXXX ) XXXX XXXX/XXXX  ( XXXX ), and XXXX ( XXXX ). Despite my diligent efforts to rectify this error, the inaccurate information persists on my credit report, negatively impacting my financial standing and potential opportunities. I have taken the necessary steps to dispute these accounts by sending letters via certified mail, providing supporting documentation, and clearly stating the reasons for my dispute. Regrettably, my attempts to resolve this matter have been met with no response or resolution. I am deeply concerned about the potential implications these erroneous accounts may have on my creditworthiness. It is my right as a consumer, as granted by the Fair Credit Reporting Act ( FCRA ), to have accurate information reported on my credit file. I request that you conduct a thorough investigation into the disputed accounts and take the appropriate measures to remove them from my credit report.
Product: Credit card or prepaid card

Re : Discover Credit Card Last 4 acct. digits : XXXX Last 4 SSN digits : XXXX Card was opened on XX/XX/XXXX, Total Credit Line : {$6000.00} On Tue. XX/XX/XXXX, the following email was received from Discover : As a result of a recent review of the Discover it card account referenced above, we have closed your account as of the date of this letter. This action was taken for the following reason Inactivity on your account ( s ) We will credit your account with your Cashback Bonus ( or Miles ) balance if you have one. If you have any questions, our service specialists are available to assist you 24 hours a day, 7 days a week, by calling XXXX Sincerely Credit Operations On XX/XX/XXXX, I called XXXX XXXX XXXX XXXX, the service number listed on the back of the card, as well as the number listed on the bottom of the email. I was informed, in both cases, that the card could not be reactivated, and the inactivity clause was noted on the user agreement. I explained that I was saving the card for emergencies, and that If I had some advance notification regarding this action, Would have been happy to use the card in order to prevent this rather abrupt and consumer hostile action. All to no avail, my pleas fell on deaf unresponsive ears. I really feel that a professional courtesy of advance notification could have avoided all this.