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

After disputing a medical collection through XXXX, Experian and XXXX I received a debt validation letter from XXXX XXXX XXXX. The letter includes my treatment information and charges, my symptoms, my vital signs and more information about my health which is a violation of my privacy under 15 USC 1681 ( A ) ( 4 ) and includes multiple HIPAA violations. I have filed a complaint with HIPAA ( see attachments ) and now I am filing a complaint with the CFPB. This information should not be shared with a debt collector and therefor makes this debt invald and illegal.
Product: Debt collection

Express Recovery is attempting to collect an erroneous debt from me & a new business I have that was not even in existence when this debt was incurred. My new XXXX XXXX XXXX XXXX XXXX has n't done any work/business yet nor do I even have a business licence. I opened this business a month ago and they are claiming I owe something from 2015!. It is absolutely erroneous and they are rude when I call and tell me it is being forwarded to their attorney for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

My date of birth is reporting incorrect XXXX Multiple address are reporting on credit file XXXX XXXX   XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

My credit report on XXXX/XXXX/2023 from XXXX shows Spring Oaks Capital violate my privacy by hijacking my credit report with an alleged debt. Spring Oaks capital used my information falsely without my consent to report a false debt. I do not owe and have never entered to any agreement with respect to the alleged debt in the amount of {$210.00}.
Product: Debt collection

In accordance with the Fair Credit Reporting act 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 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, 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 : It also states a consumer reporting agency can not furnish an 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 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

I refinanced my mortgage with Alliant Credit Union XXXX. I am owed several XXXX dollars of escrow funds back that were withheld from my mortgage payment to pay taxes and insurance. The customer service line wont provide me with an accounting or itemization of that account and return the funds. I thought there were federal rules requiring any excess account amounts from escrow to be returned to the borrower within 30 days. My closing date was on XX/XX/XXXX. It has been almost 8 weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report to find that an account that have been proved to be invalid and not mine, was re-added to my Equifax credit report. I have not now or ever opened a loan with XXXX XXXX and in XX/XX/XXXX this account was deleted from my Equifax credit file. Today XX/XX/XXXX XXXX XXXX was added again to my credit file. This is a direct violation of the FCRA as any account that has been deleted, before adding again, Equifax must notify me in writing informing me of the intent of the company to try an add again, and this did not happen. This was a debt that Equifax already investigated and deleted. How are they going to just add it illegally with the hopes that I am not checking my report?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit card or prepaid card

After nearly 2 years of paying off my Capital One bill on time and in full, in XX/XX/XXXX/XX/XX/2019 they changed my due date from the XXXX every month to the XXXX. Despite the change, I made my next payment, as schedule on time and in full on XX/XX/XXXX. 

A couple weeks later, while reviewing my statement I noticed a {$25.00} late fee because they didn't post my payment until XX/XX/XXXX. I called customer service and they agreed it was their fault and removed the {$25.00} late fee. However, since then I've noticed interest charges of {$67.00} and {$21.00} dollars, despite continuing to pay on time and in full. When I called customer service to dispute the interest, I was told that the " late '' payment was my fault and I would owe the nearly {$90.00} and that I should just pay them through their mobile app to avoid future charges. So basically, Capital One is charging me {$90.00} in erroneous interest because of their mistake.
Product: Mortgage

I have been trying to have a buyer assume my VA mortgage. It has been almost a year and the process has not been completed. Ive called and emailed dozens of times to see what is going on and nobody will return my calls. What can I do? My buyer is qualified and has over 20 years experience as a mortgage broker and we are both at a loss.
Product: Credit reporting or other personal consumer reports

Per 15 U.S. Code 1561c Requirements relating to information contained in consumer reports The FCRA mandates that only accurate, relevant and up to date information should be reported. Old and inaccurate personal information including incorrect names and inaccurate addresses can lead to confusion and misidentification, for this reason it should be REMOVED. 

The only Name that should be listed on my Consumer File should be : XXXX XXXX XXXX of Birth : XXXX Employer : XXXX Please Delete and Remove any other names, dates of birth, or employment listed on my consumer file. This is to ensure that only Accurate information is listed concerning my personal information on my consumer file.
Product: Credit reporting or other personal consumer reports

Well, I got a notice from XXXX XXXX that an account was opened in my name ( Capitol One ) and I went to Capitol One and was told that the account is with Walmart. I went to Wal-Mart to dispute the account and was told to file a police report, I'm just trying to stop the fraudulent account and I just got hit for XXXX points for an account that I didn't opened.
Product: Debt collection

On XX/XX/XXXX, I received a call from TransWorld trying to attempt to collect a debt from me for a bill due to XXXX. I had no idea who these people are and called XXXX to confirm that my account is in good standing. 

On XX/XX/XXXX, I received a letter for the first time in the mail indicating that I owe XXXX {$180.00}. I proceeded to call XXXX to find out and after two rounds of transfers and a long hold, another representative got some info and indicated that I owe XXXX for a bill back in XX/XX/XXXX but was not able to give me any further details due to their new system. I was told someone will call me back the same day and give me more details. I have since to receive a call back from XXXX nor do I know what this debt is all about. 

I moved to California from XX/XX/XXXXand moved back to Maryland in XX/XX/XXXX. I also  have a new XXXX account in my name about a year ago and they ran a credit check on my info. I am disputing this erroneous debt that they claimed to be unpaid in XX/XX/XXXX under my name when in fact I did not live in Maryland at that time.
Product: Mortgage

Freedom Mortgage ( XXXX XXXX ID : XXXX ) company has taken the opportunity of adding extra charges to my account. also not posting payment sent to freedom Mortgage. all payment been set by my bank and send on time without missing a due date since Freedom Mortgage bought my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled an dispute in regards to the incorrect items on my credit report and it has been well over 30 days and I haven't received any investigation results.
Product: Credit reporting or other personal consumer reports

I have been asking this company for several years to confirm that this credit card belongs to me, which they have not done. I do not recognize this account and never opened it. I noticed this account on my credit report in XXXX  and reported it to XXXX XXXX. I am a victim of identity theft and have filed a report with the Federal Trade Commission, which I sent to the credit reporting agency. However, this account is still on my credit report, and it needs to be removed because it is not a valid account that I authorized. XXXX XXXX has ignored dispute after dispute, attached to this complaint is all the info they have requested in order to remove account. Please see attached
Product: Credit reporting or other personal consumer reports

Under the Fair credit reporting act section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. On this day of XX/XX/23 XXXX XXXX XXXX  has violated the Fair credit reporting act.
Product: Checking or savings account

I ordered 6 hoodies in total from the clothing company XXXX, however I have not received them. I ordered 4 on XX/XX/XXXX for a total of {$180.00} and then ordered 2 more on XX/XX/XXXX for a total of {$150.00}. The money was taken out of my account the day after I purchased the items but the products never came. I've tried emailing and messaging the owner of the business but he has not been responding to anything I sent. On XX/XX/XXXX I filed a dispute with capital one so that they would return my money which was a total of {$340.00} whoever, they told me I waited to late to file the dispute so they could not do as I requested. The website of the company has changed since the purchase XXXX  and XXXX
Product: Credit reporting or other personal consumer reports

I submitted a dispute to Experian in XX/XX/2024 requesting that XXXX XXXX account be removed from my credit report immediately due to XXXX 's violation of Texas state and federal regulations. Instead of Experian doing as I asked. They just updated the account and dismissed the letter that I sent with the dispute as if the violations meant nothing. Please see the attached letter that I sent to Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED YOUR COMPANY BEFORE CONCERNING IC SYSTEMS IN THE AMOUNT OF {$1800.00}. THIS ACCUNT DOES NOT BELONG TO ME YET YOU STILL CONTINUE TO KEEP RE-ENTERING ONTO MY CREDIT FILE. IC SYSTEMS HAS NO LEGAL BINDING DOCUMENTS BEARING MY SIGNATURE CONCERNING THIS ACCOUNT. NEITHER HAS IC SYSTEMS NOR THE COMPANY IT REPRESENTS XXXX  EVER CONTACTED ME REGARDING THIS ACCOUNT IN ORDER FOR ME TO DISPUTE THE VALIDITY OF THIS ACCOUNT. PLEASE REMOVE IMMEDIATELY FROM MY CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the failure of XXXX, XXXX, and Experian to provide a timely response to my credit report disputes. On XX/XX/2023, I sent certified letters to each company disputing several inaccuracies on my credit report. The letters were delivered on XX/XX/2023, with the respective tracking numbers : XXXX ( Tracking Number : XXXX ), XXXX ( Tracking Number : XXXX ), and Experian ( Tracking Number : XXXX ). However, it has now been over 30 days, and I have yet to receive a completed report on any of my disputes. I request the CFPB 's immediate assistance in resolving this matter promptly.
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 right to privacy and confidentiality under 15 u.s.c 1681.. 
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 
15 U.s.c 1681 section 602A. 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 an account without my written instructions ... 15 u.s.c 1681 c. ( 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 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inac
curate..
Product: Checking or savings account

Money is being token out of my account every month, I dont know why and Ive tried to stop it and speak with an agent but havent gotten anywhere. Also this is causing my credit score to decrease tremendously making it hard for me to reach any of my goals due to this inconvenience.
Product: Mortgage

I was approved by own up for a loan. They are the middleman for other lenders. I submitted all my documentation, got the quotes that i Qualify for, I sent them the purchase agreement so that I can get alone estimate, they're refusing to give me a loan estimate without me locking me In Is end submitting a payment. I told them that that's illegal And they are obligated to give me my loan estimate. I've given all my documentation, I already got the approval, and now they're Withholding the loan estimate from me unless I pay and lock it with them 1st.
Product: Checking or savings account

Capital one 360 says they are having technical issues but will not or are not able to deposit my wife and my paycheck that total over {$3000.00} on XX/XX/year>. I live paycheck to paycheck and this is costing us our car insurance not being paid and we have almost no groceries left. They say they will pay any fees associated with late payments we make but that will not feed me or my family.
Product: Credit card or prepaid card

On XX/XX/XXXX went to XXXX XXXX XXXX fuel on XXXX XXXX XXXX XXXX, insert membership and the American Express Bluebird PrePaid card. The card came back with a declined. I was confused went to check app for balance and the app was not working. I left without gas and got gas later that day at XXXX XXXX with no problem. Checked my balance later and was shocked to see XXXX on the hold. I call Amex furious, the said 24-48 hours and the hold will drop. Not the case as I write this memo the funds are still on hold as of XX/XX/XXXX. Why must my XXXX be on hold as a hostage HOLD. I did not receive the goods of fuel. Contacted XXXXXXXX XXXX XXXX twice to the matter no resolve.
Product: Vehicle loan or lease

Good Morning/Afternoon, I am XXXX XXXX XXXX XXXX and Westlake Financial Services has not only shown great lack of professionalism but also abuse of financial gain on there status. Mistreatment of my account and legality of my XXXX XXXX XXXX Orders have been dismissed on numerous conversations. Westlake Financial Services has violated the SCRA ( Federal laws protecting Veterans who are deployed ). 

Westlake Financial Service was given XXXX  Orders early XX/XX/XXXX and acknowledge the status of the account. On XX/XX/XXXX Westlake Financial Services repossessed the vehicle on the account and refused to release until payment was made dismissing the Military Documents given. On XX/XX/XXXX I paid {$1600.00} to release vehicle from repossession company. Upon this situation, my credit score has been severely hit in nothing but a negative way. 

Before this action Westlake Financial Services has not only not taken my funds every month but added on arbitrary fees when addressed about there mishap. Reference # XXXX XXXX late payments can not be issued to people who are deployed ). Which I was given 10 missing late payment during the time of my XXXX.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my credit report for inaccuracies I noticed several and contacted Experian via  Postal  Mail. I contacted them about information that was inaccurate, they 're reply was that the information was verified and would remain on my credit report. I wrote them again requesting the method they used to verify. Which under FRCA is my right to do. They replied for me to contact the credit agency listed. I contacted them AGAIN, for the THIRD time requesting the method they used to verify and instead of furnishing me with the information they updated a comment on my credit report. Telling me that they will no longer investigate my complaint and to contact the original creditor. Which I have still have no validation of these debts. Four months later I still have no method of verification for the following items  XXXX   XXXX  #  XXXX ,   XXXX    XXXX  #  XXXX ,  XXXX   XXXX  #  XXXX . Experian needs to furnish me with the documents requested or delete these accounts from my credit report!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed some unauthorized and unknown inquiries on my credit report. Please remove these unauthorized inquiries because they are negatively affecting my credit report. The unauthorized inquiries are : 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 XXXXXXXX co XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
Product: Money transfer, virtual currency, or money service

On or about XX/XX/XXXX I went to log in to my Chase app and my password was unrecognized I had to change my password so I could get into my account - - I thought that was odd as I have been using the same password for a while, but didnt think anything of it since I was unaware of any suspicious activity. On XX/XX/XXXX ( after my paycheck was deposited ) I logged into my account and noticed that on XX/XX/XXXX someone gained access to my account and moved {$2000.00} from savings to checking and then used XXXX to make 2 payments ( {$1500.00} and {$500.00} ) to someone named XXXX. I immediately called Chase to put in a claim for these fraudulent/unauthorized transactions. They were able to credit back the {$2000.00} while they investigated the transactions. On the morning of XX/XX/XXXX, when I logged back in to the account I noticed that the {$2000.00} was again missing and when I called Chase to inquire, I was told that the fraud claim was denied due to the fact that the unauthorized transactions were made from the same device that is usually used to control this account, and there is no way to prove that these transactions are in fact, fraudulent/unauthorized. The only information they were able to give me about the device is that it is an XXXX device which I assume is my phone. But nobody besides me ( to my knowledge ) has had access to my phone.
Product: Credit card or prepaid card

The following is a summary of my case : 1 ) XX/XX/2018 - XX/XX/2018 : I made a reservation for a cruise with XXXX XXXX XXXX ; they charged my credit card {$4300.00}. 
When I made the reservation I informed the agent that will have to cancel the reservation ; if my health gets worse, and prohibits me from travelling ; thus, I could not travel, and the agent informed me that it is ok to cancel any time and get my credit card refunded the full charged amount of {$4300.00}, because health conditions reasons are acceptable to cancel, he stated. I was assured that I could cancel any time and get a full refund. 

1 ) XX/XX/2018 - XX/XX/2018 : I called XXXX XXXX XXXX and I canceled the reservation, and XXXX XXXX XXXX told me that they would credit my master card with the full amount of {$4300.00}. I was expecting full refund. 
2 ) XX/XX/2018 - XX/XX/2018 : I also called Citibank and informed them that I cancelled the reservation. 
3 ) XX/XX/2018 - XX/XX/2018 ( XX/XX/2018 ) - Citibank issued full credit to my master card. 
4 ) XXXX XXXX- Citibank reversed the credit without sending me the mandatory letter of my response and failed to give me a chance to respond to XXXX XXXX XXXX . 
5 ) XXXX XXXX XXXX issued a credit of {$120.00} only. This act of issuing a credit of only {$120.00} ; XXXX XXXX XXXX intentionally tried to confuse and mislead me by refunding / issuing a fraction of the full amount of {$4300.00}. 
6 ) The reversal of the issued credit by Citibank without giving me an equal opportunity to respond rises to be a collusion between Citibank and XXXX XXXX XXXX, and a conclusion that follows logically the series of events that led to the two companies, XXXX XXXX XXXX and Citibank to keep my money without complying with due process. Instead, they mislead me as a consumer acting in good faith. 
Citibank abused its power when they reversed the credit without giving me a chance to respond to XXXX XXXX XXXX misleading promise to credit my Citibank master card the full amount of {$4300.00}. 
Conclusion is that a collusion between Citibank and XXXX XXXX XXXX to keep my money, and abuse of power by both Citibank and XXXX XXXX XXXX. 
I am asking you to help me recover a full refund of {$4300.00} as XXXX XXXX XXXX promised and according to our agreement. 
Sincerely, XXXX XXXX