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

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MD XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint regarding a debt collection practice that I believe violates 15 U.S. Code 1692g. I request your assistance in investigating this issue and helping me resolve it. 

I received a collection notice from the collection agency identified above, and I believe the agency has violated my rights under 15 U.S. Code 1692g, which mandates that a debt collector must : Provide written verification of the debt if requested within 30 days of receiving a notice. 
Provide proper validation and proof of the debt. 
Violation ( s ) ; The collection agency failed to provide verification of the debt despite my formal request for validation on [ date ]. 
The agency did not properly inform me of my right to dispute the debt within 30 days, as required by law. 

I have already contacted the collection agency requesting validation of the debt. I have not received any response or evidence to verify that this debt is valid or even mine. 
[ Any additional actions you've taken, like sending certified mail or attempting to resolve the issue directly. ] I request that the CFPB assist in investigating this matter and take action to ensure the collection agency is complying with the law, specifically 15 U.S.C. 1692g. If this issue is not resolved and the collection agency fails to validate the debt, I also request the removal of the collection account from my credit report.

I have enclosed copies of all relevant correspondence, including my request for debt validation and any responses received. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as XXXX and XXXX XXXXXXXX XXXX XXXX
Product: Checking or savings account

Navy Federal Credit Union ( NFCU ) charges me an ATM fee every time I try to withdraw money from my account, regardless of whether the transaction is successful or not. 

If I have money in my account, but the ATM doesn't dispense any cash, they still charge me a " Denied Transaction Fee '' of {$1.00}. 
If I don't have any money in my account, they also charge me an ATM fee. 
This is incredibly frustrating because I'm being penalized even when I'm not able to withdraw any funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly tried to get this account and inquiries deleted and XXXX has refused to do a proper investigation or pay me for continued violations per FCRA. I have submitted an identity theft report as well as documentation from the company. I have asked asked for validation of debt and I've yet to be provided anything. Target has continued to reage this account as they have admitted to in documentation provided. I have asked for proof and they have failed to provide any as I have provided documentation to these facts. I'm entitled to {$1000.00} per violation as I have been disputing this for over 18 months per CFPB and XXXX has failed to correct the problem yet has allowed Target to damage my credit. I have disputed the inquiries and I have submitted proof and they have failed to delete them despite the documentation provided. I'm entitled to {$8000.00} for the continued violations. Deleting the accounts and inquiries doesn't obsolete XXXX of the past violations and they must be held accountable. My complaint should be forwarded to the FTC as XXXX and Target are both liable and continue to violate the law. The account that should be deleted is Target as they have continued to reage this account, the payment history, date of last payment, first delinquency, the account doesn't belong to me. The inquiries are 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 checked my credit report and I noticed there were inquiries listed that I did not recognize. I contacted the companies, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit. Below are the inquiries in question. 

XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX- XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX
Product: Checking or savings account

XXXX XXXX has a hold on my account. It's been over a week. No one has told me what the reason is of what I need to do. This is causing me severe financial damage as I can not make any transactions. 

I am about to loose my home, cars and business.
Product: Debt collection

So this company started calling family member 's that I am not even sure how they got their numbers. When I called them back I set up a payment which I ended not doing because I was told a different company took over this account. They called my family back after I told them NOT to. When I called them again they said it did not matter because it was a dispatch company that called who they hire to investigate for them. I asked for the dispatch company phone number and they told me they do not know who it is. Which I find a little strange. I told them if they are saying they will file a lawsuit and take me to court that they would have to know who has been looking this file and they told me that's not true. In order to reach this company and find out if they were real because they only have a phone number, there's nothing else proving they exist I had to call 5 other numbers to reach them and they just transferred me from one to the other. This morning I called trying to get an address to mail a payment to and the girl on the phone was so rude and just told me to repeat my number because she could not hear me through my SASS, yet I was only talking low because I am at work. I am to the point that if you can not respect me telling you not to call other numbers besides mine and you give me attitude everytime we talk to just not call me anymore.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I get at least 10 calls a day all types of hours for debt that is not mine. They refuse to stop calling. all at night all on weekend. Its a huge nuisance in my life. 
Calls are from Synchrony Bank These are some of the numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please check the documents I've sent as there are unauthorized inquiries on my credit report I do not recognize.
Product: Debt collection

My insurance company instructed me not to pay the billed amount of {$7200.00} received from XXXX XXXX XXXX for services on XXXX, XXXX, XXXX because they would be processing my claim. My claim was processed on XX/XX/XXXX but the hospital did not show the updated allowable amount under the plan which is {$1800.00}. My credit report now shows an incorrect collection amount of {$7200.00} and On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I contacted Credit Control Corp, the collection agency, to remove this balance. I provided the EOB as required and still have not had the debt removed. Meanwhile Im under contract to purchase a home and my credit has been damaged.
Product: Credit card or prepaid card

Frivolous charges were disputed after over a year on a credit card ending in XXXX. Initially, thought it was charges made my the authorized person on the account, my daughter. After a year, I questioned her and she provided proof of her own XXXX high credit card with her charges. I requested the card be closed with Chase, instead they removed my daughter from the card. They sent me another card ending like XXXX. To date, they returned all of the frivolous XXXX charges to the new card. I've kindly paid it off and again requesting both accounts with Chase credit be closed, including the XXXX card because new charges from XXXX XXXX starting to emerge. Someone has been calling me too about Chase fraud unit wanting information which I'm reluctant to give over the phone ; also, sent me an email and I refuse to click on anything. Reported this to Chase and more charges were added to the card. I believe someone working with Chase is presumably the culprit. Have read numerous reviews online too to confirm I'm not the only person this has happened to, recently. I've never had an XXXX account with XXXX. I have XXXX and have had it over a decade. Either XXXX or Chase or both conspiring to fluff their business, and this is malpractice ( s ). I want the funds returned to me that I've paid for charges I am not responsible for, and want these accounts closed-for good. No new cards to be issued as I never requested a new card be issued. They are not good for business and have repeatedly exposed my info to data breaches.
Product: Mortgage

In XX/XX/XXXX I was under a forberance I was told if I paid a certain amount on XX/XX/XXXX my account would be caught up and no fees. I paid that amount - the exact amount PNC requested I pay. After making the payment PNC requested of me I was hit with over XXXX in fees. 
Prior to making the payment I contacted XXXX XXXX to find out exactly what I needed to pay. I knew it was over XXXX but could not remember exactly what - I received a call back and was told it was for {$8300.00} which I paid that day. Only to find out a few days later I had fees over {$2000.00} - This was not what we had agreed or what i was told - I was told when the XXXX payment was made I would be XXXX behind and I would just have my payment going forward. And I know this call when I was told this - was recorded or at least I was told it was I have contacted XXXX several times to find out why I had these fees when I was told the forbearance would zero out anything in the rears but she has not contacted me back - I have emailed over 5 times with no reply. Right when I got caught up XX/XX/XXXX Covid hit and our family was hit with cases of Covid and other hardships. My loan has been on another forbearance, I can not pay the loan and all the fees that PNC is asking for - I shouldn't have the fees anyway. 
I would like to ask for the additional 360 day forbearance time so I can get caught up on the loan now that our family is recovering and getting back to work and school. School just started back last Monday XX/XX/XXXX - hopefully now our Country will get back to normal. If possible I would like for your help finding out why I have fees on this account after I was told I wouldn't and your assistance extending the forbearance so I can get this loan caught up - thank you
Product: Payday loan

ACE Cash is saying I owe them money for a loan I do n't remember getting, and wo n't give me any paper work and date this happen.They are saying they will file a judgement with the court on XXXX XXXX. What should I do.
Product: Credit reporting, credit repair services, or other personal consumer reports

First of all XXXX XXXX is NOT even licensed in Florida as a collection agency. They are illegally attempting to collect an alleged debt, which is a major violation of my consumer rights. I have attached the list of XXXX XXXX  where FLORIDA is NOT listed. 

XXXX XXXX also lost a class action settlement by using unlawful collection lawsuits in Illinois. They manage purchased accounts and collect alleged debts. They continue to violate debt collection laws XXXX XXXX has failed to comply with the Gramm Leech Biley Act 15 USC 6802. They never gave me the ability to opt out and used my information without my permission, which is identity theft. 

There was also no Permissible purpose for this Account XXXX XXXX to be listed on my credit report. Both permissible purpose law ( 15usc1681b ( A ) ( 2 ) and the GLBA have been violated and it is identity theft. 

According to 18 USC 1028 ( a ) ( 7 ), it defines identity theft which is just someone possessing, transferring or using a means of identification of another person unlawfully. This is what took place. 

XXXX, Equifax, XXXX and XXXX XXXX " regularly engage in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 

These companies have all violated either of the two which both constitute identify theft. 

I have contacted the Attorney General 's Office, XXXX and the CFPB numerous times and nothing has been done about the violation of my consumer rights. 

I demand Account XXXX  XXXX to be removed from my credit report and file or I will be seeking statutory damages since you willfully violated the obligations under the FCRA.
Product: Credit card or prepaid card

As usual Sears credits my payment first to regular purchase, and the remainder, if any, to promotional purchase, but in XX/XX/XXXX 's statement the billing section did it differently : Sears credited {$440.00} to a promotional purchase which will expire on XX/XX/XXXX and {$130.00} to regular purchase ; this way of calculation showed that I did nor payoff the regular purchase in the previous month, and Sears could charge interest fee. 
On XX/XX/XXXX l wrote to Searss Customer service a letter a letter disputing the interest and asking Sears removing the related fees. Not only Sears did not answer my letter, but also charge monthly interest fee totalizing {$39.00} of XX/XX/XXXX 2021
Product: Credit reporting or other personal consumer reports

I looked at my Report XXXX XXXX XXXX shows Balance {$74.00}, I have no connection with this account. This shows up only on my Equifax report. I always try to reach out but no Response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Metro 2 compliance letter sent to Transunion with full detailed technical statements.
Product: Mortgage

I am the XXXX ( XXXX ), a homeowner 's association with approximately XXXX homes in the XXXX, Texas area. The average price of our homes is generally between $ XXXX to $ XXXX. A property located within our subdivision is XXXX XXXX, XXXX, TX XXXX. This property was abandoned by its owners, who went through a divorce, in about XXXX. Of course the HOA fees are past due but that this is not the basis for this complaint. The property at one time was in great shape but no longer. The brick mail box has fallen down, portions of the siding have rotted away which appears now to allow access to rodents coming into the attic, the grounds are minimally maintained by a management company, the backyard does have a pool which is secured but the fence is falling down and the backyard is a health hazard as it is overgrown with vegetation. XXXX, XXXX, Oh XXXX is a property management company that works for Nationwide Mortgage ( the mortgage holder ) in managing this property. However they do it only when we call them and it takes months to get things done. XXXX XXXX is the contact at XXXX ( XXXX ). I have tried to contact Nationwide Mortgage to find out why this home has not been foreclosed upon in eight years but of course they will not speak to me as I am not the owner and for privacy reasons. We continue to have complaints from neighbors about this subject home because it is an eyesore to the area and homes near by are difficult to sell because of this property. We request that you do whatever can be done to get Nationwide Mortgage to move forward with the foreclosure. They have already lost so much money in just letting this home sit and decline for the past eight years.
Product: Credit reporting or other personal consumer reports

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. 
thanks hard inquiry - XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have multiple inquiries on my credit report that Ive never inquired. Ive been misrepresented by a dealership. The dealership pulled my credit numerous amount of times on different dates. I am dealing through identy theft and this issue made things worst. I am in process of XXXX XXXX  by given in proper information regarding my income on applications, pulling my credit on multiple occasions on different dates and finically hardship on loan.
Product: Debt collection

In this case, XXXX Services ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MN XXXX, representing their client XXXX XXXX, refused to acknowledge that I never had an account with XXXX and do not owe said XXXX XXXX {$2500.00}. XXXX wrote back that the entry meets the requirements of the Fair Credit Reporting Act. However, that is impossible given that I never engaged their client and only had XXXX and it 's predecessor. Please assist in preventing them from collecting under a false premise.
Product: Checking or savings account

My Small Business Checking and Savings accounts have been inaccessible for over XXXX hours with no resolution in sight. I have been unable to access my funds and not even get any information about my funds. It's like the whole system has shut down and all my funds are inaccessible. I have been unable to make payment nor receive payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice congress said ANY card. The credit card is my social security card. This is the credit card used to originate every consumer transaction listed below. They should all be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my report immediately as they are a VIOLATION of my rights as a federally protected consumer under title 15 chapter 41.
Product: Mortgage

Mortgage Paid Off to Mr. COOPER- Texas in XXXX of XXXX Called Mr. COOPER XX/XX/XXXX to find out when my escrow checks will be mailed. 
I am owed a total of {$1600.00} which includes two checks of {$1300.00} and {$290.00}. Have called since then several times. Dates of XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX. Excuses have been used from associates of Mr. COOPER that the checks were sent to the wrong address, bank declined wiring of checks and other excuses. I had the situation escalated to their " escalation '' team. I was assured the checks were going to processed XX/XX/XXXX. I now have continued to call with no call backs or information. No check has been received. They have my current address, which they have had, and my phone number along with email address. I have paid my mortgage in full and they have owe me this escrow. I have also never had a late payment with this company. 
Please assist is retrieving my escrow that is due to me.