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

Per Equifax 's Press Release Statement : there was unauthorized access from MidXX/XX/XXXX. The first indication that Equifax gave of this breach was on thXX/XX/XXXXThis I an extreme amount of time to investigate and notify those affected of the LARGEST CYBERSECURITY BREACH in United  States history. To top it off, the service that is offered by Equifax is through another entity who deceptively state in their ToS that signing up for this service ( which is offered to all victims of the breach ) removes your right to sue and that it will be decided in arbitration? The TOS is hidden and does not inform you until " after you 've input information to check if you 're affected ''. There are some that were registered automatically, INSTANTLY removing their rights to a fair trial. 

On top of it all, constant 404 's on the Equifax page, I am unable to complete forms on the Equifax page to put up a fraud alert ( calling them states they are too busy ). They also charge {$10.00} to put a freeze on your credit. Something that should be provided free of charge at the least! How is it legal for a company to say " We 're one of the 3 largest financial enterprises in credit consumer reporting in the world. We just had the largest data breach in history and we 're going to have our website broken and charge you to fix the problem. By the way, if you go with our service, you give up all right to SUE US FOR STORING INFORMATION IN PLAIN TEXT!
Product: Checking or savings account

This complaint regards BMO Bank checking account XXXX. I opened it on XX/XX/23. I had trouble setting it up, with XXXX, separate, {$100.00} deposits. I was eventually referred to XXXX XXXX of BMO. Her number is ( XXXX ) XXXX XXXX. 
Eventually, the {$200.00} did show up on my account, but there is a block on my account allowing me neither to transfer money in nor out of my account. In addition, I have been charged XXXX, $ 25 monthly fees while trying to close the account. I have left XXXX XXXX numerous voicemails over the past 3 months, none of which have been returned.. This week, I started from " scratch '' and called customer service, and was switched to several different representatives in different departments. None were able to lift the block. Finally, after XXXX minutes, my call was routed to XXXX XXXX, for whom I left another voicemail, to no avail! 
Please have BMO restore my {$50.00} in fees, and have the block on my account lifted so I may transfer my {$200.00} out and close my account. 

Thank you, XXXX XXXX ( XXXX ) XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts : XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX were updated and verified after filing a dispute, on XX/XX/2023 I have received an updated copy of my Transunion credit report and noticed the original creditors failed to put " notice of dispute by consumer '' in the remarks. That is a violation of my FCRA rights, 15 u.s.c 1681-2. The law states " Duty to provide notice of dispute.If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ''
Product: Debt collection

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX MIDLAND CREDIT MANAGEMENT Encore Capital Group XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX RE : XXXX XXXX ; CFPB Case # : XXXX RE : Reference Numbers : XXXX, XXXX To Whom It May Concern : I appreciate your feedback provided via CFPB and the time youve taken to respond. 

Be advised that this is a notification of CEASE AND DESIST as well as an invoice for {$6000.00} pursuant to 15 USC 1692k ( a ) ( 2 ) ( a ) for your violations which may remit payment to me to my address above within 30 days. Kindly read as follows : Your feedback indicates you purchased this alleged debt back on XX/XX/year>. Over 6 months transpired, and you have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ), yet you placed this attempt at collection on my consumer report. You are in violation of this federal law as such. Pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA, you are legally obligated to provide VALIDATION, not verification, of a CONTRACT WITH YOU. 

I was not given, SINCE XXXX, by you, a chance to dispute the account in your attempt to collect at a purchased debt for your profit. You, then, are in violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Me finding this account ON MY CREDIT REPORT does NOT equate to an opportunity provided by you the chance to dispute. It does, however, violate 15 USC 1692c ( a ) and ( b ). 

You have no authority to furnish any account to any CRAs without providing all disclosures required by law. An original, wet signature contract with original creditor does not substitute for a contract with your company. You, then, are in violation of 12 CFR 1006.34 ( d ) as well as 15 USC 1681-S2 ( 7 ) ( a ). 

Delete this account from all CRAs immediately and CEASE AND DESIST. If this continues to report on any of my credit reports by your company ( Midland Credit Management ) or the company you represent ( Encore Capital Group ) and if you proceed to contact me further other than a confirmation of deletion as well as remittance of payment of {$6000.00}, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 

I am sure you will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and CFPB paired with the innumerable complaints they have on you on file to date. 

Best Regards, XXXX XXXX XXXX : CFPB
Product: Debt collection

CBS collections at XXXX XXXX XXXX, XXXX, La, XXXX has been calling me for debt collection notices in the amount of {$4200.00} the collection has been report as past due balance. I do not know this company. I have never done any business with this company. This company does not have the contract with my signature.
Product: Checking or savings account

Hello my name XXXX, I have a loan that was sent to cash app because I use cash app for business, cash app is suppose to allow any amount do be direct deposit and unfortunately payment was sent XX/XX/2020 @ XXXX XXXX and cash app has failed the direct deposit for some unknown reason. I also reached out to cash app with multiple emails today and still havent got a response from them. Can you guys please help
Product: Credit reporting or other personal consumer reports

Student loans were paid in full through the XXXX student loan program. Still reflects a balance. See attached documents
Product: Credit card or prepaid card

I have a Comenity / Bread XXXXXXXX XXXX XXXXXXXX. They offer a promotion for any season ticket purchase over {$250.00} you have 6 months no interest promotion period. I made my season ticket purchase with the XXXX XXXX for {$4800.00}, directly with the XXXX XXXX ticket office. When the charge posted to my account there was no promotional period. I spent over a week going through their online chat to try to find out why it wasn't added with a promotional period. They eventually determined it didn't have one, even though it clearly states on all of the marketing literature that a promo exists. 

I then called them, spoke with two different supervisors ( the last of which was very rude and aggressive ) and the only thing they could offer was to dispute the charge in order to have it added to the promotion. The dispute takes two weeks and the balance on the card is due in a week and a half. They are essentially forcing me to pay the card in full to avoid interest charges since the dispute won't be complete until after the payment due date. 

This is very misleading and I still never received an answer as to why the promo period is being advertised but not honored.
Product: Debt collection

XXXX XXXX XXXX and now my place of employment have been receiving harassing phone calls claiming they are with Plaza Services collection agency attempting to collect debt. When anyone tries to get more info on the debt they refuse until they get more info from me. They asked person details and info which I'm not comfortable giving until i have confirmation this debt belongs to me. They refuse all requests, They never sent a letter to me in the mail, they hang up on me whenever i try and get info on the debt, and they have been yelling at myself and my mother every time we refuse to give person details.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to respond to my dispute to remove this old outdated account from XX/XX/2014 almost 9 years old. This is really hurting my credit score.
Product: Debt collection

Midland Funding has been attempting to collect on a debt by way of Mail Fraud.I demand they cease and desist all communications in regards to this debt including removing it from my consumer report. I have already identified these items to the NCRA 's and this complaint will serve as notice that by law they have 4 Days to remove any information identified by the consumer as identity theft. XXXX  has already removed one of the accounts but I have been met with resistance in a matter that shouldn't be this hard to remedy. If federal laws are not upheld I will initiate the litigation process.
Product: Checking or savings account

On XX/XX/XXXX, I received an email from Marcus at Goldman Sachs requesting me to call their helpline number. Since I was busy with personal matters, I called back on XX/XX/XXXX and learned that my account was restricted because of " security reasons ''. The fraud team was unable to send a one-time verification code to my phone number because my phone number shows as inactive on the third-party database that is used by Marcus for identity verification XXXX Note that, when I log into marcus.com, I am able to receive a one-time code on the same number. 

I ask if there are other ways I can be verified, for example via email, a video call with my holding my passport, confirming my SSN, and a myriad other ways that are typical across the industry. Apparently, the only way to un-restrict my account was to mail in a notarized Affidavit of Identity ( " XXXX '' ) form to the XXXX XXXX XXXX in XXXX. I inform the team that I am currently overseas and will be for the next two years because I am studying abroad. They confirm that as long as I can have the AOI notarized and mailed to them, that it should not be an issue. 

I do so, and confirm by calling the helpline that the AOI was received by the relevant team on XX/XX/year> and that the review process typically takes 3-7 business days. I ask to expedite the process and they say that they will review my case and provide a resolution between 1-3 business days. On XX/XX/year>, I called the helpline and spoke to a supervisor so that I could get an update on my case. The supervisor ( named XXXX ), informed me that my AOI was not approved because it was notarized outside the US. She walks me through the policy and opens a case on my behalf to close my Online Savings Account since I will be living outside the US for an extended period of time. I call back on XX/XX/year>, and this time speak to another supervisor ( named XXXX ) who informs me that the AOI review is still pending and that I could expect a response by XX/XX/year> and that I should call back on XX/XX/year>. 

This highlights the gross incompetence prevalent at Marcus by Goldman Sachs. There are cases where supervisors are providing me with incorrect information, and at the same time freezing my assets for a reason that is inexplicable. Further, there are no alternative identity verification processes available to them.
Product: Credit reporting or other personal consumer reports

THE CREDIT REPORTING AGENCIES ARE REPORTING THIS CREDITOR XXXX AS A CLOSED ACCOUNT THAT IS CHARGED OFF AND REPEATEDLY UPDATING THE MONTHLY HISTORY AS A CHARGE OFF WHICH IS MANIPULATING THE STATUE OF LIMITATIONS ON THIS ACCOUNT WHEN THIS ACCOUNT HAD ALREADY BEEN PREVIOUSLY REMOVED FROM MY CREDIT PROFILE THIS ACCOUNT INFORMATION THAT IS BEING REPORTED IS ALL INACCURATE AND HAS LOWERED MY SCORE TREMENDOUSLY WITHIN THE LAST 30 DAY RESCORE DUE TO THE UPDATE IN THE CHARGE-OFF STATUS REPORTED THE ACCOUNT HAS BEEN A VIOLATION OF MY RIGHTS
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 and account # XXXX, Account name : US Bank and account # XXXX, Account name : XXXX and account # XXXX, Account name : XXXX XXXX  and account # 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 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: Mortgage

I bought a home with Lennar Homes back in 2022. The house I purschase had a special $ XXXX off and 3.99 % apr. The loan officer waited until the day of closing to change the interest rate to 4.75 %. This should be against the law and this was only done because I was XXXX. 

Also my one time payment of $ XXXX was not added to my loan. 

XXXX is know for screwing XXXX customers over when doing home loans or making it very difficult to close. The loan officer was report but was not fired. He never communicated good nor would anser any questions. He made me send the same documenst over and over trying to confuse the process.
Product: Vehicle loan or lease

Below is the letter I have emailed and submitted by online complaint. 
I have also explained this and much more on many phone calls as well. 
GM has a very serious problem with communicating with a customer once a problem is identified. 
A month or so back I made a verbal complaint and I have a case # of XXXX. 
I have not had any luck at all with these methods. 
Please review this and let me know how we can resolve this. 
Thank you, GM FINANCIAL, XXXX. # XXXX I am contacting your because I want to resolve the problem with my account and have always been willing to do so. 
I paid off this account on XXXX XXXX 2020. I printed a confirmation at that time. The next day I received an email confirmation stating that no further action is required your words not mine, I printed that as well. 
On XXXX XXXX 2020 on received the Title to vehicle in question in the mail. It is a clear title in my name with no lien. 
On XXXX XXXX 2020 I received an email stating you had great difficulty contacting me which is not true- this is the first notice I had that there was any kind of problem and it did not state what the problem was. 
I called to see what the problem was and your agent told me that my check bounced. I will not put up with an accusation like this from anyone, especially when it is not true. 
My bank always calls me if there is a problem with any of my accounts because they do not want to make me mad. 
Since then I have called several times to try to get this resolved. Your people are not trained very well and are not willing to report this to someone who can help resolve this problem. 
I will be glad to pay you the {$6200.00} that you did not get the first time if you will produce 3 things.

1 A letter guaranteeing that GM Financial will not report any negative information about me and this account to any and all entities and persons and guaranteeing that GM Financial will remove any negative information that has been reported to any and all entities and persons about me and this account.

2 An explanation of how this happened why you waited so long to contact me. 
3 Some kind of credit for my damages. I have not been able to use and enjoy my vehicle because you have informed me that my vehicle would be repossessed and I have had 2 repo companies contact me regarding this issue. 
I am always negotiable and am willing to live up to my part of this thing. 
It will take reasonable communication from GM Financial to do so. 
Thank you, XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the Fair Credit Reporting Act, 605 Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years I have requested Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX. XXXX  XXXX Bankruptcy - XXXX # : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts if it isn't reporting correctly. Also. 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with an account which is not mine, please delete
Product: Mortgage

My loan that was initiated with XXXX XXXX XXXX on XXXX/XXXX/XXXX, and was serviced by XXXX. Due to family hardship, at the end of XXXX I fell behind on my payments for few months. After applying for a modification plan and being finally approved for a modification with specific trial amounts, my loan was sold few days later and transferred in XXXX XXXX by XXXX to a new servicer /Fay Servicing LLC . Right away, I made contact with Fay Servicing to start making those payments. Fay Servicing asked me to re-apply and re-submit all the documentation in order for my loan to be considered for a possible modification by the new owner -XXXX . The old modification approval from XXXX was void. However, they agreed to take payments from me every month from the moment my loan was transferred to them, while my file was reviewed for a possible modification plan.The review was extensive. They kept asking for documentation that I previously sent or new documentation, denied me for missing documents that I already provided but got lost and asked me to reapply again ... The way Fay Servicing has been applying my payments and extra payments to XXXX loan and escrow was very ambiguous and hard for me to understand on my statements. When I reached out to Fay Servicing to help me understand the customer service was able to only take my monthly payments but for issues they referred me to the account manager as the only person that I can discuss my account. The account manager was always very hard to get hold of when I was available, intentionally calling me back when I was at work and not able to respond and discuss. For many months, he denied me access to view my loan online because my loan was not up to date and he would not follow with any of my concerns. Eventually in XXXX my financial situation improved with my husband finding a job and I was able to bring my payments up to date. At the end of XXXX I called the account manager and informed him that I was refinancing my loan with another institution and asked him if there are any additional fees that I should be aware of besides the loan balance. After checking my account, he said no. The payoff included a charge of {$430.00} called corporate advance that I was never made me aware of. When I called and asked for details on it, the account manager said that it is related to foreclosure process they started even thou they accepted my payments every last day of each month, never missing one month since I was transferred to them from XXXX.
Product: Checking or savings account

I no longer have access to the dates or transactions in question as my account was terminated someone had linked their debit card to my account made what I fear to be many fraudulent transactions and never could get an answer on how they did it thru the online banking or why I was never notified that another person was using my account.
Product: Debt collection

Ally Financial has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

XXXX XXXX XXXX XXXXXXXX