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

I have disputed this account XXXX reported by XXXX aka XXXX XXXX XXXX XXXX XXXX to let them know that I have opted out of reporting and that they are violating my rights to privacy as a consumer per 15 USC 6802-obligations with respect to disclosures of personal information. So I am taking this complaint to the CFPB for remedy pursuant to 15 USC 6805 to enforce the law. I am also attaching my documentation to this claim. They usually use stall tactics to say they need more time to investigate and they are reporting false and misleading information. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), they are required by federal law to verify through physical verification of the original signed consumer contract which they have failed to do so. I am seeking the removal of this inaccurate reporting and breach of my consumer privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am exercising my right under the Fair Credit Reporting Act Under section 15 U.S. Code 1681b - Permissible purposes of consumer reports Account name XXXX Account number- XXXX Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a con- sumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a sub- poena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instruc- tions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in con- nection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an ac- count of, the consumer ; or ( B ) intends to use the information for em- ployment purposes ; or ( C ) intends to use the information in con- nection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in con- nection with a determination of the consum- ers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants fi- nancial responsibility or status ; or ( E ) intends to use the information, as a po- tential investor or servicer, or current in- surer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit ob- ligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business trans- action that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.

( G ) executive departments and agencies in connection with the issuance of government- sponsored individually-billed travel charge cards.

( 4 ) In response to a request by the head of a State or local child support enforcement agen- cy ( or a State or local government official au- thorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals case
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a year ; I have been disputing some incorrect information that is incorrectly reported on my credit report. I have requested this information from both the credit bureaus and the creditors, and both have failed to make an attempt to respond to my situation. So I would like to take advantage of this opportunity to file a complaint on my behalf of my credit reporting issues.
Product: Debt collection

I received a letter from your company attempting to collect an alleged debt. For starters, I do not owe your company any money. For two it is not legal for you to collect a debt on behalf of another collection agency. I would like to ask, are you insinuating that I had an account, or some type of credit was lent to me on behalf of Midland Credit Management? I have never done business with Midland Credit Management. 

I need you to provide legal proof that I have the right to do business with you, what bonds me to you? What kind of business dealings have I done with you? I am demanding that you remove this account from my credit reports at once. It is absurd that your company would put something like this on my credit file. Not only do I not owe you money, but I know for sure that a collection can not collect a debt on behalf of another. 

I sent your company a debt validation letter on XX/XX/2022. It is a violation of the Fair Credit Reporting Act to report false information to a consumer 's credit file, you legally have 30 days ( about 4 and a half weeks ) to respond to my request. It has been over 60 days since I originally sent you a debt validation letter, you are not obligated by law to remove this account from my credit file. According to the FCRA, I may sue you in any qualified state or federal court including small claims court in my area. 

The following accounts should not be listed on my credit file remove these accounts 1.Midland Credit Management {$1100.00} 2.Midland Credit Management {$330.00} 3.Midland Credit Management {$560.00} 4.Midland Credit Management {$1400.00} I have attached my legal FTC Form, as well as my document from XXXX Security Breach. Please send me a notice that this account has been removed. I can be reached at the following address listed above or the email : XXXX XXXX
Product: Checking or savings account

Bank : Chase Bank Name : XXXX ( representative im talking to today ) Amount : {$27000.00} My account was closed without my knowledge and they claim they mailed a check to an address I dont live at. Needed to fill out a change of address form and get it notarized which I did. 

Reason for denial : Did not know a check number that was never sent to me. 

XX/XX/2018 - Visited branch to inquire about previous visit where I filled out and notarized the change of address form -- > XXXX XXXX location XX/XX/2018 - XXXX XXXX location -- initially filled out form and notarized it.
Product: Checking or savings account

On XX/XX/2023 It was XXXX XXXX 's XXXX and I received a call from the fraud department at chime banking. I have an account with them and they told me that it looked like there was some fraudulent activity going on in another state I believe it was California I told them that it was not me making those charges. The man I talked to that day said that he would stop the fraudulent charges that they were being made on an XXXX pay account and I changed my pin as he requested and everything they shipped out some new cards to me immediately. It looked more like my card had been compromised somehow. On XX/XX/XXXX I was sitting at home it was XXXX XXXX XXXX XXXX  I did not go out I did not spend any money. These transactions were not made by me ... after I spoke with a man about stopping the fraudulent transactions chime banking allowed XXXX more transactions to go through! Which completely emptied my account. There was several {$100.00} charges to XXXX in another state One of them was Florida or something. Chime has denied my fraudulent transaction claims three different times there is no paperwork really that I can supply them except proof that I don't own an XXXX I only have an Android so I do not have an XXXX pay account. I did not make any of these transactions I was at home in Utah so obviously I could not have made any of the transactions. The card was in my position, I have never given up my PIN number or compromised my card or given anyone access to my card in any way aside from regular purchases. No one will help me at chime. They just keep telling me that they'll send me the information on their end why they denied my claim they believe that no error was made. One woman that I talked to on the phone and the fraud department told me that XXXX the company where all the fraudulent charges were made said they contacted XXXX and XXXX said that the transactions were legitimate. And they may have been legitimate but they were not made by me My account was emptied after I was assured that the fraudulent transactions would stop. They allowed nine more fraudulent transactions to go through and it drained My account completely!! I am a single mom I can't afford to lose {$820.00}. And chime has denied my rebuttals to their claim three times and will not give me my money back. No one will help me and I had just put that money in the day before to make a large payment .... this has truly devastated my financial situation! No one will help me please help me chime didn't look into it or check the cameras and make sure it wasn't me making the purchases I can't prove that I was just sitting home by myself at my house in Utah and XXXX XXXX XXXX XXXX but I did I couldn't even go out on XXXX XXXX XXXX XXXX at all even if I wanted to because my account was emptied completely! They made a bunch of {$100.00} transactions one at a time until my account was emptied It was through XXXX pay so somehow someone cloned my account number or something I don't know how it happened but it wasn't me that made the purchases and no one will help me
Product: Credit card

on XX/XX/XXXX, I opened an account with Chime so my roommate could transfer me rent. i got a text that the account was open and money was transferred. the next day i got an email that says the account was closed due to non compliance with user account agreement and no refund will be issued. nothing else.. no reason. i called and complained to them and all they would say was non-compliance. over and over. eventually they asked me to verify my identity. i gave them pictures of my drivers license and passport and of the letter they sent to my home with the debit card. still non compliance. ive opened a case with the XXXX and now i am here.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the items were erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2021 XXXX XX/XX/2021
Product: Debt collection

This is about a complaint i loged against the company XXXX XXXX XXXX with the cfpb on XX/XX/XXXX for triying to garnish my wages.the complaint # is XXXX. In their response the company indicated That they no longer own the debt and i should contact kmt group which is just a debt relief law firm.XXXX XXXX XXXX just send a certified letter to my job place to start garnishing my salary.they actually deceived the cfpb by saiing they transfer the debt to KMT.the proof is XXXX XXXX XXXX is the plaintif against me ( i will attach the copy of the letter send to my job ) .As i said before why do they asking me to paid {$3800.00} plus interest of XXXX. I spoketo someone who said the debt is from XX/XX/XXXX and i can find it on my credit report.please help i makeabout $ 430.00/weekwith a family of XXXX.XXXX XXXX XXXXstill triying to collect with the help of XXXX XXXX XXXX XXXX.thznk you
Product: Mortgage

United Community Bank , Inc. ( UCBI ) took over XXXX XXXX XXXX XXXX in XX/XX/XXXX. I had my mortgage payment on automatic payment from my account with XXXX XXXX. I have NEVER been late with a mortgage payment. On XX/XX/XXXX I received a threatening letter from UCBI saying my XX/XX/XXXX payment was past due and they may report me to Credit Bureaus ( caps used ). 

XXXX had withdrawn my payment from my account of XX/XX/XXXX. 

In addition to this letter, I received two letters from UCBI threatening to place forced flood insurance in one and forced hazard insurance in the other. Both letter said my insurance had expired. 

I checked with my insurance carrier, XXXX, and was told my food was in full force and due for renewal XX/XX/XXXX. The hazard was in full force and due for renewal XX/XX/XXXX. 

I feel UCBI sent these threatening letters rather than using XXXX XXXX XXXX 's records to change declaration page. They took over the bank and its records and customers, we didn't volunteer. 

I don't know if any law was broken ; however, they are not treating former XXXX XXXX XXXX XXXX customers well.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I reached out to Transunion in order to dispute inaccurate negative accounts on my report. I never received any investigation results from them to date ( XXXX ). Transunion received my dispute on XX/XX/2020 and have not investigated these incorrect accounts. This is hurting my credit immensely! The incorrect accounts are from XXXX XXXX XXXX {$800.00} and from XXXX XXXX for {$1300.00}. I have disputed the accounts with the creditors directly with no response for my debt validation request.
Product: Credit card

Received notice of account closure on XX/XX/2016 from XXXX due to inactivity. Called to inquire and was informed that if new application was submitted and approved the XXXX reward points lost would be reinstated. Card was approved however points were not reinstated. Contacted XXXX at Citibank 's XXXX offices ( direct line XXXX ) who confirmed recorded conversation promising reinstatement of reward points for credit card application. Was informed that decision was made not to reinstate. 
Consider this an unethical sales practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Product: Debt collection

On XXXX XXXX 2015, at approximately XXXX CST, my wife received a call. The call was from a man, a representative of Capital Accounts ( XXXX ) who said his name was XXXX XXXX. He stated that he was calling about an alleged debt for me, XXXX XXXX. XXXX requested that my wife verify her identity. My wife, XXXX, refused to verify her identity to some strange man over the phone. Then XXXX gets the brilliant idea of asking my wife to verify the account holder and proceeds to release my entire social security number to an unverified third party over the phone. The debt was related to a medical office which I 've never entered. Further, upon contacting said medical office I was told that they do not have a record of my social security number and could n't have released it to the collection agency. 

In summary, I was contacted by " XXXX XXXX '' of Capital Accounts ( XXXX ) about a debt that did n't belong to me. XXXX XXXX found and released my full social security number to a third party.
Product: Credit reporting or other personal consumer reports

My credit report is reporting a bankruptcy which TransUnion still have not furnished me proof that this account was verified. Per XXXX We have reviewed the information from our Bankruptcy Records and determined that the data being reported is unverifiable. Dispute of Bankruptcy Reporting Under 15 U.S.C. 1681c ( 5 ), Reference Number : XXXX. Under 15 U.S.C. 1681c ( 5 ), which governs the maximum time that adverse credit information, including bankruptcy, can be reported on consumer reports, this entry is either inaccurately reported or has exceeded the permissible reporting time. Please conduct a reinvestigation into this matter. I request that the inaccurate or outdated bankruptcy entry be removed from my credit report, or that I be provided with verification from the original source showing that the information is still valid and meets all the requirements for reporting under the Fair Credit Reporting Act. I have been disputing these issues for 9 months. Dates that I sent a letter requesting these issues be hand or furnish me with the necessary documents XX/XX/24, XX/XX/24, XX/XX/24, XX/XX/24, XX/XX/24, XX/XX/24, XX/XX/24, XX/XX/24 and XX/XX/24. TransUnion sent a notice on XX/XX/24 stating they verified this information.
Product: Credit card or prepaid card

Back almost a half year ago I submitted a complaint about missing money equalling XXXX $ and received a response from " payactiv '' ( which I initially complained to the cfpb about ). I'm the response I got a reply from XXXX on which she stated she found the problem. I got in contact with her however she never responded back after that. XXXX is the number she referred me to..I have since been trying to track this lady down with no response and the email is no longer existent. Please can you get ahold of me as soon as you can
Product: Mortgage

On XX/XX/XXXX, I went inside United Community Bank to refinance my home mortgage loan # XXXX XXXX XXXX XXXX. ( see pages # 's 105, 106 ) ( New Servicer for 3 months XXXX, XXXX, XX/XX/XXXX ) Loan number # XXXX XXXX XXXX XXXX XXXX XXXX. ( see pages # 's 126, 127, 128, & 129 ). ( Servicer from XX/XX/XXXX- XX/XX/XXXX ) I signed a document with United Community Bank that stated they intend to service my loan # XXXX, and if so i will make my payment to them. ( see page # XXXX ). 
United Community Bank have already transferred my loan to XXXXXXXX XXXX, I am still waiting on a information package that my loan been transferred to XXXX, they have not send me any information with thier name on it about my mortgage loan been transferred to them or any information about my principal balance, no monthly billing statement. On Friday XX/XX/XXXX, I was at United Community Bank meeting with XXXX XXXX and Closing attorney XXXX XXXX about some of my documents. Me and XXXX called XXXX about me having not received my welcome package about my mortgage been transferred to them, I asked if they could fax me any documents about the transfer and they said no. But they was able to fax to me at the bank a payoff quote. Today is XX/XX/XXXX monday and i am still waiting on something on hard copy paper about my transfer and principal balance from XXXX Mortgage. I had a Conventional loan, before I transferred my loan to a FHA. and my montgage payment was a {$120.00} lesser, than my payment now. I had know idea they was going to transferred my mortgage loan as soon as they got it. On XX/XX/XXXX I did not do a counter credit, but its listed on my bank statement on-line amount {$620.00} ( Bank of XXXX XXXX Note : Please read pages 1 - 25
Product: Credit reporting or other personal consumer reports

I sent credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX removal letters via certified mail asking to have several accounts reporting about alleged debts removed from my consumer report. Pursuant to 15 USC 1681a ( 2 ) ( B ) Exclusions " 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 my consumer report. '' All letters were also sent with a green return receipt and only one of the companies has signed saying they received it. Under federal law, these corporations have violated me as a consumer. XXXX/Equifax agents have all infringed on my right to privacy since they are signing for letters that I did not send to them, but to the corporations. I have disputed the items on my report many times with little to no response from each company. Their previous responses state that the disputes can not be removed because they have been validated, which is false. Corporations can not validate any alleged debt without the consumer 's validation. I have not been able to relocate my family to a safer environment due to denials from rental companies. These companies have caused me and my family many hardships due to the alleged debt being reported on my consumer reports.
Product: Credit card or prepaid card

On XX/XX/2021 I noticed that {$5600.00}, was taken from my momentum mastercard, which is a prepaid card sold at Money MarXXXX locations. I immediately called XXXX mastercard to get it cutoff so that no additional charges can be done. I was sent a dispute form with all the charges and told to email it back, which I did the same night. They said it can take up to 90 days but to call back in 10 business days because I can be reimbursed sooner. On XX/XX/2021 I was notified by two banks about my info being used to open credit accounts. On XX/XX/2021, I went to Money Mart to speak with the Manager at store XXXX in XXXX, CA and she positively identified her employee from my bank statement as the person who was transferring funds from my account to herself. Not to mention, the same employee was also fired for stealing money orders from the company.On XX/XX/2021 I spoke with XXXX at Money Mart head office and emailed the police report. On XX/XX/2021 I file a complaint with the DA office. Money Mart Corp. office is fully aware of the incident and I've been very cooperative, they have all the proof and evidence they need to prove negligence, fraud and identity theft but they have not reciprocated the same response. Its now, XX/XX/2021,14 days later and still I have no money, no response or corrective action taken. Im am mentally, physically and beyond exhausted with being treated unfairly by this company with bad business practices. I trusted this company to protect my personal information and finances and that trust has now been broken. They have not even attempted to notify other customers of the identity theft and fraud committed at the XXXX location as others could potentially be at risk. At this point my entire identity and finances is in the hands of a theft that Money Mart employed and trusted with their customers information. Money Mart is dragging their feet with the Investigation. There's no need for an investigation when the evidence is firm.I want others to know about this and to take my experience as a reason to take extra precaution when dealing with untrustworthy employees and companies. This is a clear case of them protecting there personal liabilities over public interest and its unethical.
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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The following multiple entries on student loans were reported on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA.. Credit Bureaus could not even give me concrete explanation as to why thy wont delete it.. Please step up CFPB and delete XXXX XXXX  XXXX   XXXX****, XXXX  XXXX XXXX XXXX****, XXXX  XXXX   XXXX XXXX**** , XXXX XXXX XXXX XXXX**** , XXXX   XXXX XXXX XXXX**** , XXXX XXXX XXXX XXXX****, XXXX XXXX  XXXX XXXX****, XXXX XXXX XXXX   XXXX****, XXXX XXXX XXXX XXXX**** , XXXX XXXX   XXXX XXXX**** ,