23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

In XXXX I made an initial complaint and filed a dispute with my bank in reference to a {$220.00} XXXX XXXX  withdrawal that I did not authorize they first tried to say they sent communication requesting more information however they did not because when they sent the communication by mail that they closed my account that they close my dispute I received it in a timely fashion called and had the case reopened off XX/XX/XXXX I had not received communication from them so I called today and was told my dispute had been denied again without notification and the only reasoning is they say I authorized it or I didn't send information which nut has been requested I even asked the gentleman today or that I had already been compensated from XXXX XXXX which is not correct I have not even contacted XXXX XXXX because I'm supposed to have 100 % fraud coverage on my card so I didn't find a need to contact XXXX  XXXX  as a XXXX XXXX  I feel like they are stealing for me and using my inability to her adequate Castle to fight them to their advantage
Product: Credit reporting or other personal consumer reports

It has been several months since my last credit report review, and I've found that some information remains inaccurate. Both XXXX and Equifax credit bureaus are required to verify this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Deeming this reported item as unverified without presenting evidence within the legal timeframe is unacceptable. I request an immediate investigation into the unverifiable item and its prompt update in my report, in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). XXXX XXXX XXXX XXXX.
Product: Debt collection

This complaint is in regards to the BB & T account on my credit. In 2018, A family member of mine obtained my social security details and used it to purchase a XXXX XXXX and financed it through BB & T without my consent/ awareness. I decided to resolve this as a family issue and have him assume 100 % responsibility for the debt, but he has consistently failed to make payments and the account is currently delinquent. The bank has threatened to take me to court since my name is on the account as a primary holder. The car is in possession of the family member and neither the bank or myself know his whereabouts to retrieve the vehicle. In addition to this, I receive a notice of road violations every month from his driving around in Virginia, and have to pay because he managed to register the car with my name as well.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX DOB XX/XX/XXXX Please be advised that this is my 9th REQUEST I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Name of Account : Account Number : Provide Physical Proof of Verification!!!!!!!!!! this need THIS MUST GO TO YOUR COSTUMER SERVICE DEPARTMENT!!!!!! IN THE USA NOT TO A XXXX this was your reply .... all wrong and was in violation of the FCRA Case number : XXXX Status Company responded Trans Union said : Explanation of closure The Fair Credit Reporting Act allows : Bankruptcies to be reported for 10 years from the date of filing. However, it is TransUnion 's policy to report discharged or dismissed Chapter XXXX bankruptcies for seven years from the date the bankruptcy was filed. Voluntarily dismissed bankruptcies, regardless of the chapter filed, are reported for seven years from the date the bankruptcy was filed. Accounts included in the Bankruptcy filing to be reported for seven years from the date the bankruptcy was filed. 

The inquiries listed on your credit report are a record of the companies that obtained your credit information. All inquiries remain on your credit report for two years. Credit information may be requested only for the following permissible purposes : credit transactions, employment consideration, review or collection of an existing account or other legitimate business need, insurance underwriting, government licensing, rental dwelling, or pursuant to a court order. Your written XXXX XXXX not be required to constitute permissible purpose. If you believe that an inquiry on your credit report was made without permissible purpose, then you may wish to contact the creditor directly, in writing, regarding its purpose. Please note that your specific consent to the release of your credit information is not necessary for a permissible purpose to exist. 
WRONG THEY MUST HAVE PERMISSION. TO ACCESS MY REPORT THEY DID NOT!!!!!! 


BANKRUTCY chapter XXXX for XXXX MUST BE DELETED VIA COURT ODER SEE PAGE XXXX OF ORDER I HAVE SENT YOU THE COMPLETE ODER AND I AM IN THE SETTELEMENT DOCKET # XXXX XXXX NUMBER XXXX YOU CAN CALL THE COURT AT XXXX TO VERIFY ORDER TOWER FED XXXX XXXX ALSO MUST BE REMOVED VIA COURT ORDER READ ORDER IN CHAPTER XXXX FOR STATE OF VA remove XXXX INQUIRY ... DO NOT SAY VERIFIED I CALLED THEM AND THEY DO NOT KNOW WHO I AM AND HAVE NO PAPER TO SHOW I APPLIED FOR CREDIT. 
PER FCRA YOU MUST SHOW HOW YOU CORRECTED THE ITEMS AND SHOW HOW YOU INVESTIGATED THE COURT ORDER. 

MY ID IS ATTACHED!!!!!!!
Product: Debt collection

Received e-mail in XXXX from Credit Corp Solutions Inc., a debt collection company. E-mail claimed that I owed XXXX the sum of {$1100.00}, claiming I withdrew funds from account before funds were paid out. 

To the best of my knowledge, I have not used any XXXX services in more than XXXX ( XXXX ) years, perhaps not before XX/XX/XXXX (? ). 

I contacted XXXX concerning the above, asking XXXX to verify the above statement and, according to XXXX, my account was in perfect order and I did not owe any funds to any person ( XXXX ), company or corporation. 

Last week of XX/XX/XXXX I attempted to log into my XXXX account and found my XXXX account locked out. I contacted XXXX and they referred me to Credit Corp Solutions Inc . I requested from XXXX as to why my account was locked and XXXX would not give me any information and told me to contact Credit Corp Solutions Inc . 

I contacted Credit Corp Solutions Inc. and Credit Corp Solutions Inc. told me that, according to XXXX, I removed all funds from my XXXX account before funds could be paid out to certain parties. 
I informed Credit Corp Solutions Inc. that something is wrong and I never purchased anything via XXXX. I only used XXXX to sell certain items and never purchased any items and that XXXX will not allow anyone to withdraw funds if money is owed.

Credit Corp Solutions Inc. claimed they would look into the matter. Credit Corp Solutions Inc. would not identify any involved parties that I allegedly owed money to. 

Received letter from Credit Corp Solutions Inc., postmarked XXXX XX/XX/XXXX, stating that Credit Corp Solutions Inc. had acquired this alleged debt, in the amount of {$1100.00} from XXXX and that now I must pay this alleged debt to Credit Corp Solutions Inc .

A total of four ( 4 ) items are listed, in various amounts. All four ( 4 ) items were made on the same day / year. These four ( 4 ) items are not mine, and are not identified by Credit Corp Solutions Inc. except for a date and dollar amount. 

Since XXXX refuses to discuss this matter with me in any form, and since Credit Corp Solutions Inc. refused to identify actual parties making these alleged claims of funds owed, I believe one of two ( 2 ) things are happening here : 1. Identify Theft being my XXXX account was hacked and this is a failure of XXXX to protect their account holders or 2. There is a collusion between Credit Corp Solutions Inc. and XXXX to make false claims to extort funds from account holders.

I have reviewed Credit Corp Solutions Inc. ratings on the XXXX XXXX XXXX XXXX XXXX XXXX website and there are numerous filings with the BBB of complaints against Credit Corp Solutions Inc. for fraud, exactly as I have described my situation.
Product: Debt collection

I called Jefferson capital ask them for all contracts that was sign I ask them if car was sold at Market value not a Auction I need the Information for that lady told me it was sent I told her I never received anything from yall I told her I did not Authorize the sale and use of my Personal Information my Social data of birth did not give them right to us it the woman did not want to send me all the documents I asked for
Product: Vehicle loan or lease

RE : Penfed Auto Loan Acct : XXXXXXXX Refinanced this auto loan with Penfed and vehicle has had full insurance coverage since purchase ( see attached ) without any lapse in coverage.

Pendfed is placing and requiring additional costs be remitted in association with adding a new auto supplemental policy - above and beyond the coverage currently in place.

The loan agreement ONLY requires a standard auto insurance policy, which my policy complies and is above and beyond the minimum requirements set forth in the agreement and has been in place since the purchase of the auto.

This action by Penfed is illegal in the State of Florida.

I am therefore filing this complaint and submitting the same to Florida 's Office Of Insurance Regulation.

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Creditor Name : XXXX XXXX XXXX XXXX Account number : XXXX I am writing to address the inaccuracies surrounding my account with your institution. On XXXX of XXXX, I diligently made an in-person payment of {$1500.00} in cash towards my Personal Loan Installment at a local XXXX XXXX XXXXXXXX XXXX I ensured the transaction was completed by obtaining a receipt, thus bringing my account up to date as intended. However, my confidence in your institution was soon shattered when, XXXX weeks later, XXXX XXXX XXXX XXXX ( XXXX ) inexplicably reversed the {$1800.00} payment I made. To my dismay, XXXX applied this payment to an auto loan installment, which I also held with your institution. Consequently, this action caused my XXXX XXXX XXXX account to fall into arrears, leading to its immediate charge-off in XXXX of XXXX. I have received a notification stating that this same installment account was closed AND CHARGED OFF XX/XX/XXXX. This a CLEAR DISCREPANCY and INACCURATE information reporting ( Multiple violations and I requesting for this account to be deleted because of the inaccurate reporting ). I am deeply troubled by the negligent and fraudulent handling of my account. At no point was I informed or provided with written notice that my payment would be diverted to another account. This deviation from my explicit instructions to apply the payment to my XXXX XXXX Installment constitutes a breach of trust and a violation of my consumer rights. 

Considering these egregious errors, I am compelled to request immediate action to rectify this situation. Specifically, I demand the following : Deletion of the erroneous account from my credit report, as its presence is detrimental and unjustified. 
A comprehensive investigation into the circumstances surrounding the reversal and misapplication of my cash payment. I seek clarity on why this occurred and assurance that corrective measures will be implemented to prevent such incidents in the future. 
Transparent communication regarding the steps being taken to address this matter and prevent its recurrence. 
Please consider this letter as a formal dispute concerning the mishandling of my account. I expect a timely resolution to this issue and request confirmation of the actions taken within 30 days from the date of this correspondence. Failure to address this matter satisfactorily within the stipulated timeframe will leave me with no choice but to pursue legal recourse. Additionally, I will file formal complaints with the NCUA, XXXX CFPB, the Attorney General, and other relevant regulatory bodies. 

I trust that you will treat this matter with the urgency and seriousness it warrants. Your prompt attention to this issue is appreciated. 
The following supporting documents are enclosed for your review : XXXX. CARES ACT 2. 15 USC 1681b ( 2 ) ( a ) ( 1 ) PERMISSIBLE PURPOSE 3. 15 USC 6802 ( OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFO ) 4. 15 USC 1681 C-1 5. 15 USC 1666 ( BILLING ERROR ) 6. 15 USC 1666b ( TIMING OF PAYMENTS ) 7. 18 USC 8 ( I OWE NO DEBT )
Product: Money transfer, virtual currency, or money service

In XX/XX/year>. I received a payment for a company that I was suppose to do a decal marketing for. The payment was for {$1400.00} and I proceeded to deposit the funds into my Bank of America account. There was a temporary hold on the funds and they were later released and the funds cleared. As instructed in the letter, I were to XXXX  the funds to the company to receive the decal. I did so. Later on my account was overdrawn by the {$1400.00}. Bank of America informed me the payment was fraud and I needed to remit all funds to them.
Product: Mortgage

I have been disenrolled from recurring monthly payments a number of times without being notified. My account has then been at risk of having a late payment. I have re-enrolled and again am disenrolled. Now the bank has removed the possibility of doing recurring payments on my mortgage account which is ridiculous and probably fraudulent.
Product: Vehicle loan or lease

My complaint is for vaguely threatening collection attempts. I unfortunately don't have the specific date but it's happened twice now where I have contacted the 3rd party financial institution that works with the car dealership to let them know that there was an issue with either a paycheck being short or some unforeseen reason that my ACH payment didn't go through. Both times I am addressed rudely and unprofessionally about the situation and they won't give me any specific information regarding late fees or repossession. I have never been more then maybe 8 days late on my payment, and it's only happened TWICE in the last year. The most they ever give me is " we have no grace period. '' and " we can't say what will happen with you being delinquent, but something will happen. ". The payments they pull are inconsistent as well, it varies from {$260.00} to {$270.00} but no one seems to be able to explain to me what the {$10.00} difference is. As a consumer I believe it is within my legal right to know what my time frame is for certain consequences as well as an explanation for the different charges. I have reported their behavior to the car dealership as well and was apologized to but nothing changed otherwise. I have made early withdraws from my IRA to pay them due to the vague threats they give when I have gone past due because I truly don't know if they'd repossess my vehicle for being a week late, so now I have at least 2 extra penalties I'm going to owe the IRS come tax time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was hospitalized XX/XX/2019... I could not pay my installments to Barclays Bank on a personal loan. Once I was ok I started making payments to catch up.. {$100.00}, {$100.00}, {$200.00}.. then a {$2000.00} payment. They sent me a receipt for the {$2000.00} payment but no balance on the loan due. I asked for a payment history and was denied. I asked about the payments made prior to {$2000.00} payment and they refused to discuss where they were other I did not make payments? I continued to request payment history and they refused.. I have requested copies of the cancelled check from my bank! Why can't I have access to my payment history! Finally they suggested I hire a lawyer?
Product: Checking or savings account

Dates : XX/XX/year> Amounts : {$1200.00} Actions that were taken by you or the company : I called and spoke to bank of America representative. I was told the the bank has the Right of Offset to take from my Personal Checking Account to cover Business Credit Card Debt.
Product: Credit reporting or other personal consumer reports

Credit Karma has continued to attack my XXXX credit report with wrong information which I feel they are working with XXXX XXXX who is providing false information on a fraudulent account that they have mixed up with my settled account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a collection from an AMSHER COLLECTION SERVICES on XX/XX/XXXX that was placed on all my bureaus. the original Creditor was XXXX. I've spoken to XXXX and this account was closed due to fraud. Someone used my name and social security to open and use this account. AMSHER COLLECTION SERVICES is now trying to collect a debt that is fraudulently against my name. It's also a duplicate attempt at colelction, because on XX/XX/XXXX for the same original creditor, XXXX, a RECEIVABLES PERFORMANCE has also tried to collect a debt in a similar amount. They then sold this debt to AMSHER COLLECTION SERVICES and now the same fraudulent debt is being attempted once again by another company with a brand new collection registering against my name with the bureaus. Meanwhile my score has suffered a XXXX point hit accross all bureaus. Can we please have this removed? Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX SS XXXX DOB XXXX Looking over my credit report I noticed there were some late payments showing and due to the pandemic/hardship I was not able to make those payments on time. 
The following accounts are listed that show late payments for 2020 : CAPITAL ONE BANK # XXXX. The dates were XX/XX/2020, XX/XX/2020 my income was affected due to the COVID-19 Pandemic shutdown. 
I am in the middle of moving and this late mark is preventing me from moving into a new apt . I was under the COVID-19 SHUTDOWN. 
The CARES Act calls these agreementsaccommodations.
Product: Money transfer, virtual currency, or money service

I was contacted by Venmo stating there was activity violating terms of service and that my account was frozen. I stated to them the account has not been used in 7 months so there has been no activity and I requested specifics on this activity as it appears it may be fraudulent. Instead of assisting with any kind of fraud investigation, they simply froze the account which means I can not actually engage in any kind of preventative actions related to any fraudulent activity taking place ( or having taken place ) on the account that I did not actually initiate. Furthermore Venmo states they have support available via their XXXX account and despite repeated efforts to try to get assistance because I can not do so online as the account is frozen, they have failed to respond to any of my requests for support. Simply put, my account may be being used illegally by a third-party, Venmo is now aware of it and refusing to do anything to assist, they are blocking my access to my account so that I can not take actions to prevent this from occurring, and ignoring requests for assistance from the customer despite what is clearly a security issue.
Product: Credit reporting or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of accounts that do not belong to me or were opened without my permission. 
U S DEPT OF EDXXXX ( Original Creditor : XXXX  XXXX  ) XXXX Balance : {$1700.00} U S DEPT OF EDXXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX {$1700.00} U S DEPT OF EDXXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance XXXX {$3000.00} According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

This company does not have a contract with me. This is not a valid debt. NO CONTRACT. This is a violation of HIPAA as well as the Fair Credit Reporting Act.     After viewing a copy of my credit report, I noticed a collection account placed on my credit report from Credit Bureau  Systems Inc.      Additionally, I am allowed under the Health Insurance Portability and Accountability Act (  HIPAA )  to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that th e HIPAA d oes allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.     Please provide breakdown of fees including any collection costs and medical charges.   Provide a copy of my signature with the provider of service to release my medical information to you.   Cease any credit bureau reporting until the debt has been validated by me.     Credit Bureau  System Inc need s to send this information to me for review, accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be  HIPAA com pliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.     Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.     Dates :  XXXX  amount {$170.00}  XXXX / XXXX /  XXXX   amount {$860.00}  XXXX / XXXX /  XXXX   amount {$130.00}  XXXX / XXXX /  XXXX   amount {$130.00}
Product: Credit reporting or other personal consumer reports

I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX DATA BREACH. PLEASE REFER TO THE EQUIFAX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security Number : SS # XXXX Date of Birth : XX/XX/year> Current Address : XXXX XXXX XXXX XXXX Florida XXXX XXXX. I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.