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

In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 XXXX XXXX acct : # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) acct : # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) acct : # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) acct : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) acct : # XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) acct : # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) acct : # XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) acct : XXXX , XXXX acct : # XXXX, XXXX acct : # XXXX, XXXX XXXX  XXXX acct : # XXXX, XXXX acct : # XXXX, Personal information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AR, XXXX XXXX XXXX XX/XX/XXXX Charge-off Dispute for Account XXXX I am writing to formally dispute the charge-off status of my account, XXXX Carmax AUTO finance, which is currently listed on my credit report. I believe this entry is inaccurate and would like to request a thorough investigation into this matter. Details of the Account : - Account Holder Name : XXXX - Account XXXX - Creditor Name : Carmax Auto Finance Date of Charge-off : XX/XX/XXXX- I request that you verify the accuracy of this charge-off with the creditor. If you find that the information is inaccurate, I ask that you correct or remove this entry from my credit report as required under the Fair Credit Reporting Act. Please find attached copies of relevant documents, including [ list any documents, such as payment records, correspondence, etc. ], to support my dispute. I appreciate your prompt attention to this matter and look forward to your response within the 30-day investigation period as stipulated by the Fair Credit Reporting Act. Thank you for your assistance. Sincerely,
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$7100.00} DPT EDXXXX XXXX Balance Owed : {$0.00}
Product: Mortgage

I have been working with Bayview since XXXX in regards to mortgage assistance. I have submitted all the documents, whenever we call in to get an update we are transferred to the point of contact, we have left several messages and he never returns any of our calls. We have set up appointments with him, to which he still never calls. I tried to call in to see if any one else can help me or to be transferred to his manager, but again I am transferred to his voicemail. How is one supposed to get any information or find out the status if my point of contact is not doing his job properly? Bayview is making this situation far worse and forcing me with no options. They now closed my application stating they are missing documents but will not tell me what documents are missing. They are making it more difficult to communicate and do what I am supposed to be doing when they are refusing to help me or return my calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete a reinvestigation within 30 days however equifax states my account was verified as accurate however if you look at the letter they sent me in the mail its not 100 % percent accurate look at the misspelling of my name therefore the proper investigation wasnt done correctly & i demand that XXXX XXXX XXXX  be deleted from my account along with the 22 hard inquiries in which Ive disputed also. Equifax is not following the FCRA rules its illegal and wrong. There stopping me from establishing positive credit
Product: Mortgage

I have been trying to get a refund from my escrow account since XX/XX/19 for reimbursement for my homeowner 's insurance premium paid by me on XX/XX/19. Despite repeated letters with all documentation necessary to process my refund, including but not limited to, the homeowners insurance declarations sheet and paid receipt, all I have received are " non-letters '' from Mr. Cooper stating they have received my request and will respond on some future promised date which passes with no consequence. The CFPB just forwards the same letters I have sent Mr. Cooper previously and I just receive another non-letter with another future date, but no resolution and again no consequence. It has been almost four months since I first contacted my mortgage company who is illegally holding my escrow monies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate the effort done by the Credit Bureaus to remove some of the disputed accounts from my Credit report, but I still have remaining accounts that should also be removed under the provisions of the FCRA section 605b. The remaining accounts were also resulted due to identity theft and must be removed accordingly. I previously sent a letter addressed to the Credit Bureaus last XX/XX/2022 with complete attachments of my personal information as well as the ID THEFT REPORT I received from the FTC. I have read that the Credit Bureaus are required to remove any account and information that resulted due to identity theft within 4 business days after the day of receipt. I am submitting this complaint to remind the Credit Reporting Agencies of their responsibility to remove the disputed accounts under the FCRA section 605b. I need the following accounts removed as soon as possible : XXXX XXXX XXXX Balance : - XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX, XXXX. XXXX Balance : - XXXX XXXX  XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX Balance : - Bankruptcy XXXX  XXXX Reference # : XXXX. If the Credit Bureaus insists that the Credit Bureaus that the disputed accounts belong to me, I need the Credit Bureaus to provide me copies of documents bearing my signature to support the Credit Bureaus Claims. Under the FCRA section 605b, I need the disputed accounts removed from my Credit report.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A cell phone account opened at XXXX on XX/XX/XXXX Account number ( XXXX ) a credit card account opened at XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX Account number ( XXXX ). The following INQUIRIES ARE UNAUTHORIZED XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting you this CFPB complaint to request to you to remove the fraudulent accounts and information you report on my Credit File. I beilive I am a victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and Information listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AR, XXXX XXXX XXXX XXXX, XXXX, AR, XXXX XXXX XXXX, XXXX, AR, XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX, XXXX XXXX XXXX, AR, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AR, XXXX XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$180.00} Inquiries Included in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 the identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

There was a fraudulent credit card account opened without my knowledge at Regions Bank in 2018. I asked Regions to investigate and delete the account but they started the investigation and stopped even after I contacted them to let them know that I didn't open the account in 2018.
Product: Money transfer, virtual currency, or money service

I tried to call the person that scammed me to get my money back but of course he disappeared, so I called my bank and explained that I was scammed and asked if they could help but they said because it was through XXXX, they were unable to do anything. So I called XXXX and they said since it was through my bank that I had to call them. I called them again to try and resolve this issue and they continued to say they could not help me. I lost {$740.00} to a scammer and they say they can not help me.
Product: Money transfer, virtual currency, or money service

I am writing to formally lodge a complaint against PNC Bank regarding the lack of transparency in disclosing exchange rates for an international money transfer I conducted. Despite my attempts to resolve this matter directly with PNC, I have not received a satisfactory response, prompting me to escalate this issue for further investigation. 

On XX/XX/year>, I initiated an international wire transfer with PNC Bank via their telephone wire transfer service, initially requesting to send the funds in USD. During the call, I was informed that I had the option to send the funds in the recipients local currency, which I opted to do. However, after the transaction was finalized and a confirmation number was issued, I was only then informed of the exchange rate applied. PNCs rate of 3.54 AED to 1 USD was significantly lower than the prevailing market rate of 3.67 AED to 1 USD at the time. This discrepancy resulted in an additional markup of $ XXXX amount I could have avoided had the exchange rate been disclosed prior to completing the transaction. 

PNCs failure to provide this information in advance prevented me from making an informed decision. I believe this practice violates consumer protection regulations, specifically those set forth by the Consumer Financial Protection Bureau ( CFPB ), which require financial institutions to disclose key transaction details, including exchange rates, before finalizing an international money transfer. 

PNC has refused to refund the undisclosed markup, asserting that it was not a separately charged fee. However, this does not negate the fact that the rate applied was significantly unfavorable and was not transparently communicated unfavorable and was not transparently communicated before the transaction was processed. As a result, I am requesting the CFPBs intervention to ensure that PNC is held accountable for its lack of disclosure and to seek a refund of the unjustified markup imposed on my transaction. 

I would appreciate a thorough review of this matter and guidance on the next steps.
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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX BALANCED {$4500.00} XXXX XXXX BALANCED {$8500.00} XXXX XXXX  XXXX BALANCED {$0.00} XXXXXXXX XXXX XXXXXXXX BALANCED {$7200.00} XXXX XXXX BALANCED {$910.00} XXXX XXXXXXXX BALANCED {$310.00} XXXX XXXX BALANCED {$3400.00} XXXX XXXX BALANCED {$2700.00}
Product: Checking or savings account

On XX/XX/XXXX, I deposited XXXX USD into the company 's ATM. The ATM took my money away, but the money isn't showing up or going into my bank checking account and no receipt was printed. The screen on the ATM displayed the word " To be sure your deposit went through call us at XXXX '' I filed a document with the company, but after the investigation, they said the transactions were normal. However, I am sure the ATM took my money away and there are witnesses. I called the company for further information but they said that the camera on ATM didn't see me putting the money inside the machine and this videotape is their property so I couldn't request to see it.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 USC 1681 Section 602 A, states I have the right to privacy 15 USC 1681 Section 604 A Section XXXX states a consumer reporting agency can not furnish an account without my written permission
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the inquiry because I noticed it was on my credit report and I did not authorize this inquiry. To dispute this inquiry, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the inquiry was listed, in an envelope sent to the creditor of the inquiry and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the inquiry, and thus the inquiry must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this inquiry on my credit report because the inquiry was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this inquiry from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The information for this inquiry listed on my credit report is : CREDITOR : SYNCB/LOWE 'S XXXX XXXX XXXX DATE XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason I am writing to you is to inform you that This Company is not Adhering to Credit reporting laws in my Case. I sent my identity theft dispute to this company on XXXX. With my dispute, I attached all the relevant documentation to prove to them that I am A VICTIM OF IDENTITY THEFT. I know the law give this company around 4 to 5 days to completely block all fraudulent information from my report but until now, this company is still showing those fraudulent accounts. 
For yet another time, my personal information was compromised and as a result, fraudulent charges were included on my accounts without my consent or authorization. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my accounts. 

Below are the fraudulent charged accounts that I need to be removed Asap : XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$6700.00} XXXX XXXX Opened Date XX/XX/XXXX, Balance {$65.00} I am attaching Required Documentation to prove that I am a victim ; 1. The letter I sent to this company as my dispute 2. My FTC report
Product: Checking or savings account

I had been looking for a new bank and wanted to give SunTrust a try. 

XX/XX/XXXX - I opened a Personal Checkings and a Business Checkings account online. 

XX/XX/XXXX - I went into a branch to deposit {$100.00} into each account. I was paranoid because I got an email from SunTrust saying my accounts would be closed if I did not deposit money within 5 Business days. I also signed my signature cards. 

XX/XX/XXXX - I got a missed call from the Fraud department of SunTrust and they left no message. I called back and the CSR says there's a note for me to go into a branch for additional verification. I go into a branch later that day and the teller tells me both my accounts are " closed due to rules and regulations. '' XX/XX/XXXX - I phoned SunTrust to try to get more information. They can not tell me anything about why my accounts were closed. They also stated it would be 10-15 business days to return my deposits after the account gets fully closed. They offered no indication of when the accounts would be fully closed. So who knows when I'll get my money back.
Product: Debt collection

Threatened to sue me without summons, clear violation of fdcpa, I called and they immediately try to ask about me paying meaning they havent sued meaning they threatened me without summons, from a debt which is over a couple years old
Product: Debt collection

I have been receiving phone calls from Midland Funding LLC/Midland Credit Management almost daily since XXXX. The first call occurred on XX/XX/XXXX at XXXX XXXX from the number XXXX ( XXXX ) XXXX, which called again on XX/XX/XXXX. Over the past two months, the other numbers potentially belonging to this company ( or being spoofed by it ) that have called me include : XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX All of these numbers leave messages that are either empty air, no one speaking but background noise that sounds like an office, or static and one person saying " XXXX '' then hanging up. There is never any information about who is calling, why they are calling, or how I can get in contact. My name is also not XXXX, and I have not co-signed on any loans or other financial agreements for anyone named XXXX. My credit history shows no sign of tampering or fraud and I know exactly who I owe money to and why, and Midland does not own any of my debt ( I've never gone into default or bankruptcy and carry a small debt load ). 

In XX/XX/XXXX I started getting text messages for someone named XXXX XXXX from what seemed to be payday loan companies. Those texts continued through this XX/XX/XXXX, and I logged each of them with my phone company ( XXXX ) as spam. The texts did not come from identifiable phone numbers. 

I've blocked the numbers listed above, but before I did so I attempted to call back and speak with a representative of the company to let them know they had the wrong person 's number. The phone calls dropped immediately and I wasn't able to contact anyone. 

Midland seems to be rotating through numbers in order to get around any blocks. The same number will call every other day for a week or so to leave messages for XXXX, then a new number will call leaving the same messages.
Product: Debt collection

Midland Credit Management is sharing my nonpublic personal information with non affiliated third parties XXXX, XXXX XXXX XXXX. Midland Credit Management, does not have my consent to have and share my private personal information. They are violating my right to privacy as a consumer, reporting inaccurate, false, damaging information to the consumer reporting agencies. They are in violation of multiple federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has illegally reported a total count of XXXX late payments on my consumer report which is a violation of 15 USC 6802 for reporting transaction history aka nonpublic personal information.
Product: Debt collection

This company reported a debt on my credit report that does not belong to me. I have never heard of these people before. Company has tons of complaint of bogus accounts and illegal tactics.