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

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE CRIMINAL COMPLAINT TO FEDERAL AGENCY I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

Subject : Formal Consumer Dispute Regarding TRANSWORLD SYSTEMS INC. 

To Whom It May Concern, I am writing to formally dispute the reporting of a debt collection by TRANSWORLD SYSTEMS INC. on my consumer credit report. This dispute is based on violations of my rights under the following federal laws : 1. 12 CFR 1006.34 ( b ) ( 5 ) : The collection agency has not provided the required validation information for the alleged debt. Despite this failure, they have furnished and continue to report this account to consumer reporting agencies. This is a clear violation of the law.

2. 12 CFR 1006.34 ( c ) ( 4 ) : I have not been given an opportunity to dispute this account. The agencys failure to provide proper notice has deprived me of my right to dispute the validity of the alleged debt before it was reported.

3. False, Misleading, or Deceptive Practices : The agency has engaged in practices that are false, misleading, and deceptive in their handling and reporting of this account. Such behavior violates the Fair Debt Collection Practices Act ( FDCPA ).

4. 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) : The agency has no authority to report this account to any consumer reporting agency without first providing all disclosures required by law. By furnishing information without complying with these requirements, they are in direct violation of these regulations. 

Request for Immediate Action I am requesting the following actions to resolve this matter : 1. Immediate Deletion of this debt collection : Remove this account from my credit report as it was reported unlawfully.

2. Proof of Validation : If the agency believes the debt is valid, provide all validation information required under federal law.

3. Cessation of Reporting : Immediately stop reporting this account to consumer reporting agencies until all legal requirements have been fulfilled.

Timeline and Legal Remedy Please resolve this dispute within 14-21 days of receiving this letter. Failure to comply with these demands may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state regulatory agencies. Additionally, I reserve the right to seek statutory damages of {$1000.00} for these violations as provided under the FDCPA. 

Thank you for your prompt attention to this matter. I look forward to your written confirmation of the resolution. 

Sincerely, XXXX XXXX
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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven yea
rs.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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: Checking or savings account

I believe I am the victim of check fraud. Despite 4 attempts to reach out to PNC Bank and receive the money back to my account, they continue to use other excuses to avoid rectifying the situation. 

On XX/XX/XXXX, a check was debited to my account in the amount of {$1000.00}. I wasn't expecting to send any checks at this time, and the debit came as a shock. When I saw the date of the check ( XX/XX/XXXX ), I referenced my check book ( see document evidence ). I remembered the check had been lost, and so I had placed a stop payment request on the check ( see document evidence ). I wrote a new check for my XXXX rent that was successfully debited back in XXXX. 

The scan of the check does not show a signature on the back. The back of the check looks like the envelope I would have sent the check in ( see document evidence ).

I called my landlords to see if they had recently deposited this check. They seemed genuinely shocked, and said they haven't been using checks since renovating their properties. They also assumed that a check from XXXX would be too old to use. I had lived at XXXX of their residences from XXXX. 

The first call I made to PNC on XX/XX/XXXX, was to dispute the check payment. They said there was nothing they could do ; the check was technically legal tender. I would have had to place stop payment requests every 6 months for 7 years in order to be repaid for the check.

I placed a dispute on the check again when I received this reply. For this second attempt, PNC Bank replied that because of Regulation E, they could not review the disputes for a check because I use online services.

Then, I requested to escalate the dispute. On Monday, XX/XX/XXXX, PNC replied that my escalation was denied because I did not place a stop payment on the check every 6 months.

At my in-person meeting at the PNC Bank in XXXX on XX/XX/XXXX, I spoke to XXXX XXXX about my situation. He was unable to provide repayment for the fraudulent check.

PNC Bank has yet to acknowledge that the check is fraud, and I have not received repayment for the amount of the check ( {$1000.00} ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of. Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now :
Product: Checking or savings account

BMO mailed me a new card as part of their takeover of Bank of the West. My card was stolen in the mail. BMO allowed the thief to activate my card and subsequently use it multiple times before it detected fraud. It's concerning that BMO makes it easy for theives to activate a stolen card. I called BMO as soon as I received fraud alerts and they informed me that they could NOT assist me over the phone. I was told to go into a branch so they could " verify your identity. '' I'm the rightful owner of the account and I have to jump through more hoops to get access to my money than the thief had to. That is a problem and BMO must make changes to better protect consumers.
Product: Debt collection

To whom it may concern : I have not received any communications, but received an alert from my online credit monitoring that I had a negative item hit my report. I looked into this and it was from a JEFFERSON CAPITAL SYSTEM, and it referenced an original creditor of XXXX XXXX XXXX XXXX, and it appears that it says it was opened with JEFFERSON CAPITAL SYSTEM in XX/XX/XXXX per my monitoring credit report. I never opened any account with that original creditor nor received any response from this collection agency when I mailed a letter on XXXX, XXXX as I had limited information. I did not call because I hear the horror stories of collection agencies and not going to be abused for something to upset my XXXX XXXX. I have never had any accounts or balances near what is being on there, and I assume the XXXX reference is that online bill services. I have never used them.
Product: Debt collection

I received a notice from the ERC debt collection agency on behalf of XXXX XXXX on XX/XX/XXXX via mail. Enclosed was a statement for the amount of {$910.00} from the contract date XX/XX/XXXX, placement date with ERC on XX/XX/XXXX and date of delinquency XX/XX/XXXX. 
I contacted ERC immediately to dispute the claim and came to find out that this was for an address located in California. I have lived in Michigan my whole life and have never lived in California. I contacted my local police department to file a report, but was informed that I need to contact my social security office. I reached out to XXXX XXXX to dispute the claim and in order for XXXX to investigate a claim of Identity Theft, they require an incident report with the Federal Trade Commission.
Product: Prepaid card

Gift card received for XXXX last year from Amex XXXX American Express ) and have yet been able to use it. Can not get any assistance on line or via phone. Tried all of the suggested avenues to fix to no avail. It has been declined by every retailer, even after registering it, and attempting to use it online. It's very frustrating.
Product: Credit reporting or other personal consumer reports

Checkr is falsifying records and using false information to defame me as well as XXXX  loss of employment and pain and suffering due to claiming a traffic violation, which was reduced to a parking violation by the traffic court, is an open and pending misdemeanor. There is no misdemeanor on file nor is there any misdemeanor charge pending or past showing on any record from the state of Nevada or XXXX XXXX. Checkr is using a falsified filing to hinder me and attack me personally
Product: Checking or savings account

Capital One 's systems went down for over XXXX hours. My business checking account is not accessible. I can not see how much is in there, any transactions that occurred, nor move any money into there. 

I have bills I need to pay as a business. 

Capital One will not guarantee that they will pay any debits against my account. They intend to return them. This is unfair because they can not tell me how much is in there, what has already cleared, and will not allow me to put more money into the account. They only said they would look at any overdraft charges. 

They will not agree to pay the debits and let me cover them when they are back online. This impacts the reputation of my company if I can not pay my bills or if something bounces when it should not have. 

My request was reasonable and they will not confirm anything that they will or wont do. They do not have anyone I can talk to after XXXX EST on Friday XXXX XXXX XXXX  and the next XXXX days they are closed. SO if they don't resolve the issue tonight, I'm going XXXX days without access to my funds, because I can no longer use my debit card for anything or write any checks. Good thing it's not payroll today, but I have bills that need to be paid.
Product: Checking or savings account

I opened a BMO Harris Smart Advantage Account on XXXX XXXX. There was an offer that I would receive a {$200.00} bonus if the new account received two qualifying direct deposits of at least {$300.00} or more within 90 days of account opening, and once that happened I would receive the bonus within 120 days. The deposits were made successfully in XXXX. When I called in XXXX to ask where my bonus was, they stated I had to wait at least 120 days. When I logged on to my account on XXXX XXXX to check if my bonus had posted, my account had been closed by BMO Harris. When I called and asked why, they stated my account had been dormant for 45 days and  that they closed. When I showed them that in the account disclosures a dormant account is classified as 3 years of inactivity, they said they could close my account at any time for any reason. I spoke with XXXX and XXXX XXXX in their call center. I find it extremely fraudulent for a bank to ensure you that you 'll receive your bonus in 120 days from account opening, and then close your account days shy of passing that boundry. Especially after calling and confirming that the bonus terms were met. I 've attached copies of my online statements showing the deposits were made, and when they closed my account. I also included the terms of the account that outline an account can be closed for dormancy reasons after 3 years.
Product: Bank account or service

My account was restrained. After it was released I withdrew my money from the account and asked the Bank of America to close it. This was in XXXX 2016. They did not. Since then they have been charging me a {$5.00} maintenance fee on the account every month. I have asked them to close the account repeatedly, but they refused. I even paid the maintenance fees even though I think I do not owe them, since they told me that was why they could not close the account. But even after that they did not close it. My account agreement says they must process any requests relating to my account within a reasonable amount of time. They should have closed my account by the end of XXXX 2016. I should not have been charged any maintenance fees. They have sent me a new debit card even though I said I wanted to close the account.
Product: Money transfer, virtual currency, or money service

Received auto email notification from PNC bank - Reported wire transfer of {$100000.00} + Cash withdrawal of {$100.00}, {$400.00}, {$500.00} New DEBIT Card request in person at local PNC-XXXX XXXX XXXXXXXXFL branch ( looks like ) end four-digit xxx XXXX ( as per auto generated email notification - do know full number ) in person at PNC-XXXX  XXXX XXXX - FL. - Also, as per local PNC branch/banker while looking at account activity someone also added new phone number XXXX ( unknown number ) by log in to same account on XXXX XXXX at XXXX PM. - its more than 3 weeks and I do not see our wire transfer $ $ back into our account. 
- As of fraud activities I talk to several bank officer in person and over the phone. and PNC bank admit that their office did not follow their own guidelines and pass wire transfer request without identifying right person. 
-I file complain at ETF online. I also file complain at local police dept., and I am very impressed with their help including their detective officer help. 
- As of today, I am kind of lost and do not know what i should do next?
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple accounts on my report that do not belong to me
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Incorrect Reporting of XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau , I am writing to file a complaint against XXXX regarding the inaccurate reporting of account # XXXX on my credit report. The account is currently listed as " Charged Off, '' which is incorrect and negatively impacting my credit score. 

According to the account information, the account was opened on XX/XX/XXXX, and closed. While the status is listed as " Charge-off '' with a status date of XX/XX/XXXX, the payment history does not reflect any activity that would lead to a legitimate charge-off. Specifically : Lack of Delinquency : The payment history shows only two instances of being 30 days late, in XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX. There is no evidence of the extended period of delinquency ( typically 120-180 days ) required before an account is charged off. 

No Consistent Late Payments : Outside of those two months, the payment history indicates the account was generally paid on time. 

I contend that the " Charged Off '' status is inaccurate and unsubstantiated by the account 's payment history. I request that the CFPB investigate this matter and compel XXXX to : Provide documentation to support the " Charged Off '' status, including dates of delinquency and the date the charge-off was applied. 

Correct the inaccurate reporting on my credit report by removing the " Charged Off '' status. 

I have attached a copy of my account statement as evidence to support my claim. 

Thank you for your time and attention to this matter. I look forward to your prompt resolution of this complaint.
Product: Money transfer, virtual currency, or money service

I've been a customer of Coinbase.com for about 1 year. On XX/XX/XXXX our bank sent them a wire transfer of {$200000.00} USD. IMAD # : XXXX XXXX On XX/XX/XXXX Coinbase sent us an email which read " You recently sent a wire to fund your Coinbase or XXXX   account for {$200000.00}. Unfortunately, we are not able to apply this wire to your account due to a name mismatch and will be returning this wire back to your bank. Please allow us 7 business days for processing ... '' see attached We sent them an email on XX/XX/XXXX and all we received was a robot response. see attached Today XX/XX/XXXX I went online to see if there were others having this problem with Coinbase and yes there were many. According to the others the best way to resolve their issue with Coinbase was with the CFPB.
Product: Debt collection

They called initially and were rude and abusive saying they were trying to reach XXXX XXXX I said I do not know him and they had the wrong number, was told I was lying. Now they are calling repeatedly saying they need to urgently speak with this man I do not know, never lived with, not related to, and most certainly not responsible for in any way shape or form.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All filled inquiries on my Equifax report without my permission
Product: Mortgage

Hello I lost my job in XXXX and I fell behind in my mortgage payments. I was out of work for almost 2 years before I was able to find a job once I did they paid me less than half of what I was use to making therefore I could n't save to reinstate my loan. IN XXXX of XXXX I was thankfully rehired at my old job that laid me off. I applied for NJ hardest fund back in XXXX of XXXX they sent me a denial letter in XXXX XXXX XXXX stating they denied me due to my loan being due for XXXX and they only help with XXXX never did anyone reach out to me to see if I had the difference it was at that time I called and I had to appeal they did not review my appeal until XXXX XXXX now since all that time passed more money late fees, attorney fees got added up the roof I was able to save about XXXX to put with the difference but its still not enough. so now I may loose my house and I came this far the mortgage company is not willing to work with me and they are not following the state of NJ guidelines that the program only assist with XXXX. Please help as I do not want to loose my home I worked so hard for it and I will have no where to go with my family.
Product: Credit reporting or other personal consumer reports

Transunion refuses to abide by 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i! They are purposely leaving erroneous inquiries on my credit report and called me a liar. Its easy to tell someone else what youre not going to do when a bad credit file doesnt impact them- the burden of proof was on me, I sent the info and it needs to be deleted - NOW. 

Their duty to provide maximum- accurate credit reports and they seem to take pride doing the opposite.
Product: Credit reporting or other personal consumer reports

Re : Reinsertion Of previously deleted Inaccurate/invalidated items Im writing your agency because you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items were deleted and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly. I demand you to delete these items from my credit file or i will seek litigation. 
( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 
under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days and you must delete the item from my file immediately. 
Name of Account : Account Number : XXXX XXXX  XXXX Thank you for your time and help in this matter.