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

This is my second complaint being filed with the CFPB. A fraudulent business bank account was opened using my information back in XXXX according to XXXX and the information on that account is now being merged with my personal account which was closed back in XXXX. The time frames of the account does not match so it cant possibly be correct. This is a violation of the FCRA and the Gramm Leach Bliley Act. I spoke with several people over the phone and filed claims, but they refuse to help me or send me any confirmation that I can take to XXXX to clear my name with this issue. ( They also can not find the claim even though they gave me a claim number which means they didnt even care to file the claim. ) The supervisors are all rude and incompetent, no one knows what to do or even who to transfer me to. I constantly get transferred XXXX or 4 times per phone call back and forth to the same departments and no one tries to help me. They all tell me to call XXXX, and when i do XXXX  refers me back to bank of america since they are furnishing the information. They refuse to give me any requested information and try to rush me off the phone when i try to call them, they also ignore all of my written letters. Bank of America has opened dozens of fraudulent accounts in the past and is currently being investigated by the CFPB for similar issues as this.
Product: Debt collection

I, XXXX XXXX, do not recall having XXXX, and have not heard of or from Radius Global. I have never received any written or verbal communication regarding the {$600.00} debt being reporting to the credit bureaus. It is my understanding that Creditors and/or Collection Agencies are required under the Fair Debt Collection Practices Act to send a " dunning letter '' verifying the debt. No such letter was ever received at a verifiable/accurate address. I am requesting immediate removal of this inaccurate data from my credit report with XXXX, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX violated my rights. 

15 U.S.C 1681 Section 602 A. States I 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, credit repair services, or other personal consumer reports

XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am entitled to a fair and accurate credit report under the Fair Credit Reporting Act ( FCRA ). However, it is disheartening to note that only XXXX of the fraudulent accounts has been deleted, leaving the others intact and continuing to wreak havoc on my creditworthiness. The incomplete resolution of this dispute is a direct violation of my rights as a consumer. It is evident that there has been a failure in the investigation, as all the disputed accounts are relatively fraudulent in nature. 
XXXX XXXX XXXX- PLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXX XXXX XXXX- PLEASE DELETE!!! XXXX have already removed this account from their records. 
Please provide a detailed explanation of the investigation process, including the criteria used to determine the deletion of XXXX account while others remain unresolved. Transparency in this matter is of utmost importance, and I anticipate your full cooperation in rectifying these discrepancies.
Product: Debt collection

I have no knowledge of this debt. As well, this collection agency is not licensed to collect debt in the state of Illinois. To be a debt furnisher in Illinois, you must obtain a collection agency license and comply with the Fair Credit Reporting Act ( FCRA ). 

As per : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXo collection agency shall operate in this State, directly or indirectly engage in the business of collecting debt, solicit debt claims for others, have a sales office, a client, or solicit a client in this State, exercise the right to collect, or receive payment for another of any debt, without obtaining a license under this Act except that no collection agency shall be required to be licensed if the agency 's activities in this State are limited to collecting debts from debtors located in this State by means of interstate communication, including telephone, mail, or facsimile transmission, electronic mail, or any other Internet communication from the agency 's location in another state provided they are licensed in that state and these same privileges are permitted in that licensed state to agencies licensed in Illinois. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unlicensed practice ; violation ; civil penalty. 
( a ) Any person who practices, offers to practice, attempts to practice, or holds oneself out to practice as a collection agency without being licensed under this Act shall, in addition to any other penalty provided by law, pay a civil penalty to the Department in an amount not to exceed {$10000.00} for each offense as determined by the Department. The civil penalty shall be assessed by the Department after a hearing is held in accordance with the provisions set forth in this Act regarding the provision of a hearing for the discipline of a licensee.

( b ) The Department has the authority and power to investigate any and all unlicensed activity. In addition to taking any other action provided under this Act, whenever the Department has reason to believe a person has violated any provision of subsection ( a ) of this Section, the Department may issue a rule to show cause why an order to cease and desist should not be entered against that person. The rule shall clearly set forth the grounds relied upon by the Department and shall provide a period of 7 days from the date of the rule to file an answer to the satisfaction of the Department. Failure to answer to the satisfaction of the Department shall provide the Department authority to issue an order to cease and desist immediately. 

Per the XXXX XXXX access database and hXXXX XXXX XXXX FirstPoint Collection Resources is not licensed in Illinois. This is a gross violation of my consumer rights. I want this account deleted/blocked from my credit report immediately. This has hindered my ability to obtain credit and lease/mortgage.
Product: Debt collection

I have been contacted multiple times over the last nine months by Exeter Finance Corp of XXXX Texas about a debt I do not owe to them. They have me confused with a person with a similar name. I have been in contact with them on five occasions and each time they assure me they have solved the problem and I will no longer be contacted. I have filed XXXX complaints and have XXXX emails from this company indicating that their harassment of me will stop and can provide them if desired.
Product: Money transfers

i have account in money network.i used website totalpay to transfer my money with this card on polish account.Ii was XXXX XXXX : XX/XX/2016 XXXX EST.Funds transferred will be available to the recipient by Thursday, XXXX ; funds may be available sooner and i still dont have my money.I called on this number ( XXXX ) 4 day ago and they told me that this issue will be solve in 3 days, but i still dont have a my money.I must come back to my country and first i must take my money with cash machine because in my country i cant make it.please help me
Product: Credit reporting or other personal consumer reports

I am the author of this complaint. I have attached my dispute letter and forms of ID to this complaint for the purpose of verifying myself. 

I checked my credit report and noticed some inaccurate and fraudulent accounts reporting. 

XXXX XXXX XXXX. DEPT OF ED/XXXX XXXX XXXX XXXX XXXX These accounts are in violation of 15 USC 1681s-2b. I demand that a reasonable investigation is made and that these accounts be removed immediately
Product: Credit reporting or other personal consumer reports

This morning, I found unauthorized inquiries on my credit report and don't understand why. I usually check my credit report, but today, discrepancies appeared unexpectedly. Even after refreshing my browser, the unauthorized inquiries remained. I urge you to thoroughly check the documents I've provided to resolve this issue and prevent future concerns.
Product: Vehicle loan or lease

First of all let me start by saying I tried to return the vehicle within the 3-day period allotted by law. I started having problems with the truck almost immediately after leaving the lot. I spoke with the owner and was told to bring it several days later which subsequently left me with no recourse of the 3-day rule. The finance department did not fully disclose finance charges. Subsequently the truck continued to have problems with failure of dealership to fix the problems. It had warranty left on it but was never utilized because the dealership always found a problem that was not covered by warranty. I reached out to Credit Acceptance numerous times and told them the situation. They never once seemed concerned about the condition of the truck I was paying for. I put {$30000.00} down on this truck and finance XXXX. Now please understand I made the decision not to pay for the truck because I had problems since day one and eventually quit running because no one would take responsibility in repairing the issues which I complain about numerous times to the dealership and to the financial company. So now my truck has been repossessed it's placed me in a financial hardship. I honestly blame it on the dealership which would be XXXX XXXX XXXX XXXX because I tried to turn it back in by the third day and was denied from the dealership. Owner 's name is XXXX XXXX in XXXXXXXX XXXX. The company is XXXX XXXX XXXX XXXX. I'm sure I will not get any resolutions by following this complaint I just don't want someone else to fall pray to this egregious act from the dealership. Thank you for your time XXXX bless.
Product: Checking or savings account

Once again, venmo allowed me to have my account back.But once again, suspended it this time for no reason
Product: Credit card or prepaid card

XX/XX/XXXX - I called Bank of America to ask questions about my balance transfer offer. The rep. transferred me to an account manager ( XXXX ) in FL. XXXX told me of another promo on my account, which was a direct deposit to my checking acct. with 0 % APR, 3 % transaction fee, and a longer period of time before I would have to do it and it was good until XX/XX/XXXX. This offer gave me longer before I needed to do it and a longer period of time before it had to be paid back in full. 
XX/XX/XXXX - I called back and spoke with XXXX and she verified that she could see the offer in my account. 
XX/XX/XXXX - I called to accept the offer and XXXX told me she saw the offer, but was unable to do the transaction and had to send me to another department to have them do it. When I got to XXXX, she said that was not an offer on my account. I asked for a manager, but I was denied one. She told me that her manager would be back in on Tuesday and that I would receive a call, but I did not. 
XX/XX/XXXX - I called back and spoke with XXXX and he couldn't find the offer. I asked for a manager, but was denied. 
XX/XX/XXXX - I called a local Bank of America in XXXX, IL and spoke with XXXX. She said she would have a manager call me, but a rep called instead. I asked for a manager, but was again denied. 
XX/XX/XXXX - I asked XXXX to have XXXX XXXX, her manager call me, but he did not do so. 
XX/XX/XXXX - I spoke with XXXX. He said the offer was not there. When I asked for a manager, I was denied AGAIN!!!!!!!!! 
XX/XX/XXXX - I received a call from XXXX XXXX, XXXX 's manager. She indicated that she had listened to the call from XX/XX/XXXX between the acct. manager, XXXX, and myself. She said that I was indeed correct in what I said that he told me. She did say that he said it was good until XX/XX/XXXX, not XX/XX/XXXX. She then said that he only forgot to tell me one thing and that was that the offer was ONLY good for the day I called!!! WHAT?!?!?! I asked more than one time, knowing full well that I would not get him when I called in to accept the offer, plus the fact that I could not see the offer because it was simply a promo in their system, how to describe the offer to the rep I talked to. He said to just describe the terms of the direct deposit deal and they would find it with no problem in my account. So, the manager listened to the call, agreed that he did say what I told her he said, AND she did acknowledge that he forgot to tell me the most important detail of all - that it was only good for that day on that call!!!! When I told her to make it right, she said she could not!?!?!?!?! The Bank of America employ made the mistake, NOT me!!! In addition, I have now passed up the balance transfer offer on my new account on purpose, as the direct deposit was a better deal. In addition, it would have allowed me to help my nephew whose son has XXXX  XXXX XXXX. Why was I told about this offer if it was not an option. Bank of America made the mistake and they need to make it right.
Product: Credit reporting

I have request validation of this account many time and never received it Under FDCPA Section 809. Validation of debts [ 15 USC 1692g ] from XXXX XXXX and have notified Trans Union of XXXX XXXX noncompliance I do n't know who this account belong to. This is how Trans Union report this account. I ask that this account be deleted from my credit report
Product: Mortgage

My mortgage is with BBT, I have property tax and insurance escrowed. My loan is {$170000.00}, my monthly escrow is {$370.00}, my appraisal is {$230000.00} and assessment is {$2300.00} due in XXXX each yr. My escrow balance was {$4000.00} and my account has never been late.I signed up for online banking 2 weeks ago and saw BBT debited my escrow for {$16.00} to pay my property taxes. Now this is not a new loan, the bank has a file with my property description, value, name on tax ticket, and of course the correct amount due because I pay escrow & they do a Escrow Analysis each year. I checked with the XXXX XXXX Tax assessor web site and saw my taxes were delinquent and a 21 % penalty.This is a huge problem because property gets sold and then you have to go thru a 3rd party to buy it back. I was so shocked because I know Banks have strict rules that govern paying escrow payments on time and accurately. After multiple phone calls and BBT employees telling me the bank will pay and I would not be responsible for the penalty, I sent faxes and finally a legal " Notice of Error '' to document my written request. My taxes were finally paid after 2 weeks but BBT also charged my escrow for the {$550.00} penalty.My position is that Red Flags should have been raised when they issued a {$16.00} check to pay my taxes. Where are the safe guards, common sense and professionalism in paying {$16.00} in taxes on a large mortgage? They are blaming me because they paid the wrong tax ticket. They paid a ticket on XXXX acres unimproved hillside property, valued at {$1600.00} in SOMEONE ELSES NAME. I have nothing to do with the tax assessor office, I do n't know my tax # unless I look it up. The bank does however have my file and all info. Because they paid the wrong ticket, they are charging my account for the penalty. The Bank has an agreement with me that we both signed to pay my taxes on time, and I do n't see any ifs, ands or buts in the agreement. All they had to do was be proactive, check the tax web sight & they could have avoided this disaster.
Product: Checking or savings account

I received XXXX XXXX XXXX Check No. XXXX in Amount of {$57.00}. On XX/XX/2021 I wrote to both Citibank ( my depository bank ) and XXXX concerning the fact that this check, although deposited to my Citibank account on XX/XX/2021 as described below has not been credited to my account. Although I have been a customer of Citibank for more than 40 years I did not receive the curtesy of a response from Citibank. I did however receive a response from XXXX. Their response was that the check was collected by Citibank. Citibank wrongfully withdrew these funds from my account, wrong charged me a {$12.00} return check fee and in spite of repeated attempts to receive credit for these funds I have been totally ignored by Citibank. 

Initially I attempted a remote deposit of this check to my Citibank checking account ending in XXXX. The check appeared to have been processed. However, it then was removed from my account. I contacted Citibank and was given a provisional credit. I received a further notification from Citibank that the provisional credit was being removed and that if I had physical possession of the check I should deposit it in a branch to my account, which I did. The check, a copy or what now passes for the original check was returned to Citibank and from them to me marked Refer to XXXX. I had attached a copy of the returned check to my XX/XX/2021 letter. To add insult to injury I was charged a {$12.00} return check fee. 

Since I was unable to either resolve this issue and be credited with the amount of the check ( {$57.00} ) or recover the {$12.00} return check fee I wrote to both Citibank and XXXX. XXXX responded by a copy of their paid check which clearly shows that Citibank acted wrongfully. Citibanks reference was to Lost Deposit to Citibank Account Ending XXXX Citibank # XXXX. What I do know is that if Citibank, with all of its computing power can not find my government check for {$57.00} and credit it to me with the improperly charged {$12.00} return check fee, how many other " little guys '' have been treated in the same fashion. 

I expect that this matter will be resolved to my satisfaction by the end of this year.
Product: Debt collection

I had some medical service performed several months ago. I see on my insurer 's web site that the insurance company has paid their portion of the bill. I have been waiting for a bill enumerating the service performed and what I owe. Instead I have received a notice from a collection agency that my payment is overdue. When attempting to call the collection agency to explain, they do not answer the telephone. This collection agency is Transworld Systems located in XXXX, PA.
Product: Debt collection

LVNV Funding LLC Amount : {$620.00} OpenedXXXX ( LVNV FUNDING LLC ) is attempting to collect a debt from I and threaten to sue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : XXXXXXXX XXXX XXXX : Account number : XXXX XXXX XXXX XXXX : Account number : XXXX XXXX XXXX XXXX : Account number : XXXX XXXX XXXX XXXX XXXX : Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting wrongly information I have told them over and over again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any remaining records. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

According to XXXX XXXX, this debt collection is fraudulent by selling debt that was not signed with the wet ink blue signature of the consumer. According to all the consumer laws this is fraudulent and soliciting false fraudulent debt practices that was bought cheaply to acquire debt.
Product: Mortgage

On or about XX/XX/XXXX a company called XXXX XXXX XXXX has posted a document on my front door which claims to have recorded a document ( attached ) called a NOTICE OF TRUSTEE 'S SALE, hiding its real address and information, without any signature, in violation of TILA and the FDCPA, having the alleged recorded document mailed to another company called XXXX XXXX, at XXXX XXXX XXXX, in XXXX, CA XXXX, when I have in fact, appealed the decision of the Bankruptcy Court and it is presently pending before the Bankruptcy Appellate Panel ( BAP ) in Appeal number : XXXX, against the order to lift the automatic stay. This all stems from the fact that the previous lender called XXXX failed to properly apply my post-petition payments made starting in XX/XX/XXXX, to the loan when it was transferred to the present servicer Caliber Home Loans, in or about XX/XX/XXXX. In fact, we have received payment and running balance statements showing that in XX/XX/XXXX there were still late charges in my account for the amount of ( - {$830.00} ) and increased to ( - {$1200.00} ) under Late Charges on XX/XX/XXXX, when the loan was released, and which should have never existed. Also, we must add that a recent letter from Caliber dated XX/XX/XXXX admits that there was a suspense balance of {$2100.00} in XX/XX/XXXX which should have been posted to the post-petition payments and not pre-petition payments of XXXX XXXX, XX/XX/XXXX. These payments, along with those made during XX/XX/XXXXwere misapplied and Caliber again has misrepresented in the attached letter that I am due for " twelve ( 12 ) post-petition payments totalling {$19.00}, XXXX. Please see their third ( 3rd )  amended payment history attached to the letter dated XX/XX/XXXX.