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

I went for a job at XXXX in XXXX XXXX, fl. I moved to the next level of the hiring process well as onsite walk around and was offered the position of XXXX XXXX, pay at XXXX an hour and the schedule i will be working. I accepted the offer and signed that i accepted it. The background check came after that by first advantage who conducted the background check. The first thing that popped up from the background check post that i was on The XXXX XXXX for XXXX Offenders. My best friend who was with me at the time type in on her phone to see it again and it was gone. Then it was questions asking me what age was I and what age was the victim. Their has never been a victim and i have never ever been on any type of XXXX or XXXX offenders registry ever before. The it had my charges of the same at least XXXX time When my petty theft is XXXX which still said i was eligible my felony it stated decisional. My roommate charges are wat worse than mine and she gets hired for a different position but same company and i dont. The address on my report state i lived at XXXX different places which is not true. It also had me living in Florida and Virginia at the same time. I never used the last name Easterly ever in my life. I never ever spelled my name XXXX. I have never used or post my son social security number for anything only but for school registry. I have never ever XXXX XXXX use social security number to order, buy, purchase of get a loan in my name for anything. The social security number ending in XXXX i do not know who that belongs too. An Experian account was mase in my name XXXX XXXX XXXX who made herself co applicant and all the things i listed wrong from my background check is all the same stuff thats on this Experian account she put in my name. Their are also some other accounts on this Experian account that do not brlong to me as well like the XXXX XXXX and XXXX XXXX account about a sprint phone that definitely do not belong to me The XXXX offenders report or me being put on that XXXX go all the way back to XXXX of 2019 as being looked at in that type of manner through First Advantage and Lexis Nexis Done by my ex XXXX XXXX and her male companion of a different culture. She had this done to me and First advantage is using this in the wrong manner along with XXXX. I have retain legal consultant for this because now i can not even sit outside my house where as cars are stopping.people i do not know are getting on their phone telling others what i am wearing and my location. I feel i am being caused great harm or someone is going to do something to me because what they did. This has hindered me in retaining employment and how to live. I am taking this matter all the way to the top because you have allowed XXXX XXXX to put false information on me and now i fear my life is in danger
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. 

Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : ( Original Creditor : XXXX XXXX XXXX ) : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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: Checking or savings account

Two banks, TRUIST and XXXX XXXX XXXX allowed withdrawals exceeding {$120000.00} from my accounts!
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened an advanced checking account on XX/XX/2018, and deposited {$10000.00} on XX/XX/2018 in order to meet the new account sign on bonus, it has been half a year since I deposited the money but I havent received any bonus which is {$350.00}, I contacted customer services a couple times, every time they said I am eligible for the bonus but they never send the honus to me, this bank is not reliable!
Product: Checking or savings account

On XX/XX/22 I received a notice on my phone that an unauthorized person was trying to access my banking account and that it was temporarily locked. Upon reaching out to my bank to sort the matter, my bank called Ally Bank had frozen my account due to what they alleged was a fraudulent XXXX deposit of {$200.00}, from nearly 4 months ago. I don't about you, but I make online purchases and returns everyday. I do not have time to look through all my transactions with a fine comb to determine fraud. Now they have frozen my account because they alleged someone illegally sent me {$200.00} to my account through publicly used app called XXXX which I was not aware of. First off, I have no control on who sends me money especially through a public service such as XXXX. 2nd they claim they will have to freeze my account for up to 30 days. I did not do any wrong or illegal so how it is I am being penalize for something I did not do? Please make it make sense to me.
Product: Credit reporting or other personal consumer reports

Another complaint marked as duplicate when each complaint has its own merit AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law
Product: Credit reporting, credit repair services, or other personal consumer reports

There's accounts on my report that I'm requesting to be blocked and/ or removed due to the simple fact that the contracts with these companies has been cancelled, therefore there's NO CONTRACT, inwhich I'm obligated to, nor is the accounts rightfully mines. In accordance with the FCRA laws, the creditor and/ or reporting agencies shall provide the consumer with certified physical documentation of such accounts. Please remove the following accounts if you can not provide documentation. XXXX XXXX XXXX, XX/XX/XXXX, {$11000.00}, ... XXXX, XX/XX/XXXX, {$730.00}, ... .XXXX  XXXX , XX/XX/XXXX, {$0.00}, ... .XXXX  XXXX , XX/XX/XXXX, {$17000.00}
Product: Credit card

In XXXX XXXX  retaliation for me having filed multiple previous complaints to the CFPB, Goldman Sachs went XXXX  and froze an almost $ XXXX payment I made for two weeks just to XXXX XXXX and let me know that it is in fact Goldman Sachs who owns the government because all they have to do is XXXX the right people. Anybody of XXXX or XXXX XXXX is considered XXXX and apparently our money takes two whole weeks to clear because they think its XXXX XXXX XXXX XXXX XXXX XXXX. Even though Goldman Sachs admitted in writing I never bounced a payment or had a late payment ever, the customer service supervisor perpetuated that XXXX XXXXXXXX XXXX  that I had done anything wrong with my account. The only people that Goldman Sachs honors the money for are for those who are XXXX only.
Product: Debt collection

CFPB + Midland Credit Management To whom it may concern, On a recent check of my credit reports I see there is a collection/charge off account from Midland Credit saying I owe a debt of {$10000.00} that I do not recognize. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract authorizing a third party like yourself to collect on this debt. 

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am requesting that you cease and desist from all collection activity pertaining to this account. 

You are only to contact me via the Consumer Financial Protection Bureau ( CFPB ) website - so we have documented proof. 

I am allowing you a period of 30 days or less to produce this information. If youre unable to validate the account, then you must remove the collection account from the credit reporting agencies. 

Enclosed with this CFPB complaint are : My drivers license that shows identity + mailing address This letter
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, On XX/XX/XXXX, I visited XXXX XXXX  located at XXXX XXXX XXXX XXXX, XXXX XXXX, IN XXXX to make a purchase. During this transaction, a hard credit inquiry was conducted without my clear knowledge, consent, or proper authorization. 

What is especially troubling is that I have evidence my signature was forged via XXXX in order to falsely authorize this inquiry. This is a serious matternot only unethical, but potentially fraudulent, implicating both XXXX XXXX and Wells Fargo. I can provide the relevant documentation upon request to support my claim. 

It is clear that someone within the organization forged this document and used it to initiate a hard credit pull for with Wells Fargo. Had I known this would occur, I would have opted to pay in cash. I was never given a fair opportunity to make that choice. 

As such, I am formally requesting the immediate removal of this unauthorized hard inquiry from my credit report. Additionally, I will be returning the XXXX XXXX Wells Fargo credit card, as I no longer wish to maintain any business relationship with either company once this issue is resolved and my purchase is finalized. 

I do not understand the delay in Wells Fargo addressing this matter. I hope to get a timely response and resolution. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Debt collection

Vehicle was under insurance at the car lot who provided their own insurance services which were paid for every two weeks. Vehicle was wrecked in a storm and deemed totaled. Auto company overpriced the vehicle by over XXXX of value. When I asked for insurance documentation on what their insurance company paid them or covered vehicle for they refused. Instead they put auto loan on my credit for almost XXXX grand and marked it as bad debt.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Product: Mortgage

( XXXX ) CFPB : This complaint is against Arc Home LLC ( they also call themselves XXXX ), the handlers of my mortgage ( loan # XXXX ). One of their addresses : XXXX  XXXX, XXXX. XXXX XXXX, XXXX XXXXXXXX, Virginia, XXXX. One of their phone numbers : XXXX. 
Their website XXXX XXXX XXXX XXXX XXXX XXXX I haven't contacted Arc Home regarding this complaint because they NEVER responded to any of my inquiries. 

I recently sent Arc Home two messages ( using their own website ) explaining that my bank ( XXXX XXXXXXXX XXXX ) was going to send them a payment on my behalf of {$32000.00}, consisting of my usual monthly mortgage payment of {$2600.00} for the month of XXXX, plus an additional {$30.00} to be applied toward my principal. 
Arc Home acknowledged receiving that payment on XXXX, but they applied the payment as follows : a. {$2600.00} as the XX/XX/XXXX regular monthly payment ; b. {$2600.00} as the XX/XX/XXXX ( advance ) monthly payment ; c. {$27000.00} to be applied toward my principal as of XXXX. 
It appears to me that Arc Home chose to use most of my {$30000.00} for their own purpose essentially interest free for nearly two months. By essentially interest free I mean that sometime in XX/XX/XXXX I may find that they paid me something like 0.1 % for my {$30000.00} that they are holding from XXXX to mostly XXXX vs. the 2.75 % that I continue to pay to Arc Home for that money.

The attachment shows Arc Home 's handling of my payment, as I described above. 

I realize that the dollar value of my complaint isn't much. But I'm doing all I can to get out of this XXXX yoke of a mortgage, and Arc Home 's actions, and the prospect that they will continue to thwart my efforts is more than I voluntarily accept. 

I believe it's right that the {$30000.00} be applied to reduce my principal as of XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This has to do with an old complaint, a while back i wrote you are in regards to an account on my credit file, that was caused by identity theft/fraud. this account was remove from my file and then re-inserted and re-aged over and over again. I sent in a police report and it was deleted from my account, then the credit bureaus put them back on my file, so i went and file another identity theft police report in regards to the same account, it was deleted then again re-inserted and re-aged again, due to the fact, another collection agency purchase this same account. how can the credit bureaus keep allowing this same type of action over and over again, without putting a block on this fraudulent account. this should be considered a scam from both the credit bureaus as well as the collection agencies working together with each other. This surely goes against the FCRA Laws and by laws. it seems the credit bureaus do not care about the consumers rights, only making money with the collection agencies. This account has been deleted from my file about 12 times and re-inserted and re-aged.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against XXXX for Erroneous Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Phone : XXXX XXXX, XXXX Consumer Financial Protection Bureau To Whom It May Concern, I am writing to lodge a formal complaint against XXXX, a XXXX loan servicing company, for an error in reporting my payment history to credit bureaus, which has unjustly damaged my credit score and financial standing. This complaint details an issue that occurred around XXXX and has continued to adversely affect my credit history to this date. 

In XXXX, I was in communication with XXXX to arrange for a deferment or an alternative payment plan for my student loans, as my existing deferment period was nearing its end. After diligently ensuring that all necessary steps were taken to secure the deferment, I was dismayed to discover approximately a month later that my credit score had plummeted by over XXXX points. Upon investigating the cause, I learned that XXXX had reported a missed payment to the credit bureaus. This was not just a single report ; because my debt was fragmented into over XXXX separate accounts, it appeared as though I had missed XXXX payments concurrently. 

I immediately contacted XXXX to address this discrepancy, as I had not missed any payments and had taken all the appropriate steps to ensure my account was in deferment. Despite acknowledging their error, XXXX refused to rectify the misinformation reported to the credit bureaus. This erroneous reporting has persisted in affecting my credit score negatively, despite my efforts to resolve this issue and maintain a punctual payment record post-consolidation of my loans. 

The impact of this error on my credit history is profound and unjust, considering that the fault lies entirely with XXXX 's mishandling of my account information. It is crucial for my financial wellbeing that this error be corrected, and the erroneous late payment reports be removed from my credit history. 

Therefore, I respectfully request the Consumer Financial Protection Bureau to intervene on my behalf and investigate this matter. I seek the removal of the incorrect late payment entries from my credit report and any other necessary corrections to ensure that my credit history accurately reflects my payment record. 

I am prepared to provide any further information or documentation as needed to assist in the resolution of this complaint. Thank you for your attention to this matter and for your assistance in rectifying this significant issue. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Had money garnish from my bank account by Midland Funding LLC. Was not informed of this action until my wife got a judgement letter. I was never notified, or was even told what the debt was about. I called midland to dispute this action and to find out what the debt was for. They infor.ed me that it was for a XXXX XXXX Credit card, from XXXX. I I formed them that I never had a credit card with XXXX. Even now, I only have a XXXX XXXX account, and the XXXX XXXX. I have is under my wife 's name, a d I am only a authorized user. I was then infor.ed that midland got thebdebt in XXXX, and is now taking action. XXXX  years later, which goes against california law. I was told by XXXX, the account manager from midland that I have obligation to show this debt is not mine. I asked how to do that, if I have no knowledge of this debt. She then gave me the web address for the FTC to do this report. The original debt was for around {$1900.00} and is now {$2000.00}, plus the XXXX dollars my bank charged me for legal fees. I do know that my identity was stollen in the past and someone tried to or rented a house under my name and social security number in a state back east. At that time I did put a credit freeze for a year on my social security number with the XXXX credit beuroes. As a XXXX veteran the only gets money from my XXXX XXXX  this is putting an extreme undue financial hardship on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Best Buy Credit services have been actively doing inquiries on my credit report on the dates listed below. The card is not active, they closed it in XX/XX/XXXX. Please stop making inquires to my credit report.

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX I ordered 120 checks from Bank of America delivered to my address. The tracking information indicated that the checks were delivered to my address on XX/XX/XXXX. The checks never came. On XX/XX/XXXX, I contacted Bank of America to void the checks. The representative declined, stating that they could only issue a 12-month stop payment on the checks, after which they could be used by anyone who had access to them. I would then be able to issue another 12-month stop  payment ( assuming that I remembered in a year that I had these checks floating in the ether through no fault of my own ) for a {$30.00} fee ( again for a problem that occurred through no fault of my own ). I said that I wanted the checks voided. They declined. I asked for the situation to be escalated to someone higher up. The representative declined, and instead offered that I could also close the account and reopen a new one -- which would mean that I 'd have to reprogram any automatic payments associated with the account and routing numbers. This is preposterous, because it is common sense that banks should have a way to void checks they failed to deliver to paying customers.
Product: Mortgage

Hello, we have been in a fighting battle with our bank/ servicer Nationstar Mortgage ( who now changed their name to XXXX XXXX ) for a very long time I mean very long time. We have been trying for a loan mod. couple years now and recently its getting worse and worse and the bank keep pressuring and not providing the loan mod. that is being applied for. So our servicer now is XXXX XXXX and we have sent them many times a request for mortgage assistance forms packet with all documents. Recently we mailed in a signed copy of the request for mortgage assistance and all required documentation to be reviewed for a loan modification. XXXX XXXX has all documents mailed which they received and are in review. 
If XXXX XXXX proceeds to sell my home while having a complete request for loan modification review packet then they will be in violation of multiple laws including but not limited to my California Home Owner Bill of Rights Act XXXX XXXX has still placed my home on a foreclosure sale set for XXXX-2017 and has not CANCELLED the foreclosure sales until the review and loan modification and the process has been approved and agreed upon.
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. 


Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.