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 USC 1681. 

Account Name : 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 has violated my rights. Or list of inquiries 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: Debt collection

I just received a XXXX XXXX that a negative collection was added to my credit files with credit agencies. I did not receive any indication about this alleged debt, no notice, rights to dispute, etc. I have no clue what this debt is.
Product: Debt collection

MIDLAND CREDIT MANAGEMEN XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX Account : XXXX RE : Debt Validation Request I am writing to you in response to a collection notice I received from you on ( date letter received ). 

Please be advised that this is not a refusal to pay, but a notice sent under the Fair Debt Collection Practices Act, 15 US Code 1692g, that debt validation is requested. 

Please provide me with the following information : Documentation that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. 
Please provide me with the original creditor 's name and any supporting documentation. 
A signature on an agreement stating that I have agreed to assume the debt. 
A copy of the debt agreement, including the principal, interest, and any additional fees charged. 
Complete payment history and accounting of all additional charges being assessed Please provide proof that you are licensed to collect in WI along with your license numbers and Registered Agent or Agent of Service. 

If your office fails to reply to this debt validation letter within 30 days of receiving it, all instances related to this account if any exist must be immediately deleted and removed from my credit file. Moreover, all future attempts to collect on the said debt must cease. 

I request that all future communications with me be in writing and sent to the address noted in this letter. I will no longer accept telecommunication. 

If you fail to comply with my request, I will consider that as a waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. Take any action that could be detrimental to my credit reports during this validation period. I will consult with my legal counsel regarding the suit against you. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated. 

Best Regards, XXXX XXXX
Product: Checking or savings account

Good afternoon So today I found out that my courtesy pay was taken away because I didnt meet the requirement of making XXXX or more from the previous month when I did which I have screenshots of. On XX/XX/XXXX when I called and ask the representative if I have courtesy pay she said yes but I had noticed it said in my my portal my courtesy pay was taken away because my address was not updated because of UPS. But I had got a new card send to my address on XX/XX/XXXX. Then On XX/XX/XXXX I had withdraw XXXX from my checking account and when I checked my app I noticed again it said The checking account you selected does not qualify for Alliants Courtesy Pay protection program because you have not had deposits totaling at least {$600.00} in the previous 30 days, I made a deposit of {$1800.00} on XX/XX/XXXX. Another one of {$580.00} on XX/XX/XXXX and another one of {$600.00} on XX/XX/XXXX. When I had called in and spoke to a supervisor she told me that my courtesy pay was token away because my account was in the negative for 2 weeks and I told her nowhere in the requirement does it says that or in the disclosure. The requirement for courtesy pay on the website and in my banking app states : Courtesy Pay is a non-contractual service offered and provided to Alliant members who : Are in good standing Have an Alliant checking account that has been open for at least six months and Have qualifying deposits totaling at least {$600.00} into their Alliant checking account in the previous 30 days. Qualifying deposits include direct deposit, payroll deposit, check deposit, ATM deposit, wire transfers or transfer from another financial institution There is no cost when an overdraft transaction is paid by Alliant. When Courtesy Pay is used, the full amount of the overdraft balance will be due immediately, but in no event more than 30 days after the date of the occurrence. Repeated NSF items may result in revocation of this benefit.

Please let us know if you need further assistance. 

Thank you, XXXX But in my app it doesnt says my courtesy pay was revoke because of repeated NSF or in their disclosure when opening a checking account. What does repeated means. As a meme we we should know how many times or days our account can be in a negative before our courtesy pay is taken away. Also we should get an email or text message when our account goes in the negative and get a warning that the next time your courtesy pay will be taken away. This is not included in their disclosure or on their website.
Product: Money transfer, virtual currency, or money service

I was defrauded by unknown persons operating through the XXXX XXXX XXXX platform XXXX, which solicited me to invest a substantial amount of money. All payments were made in way of crypto-transactions to wallets nominated as beneficiary wallets by the representatives of the XXXX XXXX XXXX. Some transfers were made through my wallet hosted by www.crypto.com. I consider the beneficiary wallets to be an integral part of the fraudulent scheme behind XXXX. Based upon the understanding that www.crypto.com is acting compliant and will provide the due care towards its own wallet-holders, my legal representatives from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX relevant request for provision of information to XXXX XXXX XXXX XXXX Crypto.com XXXX to our letter of demand and refused to provide us with the requested information. They pointed out that they would not reimburse me for my losses. By so doing, www.crypto.com does not refer to specific legal grounds, which justify their decision not to provide the required information. In my opinion, the lack of response from www.crypto.com represents a clear example of the mistreatment of my consumer rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my information to open accounts & call to inquire about stuff Please also check my account for inaccuracy & delete any account reporting inaccurate immediately do to tha fair credit act I am trying to better mylife with my credit.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment regarding the inaccurate and incomplete credit information that you have reported about me. Your failure to uphold reasonable procedures to ensure the highest possible accuracy in the credit reports you distribute has caused me considerable distress. 

I insist that the following information be promptly investigated and removed from my credit profile. Furthermore, I demand that you provide evidence of this alleged item, specifically the contract, note, or any other document bearing my signature. Should you fail to provide such proof, the item must be expunged from the report without delay : XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

My personal identifying information was used to obtain goods, services, or money without my knowledge or authorization. I did not obtain any goods, service, or money from the transactions. I have attached a copy of those items to an individual letter which I will mail to you. I am also sending a copy of this filing to each credit reporting agency. Thank you so much for your prompt attention to this matter.
Product: Mortgage

I applied for a reverse mortgage with Reverse Mortgage Funding, LLC on XX/XX/2021. My loan advisor, XXXX XXXX, informed me it would take approximately 30-45 days to process. I got my counseling certificate on XX/XX/XXXX. For the next several months the loan process dragged on. The company finally requested an appraisal in XXXX but rejected it because " we don't want it '' is what XXXX XXXX told me. They then requested another on in XXXX. That appraisal was submitted by a certified accredited appraiser, that Reverse Mortgage Funding chose. The loan continued to drag on. XXXX XXXX assured me every month that the loan would close that month which it never did. She told me again it would definitely close in XXXX which it did not. In XXXX she contacted me to say that my loan was approved but Underwriting had changed the value of my home, downgrading the appraisal. I had so many red flags on this company, this was just another one. I decided not to sign the papers for their downgraded value ( which I understand from speaking to a real estate attorney is not legal ). Then I contacted them via mail and asked what their mediation/in house resolution process is. I never heard back from them. I filed a report with the XXXX  asking that the company contact me. They have not. After 5 months, it is still unresolved. I would like to get my reverse mortgage based on the appraisal. I am XXXX years old and have never been treated so insensitively and disrespectfully by a company.
Product: Credit reporting or other personal consumer reports

In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required XXXX notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.
Product: Checking or savings account

On XX/XX/2024 I observed my account was locked. Over the past 12 months, my account was repeatedly attacked with fraud attempts. I found myself going into the local branches in my home town, so many times I loss count. I finally asked the banker, XXXX XXXX, was this an inside job? He never gave me a direct answer. I found myself in tears, trying to figure out why my account was being targeted. On XX/XX/2024 after receiving a XXXX deposit from my ex-husband for spousal support, my accountwas locked and Truist refused to give me my money. I became enraged and slammed the phone down when a lady from the escalation department tried to flip the truth and tell me that they had found wire fraud on my account. My ex husband has been sending me lump sums of money for over a year trying to make up for the {$750000.00} he owes me in back spousal support. The lady refused to hear me, when I said XXXX, I need my money, I must get my XXXX medicine. Truist tried to close my account before I retrieved all the evidence I need to support my statement, but they could not. I have it. They are accusing me of fraud, which is character defamation and slander. They have allowed money to be stolen out of my account numerous times, and to cover their actions, they are trying frame me for fraud. I have the evidence needed to expose their actions, please contact me, I will assure you get it.

I am not the only one Truist has treated like this. This is a pattern with them. Read this article : XXXX XXXX XXXXXXXX also check out this XXXX page : XXXX XXXX XXXXXXXX
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Bankruptcy XXXX XXXX XXXX # XXXX, Bankruptcy : XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX bankruptcy XXXX TransUnion However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$7900.00} To Whom It May Concern : I am writing in reference to the collection account reported on my credit file associated with the account number mentioned above. This account is negatively impacting my credit profile, and I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to request validation of this debt and to demand that you cease all communication with me regarding this matter. Pursuant to 15 U.S.C. 1692g, I request that you provide the following information to validate this debt : 1. The name and address of the original creditor.

2. A copy of the signed agreement or contract that allegedly obligates me to pay this debt.

3. A complete account history, including all charges, payments, and credits applied to the alleged debt.

4. Documentation showing that you have the legal right to collect on this debt.

Until this information is provided, I demand that this collection account be removed from my credit report as reporting inaccurate or unverifiable information violates 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( a ). Additionally, under 15 U.S.C. 1692c ( c ), you are hereby notified to cease and desist all communication with me regarding this matter. Any further attempts to contact me will be considered a violation of federal law. 

I expect written confirmation that this collection account has been removed from my credit report and that you have ceased all collection efforts. 

Thank you for your prompt attention to this matter. 

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

My name is XXXX XXXX. I pulled my credit report last XX/XX/2021 and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX  XXXX XXXX ( LAST REPORTED XX/XX/year> ) Account Name : XXXX  XXXX XXXX ( LAST REPORTED XX/XX/year> ) Account Name : XXXX  XXXX XXXX ( LAST REPORTED XX/XX/year> ) Account Name : XXXX  XXXX XXXX ( LAST REPORTED XX/XX/year> )
Product: Mortgage

My husband and I owned a single family home. He died last XX/XX/XXXX. This house was on XXXX XXXX XXXX in XXXX NC was put on the market, sold and closed on XX/XX/XXXX. " Dovenmuehle '' was the lender, account # XXXX. The mortgage was due at the beginning of the month so the time between XX/XX/XXXX and XX/XX/XXXXshould have been prorated and the remainder paid to me. I never received a check so I started calling to find out why I hadn't. 
I called and spoke at length to " XXXX # XXXX who said that a check had been sent to XXXX XXXX   instead of my home at XXXX XXXX XXXX, XXXX NC. ( why would they send a check to the address of the home I sold? ). XXXX said she'd put in a request to reissue the check and send it to me at XXXX XXXX XXXX 
The check never came. 
I called on XX/XX/XXXX and spoke with " XXXX '' who said I needed to send them a death  certificate before they could issue the refund. I sent it in. No check. 
I called on XX/XX/XXXX and was told I would have to fill out a form formally to change my address. I completed it and sent it back to them. 
I called on XX/XX/XXXXand spoke with " XXXX. '' She said they would have to check with the credit bureau to remove my deceased  husband from the account before they could issue me a check ( why this didn't apply in XXXX when they sent a check to the old address, I don't know ) I called on XX/XX/XXXX and spoke with " XXXX ''. I asked to speak to a supervisor. I was transferred to " XXXX '' ( XXXX ) who told me that the information wouldn't go out to the credit bureau until the end of XXXX. 
Still no check. So I called back on XX/XX/XXXXand spoke with " XXXX '' ( XXXX ). She said she saw all the records about my calls and that " it should have been taken care of. '' Apologies, apologies. She said she had put in a request for a check to be cut and sent to me. Told be I should receive it in 7-10 working days. 
You guessed it. 
Still no check. 
Mortgage company : Dovenmuehle XXXX XXXX XXXX, XXXX XXXX, Ok XXXX. ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS CONCERNS MY FINANCIAL LIVELIHOOD, AS EXPERIAN, XXXX, AND XXXX ARE OUT OF COMPLIANCE WITH THE FEDERAL CARES ACT. 

IT IS EVIDENT FROM MY CREDIT HISTORY THAT I PAY ALL MY OBLIGATIONS ON TIME. SUDDENLY, IN THE MONTH OF XXXX, DEFAULT BEGAN DUE TO ILLNESS WITH XXXX. PLEASE SEE PROOF OF POSITIVE ILLNESS ATTACHED. UNFORTUNATELY, MY RECOVERY TOOK MONTHS, LEAVING ME OUT OF WORK FROM XX/XX/XXXX XX/XX/XXXX. 

THE CARES ACT, WHICH WAS SIGNED INTO LAW ON XX/XX/XXXX, XXXX AMENDS THE FAIR CREDIT REPORTING ACT ( FCRA ) TO STOP ADVERSE CREDIT REPORTING DURING THE XXXX CRISIS, ( SEE 15 U.S.C. 1681S-2 ( A ) ( 1 ) ( F ). 
RATHER THAN WORKING WITH ME AND COMPLYING WITH THE RECENT FEDERAL LAW WHICH SPECIFICALLY SATES, THE FURNISHER MUST REPORT YOUR ACCOUNT AS CURRENT TO THE CREDIT REPORTING AGENCIES, SO LONG AS YOU WEREN'T ALREADY DELINQUENT ON PAYMENTS RADICAL AND HARSH DELINQUENT REPORTING BEGAN. SABOTAGING MY HARD WORK AND FINANCIAL STANDING IN THE BANKING/FINANCIAL COMMUNITY.

I WOULD LIKE FOR ALL NEGATIVE MONTHS CURRENTLY REFLECTED ON MY CREDIT REPORT BY THIS INSTITUTION TO BE CORRECTED TO EACH OF THE THREE CREDIT REPORTING AGENCIES. EVERY NEGATIVE MONTH REPORTED SHOULD REFLECT * ( NO DATA ) * OR * ( ND ) * FOR EACH MONTH A PAYMENT UNDER THE CARES FCRA WAS UNACCOUNTED FOR, DUE TO JOB LOSS FROM MY BATTLE WITH XXXX WHICH NEARLY TOOK MY LIFE. 

I AM BACK IN THE GAME AND I AM ATTEMPTING TO REMEDY THE SITUATION AS I AM IN GOOD HEALTH AND NOW HAVE A STABLE EMPLOYMENT. DURING THE GLOBAL PANDEMIC, LIFE WAS UNCERTAIN, BUT I CAN NOW RETURN TO PREDICTABILITY AND FULFILLMENT OF MY OBLIGATIONS TO EACH FURNISHER/CREDITOR.
Product: Debt collection

On XX/XX/2022, I received a bill from American Coradius International, a collection agency, for {$29.00} that they claim I owe XXXX. My XXXX account balance is {$0.00}. I never bought anything using XXXX for that amount of money. I contacted XXXX and they told me to ignore the letter because I do not owe XXXX any money. The bill includes a XXXX account number, but XXXX does not use account numbers. You log into XXXX using your email address, so it's obviously a bogus bill. I read of other people on the XXXX forum who received similar bills. Can't American Coradius International be forbidden by law from sending out bogus bills?
Product: Debt collection

American Express, calling relatives repeatedly, calling ex employers, calling current employer repeatedly after being told to stop
Product: Credit card or prepaid card

i made 2 purchased from XXXX  each totaling XXXX.XXXX  charged my Amex card twice.My card showed charges of XXXX each and then one charge of XXXX which totals my original purchased.I contact both XXXX   and Amex and explained the issue.XXXX tells me that theres no hold and AMEX should fix the account issue.Amex refuses to address the issue and credit me the XXXX that has disappeared.I contacted them and they refused to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has created a password to have access to my credit report. This is on Karma credit. The user is XXXX. This not my user name and I am unable to correct or change anything. Also someone has given access to a lender to hit my credit report.
Product: Mortgage

My situation is as follow. 

I had a mortgage loan with XXXX XXXX, this bank was closed for the federal government, my mortgage passed to XXXX XXXX in XXXX after that Rushmore servicing took my loan. 

In one occasion I sent to them a CK for the amount of XXXX to pay in full all my debit because during their process they no want receive payments. 

Pass the time and I no pay the loan but they give me the opportunity of buy my home for second time and give me until XX/XX/XXXX to buy, but Rushmore and XXXX XXXX  was working together to make a foreclosure no matter told me yes you can buy. In that start the Covid situation that stoped all process. No matter that in XX/XX/XXXX I received a note in my home of a young man that bought in a foreclosure my home with me and my things inside. Now I have to take my things and exit from my home because they want me out. This process was illegal for many circumstances. I never receive a letter or any legal note of when and where was the forclosure all took me by surprise. This affect me two times because I work from home and now stop my incomes, no home, no nothing and the government here with the money of the people in bank and no give us any help Is incredible this situation because I don't know what I'm going to make because need a lot of money to make my movement too but can't work or produce because have the new owner calling because have hurry. 

Any one can help neor give me any legal orientation