23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX I have been trying to communicate with Experian, XXXX and XXXX XXXX XXXX regarding : - XXXX ( account XXXX ) - contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX ( Amount : {$9500.00} ) and - XXXX XXXX XXXX ( account number : XXXX ) - contact information XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ) XXXX ( Amount : {$4500.00} ) Please note that I will be attaching the following copies of the letters to this complaint ( blocked off my information as indicated ). Including certified mail receipt ( XXXX ) ( *only for XXXX USE ONLY ). My first initial communication was on XX/XX/XXXX than onto XX/XX/XXXX and lastly again on XX/XX/XXXX. However, I kept getting stall letters, 'projected completion ' notations as attached, which is unlawful because nothing provided with answers. Today it is XX/XX/XXXX and I still have not received any proper communication or resolution which calls for me to follow through with this case in a much more serious matter. 


XX/XX/XXXX ( XXXX ) - I got this notice regarding my complain, " The company needs authorization from you to proceed with your complaint. We reviewed the complaint you submitted and sent it to the company for a response. The company has let us know that it needs authorization from you to proceed. '' Contacted XXXX  XX/XX/XXXX at XXXX. The representative mention that my account, personal information, or email is associated with a credit repair or either XXXX other accounts. 

Now, I am very highly concerned because who else has my information and I told her do not close my case because this is I, XXXX XXXX, but XXXX  said they couldn't do anything else. 

XXXX said I had to call Experian to give them authorization. I had immediately called them right after XX/XX/XXXX XXXX. 

Experian mentioned they have put my account on fraud alert and I told them I've been having my account on freeze which I did not mind the extra protection. Experian stated to go on XXXX to file a fraud report and I did, but it get redirected to this website. Lastly, I stated clearly to the fraud department that I give XXXX authorization and Experian to resolve this ongoing issue. 

At this point I am getting dragged from XXXX place to the other. It is very frustrating because I have personally tried to do whatever in my power to resolve this matter on my own and I keep getting cut off by unlawful resolution. 

I will attach all the evidence and paper trail to this complain. I have already consulted with an attorney. My XXXX  mentioned to attached all of my XXXX XXXX. Because Experian is just obstructing from doing their job correctly and following United States of America laws. 

XXXX - I would not be doing this report for no reason. I need a valid response. It has been more than XXXX years and communicating again this year. Yet- no valid proof or response. This time I am going to lawfully protect myself and do what is necessary and if needs I will vs. et all to those that are not taking my case in full affect and finding resolution.
Product: Checking or savings account

Over XXXX were withdrawal from my bank account, on XX/XX/2022 by a wire transfer I did call at the same moment I got the phone notification, but I was on the phone for over XXXX minutes before someone was able to see my account, their only action is asking me to change my username and password and wait 10 days the 10 days went through yesterday today ( XX/XX/2022 ) I called them and they said the transition was done from me and not returning my money this is unbelievable an hurting my financial in big manners.
Product: Checking or savings account

I am the victim of identity theft. My TD Bank ATM/Debit card was stolen and used for unauthorized transactions on XX/XX/XXXX. I did not authorize any debit or ATM transactions on this date, and I did not authorize anyone else to use my ATM/Debit card in any way. This was a new ATM/Debit card that never arrived to my address. 

I wrote a letter as a follow up to my initial call to TD Bank Customer Service on XX/XX/XXXX, where I reported the card as stolen and disputed the unauthorized transactions over the phone within 48 hours of those transactions. 

I also placed follow up calls to TD Bank Customer Service on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to check on the investigation and inquire about the provisional credit, which pursuant to the Electronic Fund Transfer Act should have been credited to my account within 10 business days of my oral notice on XX/XX/XXXX, and is still yet to be credited. 

Pursuant to the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of my stolen ATM/Debit Card and unauthorized transactions. See especially 12 C.F.R. 205.6, 205.11. I requested that they investigate any unauthorized transactions involving this card, including but not limited to the following : XX/XX/XXXX DEBIT CARD XXXX DDA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY - {$10.00} XX/XX/XXXX ATM DDA WITHDRAW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY - {$640.00} XX/XX/XXXX POS DDA PURCHASE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY - {$500.00} XX/XX/XXXX POS DDA PURCHASE XXXX XXXX XXXX STORE XXXX XXXX XXXX XXXX NY - {$500.00} XX/XX/XXXX ATM DDA WITHDRAW XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX {$750.00} TD Bank is in violation of the Electronic Fund Transfer Act which requires the provisional credit post to my account within 10 business days of my dispute. 

TD Bank requested that I file a police report, I did so on XX/XX/XXXX and also filed an Identity Theft report with the FTC. TD Bank is denying my dispute based on the debit card being activated by someone with the last 4 digits of my social security number. However, I never received the debit card, I never authorized anyone to use the debit card, I never activated the debit card. I followed all of TD Bank 's guidelines and suggestions for reporting the unauthorized use of my account, and also followed all FTC, EFTA, and police guidelines for reporting the fraudulent use of my account and identity theft. 

Pursuant to the EFTA, I am appealing for TD Bank to restore funds totaling {$2400.00} that have been withdrawn from my account, to notify me in writing of the results of their investigation, and to please send me written confirmation that the funds have been restored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been applying for work for 30 days. I have been submitted for background checks and their submissions have all denied me work. 

I have a governors pardoned record and expungement. But the consumer reporting agency general information services in XXXX, sc has refused to correctly tell employers my actual n updated record. They have in fact given employers information inaccurate and past 7 years. 

I sent them twice a copy of my sc governors pardon and they have denied recieving it. 

My name is XXXX XXXX. Not XXXX XXXX XXXX.
Product: Payday loan, title loan, or personal loan

On XX/XX/2021, I received a congratulations email upon submission consumer credit application for a consumer loan. The letter specified as a result of obtaining consumer report that " your loan offer is approved '' upon meeting conditions of verification of identity and address and monthly income and expenses to determine if loan payment fits your budget according to color of custom lending guidelines in conflict with fair lending laws. 
I was told by representative XXXX that I would not be approved for requested {$20000.00} but the most I would qualify for is {$8800.00}. XXXX asked would I accept that amount, I agreed. XXXX invited me to come to location to provide identity documents and sign loan documents. Provided passport card, affidavit of identity and nationality card and 2 bank statements. Informed XXXX I was not in possession of social security Administration credit card due to confidentiality and privacy agreement in accordance to 31 CFR 1.32 and provided W2 instead. Arrived at location and was told that due to dual national status of banking relationship accounts and savings account they would have to verify whether deposit to account could be made and they would escalate it to superiors, despite my decline to direct deposit in preference to check. Company later denied consumer loan via e-mail despite advising that notice would be mailed. Received initial e-mail without reason alleging " percentage of revolving credit in use '' despite advertising use of loan to consolidate debt and preapproved notice upon receipt of consumer report. The adverse action in violation of 15 USC 1681m was provided without disclosing credit score, nor was adequate disclosure of required percent of credit use vs obtained from XXXX report. The acts of ONEMAIN were abusive in acts that are deceptive and misleading to discrimination my 12 CFR 226.2 ( 14 ) right to incur debt and defer payment of debt. the lender ONEMAIN has criminally deprived my right to credit under color of custom per 18 USC 242 as creditor in disregard of consumer protection laws 12 USC 5481.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I first filed a dispute with Experian regarding 2 bankruptcies reporting inaccurate information. It came back verified. Which is not true it is stating I filed in XXXX, NC and XXXX, NC which is incorrect as well as the date filed and dismissed. It also states that there is {$0.00} liability and {$0.00} claim which is also a reason it should not be listed on report. I also attached with the new law that passed XX/XX/2017 that they are also not complying with. I will like both bankruptcies removed from my credit file asap due to inaccurate information. Thank you
Product: Debt collection

I was contacted by Account Resolution Services [ referred now as : ARS ] about a delinquent Medical Bill supposed incurred from 'Paragon Contracting '. When I asked 'what Doctor ' or 'medical service ' that XXXX represented, the response on XX/XX/21 was only, XXXX Contracting '. The letter also reads : ( NOTICE : SEE REVERSE FOR MORE IMPORTANT INFORMATION ) however, the reverse is a blank page. 
The recent contact by XXXX requested I 'settle ' a non-existing, 5 year old bill, by asking me to pay them 1/2 the amount to 'settle '. They use the Credit Report Agencies to shake people down forcing us to pay or else have ruined credit. 

When investigating 'Paragon ', the XXXX shows over 120 complaints regarding their demand for payment of non-existing services. 
ABS, their 'Bill Collector ', has over 6,000 complaints with CFPB, alone! 

It seems apparent that these two work together to form a Medical scam and use ruined credit to extort monies from those vulnerable. 
How many complaints does CFPB need before action is taken?
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.

All ACCOUNTS BE REMOVED All INQUIRES BE REMOVED, this has VIOLATED MY RIGHTS. 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 States A Consumer Reporting Agency CAN NOT FURNISH AN ACCOUNT WITHOUT 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, other than adverse item of information, other than records of convictions and crimes which antedates the report by 7 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. 

A person shall not FURNISH information relating to a consumer to any consumer Reporting agency
Product: Credit reporting, credit repair services, or other personal consumer reports

Im not familiar with this credit card provider
Product: Credit reporting or other personal consumer reports

I never receive any notice of this bill the collection left a message on XXXX XXXX I call them back as how much to settle I was told XXXX and I said I do not get paid until Friday the XX/XX/XXXX and I call on that day and paid the settlement of XXXX so if they took my money on XXXX XXXX so after almost a year later on XXXX XXXX they reported this to all credit reports as a collection on XXXX XXXX I would like for this to be removed for reporting false information file number XXXX need to investigated
Product: Credit reporting or other personal consumer reports

Equifax is reporting a fraudulent account on my credit profile. I've asked Equifax to do a full investigation into these fraudulent accounts. I did not make the charge therefor I've asked Equifax to remove the account that is a violation of my right and harming my way of life because of the false information that Equifax is reporting
Product: Mortgage

Wells Fargo is refusing to cancel private mortgage insurance on our mortgage even though it has reached an LTV ratio of 78 %. Ive contacted the company numerous times, and on XX/XX/2020, they sent a letter acknowledging that we reached 78 % LTV, but refuses to automatically cancel PMI.
Product: Money transfer, virtual currency, or money service

I am writing to inform of my concern I have will XXXX handling dispute. Particularly with cpfd regarding lawsuit. Dispute the numerous time I have use XXXX all the time and for me to loose fund is not good especially with children.
Product: Debt collection

My landlord at XXXX XXXXXX/XX/XXXX at XXXX XXXX XXXXXX/XX/XXXXXXXX took me to court for nonpayment of rent but only sued for property with {$0.00} in back rent, they won the judgement but 3 days after I left they sent me to collections for {$21000.00} with no proof and not once did they send me anything saying or showing I owe them money. After a year they changed it to {$12000.00} and now theyre trying to settle for {$3000.00} even after I sent the collection agency my court documents showing property only with {$0.00} back rent. They completely messed up my credit and made me lose my money because this has made me not get approved for the apartments I tried to move to.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXXXXXX XXXX XXXX {$2400.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$7300.00} XX/XX/XXXX XXXX XXXX XXXX {$830.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX {$8600.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX {$2700.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/2023 I called XXXX. I got the number from what was presented as XXXX XXXX as I was having sign up and technical issues. An XXXX XXXX represented himself as a tech advisor. He instructed me by using XXXX to make dummy transactions and no money would come out of my account. When I realized I was involved in a scam I hung up and immediately called my bank to cancel the transactions. I was told nothing could be done until the transactions posted. Not a very good system to thwart scammers. I was advised to contact disputes which I did. They put the money back pending investigation. Yesterday I discovered they had taken the money back out. I called for an explanation and was told since it was XXXX there was nothing they could do. They knew from the start it was a XXXX transaction. I only have XXXX now because it is a service provided by my bank. If XXXX XXXX involved the bank would be taking care of me! XXXX says its a done deal, nothing I can do or anything they will do. I am a senior citizen on a fixed income. I was taken advantage of and feel completely stupid, and am heartbroken over this.
Product: Debt collection

I recently discovered that I had a few accounts under my name that I myself had not opened. I only found out about them because I was continuously receiving calls about different accounts being sent to collection ( which at first I thought was just a scam call ). It wasn't until I went to apply for something and got denied that I finally went to check my credit score and noticed a significant decrease. I seen that a couple loans had been opened and sent to collection, and also that a credit card had also been opened and is on its way to collection with a past due and over limit balance. I have filed with identitytheft.gov and have tried explaining to the companies the situation to no avail. I am not sure who or how my information was acquired, and have limited info on the dates accounts were opened. I do have the current amounts as listed below : -XXXX {$1500.00} -XXXX  XXXX {$440.00} XXXX XXXX XXXX XXXXXXXX XXXX  {$690.00}
Product: Credit card or prepaid card

I spoke with Capital one regarding a credit card account I never opened. After speaking with the representative, I found out about this list of transactions : XX/XX/XXXX : XXXX, XX/XX/XXXX : XXXX, XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX The representative stated that they will start a fraud investigation and closed the card account
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. I would like to confirm the payment history and status of the account : XXXX XXXXX Balance {$3400.00}. As I believe this account is reporting inaccurate information. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation of this account and update for legal and lawful accuracy. Please investigate the way this account : XXXX XXXX XXXXX Balance {$410.00} ; reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy.
Product: Credit reporting or other personal consumer reports

this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from any of the following account. Block and remove it.
Product: Debt collection

Today alone they have called my home phone 3 times/daughter/ex-husband/ step sister/ XXXX year old mother/ex sister in laws/ex brother in laws and nephew I have seen or talked to in 20 years phones all before XXXX. We had been paying what we can on a part time job of 22 hours ... instead of past due going down they kept adding more and more late fees ... {$300.00} a month is all we can afford but they continue to threaten ... already have 3 in collection
Product: Credit reporting, credit repair services, or other personal consumer reports

Huntington Mortgage Amount : {$53000.00} Huntington Personal Credit Line : {$60000.00} When spouses divorce, and the one spouse is supposed to refinance, and deliberately fails to do so, the mortgage lenders have the discretion to honor the divorce decree or not by removing the non-responsible party from the Mortgage & Home Personal Credit line.

However, if they choose not to, they don't offer any alternative solutions to the spouse who, by a legal divorce decree, isn't responsible for the loan, which also states that states no party is permitted to continue extending credit to either party using both names. Credit can only continue being extending in their own names. 

They merely suggest court and contempt of court charges which actually leaves little to no recourse for the divorced spouse to actually force a resolution, as sending someone to jail for contempt doesn't actually solve the problem, particularly when the other parties intention is solely to harm the other party, in any and all ways that they can. 

Not only is this financial abuse from the ex-partner, the mortgage company is facilitating it, when they dont follow their own procedures by foreclosing on the property when this ex-partner continues to not pay. 

While obviously NOT ideal, a foreclosure would at least provide the non-responsible spouse an actual end to the financial abuse that the bank is facilitating by failing to honor the divorce decree. 

Mortgage companies should be required to stipulate who is responsible for the mortgage & any Home Credit lInes in event of divorce and remove the other party from the loan after a divorce at the time of the signing. They should allow for amendments to be made if something changes too.
Product: Credit reporting or other personal consumer reports

I am submitting my identity theft report regarding fraudulent accounts that are still appearing on my credit report. I have already informed TransUnion about the fraudulent nature of these accounts.
Product: Debt collection

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX   or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Autotrakk ( inquiry XX/XX/XXXX ), XXXX XXXX ( inquiries XX/XX/XXXX and XX/XX/XXXX ), and XXXX XXXX ( inquiry XX/XX/XXXX ). I let each of these companies know that I did not recognize the inquiries that THEY placed on my credit report. I asked each company to provide me with a written consent from me indicating that I agreed to the credit inquiry. After several hours on the phone getting nowhere with each of these companies and getting the runaround, I decided to send a formal letter to them ( each letter is attached ). I have found that most of the companies that are reporting information out on my credit report are receiving their " inquiry '' from a 3rd party and are not the actual furnisher of the data. This fact makes it even more imperative to see the written approval with my signature.