23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A company claiming to be a law firm has contacted me about a debt they say I owe. I do not recall having a debt with them or any company them claim to represent. I have requested information from this company and I'm awaiting there response. Also, I have issued a cease and desist order against the company. 

A demand for a Certificate of Assessment, Cease & Desist, and a Debt Disclosure was send to ROOSEN VARCHETTI & OLIVIER XXXX Also, ROOSEN VARCHETTI & OLIVIER XXXX was sent a debt disclosure regarding the alleged accounts. The demand for documents were sent via certified mail # XXXX XXXX XXXX XXXX XXXX. 

ROOSEN VARCHETTI & OLIVIER XXXX is indicating that an account with the account number XXXX and / or XXXX is an account that belongs to me. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 
2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 
3. Provide the contract or other instrument through which [ Alleged Creditor } authorized ROOSEN VARCHETTI & OLIVIER as third-party collection agent. 
4. Provide a true and correct copy of the instrument by which [ ROOSEN VARCHETTI & OLIVIER } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 
5. Provide the delegation of authority from the Director of the Office of Management Budget to ROOSEN VARCHETTI & OLIVIER, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 
6. Provide the Certified Assessment Certificate. 


Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Product: Credit card

I was enrolled in Discover double case back program in XX/XX/XXXX and got email confirmation in XXXX XXXX XXXX. When I confirmed my time period of the double cash program XX/XX/XXXX, the representative said that I was enrolled XX/XX/XXXX even though there was n't any email nor record on my account reflected that information, and I made a lot of purchase using Discover it card in XX/XX/XXXX assuming my program started on the date I received that email confirmation. When I called in to their customer service, the director explained that the email confirmation meant nothing, and the date on that email says " XXXX XXXX as the XXXX billing period '' is not necessary the XXXX but can be XXXX and even XXXX. When I pointed out the confusion of the email, the director made up an email on XXXX XXXX XXXX that he claimed had rewards program information on it. I do n't have that email ever, and he could n't even bother making up the content of the email but saying there was an email. I was so disappointed of how Discover pulling this trick of date on me. I wish I had more clearer information in the first place to avoid this kind of misunderstanding. Discover did a terrible job of letting customer know the exactly date of their rewards program and tracking the use of their Discover deal portal. When it comes to REWARD, Discover makes all the information as vague as possible!! That made-up email was a total disappointment, I will stop using this card and stop referring my friends.
Product: Debt collection

**Affidavit of truth ** XXXX shared my PRIVATE CONSUMER INFORMATION WITH A 3rd PARTY COLLECTION COMPANY WITHOUT MY SIGNED AUTHORIZATION OR CONSENT. ALL PAYMENT HISTORY AND TRANSACTIONS SHALL all be EXLCUDED from My consumer report pursuant to 15 us 1681a ( 2 ) ( B ). Im demandin that you delete these UNAUTHORIZED Transactions from ma CONSUMER REPORT immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41. Cease and desist all attempts to collect and all involvement with XXXX XXXX XXXX XXXX. 

Under penalty of perjury ; XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

At XXXX on today, XX/XX/2023, I received an email from Wells Fargo Applications ( XXXX ) to my email address thanking me for an application filed on XX/XX/2023 for a Wells Fargo XXXX XXXX XXXX XXXX XXXX I made no application and am not otherwise, and have never been, a customer of Wells Fargo. I called Wells Fargo customer service at XXXX and reported the issue. The first representative took my name and email address. She confirmed that my email address was in their system, but would not provide any other information. Instead, I was forwarded to an application fraud representative who proceeded to for the reference number in the email and for my full name. He then asked for my date of birth. This is where I drew the line and got irate. My information was already confirmed in their system and their reference number for the fraudulent application was provided. There was no need for my date of birth or any other information. A victim of fraud would not disclose personal, confidential information, especially when Wells Fargo has documented instances of fraudulent activities by its own employees. All Wells Fargo needs to do is flag the application and delete it. I checked my credit report. There was an inquiry on my credit. Wells Fargo had accepted the application without doing any due diligence and now my credit score will be negatively impacted, my finances are at risk, and they have compromised my identity.
Product: Money transfer, virtual currency, or money service

JP Morgan Chase was prompted to initiate a wire transfer to my bank account that also happens to be Chase.l, on XX/XX/year>. Wire transfer did not go through until XX/XX/year> because it was under review for compliance. The sender spent XXXX  days calling and email to release the wire. Once wire transfer was received, Chase charged me twice what amounts to {$280.00}.
Product: Checking or savings account

Bluebird randomly shut down my account again for the 2nd time without reason this morning. I sent a {$490.00} payment to someone and then an hour later I was unable to login to my account. I tried calling their support number and talking to someone but it seems impossible to get someone on the line. When I give my account information to the automated phone support, it states " Your account has been permanently suspended, goodbye ''. If for whatever reason my account can not be reopened because I did something wrong, which I did not, I would like the money that is still left on my account sent to another bank account or a check mailed to the mailing address listed on the account. Thankfully I got most of the money off of there when I made the {$490.00} payment this morning.
Product: Mortgage

PNC bank will not remove PMI from my mortgage account despite their own internal documents demonstrating I am and have been below 80 % LTV. When asked to remove PMI they stated their investor required being between 78 % to 80 % to remove PMI, contrary to statute. Despite numerous attempts to remove PMI from my account since XX/XX/XXXX, a follow up in XX/XX/XXXX ( at which time we were told we were below 80 % ), and again in XXXX PNC Bank has repeatedly refused to remove PMI. Further I am only permitted to speak with a Mortgage Specialist and members of their customer care teams, not with members of their PMI Department. On the evening of XX/XX/XXXX I was informed my case would be closed. However I requested this to remain open because my concerns were not addressed and requested to speak to a manager. 

Further they stated in letters sent to our home that we must commit to an appraisal or a BPO for them to even consider removing PMI from our accounts at our cost. 

We are up to date, and have been up to date on our accounts.
Product: Credit reporting or other personal consumer reports

I was a victim again of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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
Product: Debt collection

This account was deleted from all 3 of my accounts because of identity theft. I have now been notified by the original creditor, which I did not authorize, that the account has been sold to a collection agency. This is a huge violation an account which does not belong to me, and that can not be verified should not be placed into collection.
Product: Checking or savings account

I am unable to connect my PNC bank account to online services like XXXX, XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report :
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX account XXXX XXXX, XXXX XXXX XXXXXXXX account XXXX XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXX account # XXXX, has violated my rights 15 u.s.c 1681 section 602 A. Stats 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
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a discover credit card which i was on time my all payments but because of when i was sick and i ask my mother to look for my bills whenever i am getting by us post mail i never received mails almost 3 months and because of change of address they report late on my report please help me to resolve im trying to buy a house its not letting me go through
Product: Credit reporting or other personal consumer reports

am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXXXXXX XXXX XXXXAccount XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I used Citizens Bank XXXX service to send a deposit of {$400.00}. This was to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX for a private dinner event scheduled for XX/XX/XXXX. After I sent the deposit, the chef did not communicate with me to confirm details of the event and never showed up for the event. I contacted the bank to report the scam and obtain a refund since the service I purchased was never provided. I was told they couldnt do anything despite the fact that I was scammed.
Product: Student loan

I graduated from college in XXXX XXXX I started my first job in XX/XX/XXXX. Sallie Mae is demanding that I make monthly payments that I can not afford. I have been in communication with them to seek a solution. I have requested an Income Driven Repayment Plan and provided them with all of the necessary information, but they will not offer me any modifications to the current payment plan. They are threatening to place my loan in default that could result in the loan being accelerated and due immediately. 
I am looking for a solution and have made many attempts, but on multiple occasions representatives from Sallie Mae have offered me none.
Product: Checking or savings account

i got a letter from citi bank regarding they need some documents from my side, if i failed to provide the documents my account will be blocked. 
But they didn't provide the listed documents. 

I called customer support, but they said it was system generated, and it is showing no documents listed. 

i called twice but didn't get any response from citi for the listed documnents. 

finally on XXXX of XXXX they blocked my account without providing any reason. 

As all my money was there to pay all my bills but unable to make any transactions. 

Here is the reference no : XXXX that Citi provided. 

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

This complaint involves Equifax ; XXXX  and XXXX  credit bureaus. I recently have filed several complaints against each of the referenced credit reporting bureaus. 
Each of the agencies is dismissive and claim they will not conduct subsequent investigations even though they have not conducted a reasonable investigation from the start. In each of the cases in which I have alleged fraudulent activity on credit cards, I provided both local and federal law enforcement reports, provided a federal report of a privacy and data breach, and finally that my information was being farmed on the dark web. Each of the credit bureaus, XXXX and XXXX XXXX XXXX XXXX have failed in their duty to me and to others. If CFPB fails as well, there will be no doubt the financial, credit and regulatory organizations are in one accord to defraud the nation.
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 Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a 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

Collection Company : XXXX Dates : XX/XX/XXXX - Present In XXXX I went to the hospital and my mom had submitted my insurance. From then I never heard anything from the hospital trying to contact me about the bill, nor did they tell me they had sent me to collections. The only way I found out I had been sent to collections is when I tried to buy a car and the dealership ran my credit and told me I had a collection company trying to collect a debt in my name. If I hadn't try to buy the car I would have never known. 

So, I called the collection company and set up a conference call with my uncle where we agreed on a payment plan of {$58.00} until my total EST amount of ( {$1200.00} ) was paid. I have since learned that I have actually been paying more interest than principle on the debt. They have been allowing me to pay $ XXXX while charging me {$97.00} ( 7 % ) /month. 

I have since called the hospital and paid a settlement fee of {$390.00} on an existing bill to stop the interest on my account in collections and instead pay {$1200.00} to the hospital. 

The problem I'm having was that when I contacted my bank to get my account statements, they tracked my first payment to XX/XX/XXXX. By doing the calculation of {$58.00} x 27 ( months ) = {$1500.00} I should have already paid off my debt. My bill is now estimated at {$1600.00} dollars with the collection company. It has gone up and I've paid over the amount owed. 

IM GOING TO PAY OFF MY {$24000.00} car before I pay off a {$1200.00} debt if they continue to do this to me. 

The hospital told me these people are '' nasty '' and the hardest to work with. I have been getting taken advantage of and really need help with them lying and saying there was no interest and not notifying me of being sent to collections.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On my credit report, I have two unknown and unauthorized reports/inquiries on my credit report : Sallie Mae on XX/XX/2021 and XXXX XXXX on XX/XX/2021. I did not consent to these inquiries and request that they be removed immediately. These were seen on my XXXX XXXX account and I do not know where they are from and it is concerning to me. 

Please let me know if you need any further information.
Product: Debt collection

Portfilio Recovery has continued to call my job several times a week after I explained I can not take personal calls at my job since I work the switchboard - they now have started Robo calling my employer the recording says it is an attempt to locate me. They have been told not to call here but the rob calls continue
Product: Debt collection

They would call me repeatedly everyday for over a week asking for someone that is not me. I would tell them that it is not me and that they needed to take me off the call list. They kept calling. I asked to be taken off the call list again and they lied and told me they had no authority to do that. They wouldn't tell me their business name until I threatened to report them for fraud. They claimed to be calling from Ceders Business.
Product: Debt collection

A Alliance Collection AG is calling us on a daily basis harassing us to collect a debt. I was renting an apartment and wanted to leave the place two months prior to the lease end. I tried talking to the landlord that I am willing to give up my security deposit and was willing to help them find another lessee for them. According to the contract, we had to provide a notice two months prior to renewing the contract if we are not going to renew the lease, which we did. However, I did not want to live there anymore and wanted to leave the place. Landlord did not do much effort to find another lessee and therefore they sent the account to the collections. Since XXXX, 2018, the A Alliance Collection AG has been constantly calling and harassing us through phone calls. I tried negotiating with them several times but they were not willing to lower the amount. As a result, they call us multiple times on my wife 's cell number, my cell number and at our house phone demanding for the money. I have told them to stop calling us and limit the communication to mail only but they have ignored all of my requests. I am fed up of their constant daily harassment.
Product: Checking or savings account

I have been constantly having the same issue with this bank! I will purchase something then the amount for the purchase will be taken as pending. Once the purchase is posted the amount will be taken out again but will still be on the account as pending. This has happened multiple times. Most recently it happened with XXXX. I made a purchase for XXXX $ on XX/XX/year> and it was pending as of yesterday XX/XX/year>. Then today I was charged XXXX again when the XXXX payment posted. However the pending transaction is still on my account. I called customer service and they tried to claim that I was charged twice and it was the merchant, XXXX, fault. This has happened multiple times with multiple different merchants and it only happens with capitol one. I never have this problem with anyone of my other bank accounts at other institutions. Its no reason that the same transaction should be pending and posted at the same time. If it was a double charge like customer service tried to claim it would have been two pending transaction of the same amount before it posted today and the money would have been taken out twice when I first made the purchase not when it post. Then they said I would have to wait until XX/XX/year> for the pending transaction to fall off even though it posted today XX/XX/year>.