23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told I 'd be sent a credit balance refund for over 3 thousand dollars from Barclays. After letting them know I never received this, I received a call today alerting me that the check was cashed and because it was cashed there was nothing further they can do. Barclays was in possession of documents that I was a victim in identity theft cases and failed to properly handle this. Not only will they not reissue the check, they 're showing my balance positive for just under {$700.00} and marking me late on my credit bureau.
I want the proper refund minus my current account balance and for my credit bureau to be properly adjusted and to never have to deal with barclays again. Their business tactics have been disgusting and appalling Barclays is taking what I deem to be illegal methods by completely ignoring that an active fraud case was pending while this took place. I sent bank statements in a timely manner to the office of the president and they ignored my query
Product: Bank account or service

On XXXX XXXX 2015, US Bank rep. XXXX telephoned me and said my business account information was found on a known cyber-criminal USB drive, and an individual who was a target of a scam had my bank information and was instructed to pay $ XXXX account fraudulently. I explain I had " NO '' knowledge of what he was talking about and that it was the first I heard of it and there were no irregular deposits into my account as he could verify. He told me they would close my all my accounts and wire my funds to another bank, which they did on XXXX XXXX, 2015. 
On XXXX XXXX, 2015 they reported XXXX " Report For : SUSPECTED FRAUD ACTIVITY ''. This reporting caused XXXX banks to close my account until I can clear the matter. I can not open a bank account anywhere because it appears like I was the one who committed fraud. Instead of someone illegally had my account information on a USB drive and No single person put any unidentified money into my account ever. I have been a victim of identity theft for my business, yet they attached suspected fraud to my social security number. Now I am Blacklisted a Fraudster, with their unfounded character assassination.
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed a car through Redrock financial around XXXX or XXXX the car was deemed a total loss and I didn't have full coverage.Fast forward to XXXX and XXXX I have been being garnished almost XXXX a month, I don't feel like they are reporting the balance correctly or that I have been paying the balance down. I am trying to shop for another auto loan and I'm being expected to put large amounts down due to this situation ... .I experienced a total loss in XXXX with another auto loan company but luckily I had full coverage and gap pay.i want this cleared up immediately with the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes, I sent a follow-up dispute ( XX/XX/2018 ) by means of a XXXX XXXX XXXX, Transunion has failed to respond. They have violated the FCRA in that it has been more than 30-days. Please see items below COLLECTIONS XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX  XXXX
Product: Debt collection

I have been sued by Midland Management Inc and since XXXX of XXXX theyve been aware that the account is fraudulent. In XX/XX/XXXX I mailed a notarized Sworn Denial. Which I also filed with the courts prior to our first court date XX/XX/XXXX. 

They continued the court date to find the proof of ownership I was requesting. To XXXX XXXX in between that time, I learned unequivocally through the XXXX  breach that the account was fraudulent and filed an FTC fraud complaint as requested. 

Notified midland with a copy of that FTC report as well as the XXXX  breach notification in an overnight tracked mailing XX/XX/XXXX. I arrived for court XX/XX/XXXX to which I was told by their attorney they want to work out a payment plan with me. 

When I notified this attorney whom was different than the last of the fraud the attorney said theyd speak to me about it. Midland continued the case to XX/XX/XXXX. 

I filed a XXXX  complaint and have filed a complaint with the attorney general since before XXXX court date. As Midland has been sued by the TN attorney general for this very thing Im writing about. 

Nothing has stopped them from continuing to harass me through the courts and extending the court date every time I show up. So they can as they keep putting it to find proof I own the account. 

I showed up for the XX/XX/XXXX court date. Certain that with having sent a cease and desist letter in XXXX, demanding that they either furnish the original physical signed documents or stop all collections against me and I got ZERO response from midland, until I walked into the courtroom XX/XX/XXXX that it would be dismissed. 

Not only did I send them this letter but the attorneys office Ive had to hire due to Midlands harassment sent them a letter. To which they havent responded to my knowledge. 

Did Midland management dismiss NO! Theyve continued it AGAIN! Through another temporary attorney to XX/XX/XXXX! Citing THEY want 60 MORE DAYS TO PROVE ITS MY ACCOUNT!! This is bullying and outrageous! THIS IS ILLEGAL! Theyve been harassing me since XX/XX/XXXX! Thats SIX MONTHS NOW!! 

I filed an FTC fraud report in XXXX, placed fraud alerts on my credit and Midland continues harassing me, stressing me out and taking me from my frontline job, costing me time and money and being able to actually deal with the multiple breaches on my credit. Because Im too busy fighting them on a FRAUDULENT account that MIDLAND knows and have known is fraudulent!
Product: Credit reporting or other personal consumer reports

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15

USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

Navy federal charged me XXXX overdraft fees between XX/XX/2023 and now, totaling to {$290.00} in overdraft fees.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

GM Financial has repeatedly reported incorrect information from account to my credit report for OVER A YEAR!!!! This is absolutely UNEXCEPTIONABLE!! All this time I have been working HARD to position myself to become a home owner and could not understand what was holding me back!!! It was GM Financial!!! I had to dispute the account balance that they report due to it being INVALID!! GM Financial reported that I owed over {$5000.00} when I only owe {$2000.00}!! They updated their error. As they should have!! Then ... GM FINANCIAL updates their system XX/XX/XXXX and caused my online payments to be late XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX!!! If I was late why are they just reporting this!??? They just reported those XX/XX/XXXX!!! If I was late why wait so long??! Because they are wrong and I was never late!!! I found out about those late payments from my lender who informed me just yesterday that my score went down because GM FINANCIAL reported 3 late payments in the past 2 weeks. I called and they said it was my fault!!!! Now tonight I get a credit alert saying my equifax has went up 44 points!!! How did that happen!?? Because the detail shows that GM FINANCIAL HAS INCORRECTLY REPORTED that I HAVE LATE PAYMENTS THAT THEY UNCOVERED WAS INCORRECT!! XX/XX/XXXX-30 days late, XX/XX/XXXX-30 days late, XX/XX/XXXX-60 days late, XX/XX/XXXX-60 days late, XX/XX/XXXX-60 days, XX/XX/XXXX-60 days late and XX/XX/XXXX-90 days late!!!!! They just changed it!!! This is an outrage and I demand that this be addressed RIGHT AWAY!!! This has hindered me severely from becoming a homeowner. On top of that I had to get an online alert and I was never even notified!!! I have missed multiple opportunities to become a homeowner due to their delinquency! This has caused a major setback along with XXXX   XXXX and XXXX!!! If this is not taken care of I will seek further assistance!
Product: Debt collection

XXXX XXXX credit has been calling me several times a day about a small medical debt I never received a bill for. I believe the debt is legitimate, but as I do not have a copy of the bill, I asked the gentleman to email me one. He refused. I informed the caller that I work on the road and need all paperwork emailed to me. 

I then spent over an hour and called 6 different lines trying to track this debt down and obtain a bill, with no luck. I called the original emergency room first, who failed to contact me about this issue before sending it on. They were unable to provide a bill, and referred me to XXXX XXXX XXXX XXXX XXXX, who also was unable to provide a bill The caller continues to harass and call me at work. I informed him I could schedule a call with him if he could email me to set up a time. He again refused and continues to spam call me. Today I have received 3 calls while on a jobsite.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Equifax XXXX XXXX XXXX XXXX XXXX {$3600.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX xxxxxxxx XXXX {$5800.00} Date Opened XX/XX/XXXX XXXX XXXX xxxxxxxxxxxx XXXX {$1600.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$360.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Status {$3500.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX {$5000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$3700.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$2900.00} XXXX Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXXXXXX 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 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
Product: Credit reporting or other personal consumer reports

I recently got a copy of my credit report as I was recently denied for credit. As I was reviewing my credit, I noticed a few inaccuracies and would like your help in correcting these errors. There are some inquiries reporting that I have no knowledge of. I have NOT given the listed companies permission or consent to obtain a copy of my report.

According to Section 604 FCRA, any company that acquires a copy of my credit report as to have permissible purpose or proof that I initiated an inquiry. Please send me communication from these companies of what they consider permissible purpose as I am deeply concerned about who has had access to my credit file. Credit reports are indicators of a consumers credit worthiness and mine is incorrect therefore resulting denials. This is damaging to my financial reputation.

I also understand that written authorization for all inquiries listed must be documented and proven if reported. If you have NO proof or evidence with supporting documents, please have these deleted immediately.

If concluded online or internet, please provide the IP Address associated with the authorized inquiry which I seem to have serious doubts it was done.

I have also contacted the creditor in question and they claim they have NO proof either, of each initiated inquiry, no written authorization documented, and each company has failed to provide to me a permissible purpose or proof and now for me, this is a major concern. Because they do not have my proof of authorization, whether written or verbal, I am demanding you to kindly delete these inquiry ( s ) from my credit report of, because it is unproven, non-compliant, and unverified as there is absolutely no evidence or proof of my authorization of a permissible purpose.

Section 604 states that a Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) in Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. I have not applied for any credit recently. Please read on : Under 15 U.S.C.? 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete or cant be verified, the consumer reporting agency shall ( i ) promptly delete.
Product: Debt collection

On XX/XX/2018 A Motion for Judgment on the Pleadings was mailed to my residence from Lloyd & McDaniel stating that a court date had been set for XX/XX/XXXX in XXXX county District court. This was the first knowledge that a lawsuit had been filed against me. I had not been served previously with a Summons/Complaint as described by Kentucky statue. Having not been properly served, I was not afforded the time to file an answer. 

Checking with the court, the lawsuit was filed on XX/XX/2018. I had previously written a letter to Lloyd and McDaniel stating my financial situation. The letter dated XX/XX/2018 was a letter in general and did not attest to any knowledge of a lawsuit. Lloyd & McDaniel used this letter as an answer to an unserved  summons/complaint. The letter was written over the 20 day time frame for an answer, so could not be construed as an answer. 

Lloyd & McDaniel was granted a summary judgment on XX/XX/2018. I am disputing this action. I feel that Lloyd & McDaniel has been granted this summary judgment using unethical methods to obtain the judgment. I have a letter from the original creditor that the debt was written off, but yet, the lawsuit stated that the original creditor was the Plaintiff.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Repot Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C section 602 A states i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 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.

15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice.

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX US SM Bus Admin ODA
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe 3 collection accounts on my credit am inquiring about XXXX XXXX and XXXX XXXX. Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) and provide me with the date of first delinquency, the FCRA compliance date and the name of the party who reported the date of first delinquency.
Product: Bank account or service

I contacted my bank to dispute a group of charges that I knew were not authorized by me. The bank replied with contact the vendor to get it resolved. This is something that I have never experienced with them before. I have contacted them on multiple occasions and never had them not process the disputed charges. So I contacted the vendor we went through every charge and they informed me for unauthorized charges to contact my bank to dispute them. 
I contacted the bank again today, the dispute processor basically called me a liar. Then she told me she had to hear it from them because it is their job to settle the disputes. I asked when Chase changed their policy on disputes and wanted to speak with a manager. I waiting for 45 minutes and no one came to the phone.
Product: Checking or savings account

I informed TD Bank that XXXX lacked authority to issue preauthorized checks, diverging from our agreed-upon XXXX XXXX monthly debits. After establishing a payment plan, my wife chose to redirect payments to our XXXX XXXX XXXXXXXX account. XXXX 's subsequent unauthorized {$100.00} checks constituted fraud. TD Bank 's initial refund did not prevent XXXX from continuing unauthorized transactions. XXXX acknowledged the error yet claimed inability to stop transactions. The recurrence of unauthorized charges compelled me to stop direct deposit, despite repeatedly notifying TD Bank on XXXX occasions.
Product: Credit card

I canceled my Citi Premier credit card account. Citi 's stated policy is to refund the annual fee if the card is cancelled within 37 days of posting the fee to the account. My fee posted XX/XX/XXXX, and I cancelled the card on XX/XX/XXXX. 

I was advised when cancelling that I did not need to pay for the fee, as they would be posting a credit to bring the ending balance to {$0.00}. I subsequently began getting automated calls from Citi stating my balance was past due. 

I called and spoke to a customer service representative, who could not tell me when my credit would post and could not confirm whether my past due balance would be reported to credit bureaus. 

I paid the {$95.00} on XX/XX/XXXX to reduce the risk of this getting flagged on my credit report. Customer service told me that a credit would be posted and then refunded to my bank account or sent via check. 

I have still not received any credit to my Citi account, let alone received the money back. They can not tell me when I should expect it. Now over two months since cancelling the card.
Product: Money transfer, virtual currency, or money service

PNC will not link my checking accounts to XXXX Investing.
Product: Money transfer, virtual currency, or money service

I got scammed and I tried to contact cashapp online as theres no phone number provided and still havent received a response or number
Product: Debt collection

XXXX XXXX XXXX has attempted to collect an incorrect bill total, after it was reduced by my medical insurance. I have requested a debt validation letter and itemized invoice on XXXX different occasions from them and the collections agency, DataMax, and have yet to receive anything. My bill total was reduced 20 %, from {$1000.00} to {$830.00}. The company has reported the amount owed as {$1000.00}, and now my credit has significantly dropped due to their accounting errors. Please note connection to complaint IDs XXXX and XXXX.
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX XXXX Account Number: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: Vehicle loan or lease

" XXXX is the only place to get an official certified mail service. However, both XXXX and XXXX offer similar signature requirements and delivery confirmations. '' The state of NC requires that a notice of sale be sent. I never received a notification! The 'form ' letter does not include the certified mail barcode number that is typically listed on a letter. I would like proof of delivery or delete this account!