23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello, to whom it my concern my name is XXXX XXXX XXXX consumer ). I am A federally protected consumer ; I would like to thank you for the opportunity to address my concerns regarding third parties XXXX XXXX XXXX XXXX ( XXXX  ) ( Debt collector ) Charged Off by Capital one Capital One Financial Corp. My account Original Account Number is XXXX or XXXX. MCM has infringed upon my rights to privacy under the Fair debt Reporting Act 15 U.S.C. 1692 ( a ) I ( consumer ) Have notice MCM was furnishing allegation of an alleged debt for {$590.00} to the consumer reporting agency without the prior consent. I would like to ask how my location information was gotten, and who provided you consent to communicate with I ( consumer ) This debt collector was not given prior consent from me to communicate with me in connection with the collection of any debt, which I would like XXXX  to provide me my writing consent of such action. If request can not be provided this will be direct violation of 15 U.S. Code 1692c ( a ). During the initial communication debt collector was not confirming location information instead they have accused me ( consumer ) of alleged debt which is under federal violation of 15 usc 1692b ( 1 ) ( 2 ) XXXX  has harassed me to coerce payment on a debt, they have advertised to me which has ruin my reputation. Is a violation of 15 usc 1692d ( 4 ) This XXXX  ( Debt collector ) has use deceptive and unfair mean to collect debt from me not permitted by law is a violation of 15 usc 1692f ( 1 ) I have disputed the validated of this debt to XXXX  ( debt collector ) which they have removed off my consumer report. I the original creditor im requesting Actual and statutory damages brought by Defendant XXXX XXXX XXXX XXXX For violating the FAIR DEBT COLLECTION PRACTICE ACT, 15 U.S.C 1692 et seq Which prohibits debt collectors from engaging in abusive, deceptive, and unfair debt collection practices This is a violation of 15 usc 1692g ( 5 ) .I request All further collection efforts against I ( XXXX ) with regard to the accounts, any negative credit reporting be removed of any database. in addition, to the damages I'm requesting XXXX  XXXX XXXX ( XXXX XXXX to settle. If this offer is not accepted, my next step will be taking this case to legal proceeding to litigation.
Product: Debt collection

Let this be the 3rd notice that I have repeatedly demanded Aargon to cease any communication with me per the FDCPA. They sent me another communication to verify the debt which I HAVE NOT ASKED FOR. I want this company to cease and desist ANY and ALL communication with me through any medium. XXXX XXXX continues to send me communication after I have told them to stop. Proof of me asking this company to stop contacting me is attached. I have filed a claim in my local justice court for this continued harassment please see attached.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 multiple transactions were made through the XXXX XXXX app to transfer money from my saved debit card information. My login for the western union app was hacked and while I contacted XXXX XXXX amidst the transactions and they were only able to stop one payment out of the 6. The transaction amounts were for XXXX, XXXX, XXXX, and XXXX. XXXX XXXX then proceeded to say they would file a complaint with their claims department and flag the transaction amount but could not help with anything else and I would need to contact my bank. Upon contacting CHASE bank, the situation was explained and a claim was started. Initially a refund was granted but a few weeks later we received a message stating the transactions were found to be true and authorized and the money was deducted from my checking account. Chase stated further documentation was needed from XXXX XXXX but XXXX XXXX refused to give me any information and wanted CHASE or the authorities to contact them directly in order to provide the documents. XXXX XXXX was contacted again on my behalf and I was informed to file a police complaint with my local police department. I was able to complete that request online and then proceeded to receive assistance from my local CHASE branch and the case was reopened. Again, both CHASE and XXXX XXXX failed to assist in retrieving the unauthorized money taken from my account.
Product: Credit reporting or other personal consumer reports

In an infuriating ordeal, I uncovered the theft of my identity, a violation that left me seething with anger. In response, I diligently filed an FTC identity theft report and painstakingly compiled a detailed police report, expecting decisive action from the credit bureaus. Yet, their astonishing indifference knows no bounds. They not only callously brushed aside my FTC report but also callously disregarded the comprehensive police report I provided, as if my ordeal were nothing more than an inconvenience. To add insult to injury, they couldn't even be bothered to acknowledge my arbitration attempts, sent via priority mail, leaving me incensed. This infuriating ordeal underscores a dire need for an overhaul within the credit reporting industry, demanding rigorous regulations and unwavering accountability to protect consumers like me from the soul-crushing consequences of identity theft. Until these abhorrent issues are remedied, countless victims will continue to suffer while the institutions purportedly safeguarding them demonstrate a shocking apathy towards their plight. 

i am seeking {$2000.00} per violation since it has been 90+ days I have been contacting and submitting the correct information to each credit bureau . ALL 3 Bureaus are in negligent violation of idenity theft standards and regulations according to the FCRA
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

My name is XXXX XXXX, I am writing to file a formal complaint regarding the handling of my Time Account ( CD ) ending in XXXX by Wells Fargo Bank , N.A . I believe this situation warrants your attention due to the financial impact and the lack of appropriate customer service. 

On XX/XX/year>, I called Wells Fargo to request the closure of my Time Account ( CD ) ending in XXXX. This request was made within the accounts grace period, as per the terms and conditions. However, as of today, XX/XX/year>, the account remains open. After following up, I was informed by a Wells Fargo representative, XXXX XXXX XXXX, that the initial account closure request was not processed properly on XX/XX/year>. XXXX XXXX assured me that a new form was to be submitted on XX/XX/year>, and that the funds from the CD should be transferred into my savings account no later than XX/XX/year>. 

As a result of this delay, I have suffered financial losses, as the funds from the CD have not been available for reinvestment. Specifically, I was unable to invest {$10000.00} in stock, which has caused me to lose more than 25 % in potential returns. This failure to close the CD account and transfer the funds promptly has caused considerable inconvenience and financial harm. 

In addition to this issue, I have experienced prior customer service challenges with Wells Fargo that further underscore the need for intervention. Most recently, I had difficulty paying off an XXXXnstallment Loan online. Despite my attempts, interest continued to accrue on the loan ( the interest was finally waived ). When I contacted customer service, I was informed that I could not transfer funds from my savings to the loan and was told to call back on the next business day to speak with the loan department. I find it unacceptable that I was asked to contact a separate department to handle a simple loan payment. I eventually resolved the issue by stopping the automatic draft and manually paying off the loan, but the process was unnecessarily complicated.

As a Wells Fargo customer, I am disappointed by the continued service issues and the failure to close my Time Account ( CD ) in a timely manner. I am requesting that your organization investigate this matter, ensure that my Time Account ( CD ) is closed, and the funds are transferred to my savings account as initially requested. Additionally, I ask that you address the ongoing customer service issues I have encountered with the bank. 

I would appreciate your prompt attention to this matter and look forward to a resolution. 

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

Equifax continues to report fraudulent charges on my credit report, from XXXX  XXXX XXXX, after I have reported/informed them that XXXX XXXX XXXX is reporting fraudulent charges/activities that do not belong to me. Equifax is also posting this account in support of XXXX  XXXX XXXX ; without viable proof. When I reported the incident to the CFPB in XX/XX/XXXX about XXXX  XXXX XXXX not rectifying this issue, XXXX XXXX  XXXX did not respond to the complaint in a timely manner, nor did they provide a resolution or reasoning. I would like for Equifax to remove the fraudulent account from my credit report. They are the only reporting agency reporting this.
Product: Checking or savings account

XX/XX/2021 A CHECK FOR {$42.00} WAS PAID BY THE BANK. THE INFORMATION ON THE CHECK WAS CLEARLY COPIED AND PASTED INTO THE CHECK AS WELL AS THE SIGNATURE, I CALLED THE BANK TO ADDRESS THIS FRAUDULANT TRANSACTION AND A FREEZE WAS IMMEDIATELY PLACED ON MY ACCOUNT, DENYING ME ACCESS TO MY FUNDS UNTIL " PENDING DEBIT CHARGES HAD BEEN POSTED, '' AT WHICH TIME THE BANK WILL CHANGE MY ACCOUNT NUMBER. I WAS INSTRUCTED TO MONITOR MY ACCOUNT FOR THESE " PENDING '' CHARGES TO POST. WHEN I ATTEMPTED TO ACCESS MY ACCOUNT, VIA MY ONLINE ACCOUNT, THE BANK HAD LOCKED ME OUT OF MY ACCOUNT. NOW THE BANK IS REQUIRING ME TO FILL OUT " FRAUD '' DOCUMENTS WHEN THE RESPONSIBILTY FOR THIS LIES SOLELY WITH THE BANK. 
IT IS MY BELIEF THAT MANY RETALIATORY ACTIONS HAVE BEEN TAKEN AGAINST ME/MY ACCOUNT FOR PAST COMPLAINTS I HAVE FILED. 
MY ACCOUNT REMAINS FROZEN AND MY FUNDS UNAVAILABLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is being made by the consumer XXXX XXXX XXXX XXXX XXXX Please see the identity theft report attached. I have Consistently disputed fraudulent accounts that result from identity theft on my credit profile. Experian, XXXX, XXXX  XXXX each have not provided me with the results of the recent Investigation within the allotted time provided in the FAIR CREDIT REPORTING ACT. My person and household have been affected tremendously by the inaccurate credit reporting that these companies have been doing against me. I also feel discriminated against as I have disputed these items a multitude of times and cooperated with the guidelines of the FAIR CREDIT REPORTING ACT and have not been fairly treated. Am alleging that these companies are not in compliance with all applicable laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX SSN : XXXX DOB : XX/XX/XXXX File : XXXX Re : Account : XXXX  Account XXXX ( Under maiden name, XXXX XXXX XXXX XXXX To Whom It May Concern : XXXX XXXX continues to report incorrect information on my credit reports. This was a car loan for a car that was a total loss in an accident and paid by my own insurance, and by GAP insurance provided by the lender. When the loan was paid off, I received an overage check that is attached. This should serve as proof that the account is paid in full, not charged off and should have no late payments since the payoff date of XX/XX/XXXX. 

Please remove this item from my credit report using the attached canceled check as proof of payoff. Thank you. 

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

The Credit Bureaus never did a proper investigation '' according to the FCRA The term " investigative consumer report means a consumer report or portion thereot in which intormation on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this Also, they have violated my rights even more. 

In accordance with the air Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible it the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal. 

They also violated the law because according to 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.

I did not give anybody written instructions.
Product: Credit card

I made a late payment to my credit card which is through Comenity Bank. I have never missed a payment, even if it is late, and I regularly pay off monthly at least the minimum payment but on the rare occasion the payment is not on time they will call multiple times a day every day at all hours of the day. They also call my mother 's home landline multiple times a day. I have already asked them to stop calling but they only switched to calling from unknown numbers so I can no longer block them.
Product: Credit reporting or other personal consumer reports

I have tried to sign in to my TransUnion account on several occasions and for some reason it lets me log in but wont let me get into my account
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX, I sent a letter via certified delivery along with a copy of my state drivers license and social security card as verification and asked from all inaccurate Names, Addresses, Phone numbers, Employers and Social security numbers to be removed from my report. However, after multiple request the bureau still has mad no change with updating the information. This is a clear violation of the FCRA and this company will be liable for damages if not removed immediately.
Product: Debt collection

I sent Midland Funding a certified letter disputing an account on my credit report XX/XX/XXXX which they signed for XX/XX/XXXX at XXXX XXXX They did not respond to it. Therefore I sent them a second letter XX/XX/XXXX which they signed forXX/XX/XXXXat XXXX XXXX Thus making it two goodwill attempts to resolve an issue concerning an inaccurate account on my credit report placed there by Midland Funding. I have disputed item requesting validation or a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. They have refused and failed to provide me with a legally binding contractual obligation to pay them the alleged amount of {$1300.00} per their letter dated XX/XX/XXXX. My credit reports from all three credit bureaus show an amount of {$1300.00} listed under Midland Funding and or Midland Credit Management Inc. Failure on their behalf to provide a copy of any alleged contract or other instrument bearing my signature will eventually result in a small claims action against their company. I will be seeking a minimum of {$5000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) In addition to not providing me with evidence bearing my signature they did not furnish the XXXX with the required disclosure, within the period required by law. Midland Funding is required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which they signed for on XX/XX/XXXX at XXXX XXXX I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure with XXXX within the required 30-day period. Midland Funding is liable for their willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agency. ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that I have reports on my credit that were opened without my permission. I would like for these accounts to be closed as soon as possible as I am a victim of fraud. these accounts that were opened are damaging my credit report and it is out of my control. This is very unfair and I would like to have the issue resolved. Accounts such as XXXX XXXX XXXX XXXX XXXXl XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are all accounts that I do not recognize whatsoever and need to be removed from my credit report.
Product: Credit reporting, credit repair services, 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 15 USC 1681 account name XXXX XXXX XXXX account number XXXX account name XXXX XXXX account number XXXX has violated my rights. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604a section 2 it also States a consumer reported agency can not furnish an account without my written instructions. 15 USC 1681 c. ( A ) ( 5 ) section States no consumer reporting agency may make any consumer report and containing any of the following items of information any other adverse item of information other than the records of convictions of crimes which intimidates the report by more than seven years 15 USC 1681s-3 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reported agency if the person knows or has reasonable cause to believe that the information is in accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS EQUIFAX XXXX XXXX AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNT THAT DO NOT BELONG TO ME THERE IS A ADDRESS ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS 1XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE BEEN DISPUTING THIS MATTER SINCE XXXX  AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELEY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT
Product: Mortgage

On XX/XX/XXXX we received a statement from our mortgage company ( Freedom Mortgage ) informing us that our escrow shortage amount is {$6900.00}, which increases our monthly mortgage payment from {$2000.00} to {$2900.00} starting on XX/XX/XXXX. 

We can not believe that Freedom Mortgage could force us into this situation as this increase is something we can not prepare for with just two months notice. They have failed to manage our escrow account appropriately or accordingly. We are extremely appalled and tremendously shocked by this misstep.
Product: Consumer Loan

On XX/XX/XXXX I applied for a loan on the XXXX website for 0 % interest financing for 18 months. I input my information and was approved for a {$5000.00} line of credit. I received my first bill and it states that I am paying 29.99 % financing on my purchase. I called Fortiva Retail Credit and was told that I was n't approved for the 0 % financing but the 29.99 % financing. When I submitted my application, the website never said " your not approved for 0 % financing however we can offer you 29.99 % if you want to continue ''. This is a total bait and switch scam. I would have never gone for the 29.99 % interest rate. I could have used one of my lower interest rate credit cards or not moved forward with the purchase. When I called customer service they told me I signed an online disclosure. I never received it. I went through all of my emails and they only correspondence I have received other than the online application is the monthly statement I received. At the very least, there should be an indication that you have not been approved for the 0 % which is what you are applying for on the XXXX website.
Product: Checking or savings account

I Try to cover Avery single fee every day but Avery day I gave overdraft churge I call and explain that I ruan to bank to cover the amount but still I get charge
Product: Credit reporting or other personal consumer reports

XX/XX/year>XXXX  I request all collections to be deleted off my credit report because of selling my debt to a 3rd party and my information