23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

There are multiple utility companies brokering utility services in Texas, that accounts have been opened in my name, which is a very common name. I have never been to Texas, I do not own any properties, nor have I done any business in Texas. I have always resided in California. The companies involved, after directly contacting them and speaking at length about these accounts that are not mine, and refuse to investigate their own systems for the information provided upon opening of the utility service in order to connect to the true owner of the accounts. They wish to have me provide additional personal data to prove it isnt me. Being that this is obviously identity theft or an outright error, I have not provided my personal information to this unverified company. The debts owed have been sold to XXXX XXXX and Portfolio Recovery Services, which also have failed to provide any information or actually proof of my ownership other than my name, which is a very common name.
Product: Vehicle loan or lease

I recently took out a XXXX  auto loan ( {$33000.00} ) with Golden1 credit Union on or around XX/XX/2022. Golden1 Credit Union sent that amount to XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. I was informed by the XXXX  XXXX that they can not find the vehicle, therefore I can not register the vehicle in XXXX. As a result, my insurance company informed me that they can not insure the vehicle. I have followed up with Golden1 Credit Union and they can not give me any answers about what is going on. I have reached out to XXXX XXXX multiple times, and they are not returning my phone calls or email messages. I want Golden1 Credit Union to cancel my loan and force XXXX XXXX to take their vehicle back, because I can not keep a vehicle that I can not get registered or insured in the state that I purchased in and live in, XXXX.
Product: Debt collection

I was alerted by XXXX about a collection account placed on my credit report on XX/XX/XXXX ; again on XX/XX/XXXX ; and a third time on XX/XX/XXXX by Bull City Financial. I contacted Bull City Financial in XX/XX/XXXX and XX/XX/XXXX and asked them to search me by social security number, name and date of birth. Each time they said they did not have an account connected to my information. Bull City was able to find the medical account related to my credit report but claimed there was nothing they could do to remove it from my account. Bull City was also unwilling to provide me with a written document for me to provide to my mortgage company stating the debt on my credit report was in error which later prevented me from purchasing a home.

In XX/XX/XXXX, I found the Bull City Financial collection account still on my credit report. I called XXXX XXXX XXXX   in North Carolina and spoke to a manager who said I " do not match the demographic information or date of birth provided to Bull City Financial so I have no idea why they would be targeting you. '' She said she would call them tomorrow as they were about to leave the office.

I called Bull City Financial on XX/XX/XXXX at XXXX CST and again at XXXX  CST, I explained my conversation with XXXX XXXX and both representatives said there was nothing they could do and I would need to contest it with the credit agencies. I again asked for a letter simply stating they had no file attached to my identity for me to provide to my mortgager as we're again attempting to obtain a mortgage in Washington and was told their agency was unable to help me.

I later contacted XXXX   to handle the matter further. The XXXX  Fraud Specialist was able to resolve the issue within a matter of minutes based on the fact I was a XXXX XXXX in XXXX, WA at the time medical services were rendered in XX/XX/XXXX. The specialist was also able to determine the other person had the same first and last name as me but a different middle name and date of birth.

Bull City Financial 's errors and lack of professionalism cost me the ability to purchase a home once in XX/XX/XXXX and almost a second time in XX/XX/XXXX. Bull City Financial 's actions also negatively effected my credit report and caused unneeded emotional stress, as well as hours of lost time attempting to resolve the issue when I had a clear residential and employment history on the west coast of the United States.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX days of receiving them. My dispute regarding XXXX  ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Product: Money transfer, virtual currency, or money service

Citizens Bank XXXX lockout XX/XX/XXXX, XXXX attempted to add contact to XXXX service online and by mobile. Account was locked. 
XXXX - call customer service. Citizens was unable to send a text to the phone that is linked to my account and that I was calling them from. 
XXXX - was able to unlock account after calling back to speak to two different people. Added contact by spending time on the phone with customer service who issued an exception to the lock. 
XXXX - attempting to send {$150.00} to the new contact locked account again XXXX - call back to customer service wait times were long and requested a call back XXXX - customer service calls me, the office to unlock accounts is now closed there is nothing that can be done tonight. 

I've been a customer of this bank for 20 years and feel this deplorable customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX  Account # XXXX, XXXX and XXXX XXXX Account # XXXX, XXXX and XXXX XXXX  Account # XXXX, 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 : 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

FTC Violations XXXX XXXX XXXX XXXX XXXX {$5700.00} USDOEXXXX {$71000.00} XXXX XXXX {$3000.00} XXXX   {$360.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX : Account # : XXXX This account was removed/deleted off XXXX and XXXX XXXX but Experian has not removed yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you because I am not getting anywhere with the credit bureaus and collection agency. I feel my rights are violated. On XX/XX/2018, I and XXXX  XXXX  made a settlement agreement on this date. I told them I need something that states this account will be settled if paid by XX/XX/2018. On the phone, we agreed in {$440.00} on the phone. They were supposed to email this letter that day, but they did not. I had to call them back telling them I did not receive this settle letter that day. Prior to making this agreement, I was paying XXXX dollars a month. I received this letter on XX/XX/2018. That same day, I had my bank to overnight them a check for {$440.00} because this was the amount we agreed on over the phone. They received my overnight check on XX/XX/2018. Confirmation of the transaction from XXXX  XXXX is XXXX. I have been going back and forward with credit bureaus. I had to send in at least 4 reinvestigations. Each time XXXX  tells they are reporting accurately. I sent them all of my documents by mail. The documents I am sending you is the same documents I sent them. How could they let this company do this to me? I do not understand if they have my proof why I have to keep calling them and the company keeps telling them this account is not settled.
Product: Debt collection

This debt should have never been on my credit report. Myself and the XXXX roommates associated with this apartment the collection originated from never received any notice of funds due after vacating the premises. The entire 12 months we resided at this apartment, we never missed a payment or had a later payment. When we left the apartment we were up to date on all bills since my credit and finances are a big priority. This is the only blemish on my credit report and is affecting me financially with mortgages and other finances. 

If we were ever contacted regarding this matter instead of finding out when this hit my credit report I would have proactively brought my account to good standing as I have my entire life. 

I would like this taken off my credit report immediately as this collection was not warranted and if so, was not correctly communicated.
Product: Vehicle loan or lease

On XX/XX/XXXX, I leased a new XXXX XXXX through GM Financial from a dealer in XXXX. At the end of the lease term in XXXX, I returned the car to another dealer in XXXX XXXX, XXXX XXXX. I had purchased and installed four Hakapolita Extreme Weather Hazard-rated tires for additional safety, and kept the original tires in storage bags for the winter season. I returned the car with the original tires in a separate vehicle, ready to be swapped in at some reasonable cost. However, the dealership advised me to sell the tires since the car was " going straight to auction '' and the condition of the existing tires was " good enough ''. 

GM Financial sent an invoice detailing excess wear and tear charges totalling {$850.00}, which I immediately accepted and paid in full. However, I disputed the charge for tire wear and tear since they refused the " like-new '' original tires. I informed them of their error via their first phone call to me, but they refused to take my word for it ( despite photographic evidence of new tires still in my possession ), they refused to investigate the issue and refused to get on a bridge call with me and the dealership to clarify the matter, stating that they were " not authorized '' to speak to that part of their organization. GM Financial refused to investigate the dispute ( citing lack of authorization ), then ruled against my claim without an investigation, and soon began to threaten me with consequences for non-payment of what appeared to me to be brazen extortion. 

On XX/XX/XXXX, GM Financial flagged my account as 90 days past due and on XX/XX/XXXX, GM Financial flagged my account as charge-off. In XXXX of XXXX, I disputed this ( now ) fictitious charge against me to the credit reporting agencies and, in retaliation, GM Financial then re-iterated the " charge-off '' against me on my credit report with the current date of my dispute, sending my credit score precipitously downward. 

At this point, I think the retaliation simply doubles down on the original extortion attempt. I believe they had unfairly ( but accurately ) profiled me as unwitting, unprepared and totally defenseless against them and therefore probably a compliant " mark '' / " patsy '' / " prey ''. And while I was cowed into grudging XXXX  of their abuse at first, their recent attempt to " pile on '' and to further brow-beat me has angered and insulted me to the point that I choose to fight back now.
Product: Mortgage

In XX/XX/XXXX, Chase originated a XXXX mortgage for me. On XX/XX/XXXX, a Chase representative informed me of a 2 % rate cap on my variable rate mortgage. I received a copy of the mortgage note referencing this cap. See Appendix XXXX. 

On XX/XX/XXXX, I discussed refinancing options with JPMC representatives, who reaffirmed the rate cap 's existence and its impact on my monthly payments. See Appendix XXXX XXXX page XXXX. 

Around XX/XX/XXXX, I received a letter about the upcoming rate change. It made no mention of the cap. I contacted JPMC multiple times seeking written confirmation of the cap, and was told they would look into it. On one of these calls, the representative told me that I do not need to have it in writing because the contract clearly says there's a cap. 

On XX/XX/XXXX, I received a letter explaining the rate calculation. A JPMC representative informed me for the first time that the rate cap would not apply. On XX/XX/XXXX, the executive office confirmed this position. 

JPMC denied my requests for copies of previous call recordings, stating I would need to file a lawsuit and subpoena to obtain them. They maintained that I should not have relied on information from their representatives, even those who presented themselves as mortgage experts. 

The discrepancy between the information provided about the rate cap and JPMC 's current position has significant financial implications for my mortgage payments and property decisions. I believe that JPMC should be accountable for what its specialists inform their consumers about.

More broadly, I am concerned that JPMC has built processes that avoid written communications and deny consumers copies of verbal or chat conversations in an effort to absolve themselves of accountability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

JPMCB XXXX XXXX XXXX XXXX. XXXX, 2020 XXXX XXXX XXXX XXXX. XXXX, 2020 XXXX XXXX XXXX XXXX XXXX. XXXX, 2020
Product: Debt collection

Dear CFPB Representative, I am writing to file a formal complaint against XXXX XXXX XXXX and Omni Financial for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The details of my complaint are as follows : Background Information : Account/Reference Number : XXXX Date of Initial Debt Validation Request : XX/XX/2024 Date of Follow-Up Communication : XX/XX/2024 Entities Involved XXXX XXXX XXXX XXXX Omni Financial XXXX XXXX XXXX  XXXX XXXX XX/XX/2024, I sent a formal request for debt validation to XXXX XXXX XXXX  regarding XXXXhe above-referenced account, in compliance with FDCPA, XXXX U.S.C. XXXX ( b ). This statute requires that debt collectors provide debt validation within 30 days of the request and cease collection activities until such validation is provided. XXXX XXXX XXXX failed to respond within this legally mandated timeframe. 

Following this, on XX/XX/2024, I sent another communication to both XXXX XXXX XXXX and Omni Financial, emphasizing their non-compliance and demanding corrective action. Despite my clear and repeated requests, both companies failed to provide the necessary debt validation. This constitutes a clear violation of FDCPA, 15 U.S.C. 1692g ( b ). 

Additionally, both XXXX XXXX XXXX and Omni Financial have continued to report erroneous information on my credit report, which is a violation of the FCRA. Specifically, 15 U.S.C. 1681i requires credit bureaus to investigate disputed information, and 15 U.S.C. 1681b limits the purposes for which consumer information can be obtained. Their failure to validate the debt and their continued reporting of inaccurate information demonstrate a willful disregard for these statutes.

UCC-11 Search Results : I conducted a UCC-11 search with the State Secretary of Florida, which revealed no debts recorded under my name. This search, authorized under the Uniform Commercial Code ( UCC ), further confirms that the debt in question is not valid and that both companies have likely obtained my personal information illegally. 

Violations : Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692g ( b ) : Failure to provide debt validation within 30 days.

15 U.S.C. 1692e : False or misleading representations.

15 U.S.C. 1692f : Unfair practices.

Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681b : Improper access to consumer information.

15 U.S.C. 1681i : Failure to investigate disputed information.

15 U.S.C. 1681c : Inaccurate information in consumer reports.

15 U.S.C. 1681n : Civil liability for willful noncompliance.

15 U.S.C. 1681o : Civil liability for negligent noncompliance.
Product: Debt collection

On XX/XX/XXXX, i submitted a request for a re-finance on my mortgage. On XX/XX/XXXX, the mortgage broker informed me i had a collection against my credit for a medical bill. I researched the collection through XXXX and found a {$180.00} collection at Franklin Services in  XXXX, MS . I contacted Franklin Serv and they informed me that is was for an unpaid hosptial bill at XXXX XXXX in XXXX, MS from XX/XX/XXXX. I have never been to that hospital nor have i been to XXXX in over 15 years. I currently reside in California. They told me the bill was for a XXXX XXXX, i have no relationship nor do i know who this person is. I left numerous messages at XXXX XXXX and have not been able to get a return call. Franklin serv was rude to me and didnt offer a letter to show the mortgage company that this was done in error. As of today, the collection is still showing and interest rates have gone up to where it has financially impacted my life. I have now missed out on saving {$300.00} a month for the next 30 years. A savings of {$100000.00}.
Product: Money transfer, virtual currency, or money service

I am a very small business XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX I have been using SQUARE to process payments for my clients as they pay me for the labor I provide. SQUARE decides from the very beginning to start holding funds from going through or to be able to be transferred. Asked for a lot of things so I could be verified in which I provided every single one of them. And they were old grant temporary access just to take it away in less than 24 hours or lets say every transaction I had to go through this with them. Until today when after I processed a payment they then decided to deactivate my account and hold my funds stating it will not be available until after 90 days in which by law is not legal. Like I stated before Im a very small business and the money I make I use to pay a guy who helps me and has yet to get paid because of this company. 

Square is a corporation holding peoples money so they can fund their investments and payroll and expenses so they hold their funds until they can make back what they owe you and then pays you as they get their returns on their projects. 

I have tried with multiple emails and phone calls and have gotten no where or any answers from these people and no response. I am beyond frustrated. NO EXPLANATION. CANT ACCESS FUNDS. CANT PROCESS ANYTHING. NO CUSTOMER SERVICE.
Product: Checking or savings account

I have checking and savings accounts with CapitalOne360, and online financial service for which I wanted to link an external bank in order to transfer funds between accounts. This has proven to be impossible due to poor systems used by the bank and live agents who can not resolve the issue. I just tried to transfer $ from my external bank, XXXX and the system would not allow it although it showed " already linked ''. I have spoken with two different agents and neither one could resolve the issue to transfer me to a supervisor
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inclusion of Income Information on Credit Report Dear CFPB, I am writing to file a formal complaint against Transunion for including income information on my credit report, which I believe is a violation of the Fair Credit Reporting Act ( FCRA ). Enclosed is documentation of my previous inquiries request for Investigation and reinvestigation for the XXXX XXXX # XXXX it has been updated the pay status as charged-off which is considered income. The IRS Clearly defines a charge-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge-off is Income.

Upon reviewing my credit report I got from Transunion today XX/XX/2024, I noticed that income information has been reported. According to the FCRA, specifically 15 U.S. Code 1681b ( b ), consumer reporting agencies are restricted in the type of information they can include on a credit report. The Act does not permit the inclusion of income information as part of a consumer 's credit file. The presence of this information on my credit report is therefore in violation of federal law. 

Enclosed are copies of relevant documents to support my complaint, including a copy of the credit report showing the inclusion of income and my identification documents.
Product: Debt collection

On XX/XX/XXXX I sent a letter to JEFFERY CAPITAL SYSTEMS LLC. I never got an response from them. I never received a notice from this company. I just saw that they were reporting on my report. 
Per the FCRA as a federally protected customer. I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal nonverbal as per 15 USC 6802. This is effective immediately and indefinitely. Also the account mentioned above that you are trying to collect on has been charged off and according to the Internal revenue service, charge offs is considered a certificate of indebtedness which means it is now income. Income is not to be reported on a credit report please remove. You are in violation of my privacy right under the Privacy Act of XXXX. JEFFERY CAPITAL SYSTEMS LLC you are committing security fraud PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF XXXX. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction Exclusions.-Except as provided in paragraph the term " consumer report '' does not including any report containing information solely as transactions or experiences between the consumer and the person making the report
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against NATIONAL CREDIT SYSTEMS. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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