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

XXXX XXXX is showing up on all 3 credit bureaus. I have disputed this acct with the company directly and with the credit bureaus. And they will not remove this account from my profile. I have asked them to provide me with the original loan application with my signatures and they haven't not provided me that. They sold the account to XXXX XXXX XXXX on XX/XX/2016 with an balance of {$4600.00}, I have also reached out to them asking for a copy of the original loan application. My date of both is incorrect when they called to try to verify the account with me.
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. 

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

I been asking XXXX to provide me more information on a account that they been reporting on my account for 6 years Been asking and calling since XXXX 2020. With no response. Was asking for contract. Payment history and what the vehicle was sold at a auction. Paper work from auction.
Product: Mortgage

1. ) Truist Bank sent me a letter dated XX/XX/year>, and quote " Our records still show that there was a lapse in coverage from XX/XX/year> to XX/XX/year>. An insurance charge of {$310.00} will be assessed to your escrow account for the period of lapse. Please provide us with evidence for this lapse period, in order to avoid this charge, or have it reversed from your account. '' 2. ) I contacted my insurance agent from OneGroupFL.com, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. The insurance agent responded and quote " The insurance company extended the non-renewal due to XXXX XXXX. I attached the letter to this email for your records. In addition, my agent has uploaded the letter to my coverage info with Truist. '' 3. ) In addition, I explained to Truist Bank, that the XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX extended the grace period for insurance policies affected by XXXX XXXX until XX/XX/year>. Source XXXX XXXX XXXX XXXX 4. ) According to my insurance agent, she contacted my mortgage company and they stated that they could not accept the letter because It was not a declaration page. My agent explained that the extension was due to an emergency order.
Product: Checking or savings account

I would like to open a checking account with this bank but they wont let me since I live in New York but I told them I will be moving for college to XXXX this is why I wanted to open an account
Product: Credit reporting, credit repair services, or other personal consumer reports

My concerns stem from accounts that have inconsistencies with reporting across the other 2 bureaus and with my records. I requested that XXXX XXXX performs mandatory thorough investigation under FCRAct laws. This account is reporting inaccurately and is reporting illegally.

1. I requested the account to be investigated to see that this account is no longer reporting in XXXX. Therefore it should be removed from my credit report.

2. Inconsistency continues to report when it comes to Dates, Payment History, number of late payments, and Months claiming that I have missed my payment. 3. The balance reported is incorrect and inconsistent. The account has not been active since. 
If this account is not reporting 100 % accurate, I request deletion immediately.
Product: Checking or savings account

XX/XX/year> : Deposited 3 IRS ERC checks for a total of XXXX we received as ERC ( covid refund ). Teller told us that there will only be one day hold since they were IRS checks, XX/XX/year> : I wire transferred the deposit to my XXXX brokerage account using XXXX software tools. XXXX gave me credit to use the funds even before they receive the as a gesture of good will and my good credit with them. 
XX/XX/year> : XXXX reported that there is a problem with the wire and that Citibank canceled the wire. 
XX/XX/year> : Received a letter from Citibank saying our account had been frozen for fraud prevention and the only way we could withdraw money is to go to a branch and ask for it. 
XX/XX/year> : We went to Citibank branch in XXXX, CA and asked them to release the account so that we could re-transfer. We gave them the option of having them write a cashier 's check instead. Branch manager refused saying that they needed verification from back office before they can do that. We waited on the phone for hours. Back office finally said no. They said they will mail us a check for the funds in two weeks. 
XX/XX/year> : I Informed XXXX about what happened. They said i needed to liquidate my account for {$35000.00} we had used up. I am in process of selling my valuable equities for this reason, citibank had received cash for the very valid IRS checks yet they kept it on hold for no reason. Meanwhile our Citibank account is locked. They said they will close our business account as well,
Product: Money transfer, virtual currency, or money service

Monies ( {$2500.00} ) were wired to XXXX XXXX XXXX thru his bank ( First Financial XXXX XXXX XXXX XXXX  ) Address of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX / XXXX XXXX, Texas XXXX. Web site is XXXX and e-mail is XXXX After money was wired to them, they will not get back to me with leaving messages for some time now. Can you please tell me how to proceed as they are in a differant state than me? Thank you XXXX XXXX I also have documents to get to you but my computer knowledge is not so great?
Product: Credit reporting, credit repair services, or other personal consumer reports

MY DESPUTES CAME BACK VERIFIED FOR BEING ACCURATE FOR XXXX, ACCOUNT XXXX 1.DATE OPEN IS ININACCURATE. 2.TERMS ARE INACCURATE. 3.HIGH CREDIT IS INACCURATE. 4.LAST REPORTED IS INACCURATE. 5.DATE OF LAST ACTIVITY IS INACCURATE. 5. DATE OF LAST PAYMENTIS INACCURATE. 6.PAYMENT HISTORY IS INACCURATE. THESE ARE THE THINGS I SEE THATS INACCURATE ON MY EQUIFAX, XXXX, AN XXXX CREDIT REPORT WICH IS GROUNDS FOR REMOVAL. AND THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C. 1681 SECTION 602 A.STATES I HAVE THE RIGHT TO PRIVACY. AND UNDER 15 U.S.C. 1681 SECTION 604 A. STATES A COMSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITH OUT MY WRITIN 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 15 U.S.C. 1681s- ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTINGAGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS ACCURATE.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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

In this carefully orchestrated dance of finance and privacy, my right not to have my-personal information unjustly shared, finds backing in 15 USC 6801 . The clause articulates that every financial institution, ( which, in this case, includes the Furnisher of information to credit agencies ), has an unyielding obligation to maintain the sanctity of their customers ' privacy and to shield their nonpublic personal information. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

received emails stating my credit had been ran by Capital one bank and XXXX XXXX but no further contact information was sent
Product: Debt collection

I was the XXXX XXXX at a company called XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX, when I was laid off. In that time, I opened an internet account with XXXX on the company 's behalf ; XXXX XXXX is the account holder and I was listed as the contact person for installation. I was laid off in XX/XX/XXXX and suspended from all of my accounts. XXXX XXXX stopped paying the bill resulting in the bill going to collections. Over the past two months, I have been receiving daily calls from XXXX XXXX at McCarthy, Burgess and Wolf. I notified XXXX, who told me that as the contact person I am not responsible for payment. I also notified the finance department at XXXX XXXX and they paid the bill and closed the account. Despite all of this, I am still receiving daily calls to my personal cell phone from XXXX XXXX. As of today, he contacted my parents. I am being harassed about a bill that has been paid and is not my responsibility to pay.
Product: Mortgage

Very poor communication and readiness of Ditech Financial LLC in communication with customers in the changes in account structures, new account numbers and customer service. First, in XX/XX/XXXX received the lump sum payment as was practice for both mortgage and insurance and applied the entire amount to principle as opposed to mortgage and insurance payments. This was resolved after finally getting customer service on the phone with extended wait time. XX/XX/XXXX, received notice of new account number for insurance payment and that we would also receive a new account number for mortgage all still with Ditech and to be made separately to different addresses with new account numbers for future payments and notice of Chapter XXXX for Ditech. XX/XX/XXXX, new account numbers not yet provided and informed to still send lump payment and told by customer service they would still separate and the online account services would be unavailable for a few days while upgrades were made. Ditech received the lump sum payment as of XX/XX/XXXX ( due XX/XX/XXXX ) and did not post the mortgage payment as paid until XX/XX/XXXX and still showing on line the insurance payment due which is not correct as all was sent. Email customer service and never get a response other than a letter without resolution.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion.
Product: Credit card or prepaid card

I have an american express card that I made a payment to the wrong account ( there is only one number different between the last 5 digits of my account versus my husbands account ). There was a large credit to his account, we never recieved a call or notification despite them having all information about all accounts, my account was reported as late, and this went on for several months before I was sent their internal collections, XXXX. Since signing on with XXXX, XXXX continued to report my account as late even though every payment through them was made on time and even additional payments were made. Once I realized that the ongoing negative reporting had continued I spoke with XXXX, eventually got through to a supervisor of their Credit Bureau Unit who agreed that this was very messed up and felt that this was handled poorly and recommended that I speak to the Care Team and file a complaint and request a re-aging of the account. She transferred me and the representative took my name and number, told me that the Supervisor of that department would call me back and I never recieved a call. 

The following week, I again made several phone calls and began filing a complaint with the Inquiry Center whose representative, XXXX, was very helpful, agreed to file the complaint and reverse the credit to my husbands account and submit for a re-aging of my account and we were disconnected. I called back, was transferred 7 times, was assurred that I could not be connected with the exact representative, was transferred 4 more times and then told they could not talk to me because my account was in collections. 

My husband called and was finally able to speak to a customer service representative who stated that he saw all of the notes in the records, would complete the reversal of the credit from his account to my account, reverse all of the late reporting and that given my husbands permission to discuss this with me, that he would call me back within 10 minutes to confirm the agreed upon action. We again, have never recieved a call back.
Product: Checking or savings account

CITIBANK OLD ACCOUNT # XXXX NEW COMPLAINT # XXXX This account was set for account closure on XXXX with {$110.00} in my checking account and {$300.00} in my savings at the time I was locked out. I spoke to XXXX in Executive Response Unit and she stated that a check would be issued in XXXX days. The 60 day deadline is XX/XX/year>. 

I called Citibank today to check ( XX/XX/year> ) on the status of my funds and I was informed there were NO FUNDS in my account. I am opening this complaint because I want to ensure that I receive all the funds that were in my account at the time I was locked out. They should not be allowed to steal my money. Please help ensure that I receive my funds and this account is properly closed.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding unauthorized inquiries on my credit report. On XX/XX/XXXX, I submitted a complaint stating that I had unauthorized inquiries and demanded that they be removed immediately, citing a violation of my consumer rights under 15 USC 1681. However, I received a response without any proof of these inquiries being made by me, which is illegal. 

XXXX failure to act on this matter is also illegal. I have filed a complaint with the Office of the Comptroller of the Currency ( OCC ) and will proceed to small claims court to sue Equifax if I do not receive a remedy. Equifax has 15 days to respond and remove the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I expect immediate action to rectify this situation and the removal of these unauthorized inquiries from my credit report.
Product: Checking or savings account

To Whom It May Concern : My name is XXXX XXXX XXXX XXXX card ending in XXXX. 

As of XXXX my last transaction was with XXXX which left the available balance on my account in the amount of {$560.00}. 

Please note that there were NOT any other transactions after the XXXX payment made with my card ending in XXXX from XX/XX/year> into XXXX. 

Please note that I went into my bank account on XXXX and I noticed that I was missing {$62.00} from my bank account account. 

The mathematical error I do not believe to have been incurred by me. I write all my transactions and can confirm that on the night of XXXX the remaining available balance was that of {$560.00}. 

Therefore, the {$62.00} is missing or a transaction was omitted from my account. 

I spoke to the Dispute department and she was able to confirm that on XXXX the remaining balance was that of {$560.00}. 

Please locate the missing {$62.00} as I did not make another transaction with my card ending in XXXX. 

I did make a current CITI transfer of {$300.00} to an XXXX XXXX on XXXX. 

Thank you for your time, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Dear Sirs, Dear Sirs, this is my complaint against BANK OF AMERICA, NA ( XXXX ). 
I sent the following money transfers, which were frozen by this bank without any reason : XXXX : XXXX XXXX : XXXX Sender : XXXX XXXX XXXX Value date : XXXX, XXXX Sum : XXXX XXXX, XXXX usd Beneficiary : XXXX XXXX XXXX, XXXX Description : WORK ( SERVICE ) DELIVERY. PAYMENT FOR THE CAR / BUYER XXXX, STOCK XXXX XXXX tracker : XXXX XXXX XXXX XXXX, XXXX. - successful Since XXXX XXXX XXXX XXXX XXXX XXXX  . - pending XXXX ( investigation request ) dd. XXXX no result XXXX ( recall request ) dd. XXXX no result I know very well XXXX sanction lists, XXXX procedures & other XXXX. My money is 100 % legal & Im able to confirm it. No one from the participants of the payment was not under the sanctions/restrictions. The goal of the transfer was prepayment for a car, as per the invoice ( attached ). 
By my own initiative, Ive sent to BOFA ( XXXX ) all the documents concerning the payment : XXXX, invoices, scan copy of my passport. 
But the only answer was : Unfortunately, we can not provide you with the information you requested because the wire was not initiated at Bank of America. We recommend that you contact your bank. 
But the Senders bank has already sent all the necessary information to BOFA! 
BOFA ignores it. 

BANK OF AMERICA , N.A . must release the money! 

My address is : XXXX, XXXX, XXXX XXXX XXXX
Product: Debt collection

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, Illinois, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] Subject : Complaint Against Midland Cred Collection Agency for Violation of Consumer Rights To Whom It May Concern, I am writing to file a formal complaint against Midland Cred Collection Agency for multiple violations of my rights as a consumer. The agency has engaged in practices that directly contravene the regulations set forth by the Consumer Financial Protection Bureau ( CFPB ) and other relevant statutes.

1. Midland Cred Collection Agency has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), yet they have proceeded to place a collection account on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe.

2. I have not been afforded the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( I ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debt.

3. Midland Cred Collection Agency has resorted to false, misleading, and deceptive means in their collection efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers.

4. Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ), Midland Cred Collection Agency is flagrantly disregarding consumer protection statutes.

I demand that the Consumer Financial Protection Bureau investigate these egregious violations committed by Midland Cred Collection Agency and take appropriate action to rectify the situation. Additionally, I request that the agency cease all collection activities until these matters are fully resolved.

Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will diligently pursue this complaint and ensure that my rights as a consumer are upheld. 

Sincerely, [ XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

Credit inquires that I did not authorized 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: Mortgage

I am part of the customers that lost their house in foreclosure due to getting the wrong modification from wells Fargo which made my payments higher instead of lower. I know I need to be compensated for that.
Product: Debt collection

XXXX / XXXX /   17  - Called several members of my organization 's management team on their personal cell phones giving them his name, company and asking to speak to me or a member of my legal representation.     This led to multiple calls and emails to my HR department whi ch may result in my termination. He led them to believe that I was in serious legal trouble and needed legal rep resentation.
Product: Debt collection

Dear CFPB, I am attaching my most recent bank statement from Bank of the West. 

I took a break from actively using my checking account and stopped depositing funds there. I had left {$3.00} in the account to keep the account open and in good standing. On XX/XX/XXXX, a merchant drafted the account for {$6.00} which Bank of the West covered resulting in an overdraft fee. I was not notified that there was a lack of funds to cover a charge. I did not receive any phone calls or letters. As far as I was aware, my account was still in good standing without any problems. 

Then, on XX/XX/XXXX ( two months later ), I received a notice from a collection agency, XXXX XXXX, XXXX stating that Bank of the West placed my overdue account for collections. The amount owed was {$110.00}! Shocked, I contacted Bank of the West to find out what happened. I called them on XX/XX/XXXX and was advised that their phone support was unable to help so I would have to visit a branch. 

Today, XX/XX/XXXX I visited the branch and was advised that they already sold the debt, the account was charged off, and there is nothing that they can do. 

To summarize, over a 60 day timeframe, my account went from having a positive balance, to owing {$110.00} and having the debt sent to a collection agency. During the 60 day time-frame, Bank of the West made no effort to contact me. I didn't receive any warnings, no correspondence or phone calls. 

My complaint is that I believe Bank of the West charged these fees and charged off the account as quickly as possible to ensure that there was no way that I could resolve the issue in time.