23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I contacted Moneykey to advise them that i wished to cancel a pre-authorized ACH debit I advised that i would call in a payment on the die date ( XX/XX/XXXX ). XXXX  XXXX i received a notice from them advising that it was their final demand for payment. My payment is due XX/XX/XXXX however on XXXX they sent a final demand for payment and threatened to send my account that is not due until XXXX to a 3rd party collection agency.
Product: Debt collection

This complaint has bearing on two previous complaint numbers XXXX and XXXX. 

XXXX at XXXX XXXX XXXX ( XXXX ) routinely and intentionally asks potential renters to sign a rental application and, upon approval, presents them with a rental agreement to sign that could surprise some potential renters, like me. The specific material facts that XXXX failed to disclose to me are related to the stay of guests in the apartment. Since I was to rent an apartment, XXXX should have made me aware of its policies regarding the stay of guests before asking me to pay the application fee of {$50.00} and the holding deposit of {$100.00}. But, it did not. Since I was made aware of the policies after my signing of the rental application i.e. when I was presented the rental agreement for my signature, I rightfully refused to sign the rental agreement on the grounds that XXXX failed to disclose its policies regarding the stay of guests, and demanded XXXX refund of both the application fee and the holding deposit tome. XXXX argued that the application fee and the holding deposit are nonrefundable and refused to refund the amounts paid by credit cards. 

Upon my disputing the charges with the banks that issued the credit cards, XXXX did not satisfy the banks that it did not fail to disclose its policies regarding stay of the guests or that the policies were not material. As such, the banks credited the disputed amounts and closed the disputes in my favor. 

XXXX then maliciously added certain other charges of its own and contacted XXXX XXXX and Outsourcing ( FCO ) to pursue its claim. XXXX made no mention of prior credit card disputes to FCO. Instead, XXXX misled FCO to believe that certain checks were returned for insufficient funds, a blatant lie on the part of XXXX. As of the date this complaint is filed, XXXX is aware of the reason why I refused to sign the rental agreement, but has not disclosed it to FCO. 

FOTAs failure to disclose the specific policies regarding the stay of guests in the apartment renders my rental application legally void, and could subject XXXX to fraud charges for concealing material facts in dealing with potential renters.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX ( Finance ) inquired on XX/XX/XXXX ; XXXX XXXX inquired on XXXX XXXX, XXXX ; inquired on XXXX XXXX inquired on XXXX XXXX, XXXX ; XXXX XXXX  XXXX inquired XXXX XXXX XXXX XXXX XXXX ; XXXX inquired on XXXX XXXX, XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. 
Did not consent to unauthorized inquiry.
Product: Checking or savings account

Called chime customer service today and verified my direct deposit information and reviews paystub to see if all information is correct and it is and has been changed in employer system two weeks ago and no direct deposit available to my account today. There solution is to be patient.
Product: Checking or savings account

i am filling a complaint with the cfpb regarding capital one 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the electronic funds transfer act ( EFTA ) as it requires timely access to funds. this situation raises concerns about consumer protection law, and i request your assistance in investigating this matter to ensure my rights are upheld. thank you
Product: Credit reporting or other personal consumer reports

The law says it is illegal to report transaction history 16 CFR 313.7 - Form of opt 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods.out notice to consumers ; opt out methods. 16 CFR 313.7 - ( a ) ( 1 ) ( i ) ( ii ) ( iii ) Form of opt out notice to consumers ; opt out methods.

15 U.S. Code 6802 - ( b ) 1. Obligations with respect to disclosures of personal information. 
I did not give consent to report my transaction, history, or utilization, and demand that it be reported to XXXX because it is affecting my score tremendously! It is a violation {$1000.00} per inquiry federal law.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Early Warning Services ( EWS ) for violating the Fair Credit Reporting Act ( FCRA ) by furnishing unverifiable information on my consumer report. This inaccurate information is causing me significant harm and impacting my ability to obtain a checking/ savings account at any bank On XX/XX/2023, I submitted a dispute to EWS regarding the following inaccurate information appearing on my credit report : XXXX  XXXX XXXX ID : XXXX Regions Bank Case ID : XXXX I provided EWS with supporting documentation demonstrating the inaccuracy of this information. Despite this, EWS claimed to have conducted a reinvestigation but subsequently stated that they lacked access to the account documentation necessary to verify the disputed information.

Violation of the FCRA EWS 's actions violate the following provisions of the FCRA : Section 623 ( a ) ( 5 ) : ** Prohibits CRAs from furnishing information they " know or have reasonable cause to believe is inaccurate. '' EWS 's claim of lacking access to the information constitutes " reasonable cause to believe '' in its inaccuracy.

Section 611 ( a ) ( 5 ) : ** Requires CRAs to delete inaccurate information from consumer reports upon receiving a dispute if they can not verify its accuracy within a reasonable period. EWS has failed to remove the disputed information despite lacking access to necessary verification documents.

Harm and Damages This inaccurate information has caused me significant harm, including obtaining a bank account. These consequences have resulted in emotional distress and reputational damage.
Product: Mortgage

I have been trying to refinance my home with Citibank/Citimortgage ( also my current lender for the present mortgage ) for 6 months. On Monday, XX/XX/XXXX, I received a closing disclosure showing terms, closing costs, and cash out to me. I signed acceptance and returned the disclosure to the company. Closing was scheduled for XX/XX/XXXX at XXXX at my residence. Upon arrival, the freelance notary Citi sent to conduct the closing had a different document than the one I agreed to on XX/XX/XXXX, despite the cover letter for the disclosure saying, exactly " This will be the same document you will receive during the loan closing. '' The actual closing doc showed closing costs $ XXXX+ higher than the disclosure, and my cash out $ XXXX+ lower. Citi knows I am on a tight time schedule and has taken this refinance down to almost the very last days ( I must release my ex-husband from the loan no later than XXXX/XXXX/16 ). I signed at closing so as not to delay the loan and risk falling out of our legally determined arrangement, but I both called and emailed Citi today requesting explanation and received no response. My Citi representative knew that cash out was important to me in order to make needed repairs on the property.
Product: Credit reporting or other personal consumer reports

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report, which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please send me the source of these inaccurate accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please send me the source of these inaccurate accounts.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX  XXXX **** XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 

EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/year>, 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 inaccurmation, 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: Mortgage

I received a non-compliant marketing piece asking if my rate was higher than 2.25 %. There was no disclosed APR in the advert and nothing to indicated the loan they were offering as a refinance option was anything but a fixed rate mortgage. I would like to hold them to their disclosed offering of 2.25 % on a 30 year fixed.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my COMENITYBANK/VICTORIA - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

As of Saturday morning, My Transunion report includes XXXX XXXX XXXX. And show three late payments. This has never been on report until Saturday. I need this verified and documentation on this account asap! The report reads XXXX XXXX. But same XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX.
Product: Credit reporting or other personal consumer reports

I was trying to purchase a vehicle and I realize that I have damages on my credit remote. According to the 15 U.S.C 1681 Law, there should not be any damages on my report, its a defamation to my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information on my transunion credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

National credit systems is inaccurately reporting a collection amount on my report to all 3 credit bureaus. I moved out of an apartment in 2020 due to the loss of my job due to XXXX I was told by the apartment complex that I can pay or quit and if I move out I can pay the lease termination fee. I moved out and provided my forwarding address to make payments. I was never sent any information to make a payment and when ever I called the office to pay, they told me they couldn't speak with me and I would get something in the mail. I never received anything and they reported the payment due on report without any notice or attempt to collect.
Product: Debt collection

Complaint against - Aldridge Pite Haan representing XXXX XXXX XXXX * I received notification from XXXX XXXX, GA - on XX/XX/XXXX about a garnishment that was being enforced. 
*I was not familiar with the debt at the time so I responded to the letter XX/XX/XXXX *I received a follow up notice that indicated I had a court date in response to my letter for a court date of XX/XX/XXXX. 
*I attended the court date and was given a document from the judge of the original civil action document XX/XX/XXXX *This was indeed a debt I incurred during a low part of my past and indeed had a judgement for that I did not recall at the time. I have since found all the supporting documentation for this debt. It was indeed mine in which I was indeed responsible for. 
The first garnishment payment occured XX/XX/XXXX {$400.00} A total of 5 deduction in the amount of {$400.00} along with one additional {$250.00}. 65 were drafted starting XX/XX/XXXX and final draft XX/XX/XXXX. 

So this garnishment has been paid off as of XXXX XX/XX/XXXX. 

On XX/XX/XXXX a letter was drafted by Aldridge Pite Haan , LLP ( same that originated the requested garnishment ) stating they were representing XXXX XXXX and that my debt had been turned over to for collection. Indicated I have 30 days to respond etc. 
Providing an account # XXXX Charge of Balance {$2400.00} Amount off Debt {$760.00} APH file number XXXX Finally stating if I wish to discuss payment arrangement or resolution of the debt to call. XXXX. 

This letter was writtend 4 business days after final garnishment for the exact same debt the just collected final payment on through my garnishment. 

They are using legal letters and legal verbiage to scare someone into paying a debt that they full well know they just collect final payment on. 
The balance of the Civil suit from XX/XX/XXXX is in the amount of {$2400.00} The debt they are claiming is owed is also in the amount of {$2400.00} How many times do they do this to people that have no way of tracking down old documents old debt. How many times are they scaring people into paying debt they have already collected. 

This is wrong. 

They have recently caused much stress to me and my family and this 100 % is not ok that they are trying to fool me into believing I owe for a debt that I have already paid. 

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

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were 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. 
XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX
Product: Debt collection

This is apparently a debt owed by my husband 's son XXXX XXXX. They call almost daily and I 've told them he 's a XXXX yr old man who does not live with his daddy. They call from XXXX. They said they are with XXXX in XXXX Mass. although that is not a XXXX area code. Address I was given by a XXXX was XXXX XXXX XXXX XXXX Mass. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - I submitted a dispute to Midland Funding ( a debt buyer ) to delete the inaccurate information from my credit report. As of today ( XX/XX/XXXX ), Midland Funding continues to break the law by reporting erroneous, unverified, and inaccurate information on my credit report. Midland is a CA and not a factoring company ; thus, I have no contract with this company. Further, this company  has not proved they own the debt ( as they would have to do in a court of law ). Statements with my name are not " proof '' they own the debt. I've even sent letters to Midland and they have failed to validate the debt. Moreover, the account is reporting inaccurately and is in violation of FCRA. I have no agreement with this company. I would like this account deleted from my credit report based on violations of FCRA and FDPA. Midland is a typical debt buyer who violates the law and fails to prove they own the debt as a judge would require in court or validates the debt. 
Sincerely, XXXX XXXX
Product: Credit card

ran my credit report recently and saw XXXX inquiries I didnt not authorizeboth are from XXXX - I have had a paypal acct in the past, but havent used it in years, nor having any desire of opening any credit line with them, yet they automaticaly authorized a check on my credit for both XXXX and XXXX ... .I am super annoyed as I am trying to rebuild credit and dont need these on my report! 

Lender Type Date Reported ByXXXX/XXXX XXXX XXXX XXXX, 2015 XXXXXXXX/XXXX XXXX XXXX, 2015 XXXX
Product: Credit card or prepaid card

I obtained a copy of my credit report through Transunion and the following phony account is being reported by Capital One Bank on my credit report. I never opened this account with Capital One Bank and when I called them to get it fixed all they did was run me around in a circle but did nothing to correct the problem. Also they have a fake phone number on here for me. My phone number has never been ( XXXX ) XXXX CAPITAL ONE BANK USA NA # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX Date Opened : XX/XX/2020 Responsibility : Individual Account Account Type : Revolving Account Loan Type : CREDIT CARD Balance : {$0.00} Date Updated : XX/XX/2020 High Balance : {$0.00} Credit Limit : {$1000.00} Pay Status : Current Account Terms : Paid Monthl The companies that request your credit report must first provide certain information about you. Within the past 90 days, companies that requested your report provided the following information. 
Requested On : XX/XX/2020 Identifying information they provided : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Requested On : XX/XX/2020 Identifying information they provided : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Product: Debt collection

I am not liable for this debt with XXXX - XXXX XXXX XXXX and I do not have a contract with AMERASSIST AR SOLUTION plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$120.00}
Product: Mortgage

I have a foreclosure sale date of XX/XX/2018. I had submitted my offer to the bank for a short sale. However, I submitted it to XXXX XXXX XXXX and they are no longer my mortgage company. I phoned Penny Mac Loans to try to get someone to postpone the foreclosure sale until they could review my current offer and the person that i spoke to was friendly but firm and stated that they will not be able to postpone the foreclosure sale but if i wanted to i could email over my documents to XXXX. I just need for the bank to give me a chance and review my offer. I am trying my best and doing what i can to make it through this tough and trying ordeal.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Fair Collection & Outsourcing ( XXXX XXXX XXXX XXXX XXXX ) for committing identity theft. I have never given Fair Collection & Outsourcing any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from Fair Collection & Outsourcing before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Fair Collection & Outsourcing can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am demanding a cease and desist of all illegal activity and any communication of this and any alleged debts until Fair Collection & Outsourcing can provide me with sufficient documentary evidence that I have/had any legal obligation to pay them. If this documentary evidence can not be produced and Fair Collection & Outsourcing continues its collection efforts ( Reporting to Consumer Reporting Agencies ), I will file for litigation for actual damages caused and Fair Collection & Outsourcing will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.