23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Franklin Collection Services Inc. is attempting to collect money on a debt that is not owed. They are inaccurate in their complaint, because no such debt exist. They are asking money for an XXXX XXXX XXXX payment in the amount of {$410.00} for XX/XX/2021. All final payments to XXXX XXXX XXXX were paid by me in XX/XX/2021 and XX/XX/2021 per my bank statements ( see attached ). I paid {$290.00} in XX/XX/2021, and the final payment owed of {$260.00} in XX/XX/2021 ( see attached bank statements ). So, there are no payments due to Franklin Collection Services , Inc. on behalf of XXXX XXXX XXXX. The bank statements clearly shows the final payments being paid to XXXX XXXX XXXX. Please immediately delete this collection account from all three credit bureaus. 

Section 623 ( e ). The Fair Credit Reporting Act prohibits information furnishers from providing information to a CRA that they know or have a reasonable cause to believe is inaccurate. Please delete the inaccurate information from all three of my credit bureaus.
Product: Credit card

Last night I had a credit limit of XXXX this morning I have a credit limit of XXXX. They made this change overnight with no advanced notice and then claimed it was because my credit rating was XXXX when it was actually XXXX from the same XXXX XXXX. Thought it may be just a computer error, but I've had this card for almost two years and always had the same credit limit as far as I understand. This is actually the first time this happened within my 70 years and they did this rather poorly because they didn't tell us ahead of time but they're sending us a letter in the mail after the fact.
Product: Credit card or prepaid card

In XXXX, I discovered fraudulent transactions that fully wiped out all the balance on my XXXX XXXX dollars Vanilla Visa Gift Card. I contacted InComm to dispute the transaction, and I was told by XXXX that they would initiate an investigation to recover the fund. I was subsequently informed of the reference number XXXX. In XXXX, I received a partial replacement of about XXXX dollars. I contacted InComm costumer service and they told me that not all transactions were reported as fraudulent in XXXX. I was given a new reference number of XXXX for the second report.
Product: Debt collection

The " debt collection company '' in question is FCR Services. They emailed and robocalled me the morning of XX/XX/23 claiming I owe {$160.00} to a childrens trampoline activity center called XXXX. The phone number they called from is XXXX. I have indeed visited the center with my child 1 or 2 times, but its not a place you can accrue debt. You pay, your child plays, the end. Perhaps FCR Services hacked XXXX to gain contact information or purchased information from a hacker. But XXXX has never contacted me about a debt, because the debt does not exist. Stop allowing criminals to operate as businesses. This is domestic terrorism.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was leaked in the Equifax data breach and ever since someone has been using my information to open different accounts in my name. There is credit cards, medical bills, loans, a mobile phone, and even a bankruptcy. I filed an FTC identity theft report and it was so many accounts it didn't even let me input all the incorrect info and accounts. I filed a police report with XXXX XXXX Metro and disputed all incorrect info with all three credit bureaus more than once. They have not even removed one account and I should not be held liable for things that I didn't authorize.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE THE INTERNAL LOCK PLEASE I CAN'T ACCESS MY REPORT BECAUSE OF IT, PLEASE I'M BEGGING YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have requested for TransUnion to validate that this creditor account is accurate and complete. My first request was in XXXX, received zero response. My second request was in XXXX, requested that they validate the accuracy of what is reporting and remove the balance owed and " derogatory '' status due to it being sold and in collections. Ive yet to receive a response in over 60 days that an investigation was even started.
Product: Checking or savings account

This is a follow up on this claim XXXX. Since original claim, Citi has sent me multiple times forms to open an account, which I will not fill out since I do not want an account nor ever authorized an account. I have spoken with and sent via XXXX a repeat of my request that all XXXX fund be transferred to my existing IRA Rollover account at another institution. After many discussions, a supervisor, XXXX, tried to explain that the account is on hold until they get validation and the only way to get validation is to apply for an account. I asked for other means of validation since they did ask me all the questions ( SSN, Address, etc. ) to validate me and finally, after 7 weeks, was able to get an account number, but stood firm that I need to apply for the account before I can get any of my money. I would like the CFPB to prod Citi to provide alternate means of validation OR just follow my instructions and move the funds to my XXXX XXXX XXXX as requested. Thank you.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

My account has been closed since XX/XX/XXXX. The last payment made was XX/XX/XXXX. The company has reported recent missed payments for the month of XXXX and XXXX of this year ( XXXX ). After months of disputing and sending fax and mail and all the requested documents, the problem is still there. Ive spoken to over XXXX different supervisors and not XXXX of them are able to help me. They keep saying that the " back office '' is who handles credit reporting and the only way to contact them is through fax. Every month since XX/XX/XXXX, the " back office '' or XXXX XXXX  correspondence team has promised that id have to wait until the XXXX for this account to be removed from my credit profile.They are aware that there is no way that there can be no recent activity on an account that has been closed for XXXX. Its been 5 months that I've been waiting for the XXXX, and every time the XXXX passes I call and the supervisors have no idea what I'm talking about. They then proceed to " escalate '' the matter to the back office to which then they respond by saying I have to wait until the XXXX once again. The latest update has my credit report reflecting XXXX missed payments for XXXX and XX/XX/XXXX. So instead of erasing this account for inaccurate and incorrect reporting, they have made the late payments as recent as possible, causing my credit score to drop over XXXX points through no fault of my own. I am seeing first progress and I need them to delete this account because what they are doing is ILLEGAL.
Product: Credit reporting or other personal consumer reports

Waypoint XXXX XXXX XXXXXX/XX/year> {$440.00} XXXX XXXX XX/XX/year> {$11000.00} They added these to my credit account and this is not me. 

According to code usc 1692c ( c ) They shouldnt be contacting me they are third parties
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a predatory collection to Experian advising that the item on my credit was an error. Experian has not removed this as they are only confirming if the info belongs to myself. The item itself was planed on my credit report as fraud. I have tried to work with both Experian and XXXX XXXX XXXX XXXX XXXX XXXX but no one is looking into see if this is a valid collection attempt. - The apartment in question flooded and was unlivable after the lease was completed and went to a month to month. They were alerted we had to move and stated that was ok. Now they placed a charge on my credit fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTE : This is my third complaint to CFPB about the same issue. And my 6th dispute with TransUnion, TransUnion have yet to provide me with ANY copies of original documents ( a Original Signed Contract With My Signature ) that is my Right by FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Please be advised that THIS IS NOT MY ITEM!!!!! TransUnion are required to PROMPTLY DELETE  this Negative XXXX XXXX account # XXXX. Note : XXXX have Deleted this ITEM because IT'S NOT MINES I have filed a Complaint with the Attorney General also. Please send me a Contact with my signature on it are Delete it ...
Product: Credit card or prepaid card

Twelve months ago, a representative of Bank of America informed me that I owed {$660.00} on my credit card with the {$500.00} limit. 

At her recommendation, I allowed her to post-date twelve {$60.00} checks to be withdrawn on the fourth Wednesday of every month which is when my Social Security check was direct-deposited. 

I thought all checks had been cleared but learned in a telephone communique today, XX/XX/2018, with XXXX XXXX of Bank of America, that the last check had been returned. 

However, I still paid a total of {$660.00} on a {$660.00} bill. But, according to XXXX XXXX, I still owe them {$200.00}, which they promptly reported to all three credit bureaus. Apparently, they continued to assess late fees even though I was paying regularly. 

This is ludicrous. I did not try to avoid paying this bill. I have never avoided my financial responsibilities. And now, at XXXX, when I am barely surviving on Social Security, Bank of America is trying to get blood from a turnip. Unfortunately, the poor, elderly and disenfranchised are easy targets and today 's financial institutions have no scruples. 

Please help.
Product: Money transfer, virtual currency, or money service

This complaint is being filed against Cash App ( Block , Inc. ) due to failing to service customers and unfair practices, thus violating the Consumer Financial Protection Act ( CFPA ). Cash App has failed to take effective and timely measures to address and prevent fraud on their platform, leaving my account unprotected and vulnerable. In Addition, their dispute resolution process is was deceptive and unjust, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Cash App actions have caused significant financial loss and inconvenience, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Subject : Cease and Desist Notice Regarding Unauthorized Credit Reporting - Compliance Required Under Federal and Georgia Identity Theft Laws Dear DIVERSIFIED ADJUSTME, I am writing to formally address a serious violation regarding the unauthorized reporting of information to my credit report, as stipulated by the Fair Credit Reporting Act ( FCRA ) under XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and Georgia laws pertaining to identity theft and fraud. 

It has been brought to my attention that XXXX XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent, which is a clear violation of federal and state laws. The FCRA explicitly mandates that consumer consent is a prerequisite for such reporting activities under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In addition to federal law, Georgia state law, particularly statutes related to identity theft and fraud, emphasize the critical importance of consumer consent for credit reporting. The unauthorized access and misuse of personal information, as outlined in Georgia statutes, are serious offenses that carry significant penalties. 

I wish to make it unequivocally clear that I have not granted consent for XXXX XXXX to report any information to my credit report. This absence of explicit permission constitutes a blatant infringement of my rights and could potentially harm my creditworthiness, in direct violation of federal and Georgia laws. 

I hereby demand, with utmost urgency, that XXXX XXXX immediately cease all further reporting of information to my credit report without obtaining my explicit consent, as mandated by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) of the FCRA and relevant Georgia identity theft and fraud laws. Failure to comply within 30 days will be considered willful noncompliance and may result in legal action, including penalties under applicable laws. 

Compliance with these legal obligations is not optional but imperative. This is a demand for adherence to federal and state regulations designed to protect consumers from unauthorized and detrimental credit reporting practices. 

I expect prompt attention to this matter and trust that XXXX  XXXX will rectify these egregious violations in accordance with federal and Georgia laws, thereby respecting my rights as a consumer. 

This communication is made in good faith.
Product: Credit card or prepaid card

I have a 90 day fraud alert because my ex lives with me. I was told to put this on all three so that if he tried to get credit I would get a call at the number provided when I initiated the 90 day fraud alert. It seems like XXXX XXXX XXXX XXXX in XXXX mass and capital one in XXXX Virginia did a hard inquiry via what I see through XXXX XXXX and when I asked XXXX why they didnt call XXXX said they technically should call because they see the fraud alert but they dont have to? Are you serious! Then why is there a fraud alert on there if companies ignore it. If something is not done to reverse this because I know I didnt get calls from either company yet they do know about they alert theyll be going to court. I got letters saying I was denied which hurts my credit when if they called seeing the fraud alert they couldve avoided this.
Product: Mortgage

Servion keeps making payments to home insurance companies ( out of my escrow ) that I am not doing business with. Last year, the same thing happened. I go out and get quotes, next thing I know, I get notices in the mail that Servion has sent out a bunch of money from my escrow. I did not approve this change in insurance or tell Servion that I was changing insurance companies. This is a big problem because It takes FOREVER to even get someone on the phone to get corrected. I have been on the phone with Servion for 2 hours tonight and no one can get this straightened out.
Product: Debt collection

XXXX XXXX XXXX XXXX has been contacted several times. The last time was XX/XX/2021. As the servicer of a loan with Bayview Loan Serving now Community Loan Servicing XXXX XXXX XXXX XXXX were notified that the property attached to the loan was sold and closed out on XX/XX/2021. XXXX XXXX XXXX continued to deduct {$300.00} from my business account which created a problem of taking my money for a mortgage that was closed out. XXXX XXXX XXXX suggested talking to Bayview. I did so on on two separate occasions XX/XX/2021 and again today XX/XX/2021. At XXXX & XXXX I have spoken with XXXX, XXXX XXXX, XXXX XXXX XXXX. At Bayview, I spoke with XXXX XXXX, asset manager. Maybe my like name confuses XXXX XXXX XXXX  in the communication since I am sent back & forth between the two entities. The resolution is simple. XXXX XXXX XXXX  accept the payoff from funds received at closing on XX/XX/2021, zero out the mortgage account and refund all {$300.00} payments plus {$35.00} bank fees after XX/XX/2021 from my business account. These actions have disrupted my life and business.
Product: Mortgage

Based on our correspondence and feedback from SPS, We have questions and serious concerns that we need to address in a timely fashion from SPS and alleged Foreclosure Mill, which have change hands several of times. We totally reject to all the alleged responses from SPS. These are the reason why ( A. ) W e was not aware of Foreclosure Sale Postponed on XXXX XXXX, XXXX, We request for proof of discovery, As we know the property can not convert over the note Holder in Due Process. However based on the information on the foreclosure sale, that allegedly took place place on XXXX XXXX, XXXX. We also requested the law firm to provide proof of evidence from the Auctioneer and the courts for proof of presale and new purchase deed showing on record as new instrument. ( B ). Based on Preditory lending towards XXXX XXXX, which the loan was diflated libor rate and so since the alleged loan was transfer to XXXX XXXX XXXX/SPS Allegedly amount owed was part of preditory lending, that SPS company pursue and is now denying any activity in response to this matter. We reject to SPS claim and merit and there false allegation. However as far as we concern, the Attorney Foreclosure Law firm is in violation of the FDPCA. as debt collector and purchasing our property for gain, which falls under theft by Deception and Ultra Vires.This case is still valid due to the fact, SPS is acting now as a pretender lender, that is facing lawsuits in preditory and truth n lending, Dodd Frank. ( C. ) Returned of previous payments needs to be address, based on SPS is the third party debt collector with no license in the state of Maryland as a debt collector.Which clearly is not the Holder in Due Process, also in violation of the FDPCA against all parties /substitute Trustees/Attorney 's. Therefore all payments must be returned and foreclosure must be vacated until this thorough investigation is fully disclosed to satisfaction. ( D ). Based on Servicing Rights, which clearly does not give SPS authority to act in the position as Servicer to this property. Based on the documents receive from SPS showing the documents dedacted inlegible. Based on my credit information, the loan was paid offand discharged thru the Bankruptcy since XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the accounts listed below. The accounts were place on my credit report that seems to be fraud activity. 

XXXX. XX/XX/XXXX ally financial XXXX auto loan services-i attempted to dispute they would not removed the fraud inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX knowledge of account XXXX XXXX XXXX XXXX XXXXthis inquiry is on my credit report twice and is fraud XXXX XXXX XXXX XXXX XXXX XXXX fraud I have no knowledge of account XXXX XXXX XXXX XXXX fraud account is on credit report twice XXXX XXXX XXXX XXXX fraud account XXXXXXXX XXXX XXXX XXXX XXXX  fraud account XXXX XXXXXXXX XXXX XXXX XXXX XXXX fraud account XXXX XXXX XXXX fraud account XXXX XXXX XXXX XXXX fraud account XXXX XXXX XXXX XXXX fraud account XXXX XXXX XXXX XXXX fraud account XXXX XXXX XXXX XXXXXXXX  fraud account XXXX XXXX XXXX XXXX XXXX XXXX  fraud account XXXX XXXX XXXX XXXX XXXX XXXX fraud account
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a third party credit agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX the account number XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX
Product: Checking or savings account

I followed a promotion for BMO Harris Premier checking account on XXXX XXXX 2022. As per the promotion, if i get the direct deposit of {$7500.00} or more within the first 90 days, I will be getting {$500.00} cash back bonus. When I inquired about this bonus, BMO harris is denying me the bonus stating that my previous checking account was closed in the last 12 months. Why BMO Harris let me apply this promotion if BMO Harris was not serious to give me promotion? Moreover I already have BMO harris credit card and online acount, if i was not eligible for the promotion, BMO harris should have stated that already.