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

On XX/XX/XXXX I spoke with a supervisor from this company that informed me a notice was sent out by email on XX/XX/XXXX that there was a debt owed to there company on XX/XX/XXXX per my credit report this company put a collections account on my credit report without giving me 30 days notice when I called the company they proceeded to inform me that an email notice was sent out not a letter by mail and that could forward me the email sent. My original debt was not with this company I have no knowledge of this company or this debt it has not been verified that I owe a debt to company and I was not given proper notice before placing a negative collections on my credit report. Per Fair Debt Collection Practices Act Any debt collector who contacts you claiming you owe on a debt is required by law to tell you certain information about the debt. That information includes : The name of the creditor The amount owed That you can dispute the debt That if you dont dispute the debt within 30 days the debt collector will assume the debt is valid That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt That if you request the name and address of the original creditor within 30 days, if different from the current creditor, the debt collector will provide you that information. If the debt collector doesnt provide the above information in the initial contact with you, the debt collector is required to send you a written notice including that information within five days of the initial contact. None of these actions were taken and my rights have been violated.
Product: Mortgage

I applied online for a refinance mortgage. I sent in my tax returns and other information the Company requested. They pulled my credit on XX/XX/2018. I still have not received any disclosures, denials or other info regarding my application.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Product: Mortgage

XXXX XXXX, takes 3 days to process our mortgage with ample money in your checking account. They reverse it the same say due to them stating insufficient funds. This has been happening for 3 months. I finally opened a second checking just for XXXX XXXX so there wouldn't be a problem anymore. Friday I withdrawn XXXX dollars from my regular checking to my new checking & made the payment. They still have yet to withdraw the money from my account and it shows on XXXX XXXX that my payment has posted. Which is confusing to me. This creating soo much financial hardship and its costing me money & throwing my billing cycle off. 

My husband has spoken with XXXX XXXX several times about this. And they will tell us our payment has posted and nothing is wrong on their end & that it may take up to 3 days to pull the money out. I am now approaching another payment next week and my XXXX payment still has not processed. Lakeview ( XXXX XXXX ) is the worst lending company. ALL Payments are processed through auto pay. I accumulating fee XXXX dollar fees every time they do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint against Equifax number XXXX, regarding their stall tactics and blatant refusal to provide me with my full consumer credit file disclosure. Equifax responded once again with a false and misleading statement about me disputing information on my consumer credit file and how they conducted an investigation. Which again, I never disputed information on my consumer credit file, I demanded my full consumer credit file disclosure. Equifax continues being deceptive and remains in violation of my federally protected consumer rights. I will be putting my state 's attorney general on notice.
Product: Credit reporting or other personal consumer reports

The accounts listed below are reporting on my file and was found in my reports with Equifax and XXXX credit reporting agency. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX XXXX & XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I was shocked when I reviewed my credit report and found late payment on the dates below on my Auto Loan and it's also reporting with multiple inaccuracies which is a state and federal violations. 

XX/XX/XXXX XX/XX/XXXX & XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 was foreclosed on during remodification process. I was led to believe that I was being processed in XXXX with documentation from the servicer with contact numbers that would not except my calls or relay me to an extension of the rep. whom was handling my case when trying to contact and follow up. Ultimately I was given a 3 day notice of eviction by the Sheriff ( XXXX XXXX XXXX @ XXXX ). I had filed for bankruptcy protection and the law firm went to court to have it lifted as I was awaiting a modification. I later was informed by NACA ( 3rd party entity ) helping with the modification that the home had been sold in XXXX XXXX. It was XXXX when I received the modification documentation. I was receiving billing statements monthly throughout this year. 

The servicer did not : Quickly resolve complaints and share information. 

Have and follow good customer service policies and procedures. 

Contact you to help you when youre having trouble making your payments. 

Work with you, if you are having trouble paying your mortgage, before starting or continuing foreclosure. 

Allow you to seek review of the mortgage servicers decision about your loan workout request. 
I am now leaving the home with a XXXX and XXXX under XXXX  circumstances.
Product: Debt collection

Comenity Bank left two voicemails for me today in which they claimed I owed because of a recent dental procedure I had. I have not had a recent dental procedure, outside of a cleaning which I paid for in full at the time. I called them back and spoke with 3 different people, only two of whom provided their names. One was named XXXX and one was named XXXX They both sounded like women. Neither would provide their last names. I explained the situation and was asked to verify my social security number and other confidential, personal information. I did not verify this information as I do not know who I 'm dealing with. Because I would not verify the information, I was told I was not cooperating with their attempts to help me and that I would continue to receive harassing phone calls.
Product: Payday loan, title loan, personal loan, or advance loan

I went to the PNC Bank located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX, on XXXX to apply for an unsecured personal line of credit in the amount of {$25000.00} and was not approved ( Not only was I not approved, but I wasn't allowed to even view, review nor give my approval before the application was submitted ). With being denied access to my securities and with the security agreement being retained even after exercising my right to rescind, they are committing securities and commodities fraud and identity theft.
Product: Debt collection

**Subject : Dispute of Account Number XXXX Dear Midland Credit Management , I am writing to formally notify you that I have no knowledge of the account referenced above and believe this account to be fraudulent. I have never opened or had an account with Midland Credit Management associated with this number, and therefore, I am disputing its validity.

Under the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ), I am exercising my rights as a consumer to refuse to pay a debt that I do not owe. As stipulated by this law, once a consumer notifies a debt collector of their refusal to pay a debt, the debt collector must cease all further communication. 

I request that you immediately remove any and all information regarding this account from your records and cease any further communication with me regarding this matter. Additionally, I demand that this fraudulent account be removed from all three credit bureaus ( XXXX, XXXX, and XXXX ) as it does not belong to me. 

I will be attaching the FTC identity theft report to support my claim. 

Please provide written confirmation that you have received this notice and that the aforementioned account has been removed from your records and the credit bureaus. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Portfolio Recovery Associates purchased my debt from XXXX XXXX in the amount of {$300.00}. The amount that Portfolio Recovery Associates is charging me is {$450.00}. PRA and I agreed to settle at {$350.00} ( more than I needed to pay ) and I paid it. They cashed a check with an agreement letter attached that states, " Only cash if you agree to delete account permanently from credit reports ''. Since calling to follow up with PRA they have told me that there is still a balance of {$100.00}, which is completely absurd. This is totally inaccurate reporting and it 's deceitful, not to mention they cashed a check on an implied agreement.
Product: Debt collection

I am not reliable for this debt with Asset Care LLC from XXXX XXXX XXXX XX/XX/2019 in the amount of {$780.00}. I have never received any proof of service after sending a letter of verification.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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 submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

This is a case of bank incompetence. I brought to the attention of the bank manager the fact I had been scammed {$9000.00} out of my savings account, and the manager did not follow proper procedures. The occurred XX/XX/2024, at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, with bank manager XXXX XXXX XXXX. The scammer was another Chase client like me. I visited another bank branch on XXXX XXXX that stirred me in the right direction, but it was too late. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, gave me different directions on how to try to protect myself, but as I said, it was too late. XXXX XXXX opened up a case for me ; this case number is XXXX. The person who was assigned to my case called me to say Chase was not responsible for the {$9000.00} I lost to the Chase Bank client scammer. This scammer was not appropriately vetted ; he opened his account with a fake ID, number XXXX, number XXXX ; when I visited the bank in XXXX the second time, XXXX XXXX told me there was more than {$9000.00} in the scammer account ; why didn't the bank freeze his account. XXXX XXXX should have called immediately instead ; he told me to get an attorney. When I visited the branch in XXXX XXXX a few days later, the scammer 's account was already in the red, and nothing could be done. Please direct your correspondence to XXXX XXXX XXXX at the XXXX XXXX branch.
Product: Credit reporting or other personal consumer reports

I requested Experian to verify an item I previously disputed, as required under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) [ 15 U.S.C 168i ( a ) ( 1 ). However, they failed to properly investigate and execute their obligation to verify accuracy of the information within the mandated timeframe. I am aware of the lawsuit CFPB has against Experian.
Product: Credit reporting or other personal consumer reports

Improper use of my report ( shared without consent, credit inquiries from unknown sources ) Reporting companies used my report improperly ( Obtained or used for purposes that arent allowed By law )
Product: Mortgage

Payment was made via phone processing Allegedly there was a delay in process The mortgage company reported my payment 30 days late
Product: Credit card or prepaid card

Someone opened a fraudulent credit card account with Sofi using my information on XX/XX/XXXX. On XX/XX/XXXX, I found out about this and called the company. I was told over the phone that the account was closed and I would not be liable for the charges, and that the fraud department would follow up. They never did. I received a notice in XXXX that a payment was due, so I called the company back. They confirmed verbally that the account was closed, but said they could not confirm in writing. They provided me with an email address and a case number. I emailed the address and never heard back. As of today, XX/XX/XXXX, I am still receiving notices about the charges being due. Further, I requested the details of the account in writing ( which they legally have to give me ), but they never responded. Every time I receive a notice, I email customer service and the fraud email address I was given, and I haven't heard back from any of the recipients. This company clearly does not take fraud seriously, and does not follow legal regulations in regards to fraud.
Product: Checking or savings account

Citibank closed my account for no reason. My account was to help people with no money around my neighborhood. The whole neighborhood XXXX me weekly so we can feed and cloth people that need it. Not sure why they closed my account and now I got no access to my money or no answers. They hung up on me twice. This money was all legit so Im confused on why they just shut my account down with no answers. I read a lot of bad reviews about citi bank and just wan na make sure I receive this money back. Thank you very much
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACCOUNT # XXXX XXXX XXXX HAS VIOLATED MY RIGTHS. 

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 WRINET INSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE I urge you to swiftly remove these fraudulent accounts from my credit report. I did not initiate or authorize them, and it is unfair for me to be held accountable. Please take prompt action to rectify this mistake.
Product: Bank account or service

I run a XXXX and we have had multiple issues with suntrust bank. Our XXXX as a result of its intrinsic natural does nothing operate even keel through out each month. We will have a $ XXXX check one day and a XXXX check another. Over 13 times suntrust bank holds a check from one of our customers for up to 7 to 10 days while this is understood to be part of the antiquated bank regulations from XX/XX/XXXX. It is devastating to our small business. A XXXX dollar check was deposited on Wednesday XX/XX/XXXX. We where told that the bank put a hold on it on Friday XX/XX/2016. And told that we could pick up the money Wednesday morning XX/XX/2016. I went this morning the XXXX of XXXX to pick up our money and it was still not available. I checked with the customer to see if the money was removed from her account and it was on Friday XX/XX/XXXX. I was also told that they would not give me cash they would only give me a certified check. Which will but put on hold as soon as I put open a new account. I also no longer trust Suntrust to produce a note of legal tender. I do n't trust that they actually have the money. This puts undo XXXX and my family as this is our only income. This XXXX is the key to open up almost XXXX in material and work for our company. We have missed some opportunities that would have allowed our business to make even more money than that in these past 7 days. My belief is that suntrust and possibly other banks removes the money for the payee 's account, uses this money to collect interest and make more money stating the banking regulations as the reason. Then clears the money verifies the check and then that money goes to the receivers account. Once there it stays on hold while that bank uses that money to make money before allowing it to show up in the account. In my mind and in my belief that is laundering. Using XXXX of consumers money to make XXXX worth of interest between banks. In that I think it is possible that just like the mortgage industry bubble popped eventually this will also be a bubble that pops. Interest on money even over 7 days over multiple accounts is a lot of money being made on the illusion of funds not actual funds. It is my belief and concern that all banking customers are headed for a rude awaking When we all find out that our banks do n't actually have any of our dollars.
Product: Checking or savings account

Disputed Charge on Debit Card with Chime Bank, after waiting 3 months for resolution I received letter saying No error occured and money would not be refunded. I purchased item online and it was never delivered. After disputed with bank I asked for documents of how they came to no error occured. The single page document they sent said they could not contact merchant via phone. They were on hold for 5 min. and never spoke to live person it continues to say. So how is it now my fault the merchant didnt respond? Also they stated it would take 3 months to complete investigation yet they only called the merchant 1 day before the 3 month time limit expired.its ridiculous
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX Account Number:XXXX Account name : XXXX XXXX Account Number:XXXX Account name : XXXX XXXX Account NumberXXXX Account name : XXXX XXXX Account Number:XXXX has violated my rights. Or 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.