23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

After office hours On XX/XX/2021, I received by mail a Schwab Bank Visa Platinum Debit Card from the Charles Schwab bank in XXXX XXXX South Dakota. I had not opened an account with the Charles Schwab bank. On XX/XX/2021, I called the customer service center number XXXX and spoke to a man identified as Charles. I explained that I had received a debit card with my name XXXX XXXX XXXX XXXX that was delivered to my physical mailing address but I had not opened the account. He asked my identification information SSN Birthdate and address and zipcode to verify my identity and once my id was established he stated that this account was opened on XX/XX/2021 with funds transferred from XXXX XXXX XXXX XXXX. He stated that I was the victim of identity theft and the account was probably opened for the purpose of money laundering. I asked him to close the account immediately which he said that he would do. Then he recommended that I follow the necessary precautions of posting fraud alerts with all credit bureaus, checking credit reports for errors with credit bureaus and consider freezing my credit and subscribing to XXXX or similar services. I thanked him and got off to phone to follow his advice. The evening of XX/XX/XXXX, I received checks and deposit slips for the account associated with the debit card. On XX/XX/XXXX, I received account verification information concerning the account # XXXX. 
It stated that the account type was a Schwab XXXX XXXX, its cash feature was a bank sweep contained disclosure delivery method was email electronic to email address XXXX. On XX/XX/XXXX, I called Charles Schwab Customer service immediately to verify that the account had been closed but I was not able to answer the security questions correctly as the person who set up the account had established the security questions. I was barred from the disclosure of any information regarding the account in my name and instructed by the customer service lady to destroy the debit card and checks in my possession and report the issue and wait. I asked to be transferred to the fraud department of Charles Schwab bank to file a report but I was informed that there was no fraud dept. of the bank.

Please help me to close this account in my name and provide me with tangible proof that it is closed, and hold the individual ( s ) who used my identity information accountable according to all applicable laws.
Product: Checking or savings account

On XX/XX/XXXX I was pulled over by the Sheriff 's Department and I was held in jail until XX/XX/XXXX. The gentleman I was arrested with got out of jail a few days after XX/XX/XXXX. He obtained my information, debit card, my phone, and all other personal effects of mine. After he received this information and items he then decided to use my bank card to shop at various retailers including debiting out cash. 
The following are transactions in which he used my debit card. 
XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX transfer/debit {$350.00} XX/XX/XXXX debit purchase XXXX XX/XX/XXXX debit purchase XXXX XX/XX/XXXX debit purchase XXXX XX/XX/XXXX debit purchase XXXX XX/XX/XXXX debit purchase. XXXX XX/XX/XXXX debit card recovery XXXX XX/XX/XXXX. Atm XXXX XX/XX/XXXX atm XXXX XX/XX/XXXX atm XXXX XX/XX/XXXX XXXX NSF fee item return. 

Over XXXX taken from me. 
Upon my release from jail on the evening of XX/XX/XXXX I immediately notified the bank, usaa, and informed them that these transactions were not authorized nor did I have knowledge of them. I explained that I had been incarcerated and that this man has my wallet, my personal information, as well as my cell phone and keys to my home. The bank refunded several of these transactions, only to debit them back out of my account a few days later. There is even one of the debit or transactions was a XXXX transfer from my account into this man 's account. This shows were he used my name, he signed my name. He took my identifying information that he had no right to do. They could not in any way shape or form explain their reasoning behind my account not being credited with all the transactions not authorized by me or done by me. I sent proof of all of my dates of incarceration and all other information they needed including my id. I spoke with them on a daily basis and was never able to resolve this with them. I called them at least twice a day for 3 weeks. I am XXXX and get a small social security check each month and what I was arrested for was unfounded and dropped not that has anything to do with my banking however what I went through in jail and then coming out to find that your only income was taken is beyond words.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2023 I have noticed fraudulent accounts and inquiries on my credit and consumer reports and other consumer reporting agencies. These fraudulent accounts must be removed permanently and indefinitely in my ftc reports its listed incorrect names addresses and employment this is grounds for removal!!! 

FAIR CARES ACT DISPUTE Law 15 U.S.C. 1681-1681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.
Product: Mortgage

When we applied for our mortgage in XXXXXXXX XXXX  XXXX and throughout the loan process which was completed in early XX/XX/XXXX we where told that our loan would include private mortgage insurance that we could have removed from our loan once certain requirements where met. 

On XX/XX/XXXX I contacted loandepot to start the process of removing PMI because our house had significantly increased in value. I was told to submit a request through email and that loandepot would respond to me within 30 days. I did not hear anything back from loandepot, so I sent them a follow up email on XX/XX/XXXX to inquire of the status of the request which also went unanswered until XX/XX/XXXX. When loandepot did finally get back to me they told me that my loan did not have PMI on it like we had been told several times during the loan process, but a fee paid to the USDA so they where unable to remove it. I sent a follow up email on XX/XX/XXXX explaining that we where told we could have it removed that also went unanswered until XX/XX/XXXX which said that they could not do anything and my loan was getting transferred to another servicing center so I would need to start the process over again once the transfer was completed. 

Again I started the process with loan depot in XXXX about the removal process, was told I would receive a letter from loan depot about it, and that they had 30 days from the date of the letter to answer my response. I did not hear anything from loan depot for 2 months, so I called them on XX/XX/XXXX to inquire of the status of the request. I was told that they where unable to remove the PMI from my loan because of the type of loan that I had, I asked to speak with someone in their escalations department because I had spent nearly six months on trying to get this resolved with no follow up from loan depot and was never told that we would be unable to remove PMI from the loan. 

The escalations department told me they would call me back on XX/XX/XXXX and that I would receive an email with contact information, I didnt receive either. I called on XX/XX/XXXX and was told I would be called back on XX/XX/XXXX. I did not get called on XX/XX/XXXX. I called this morning, XX/XX/XXXX and was able to get a supervisor to return my call in the afternoon. He told me the same thing, that I was going to be transferred to the originations department because they should have verbally disclosed to me that the mortgage insurance on the loan was an annual fee and that it would be required to be paid over the life of the loan. 

Ive been working on this for 6 months and feel like loandepot has just been ignoring my request for resolution. I feel like they enticed me into getting this specific loan when I could have gone with another company and gave me false information. Had I been told in XXXX of XXXX that it was not possible I would have refinanced my mortgage before rates went up which is now no longer a possibility because it would cost me so much more to do now. And if I had known the entirety of the mortgage insurance requirements I would not have chosen loandepot as my lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a copy of my credit report on XX/XX/18 for my personal purposes of ensuring that all account entries were reporting accurately. A week later, I received a notification from my credit monitoring subscription that 2 negative account entries were reporting on my report. To my dismay, I found that these were accounts with 3rd party collection companies that had in fact been deleted from all of my credit reports previously due to the fact that these companies were unable to verify the information that they were reporting ( See attached dispute letters ). I submitted dispute letters multiple times to both of these companies which resulted in the items being deleted. See attached credit report dated XX/XX/18 where my credit reports bore no collections. These account entries must be DELETED immediately. 

Additionally, my complaint against Experian and XXXX  is that they allowed the re-insertion of these accounts on my reports and DID NOT notify me five ( 5 ) days prior to doing so which is a direct violation of my consumer rights. Further, I have received NO CORRESPONDENCE FROM XXXX XXXX OR XXXX regarding any additional information they have to support re-inserting these entries on my credit reports. The law mandates that 3rd party collection companies have 30 days to investigate the dispute and respond with their findings. Being that they were unable to do so previously, does not mean that they are at liberty or will to reinsert these same accounts because time has passed. Blatant violation of my rights. 

Prior to hiring an FDCPA attorney for these inaccurate entries and illegal re-insertions, I am demanding that both these account entries be deleted from my Experian and XXXX reports immediately and that I am provided a copy of the updated reports for my records.
Product: Debt collection

MCM otherwise know as Midland Credit Management started unlawfully sending me collection notices on XX/XX/2022. This had been resolved in XXXX. MCM threatening again for ( XXXX ) debts that are over 7 years old. Now they are somehow harassing me when make an inquiry on current credit cards, Im placed on hold, redirected to MCM, where They claim that they didnt call me, rather, I called them. Obviously, this collection agency has found another way to harass me.
Product: Debt collection

A company called Convergent Outsourcing popped up and appeared on my XXXX credit profile and posted a debt XX/XX/XXXX. They never previously sent me any mail as an attempt to collect a debt. I never had any contract with them. They state on my XXXX report that XXXX is the Original Creditor which automatically makes Convergent Outsourcing a 3rd party Debt Collector. I owe no debit to them. There is no contract. 

I sent them and Affidavit OF Truth on XXXX XXXX XXXX and got it notorized at a local XXXX XXXX Bank by a Banker. Convergent sent me a copy of a bill statement, no contract and or rebuttal to my Affidavit. I am providing the Affidavit in the attachment i sent to Convergent, before XXXX XXXX notorized it because i forgot to make a copy after i got it done. 

My Affidavit stands as truth in a court of law. This is an illegal practice. This company violated my right to privacy according to the Privacy Act Of 1974. This company is hurting my ability to get loans, a car and credit cards at fair low interest rates which is oppressing to me and highly stressful. Them remaining on my Consumer Report is constant harassment.

15 U.S. Code 1692d - Harassment or abuse : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt
Product: Mortgage

( 1 ) Seller sold ( FHA Loan ) home without a C/0 Certificate of occupancy. It state in the contract that the home should have a C/O by the closing date. my lawyer stated that home had a c/o ( not true ). Is been 3 yrs since i bought the property located at XXXX XXXX XXXX XXXX NY XXXX. Purchased XXXX/XXXX/2012 by seller XXXX XXXX XXXX ( owner XXXX XXXX ) located XXXX ny XXXX phone XXXX Sellers Attorney : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Tel. : XXXX. The lawyer representing me was XXXX of XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, NY XXXX Phone : XXXX Fax : XXXX. XXXX XXXX XXXX was suspended for fraud. This lawyer was working with the seller to commit fraud against me. 

From my understanding an FHA loan requires a home to have a C/o in order to approve the sale. 
This sale was fraudulent in every way. Many things were promised and presented that were not accurate or true. 

i was given a roof warrantee that was not honored. Home basement has a flooding problem. Hazardous
Product: Debt collection

I received a debt collection letter from Scott & Associates, PC on behalf of XXXX XXXX XXXX. The amount is {$3100.00} and their account # XXXX. They also filed a lawsuit against me ( case # XXXX ) I called the Law Firm and I spoke in the to XXXX XXXX. I informed her that I 've never done business with this bank. I was asked for my last 4 digits of my SSN. XXXX XXXX XXXX told me that that my SSN in the account does n't match the last four of my SSN. At that point I tough that the it was the end of it but that did n't happen. They keep sending letter and sending collector to my house. I need this to stop. I sent them copy of the 3 major credit reporting agencies with ( XXXX, XXXX XXXX, XXXX ) that  shows that I have no outstanding, late payment or collection in my credit report. I sent a copy of my XXXX, A copy of my military service XXXX XXXX payment so they can corroborated the last 4 of my SSN. I also told them that to perform my duties at my job I needed a security clearance and my last SC was Finnish in XX/2016 flying colors. All this info and they still coming after me for something I do n't owe.
Product: Debt collection

I co-signed for a vehicle for an ex, went to court over the vehicle and judge instructed she had to get it refinanced, under that clause I was also not legally responsible any longer. more time goes by and i get calls from the lender, ( how are you planning on paying this, do you intend to keep the vehicle etc.. ) after explaining to them several times she wrecked the vehicle XXXX XXXX XXXX XXXX XXXX XXXX she's currently in XXXX, there was no insurance report so i'm guessing XXXX XXXX XXXX XXXX XXXX  and also wrecked it again, I also have court documentation proving my side of everything and they still charged my credit. I want this fixed ASAP.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX with XXXX XXXX. 
Despite multiple requests for correction through letters dated XX/XX/year> and XX/XX/year>, my disputes have been ignored or mishandled. This ongoing issue represents a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1681i, credit reporting agencies must ensure the accuracy of information in consumer files. In my case, this requirement has not been upheld, as the inaccurate late payment reporting has persisted across multiple disputes.

Additionally, under 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The inaccurate reporting of late payments suggests a failure to comply with this requirement, contributing to the errors on my credit report.

TILA Violations The Truth in Lending Act ( TILA ) emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has harmed my creditworthiness and violated these provisions. 
Protection Against Non-Payment of Obligations Act ( PAANL ) Furthermore, under the Protection Against Non-Payment of Obligations Act ( PAANL ), creditors are responsible for providing timely statements to prevent unfair penalties to consumers. The errors in late payment reporting on my account indicate that this obligation has not been met, resulting in undue damage to my credit score. 
Pattern of Non-Compliance The persistent late payment errors across XXXX, XXXX, and Equifax demonstrate a pattern of inaccurate reporting, causing undue harm to my credit score despite my previous disputes. 
I formally request that the incorrect late payment notations be removed from my credit report immediately, and that the account status be corrected across all three credit bureaus. Failure to address these inaccuracies will result in further escalation, including legal action and additional complaints to relevant regulatory agencies. 
Desired Resolution : Immediate removal of the late payment notation from my credit report. 
Written confirmation of the correction. 

Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I bought a living room set totaling {$2500.00} from Conns HomePlus. On XX/XX/XXXX I got an email with a payment plan saying the total I would owe them with the payment plan was {$3100.00} and I owed {$100.00} per month. I had a lot of issues signing onto to their site and getting a hold of a human when I had issues. During one of my calls the woman stated that " a lot of people were having issues with their online payments ''. They didn't allow me to pay over the phone from what I remember. I was able to keep the account up to date for awhile but I fell behind. They reached out to me about payment plan options and I talked to a person who said I shouldn't do it because the money I give them doesn't apply to my balance and will only have them agree to put the past due to the back of the loan. I fell behind further and I have an email thread of an offer I finally agreed to. After making the payment of {$170.00} they gave me in their " option 2 '' arrangement ( XX/XX/XXXX - XXXX I believe ) they told me it didn't count because I didn't do it on the phone with them. I didn't understand this since we arranged it through email. I asked for clarification and they just said I'd have to pay {$290.00} to bring my account current. Money they knew I didn't have, I already had made a {$170.00} payment. XX/XX/XXXX I made another {$75.00} payment per another agreement and they said it didn't count. 2 days later I got an email saying I haven't paid in 3 months which is a lie. I wrote back that I have been lied to, harassed and I was done with their company. I don't like to not pay my debts but I'm super limited and doing the best I can. My husband was in a coma for 4 months due to covid in XXXX and we're still facing ramifications of that hospital/rehab stay and being out of work. Since XXXX, I've gotten at least 3 phone calls a day. They use at least 3 numbers. One says Conns, one says XXXX XXXX, and one is a number out of XXXX, XXXX. They also called my adult son saying he was a contact person for me but I don't remember putting ANY contact people. He told them to leave him alone but they've called at least 3 times this last week. The phone calls are non stop. I will pay when I can but this is adding to the stress. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have placed a permanent credit card offers optout on all three credit agencies on XXXX on XXXX with refence numbers XXXX and XXXX, however on XXXX I was mailed a credit card offer with promotion checks from XXXX XXXX XXXX XXXX credit card ending in XXXX. Please look into what credit agency or if the credit card company is responsible for this error and correct with the appropriate agency to make sure I will receive no such offers in the future. Furthermore, as of XXXX I have permanently opted out once more, via phone and mail with confirmation number XXXX. Please make sure this does not happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXXXXXX XXXX  Account Number : XXXX XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ), I am disputing the following collection account that appears on my credit report : Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$350.00} Account Date : XX/XX/year> I do not recognize this account and believe it was placed on my credit report without proper authorization.
Product: Credit reporting or other personal consumer reports

This is my numerous 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX 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

Huntington Bank credit inquiry XX/XX/year> I did not initiate this credit inquiry nor did I contact Huntington Bank. 
I do not, nor have I had a loan with them.