23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Unifund LLC, sent numerous letters to two of my previous addresses in an attempt to collect a debt. The addresses that where used at the time, were no longer my residence which did not allow me to know that they had purchased a debt and where attempting to collect on it. They without me knowing filed a citation to summon me to court in which my correct address was then used, and I was made aware of the issue. I was blind sided by this ordeal and had no other option but to go to court without representation due to only having 14 days to respond. While in court I was ordered to pay Unifund LLC, XXXX, because they stated they had reached out to me multiple times, in an attempt to collect said debt, but the truth of the matter is I was unaware that Unifund LLC, even existed much less I owed them money! In the reply to my first complaint a representative states that " I insinuated they had not served me a summons '', that is not what I referred to, instead I was referring to the fact I had not been informed of a debt they were trying to collect prior to them taking legal action. Without properly being informed I was unable to make any accommodations, review any of the alleged information, or even speak to Unifund LLC, about what was going on. Every letter they sent from Unifund LLC, has previous addresses on them which made it impossible to be aware of what was being alleged, or sought after. All the documents I reviewed from Unifund LLC, either has XXXX XXXX XXXX on it, or XXXX XXXX XXXX on it. Also in the provided documents it shows the " debt '' to be sold on XXXX which is just a little less than a year, that I had been living in my current residence, as I had moved there in XXXX of XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX XXXX WI, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX WI, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX WI, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX Single family I have never lived at these addresses!!!!!!!
Product: Money transfer, virtual currency, or money service

I've been getting random withdraw transaction I tried to talk to cash app to see what was going on they was not being helpful I had lost money and ended up being locked out of my cash app account.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 

Below are the accounts I am requesting to be reinvestigated : Account Name : [ XXXX  ] Account Number : [ XXXX ]
Product: Checking or savings account

My wife and I run a small personal business out of our home. A local bank - BBVA - was who we used for a couple years now. This year that bank was purchased by PNC Banking. 
The terms and conditions of our account changed drastically- but we need to finish the year out and swap banks on the first. However, the entire year 's worth of banking information from BBVA - prior to the swap to PNC- is gone. We can not access it electronically online- they have shut down the website. We can not access it through the PNC online resources. Now - PNC- is charging us for every single month of records we want from our account. Because of tax obligations we have to reconcile our accounts. They have made the process impossible and randomly expensive. We can't even get the account information from the bank- we have to request, pay, and they will mail it later to us - per the bank teller we went to the bank to speak with. 
How can we have an account for years, the bank be purchased and WITHOUT NOTIFICATION THAT THE BANKING INFORMATION WOULD NO LONGER BE AVAILABLE - have all access to it shut down? Now only is access gated, you have to purchase access to it. 

That was not the terms BBVA operated under. If PNC purchased them, they should be obliged to honor the terms of the agreements BBVA had with its customers. How can they just turn our bank account into a revenue stream for access? 

Is literally no one in the government overseeing the purchases of banks???
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a late payment on my credit report from sunset finance and it is inaccurate and they will not removed it.
Product: Debt collection

I am formally complaining against CKSPRIMEIN Account # XXXX, a third-party debt collector, for violating the Fair Debt Collection Practices Act ( FDCPA ) and to seek monetary relief for the distress and financial harm caused by their actions. 

Complaint Details : * Debt Collector : CKSPRIMEIN * Account Number : XXXX Nature of Complaint : XXXX. Lack of Written Notification : CKSPRIMEIN Account # XXXX did not notify me in writing about the alleged debt before placing it on my credit report. This is a direct violation of the FDCPA, which requires debt collectors to provide written notice of the debt and an opportunity to dispute it before taking adverse action. 

XXXX. No Contract or Business Relationship : I have never engaged in any business with CKSPRIMEIN Account # XXXX and have no contractual agreement with them. Their claim is unfounded and unauthorized. 

XXXX. Inaccurate Reporting : The account information reported by CKSPRIMEIN Account # XXXX is inaccurate and incomplete. The balance listed on my credit report does not match any previous obligations, and the presence of " payment terms of 1 month '' is misleading and incorrect for a collection account. 

XXXX. Unauthorized Credit Report Entry : CKSPRIMEIN Account # XXXX added this account to my credit report without my consent, violating my right to privacy. They have failed to provide any evidence of my consent or their right to report this debt. 

Impact : The actions of CKSPRIMEIN Account # XXXX have significantly harmed my credit score, caused undue stress, and potentially affected my ability to obtain credit, housing, and employment. Their failure to comply with the FDCPA has also caused emotional distress and financial instability.
Product: Debt collection

On this date, XX/XX/2019 company opened a collection. 
Account # XXXX {$620.00} That I owe. 

I have never signed any written document saying that I owe this debt to the collector. 
Pursuant to 18 U.S. Code 8, I owe no debt. This company is violating my rights to privacy pursuant to 15 U.S. Code 1681b Section 2. Company has NO permission to report ANYTHING using my information pursuant to 15 U.S. Code 1681 section A, Subsection 4. 

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit reports. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I went to open a new bank account at US BANK and was informed I had a checking account charged off account with outstanding balance on XX/XX/2020. I closed this checking account they are referencing in XX/XX/2020 before I moved out of state. I asked for proof of charge off debt and account information from the bank and never received it. it is hurting my credit because they have placed me on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Funding is a fraudulent account. I have never done business with a company by this name.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX by comenity Bank. Has billed me for merchandise without sending the merchandise. Because I told them I didn't want it due to the fact, they said it could take 20 days! they have reported the balance to the credit bureaus, and damaged my XXXXredit score... they refused to send the merchandise or remove it from my bill!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am the natural person, filing this complaint. On XX/XX/2021, I sent a letter regarding inaccurate and unknown items on my credit report. To this day over 60 days later I have not received a response yet. I am starting to believe that as a consumer, I am being taken advantage of and my disputes are being ignored. I never gave you authorization to add anything on there nor did I give any creditor authorization for you'll to add to my credit report and I want it removed now!! I WOULD LIKE TO SEE THE ORIGINAL APPLICATION NOT THE ORIGINAL CONTRACT, A FULL COMPLETE AUDIT TRAIL and if you CAN NOT PROVIDE ME WITH THIS, I WANT THOSE ACCOUNTS DELETED NOW!!! In Section 611 ( a ) it is plainly stated that a failure to investigate these items 30 days gives you a reason to immediately remove those items from my credit report it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. I don't understand why the XXXX I have to keep going back and forth with you people because you keep doing some illegal and unlawful stuff to my accounts on my credit report. I, XXXX XXXX XXXX, the federal protected consumer have already sent in all of the identification needed for authorization but I will upload them again for CFPB purposes. My information was also impacted by the XXXX and XXXX data breach and may have got into the hands of the wrong person. When I spoke to XXXX on XX/XX/2021, The representative lied and said that my DL, XXXX and XXXX XXXX was NOT in my file and when I spoke to his supervisor, the supervisor said it WAS ON FILE. This is the stress I have to deal with because I'm afraid of my identity being stolen again! Plus, Under Regulation V, CRAs only need sufficient identifying information to match you to your credit profile : Name, Address, DOB. So I'm not giving you my ID, SSC, bank statement to utility bill again that can be stolen from your database again.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX/DEPT OF ED # XXXXXXXX XXXX/DEPT OF ED # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Chase Bank A vendor erroneously charged card twice. {$25000.00} duplicate charge. To preserve account good standing, I paid both amounts. Vendor has since corrected and Chase took forever to reflect credit ( almost a week ) and is taking yet another week to process paperwork and claims they need yet another week to send a check ( 3 weeks of {$25000.00} of stolen money ). I will also report to Southwest who is the credit card partner.
Product: Credit reporting or other personal consumer reports

This accoutn is reported differently across all reports and none of it is correct. I dont understand how they are willing to commit fraud. This information is wrong. The XXXX, Experian and XXXX all refuse to do their required job and confirm and correct.
Product: Debt collection

THERE WAS NOT AN OPTION THAT BEST DESCRIBED MY ISSUE ABOVE. SEE BELOW FOR COMPLETE UNDERSTANDING. 

I AM FILING A COMPLAINT AGAINST THE COMPANY MACY 'S DUE TO UNFAIR REPORTING TO THE CREDIT BUREAUS. I ACKNOWLEDGE THAT I OPENED AN ACCOUNT WITH THIS COMPANY AND FAILED TO MAKE PAYMENTS. THE LAST ACTIVITY REPORTED WAS IN XX/XX/XXXX. THE ACCOUNT WAS CHARGED OFF AT THIS TIME. ACCOUNT WAS OPENED IN XX/XX/XXXX. I RECENTLY REACHED OUT TO THE COMPANY TO OFFER A SETTLEMENT/PAYMENT AND I WAS TOLD THE ACCOUNT WAS TOO OLD TO ACCEPT ANY PAYMENTS ON IT. THE COMPANY HAS NOW STARTED TO REPORT TO XXXX LATE PAYMENTS MONTHLY AFTER THE LAST REPORTED LATE PAYMENT WAS IN XX/XX/XXXX. I DO NOT UNDERSTAND WHY THIS COMPANY IS ABLE TO REPORT LATE PAYMENTS AND I CAN NOT RESOLVE THE ACCOUNT. THIS IS GREATLY AFFECTING MY CREDIT SCORE.
Product: Vehicle loan or lease

I, the consumer, and natural person, was denied a car loan by PenFed Credit Union, In violation of 12 CFR Part 1002.

Adverse action against a consumer is AGAINST THE LAW according to 12 CFR Part 1002 of the Equal Opportunity Act. In which Regulation B protects applicants from discrimination in any aspect of a credit transaction and aspects of credit transactions include the following : Consumer credit, Business credit, Mortgage loans Refinancing, Open-end credit, Credit applications, Standards of creditworthiness, Denial of credit, Servicing and collection and Revocation, alteration, or termination of credit 15 U.S. Code 1602 ( g ), The term creditor refers only to a person who regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments. 

15 U.S. Code 1602 ( l ), The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Furthermore, because PenFed as access to my social security number, described as a credit card. I received no benefit in denying me the loan, this is proof of fraudulent activity i.e., unauthorized use. 

12 U.S. Code 1431 - Powers and duties of banks, stipulate PenFed Credit Union can ONLY borrow, and is using my social security number to create credits to fund the loan. 15 U.S. Code 1611, PenFed is willfully and knowing violation in denial of my own credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

-XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is XXXX to XXXX that this account is missing payments when this account is closed and paid in full. XXXX XXXX is repeatedly reporting fraudulent report and XXXX XXXX is fraudulent reporting the. This is repeatedly a problem.
Product: Debt collection

I am writing in response to repeated phone calls from CREDIT CONTROL LLC, with the most recent one received on XX/XX/year>. Please note that this correspondence does not constitute an admission of any debt. Over the past few months, I have been subjected to constant phone calls and harassment without any proof of debt. My requests for debt validation have been ignored, and I have not received any formal letter providing an opportunity to dispute the alleged debt. Consequently, I am submitting this complaint online through the CFPB portal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my credit report pulled today. I realized its still fraudulent accounts on my report. Ive sent in multiple dispute letters and ftc reports. It seems I must make a report to XXXX Attorney General office and FCRA or someone. Maybe I may need to reach out to the news. Please see attached Notarized FTC report and Identification. 

Following Accounts XXXX XXXX {$1600.00} XXXX XXXX  XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Department stores {$310.00} XXXX XXXX {$1000.00}
Product: Money transfer, virtual currency, or money service

So On XXXX XXXX Money was taken from my account in the sum of {$470.00} i contacted cash app who told me sorry but cant recover funds. but i can cancel card and open a new card. so i did. but when card arrived it had my husbands name on it. i contacted cash app and explained to them my situation. they explained to me that is the name they have i explained to them we share a lot of the same info. but i assure them this is my account i showed them my old card and they stated i can change the name on the card my self. i ask how they said they cant discuss this with me any more since i am not the account holder.
Product: Checking or savings account

Hello, In early XX/XX/XXXX I contacted Suntrust customer support in order to close my checking and savings accounts. This request was submitted via their online customer support chat portal, and my savings account was subsequently closed. 

I noticed on XX/XX/XXXX that a XXXX XXXX Monthly Maintenance fee was assessed to my still open checking account. I once again contacted Suntrust customer support in late XXXX via secure messaging on my account and requested this fee be reversed, and provided once again written instructions to close my checking account. 

On XX/XX/XXXX the XXXX XXXX Monthly Maintenance fee was refunded to me. Suntrust, however, did not close my checking account. Another monthly maintenance fee was assesed on XX/XX/XXXX to bring my account balance to - {$17.00}. 

I contacted Suntrust via phone on XX/XX/XXXX for the third ( 3 ) time to have them process the closure of my account. The customer support representative informed me that I would need to deposit into my account to bring the balance to {$0.00} before it could be closed. 

I informed the Suntrust representative of my repeated attempts to close the account, as well as the prior maintenance fee refund. I explained that I should not need to deposit money to rectify an issue- the account remaining open for well after i repeatedly requested its closure - that was entirely due to Suntrust 's refusal to close my account per my instructions. I informed the representative that I would be filing a CFPB complaint to rectify the issue. 

I am requesting the CFPB instruct Suntrust to close my account and reverse any of the maintenance fees assessed to my account after my repeated attempts to close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : Freedom Mortgage ( Ironic name ) XXXX XXXX XXXX XXXX, TX XXXX Background : We were selling our home and had closed on XX/XX/XXXX and were assured that the wire transfer would be received before XX/XX/XXXX. 

On XX/XX/XXXX I called Freedom Mortgage at XXXX and spoke with XXXX ID : XXXX. I was calling to make sure that if the wire transfer was received that day that there would not be a hit on our credit. The representative placed me on hold and assured me that it would not affect my credit. I was willing to make a payment but since he started as long as your closing documents show before XX/XX/XXXX. It will not affect your credit I was on the phone with this gentleman for 20 minutes to ensure there would be no discrepancies with my credit. Yet here now I have a late payment reported from this lying company that has dropped my score over 100 points!! 

Our documents clearly show that we closed before XX/XX/XXXX!! When I called in ( talked with XXXX ) I was willing to make a payment!! I even asked if I needed to send in my documents showing we had closed on that date! 

I am absoutely FURIOUS that I was lied to! I had the money to make the payment and was happy to do so!! The call with XXXX was recorded and all of the conversation and my attempts to take care of this can be heard. 

Because I had made an honest attempt to resolve this, reached out to ensure that there were no problems, and was LIED TO about what would occur next from the companies representatives, the correct thing for Freedom Mortgage would be to remove the derogatory mark from all 3 of our credit reports. They got their money! All XXXX of it!! Why would they need to ruin the lives of three people trying to get by.

I would appreciate a prompt response to this matter
Product: Credit reporting or other personal consumer reports

This is regarding CFPB complaint XXXX. This letter is my final communication regarding your claim that the information below has been verified and that the information being furnished is accurate. I informed you of the clear inaccuracies reporting including the balances and the date last active. Furthermore, I have requested your method of verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under the FDCPA. If this account is not removed from my credit report, I will be filing a statement of claim to move forward with legal action and compensation due to negligence, mental anguish, and proof of documented violation of the FDCPA.
Product: Checking or savings account

I was dealing with a delay in XXXX with Chime Supervisor and I ended up becoming very frustrated. I ended up cussing out the supervisor and calling them scammers..next day I wake up, I get an email from Chime stating my account was closed due to " security reasons. '' I know for a FACT it was that Chime Supervisor who banned my account and now Chime refuses to investigate and do anything about it.
Product: Checking or savings account

I had my XXXX token email and phone # for 12yrs yrs and there was never any XXXX fraud on my checking account before I closed my account. I told Bank of America Customer Protection Dept that they had no legal right to restrict my XXXX profile use from accessibility with other banks and requested they remove the restriction for over 3weeks now. I demand they cease and desist they restriction of my email XXXX and phone XXXX so that XXXX XXXX XXXX XXXX XXXX can register me again and that Bank of America Fraud dept hurry up and contact me back as promised to remove the restriction of my tokens that were unjustifiably put on my account with malicious intent by unknown employee.