23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I ask to XXXX, XXXX and XXXX for my annual credit report and I found out that this collection company by the name MIDLAND FUNDING with address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX with phone number XXXX have my personal information and make a report to my credit that I owned money to XXXX creditors the first XXXX is XXXX with account number on my credit report XXXX and to original creditor XXXX with the account number on my credit report XXXX. Originally I never did a contract with Midland Funding or authorized them to work with my personal information. The debt that I had with XXXX it is already too old passing the 7 years and the XXXX with XXXX is illegal because I do n't know them or did any contract or agreement with them in the pass.
Product: Credit reporting or other personal consumer reports

XXXX  installment loan XXXX XXXX XXXX XXXX XXXX have requested for sign agreement for both the apartment lease and the installment loan and have recieved no reply since 3month and they have fail to provide any other agreement sign by me and refused to remove it from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Following a review of my credit report at the XXXX, XXXX and TransUnion consumer reporting agencies, I determined that said reports contained a XXXX XXXX XXXX credit card for which I did not apply. I initially disputed the credit card account as " not mine '' and XXXX XXXX returned a response indicating that it was. Thereafter, I filed a complaint regarding potential identity theft. Not only did XXXX XXXX ignore and reject my complaint, they sent a notice of intent to initiate civil litigation. 

I filed separate disputes to XXXX, XXXX and TransUnion. Each dispute was summarily rejected as frivolous. The negative and fraudulent account remains on my credit report.
Product: Debt collection

First of all the landlord participated in the stealing of my XXXXXXXX XXXX XXXX XXXXXXXX XXXX by throwing all our belongings to the curb except my tvs and changed the locks so that I could not get them I'm seeking advice on if I can pursue charges on the landlord for theft. There is also the fact that she re rented the apartment a couple weeks if it was that long which meditation of losses relieves the past renter of paying for month to month cost of rent. I ask that they provide when she began to make money again on the apartment she evicted us from. And why was there a collections submitted for payment of the actually rent for the remainder of the lease and why is there no account for this in the balance that the collection agency is reporting inaccurately. Remove this account and the bogus collection attempt due to misrepresentation of facts not applying the laws that government meditation of losses and trying to undermind the consumer with these trucks in the hope the consumer knows no better. Show me the original copy of the rental agreement the contract that we have that allows for you to report that I owe you anything I look forward to the information on the re rental of the property and really look forward to seeing how you came up with the total and if my tv were taken and brand new what was subtracted from what I really may have owed are what I'm owed by the landlord for the theft of my property. And the locking me out to keep me from getting what was mine I attend on filing charges for theft of my property because it clearly didn't go as to pay anything I may have owed because the re rent began very soon after I was illegally evicted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act Navy Federal Credit Union. has violated my rights. Under 15 USC 1681 Section 602 states I have rights to privacy.

15 USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open consumer credit file as late for any purpose. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX of CALIFORNIA Executors and XXXX XXXX XXXX. Grantor/Beneficiary. 

I have certified mailed letters to these 3 XXXX  Offices Below. For XXXX. 
The XXXX XXXX Of California. 
XXXX of XXXX in California. 
Attorney General in California.
Product: Debt collection

i was contacted by the debt collector about my student loan debt. the first interaction went fine, but once i told them i would need documentation validating the amount of the debt, etc, the agent named XXXX XXXX XXXX, became extremely heated and rude. he told me i " could have told him this XXXX weeks ago '' and continued to speak over me and proceeded to yell at me when i asked for documentation. he started reading off my personal information to try to intimidate me and then hung up on me when i did not comply. 

all i asked for was documentation to prove this wasn't a scam and all he could do was tell me " this is not a scam '' as if i should simply take his word for it.
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 an alleged fraud or extortion. 
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: Payday loan, title loan, or personal loan

I got this loan a year ago and have since paid the original amount twice but still owe XXXX which is XXXX more than i originally got. i have already filed a complaint and my complaint number is XXXX. I noticed that the company has responded that it wasn't them. I want to add some paperwork from this company to this complaint. since approximately XXXX XXXX someone broke into my truck and took it. so they now have custody of my truck. even thought I have been paying. They keep calling and calling even though I have talked to them and explained that i could only make partial payments now because i am not working full time anymore. They refused to take partial payments and refused to give me the address to send the payment in. They have emailed me constantly as well as called several times after I have already spoken to one of  their agents. Now I see that this company is already on your list but they say it isn't them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit card with XXXX XXXX XXXX in order to establish credit. After using it and paying it off for a few months my credit was in a good spot and I was able to open a credit card with my regular bank. I no longer used my XXXX XXXX credit card and did not think much of it. 

When I got orders to XXXX I was attempting to get a home loan so I could purchase a home and was told that I was declined due to late payments on a XXXX XXXX credit card. I looked into the account and found out I had been charged an " Annual '' fee monthly from XX/XX/2018 through XX/XX/2018. I was then charged interest and late fees on these " Annual '' ( Monthly ) fees. I had not been charged anything XXXX through XXXX, nor had I used my card since XXXX or XXXX. 

I contacted the company and after much difficulty and back and forth they finally agreed to remove all charges and re-report it to the credit bureau. I have statements showing that they credited back my account and I owe XXXX dollars and also closed my account. However, they still reported me as having a late payment in XXXX. I contacted the company again today and instead of being helpful, they gave me the runaround, told me there was nothing they could do and I could contact the CFPB. 

I believe this is an extremely shady business practice. After someone stops using the card for about six months and can be reasonably assumed to not be paying too much attention to it they start charging people monthly and tacking interest and late fees onto these payments. When I got in there I owed almost {$100.00} on a credit card I had not used in six months. When I spoke to them they were very difficult and were fighting me tooth and nail to not remove these fees. They would continually tell me " Oh I can only remove one late fee, '' and then I would be persistent and all of a sudden they can remove two late fees and one of those " Monthly/Annual '' fees. I had a 15 minute back and forth with someone with what the definition of the word " Annual '' means. When I was finally put through to a supervisor they agreed to clear everything within about two minutes, which tells me this is the business practice ; Try to get people to pay them anything they can get on credit cards they are not even using. 

I am a member of the armed services and this is affecting my ability to get approved for a mortgage which means I am going to have to either eat the cost of a temporary living situation until this gets resolved or go a different direction. 

I could not more highly recommend to anyone to steer clear of XXXX XXXX XXXX.
Product: Checking or savings account

I have 3 checking accounts with Pacific Premiere Bank. One of the checking account number is XXXX XXXX XXXX. Check 619 ( attached ) was dated XX/XX/2021. XXXX XXXX XXXX and Pacific Premiere Bank processed that above check 619 on XXXX one day earlier - thus causing {$35.00} NSF fee at Pacific Premiere Bank. Check is a legal NEGOTIABLE INSTRUMENT negotiating on the exact date. Pacific Premiere Bank should have denied acceptance of the check 619 ( attached ) before the actual date XX/XX/2021. This is Pacific Premiere Bank 's willful error.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Are all in violations of 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15USC 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Privacy act 1974. XXXX XXXX two accounts are reported as charged off which are considered income and income is not legally reported to my credit report.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit card

On XX/XX/year>, XXXX unauthorized transactions were made to my Capital One Venture Card for a grand total of {$8200.00} that posted to my account on XX/XX/year>. Per Capital One, all of these transactions were made in person in XXXX, XXXX. I have never traveled to XXXX. On XX/XX/year>, I was located in the United States of America, and more specifically, in XXXX, IN. I did not authorize or make any of these transactions. XXXX Capital One 's case decision, they state that I or another account user benefited from these transactions. 

Per the Fair Credit Billing Act, these are Unauthorized Charges to my account. The law places certain responsibilities on the lender to investigate the fraudulent transactions and their cursory review does not meet the FCBA reasonable investigation requirements. As I volunteered additional information proving that I was NOT in XXXX, XXXX on XX/XX/year>, the lender declined to review this additional information and said it would have no bearing on the outcome of their decision. I have attached my GPS enabled travel log through the Everlance Application I use for my daily business travel that shows I was located in and around the XXXX, XXXX. on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently sent a fax to freeze report, used their form and faxed it over today XX/XX/ " Corelogic/Credco '' received my request for a security freeze on my consumer file and a release of my report to be mailed to me.Please send me a full consumer report and freeze my report. All I want is to have my report sent to me with pin for freeze as well.
Product: Payday loan, title loan, or personal loan

I was recently a victim of Identity Theft with several fraudulent accounts opened in my name. Shortly after putting a fraud alert on my credit report and working to close the fraudulent accounts, I received a " welcome '' brochure from WSFS bank with no other information. I called them immediately to make sure that their weren't additional accounts opened at WSFS. Customer service assured me on XXXX occasions that while there was a profile created, there was no account opened. They don't seem to have any fraud or ID theft department and were rather uninformed about banking fraud. 

2 months pass and I receive delinquent loan notices from WSFS 3rd party loan servicing partner, XXXX. I did not apply for nor accept the terms of this loan, I didn't even know about it. Turns out WSFSXXXX did issue a loan to some fraudster and WSFS did nothing to protect me or notify me. In fact, the 2 entities - WSFS and XXXX don't seem to communicate at all, particularly not about banking fraud and consumer identity protections. When I inquired, WSFS incorrectly told me there was only a profile created, no account in my name/SSN and yet they issued a large loan through XXXX. If they had better procedures and controls in place, I would have been notified sooner and perhaps they could have saved me yet another incidence of my identity being used to fraudulently open accounts/loans. Once I did learn about the loan, WSFS was completely unable to assist me. No consumer protection whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT the following collectors are in violations of my rights as an consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also FRAUDULENT INQUIRIES FROM ALL Credit Bureaus. I have provided an FTC identity theft report with the 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. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert today ( XX/XX/2020 ) that XXXX XXXX has launched a hard inquiry on your credit report. This hard inquiry needs to be removed from m account. 
In past, thousands of time I have asked to Transunion to freeze my acccount, still it is not freezed and when i again requested to Transunion to freeze my account, the call center employee did not put freeze and supported XXXX and did not even filed my dispute. 

This is severe violation by Transunion to not to file a dispute to remove hard inquiry. 

Get this hard inquiry removed and freeze my account forever. I have nothing to do with XXXX XXXX.
Product: Checking or savings account

We have been a BB & T Customer for over 20 years. The BB & T service including unrestricted access to viewing our accounts online has been very good with no complaints or problems. Recently, with the finalizing of the merger of BB & T and SunTrust into the new entity Truist, we tried to access our checking accounts online.

Before we can access our accounts online, we must first " agree to '' or consent to a Truist Electronic Signature Consent, which among other items forces us to " agree to '' receiving monthly statements electronically, something we do not want to agree to. The Truist Electronic Signature Consent, states that after we agree to receiving monthly statements electronically, we can change our preferences ( opt out ) and received printed copies of our monthly statements, although the Truist Electronic Signature Consent further states that we " may be charged a fee '' for " opting out of electronic delivery of monthly statements ''.

If we do agree to or consent to the Truist Electronic Signature Consent, we can not log into and view our accounts online, something we routinely did with BB & T for many, many years with no issues or constraints. Essentially, Truist is now forcing us to " agree to something we do no agree with '' prior to allowing us access to our online accounts and implying, or in fact threatening if we subsequently opt out of the electronic delivery of monthly statements, we could be charged a fee. We are currently " locked out '' of our online access because we are reluctant to being forced to agree to something we do agree with, as part of the Truist Electronic Signature Consent. Again, no such constraint existed last week before the finalization of the merger when we could routinely access our BB & T online account. 

This process just went into effect on or about XX/XX/2021 and numerous calls to the Truist customer service phone line and discussions with Branch personnel indicated that there is nothing they can do about this Truist Electronic Signature Consent policy. 

Attached is a letter I forward to the Chairman and CEO of Truist on XX/XX/2021, expressing both our surprise and disappointment with this coerced Truist Electronic Signature Consent policy, which again is now preventing from accessing our online accounts. 

Can Truist force us to agree to something we do not agree to with an implied threat of a fee, if we first agree and then opt out, in order to access our online checking accounts?
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. 

FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Vehicle loan or lease

I went to the dealership to apply for an auto loan on XX/XX/2022 and was denied due to credit.
Product: Credit card or prepaid card

The credit card processor account offerred by the banks to accept credit cards, has a blacklist called MATCH which unfairly prevents individuals and small businesses from accepting credit cards. The banks use this list ban anyone for any reason.
Product: Credit reporting or other personal consumer reports

I HAVE PREVIOUSLY DISPUTED ( Bankruptcy XXXX  XXXX / Reference number XXXX ) WITH EXPERIAN, AND IN RESPONSE, EXPERIAN VERIFIED THE ITEM AS ACCURATE, STATING THAT THEY HAVE VERIFIED THE INFORMATION WITH THE COURT. I CONTACTED THE COURT, AND THEIR RESPONSE IS ENCLOSED. IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER : THEREFORE. YOUR INITIAL RESPONSE VERIFYING THE ITEM WITH THE COURT WAS EITHER AN ERROR OR A LIE. EITHER WAY, THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 16811 ), AND THE INFORMATION MUST BE DELETED IMMEDIATELY. I EVEN CONTACTED XXXX AND ASK THEM IF THEY VERIFY THE BANKRUPTCY WITH EXPERIAN AND THERE ANSWER NO THEY DID NOT VERY IT WITH EXPERIAN BECAUSE THEY DONT HAVE IT ON THERE REPORT AND EVEN THEY DID DISPUTE IT WITH EXPERIAN TO REMOVE IT. Still, EXPERIAN DID NOT RESPOND TO XXXX!! ACCORDING TO XXXX THE BANKRUPTCY IS UNVERIFIABLE AND HAS TO BE DELETED FROM EXPERIAN REPORT... PLEASE FIND THE ATTACHMENT FOR MORE INFORMATION. EXPERIAN really did not reinvestigate they lied on an official document saying they did investigate but they did not do and I have evidence to prove my case, I HAVE PREVIOUSLY DISPUTED THE BANKRUPTCY XXXX  XXXX WITH CFPB FOR XXXX AND BECAUSE XXXX INVESTIGATED THIS MATTER THE RIGHT WAY! XXXX WENT AHEAD AND REMOVED IT AND DELETED IT FROM MY CREDIT REPORT BECAUSE THE BANKRUPTCY ON MY CREDIT REPORT UNVERIFIABLE, ACCORDING TO THE CFPB WEBSITE, What happens after you send in your dispute The credit reporting company investigates The credit reporting company you sent the dispute letter to must investigate your dispute, forward copies of relevant documents to the company that provided the information about you, and report the results back to you. A credit reporting company is not required to take action about disputes that are frivolous. The company must send you a notice explaining that it has decided the dispute is frivolous, and the notice must be sent within five business days after it makes the decision. The information furnisher makes corrections and notifies all the credit reporting companies After correcting information about you, the information furnisher is responsible for notifying all the credit reporting companies about the corrected information. Then, the credit reporting companies update your credit reports. The information furnisher might determine the information about you is accurate and should not be updated or removed. In that case, you can contact the credit reporting companies again and ask them to include a statement explaining the dispute in your credit reports. The statement is then added to your file and provided to whoever requests your credit report in future. 

BEST REGARDS XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I received a payment for goods I sold for XXXX and square took their fee of {$250.00} and have decided to hold my {$24000.00} for no specific reason its been over 180 days and they have still refused to release my funds.