23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/24, I received a letter that you are trying to collect a debt written off and that there is no legal contract or agreement between Midland Credit Management and myself that would validate your authority to collect this debt. Without a legitimate contract or agreement, your continued attempts to collect this debt are unlawful and unenforceable. I believe that your actions in attempting to collect this debt violate the Fair Debt Collection Practices Act ( FDCPA ). 

I demand that Midland Credit Management immediately : Cease all communication with me regarding this debt, except to inform me that you are terminating collection efforts or to notify me of specific legal actions. 
Provide thorough validation of the debt as required by law, including documentation proving that I owe the debt and that you have the legal authority to collect it. 
Correct any false information you may have reported to credit bureaus, and confirm these corrections in writing. 
Failure to comply with these demands will leave me with no choice but to pursue all available legal remedies to protect my rights, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as considering potential legal action for violations of the FDCPA. 
I expect a written response from your office within XXXX days of receipt of this letter, detailing your steps to resolve these issues and providing the required validation of the debt. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX
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. 

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: Checking or savings account

Re : Complaint Against PNC Bank Regarding Unjustified Hold on Legitimate Business Transaction I am writing to formally file a complaint against PNC Bank, specifically PNC Bank XXXX XXXX XXXX, XXXX, PA XXXX for placing a prolonged and unjustified hold on a legitimate business transaction involving my business account. Despite providing all the necessary information to verify the legitimacy of the transaction, PNC Bank continues to hold the funds under the claim of fraud investigation and has informed me that the investigation will take an additional 30 days to resolve. 
Details of the Incident : Transaction Details : Amount of transaction : {$200000.00} Date of transaction : XX/XX/year> Payee information : XXXX Payer information : XXXX Reason for transaction : The transaction was made as payment for Services Rendered from Payee. I have provided PNC Bank with a valid invoice, and confirmation from the payee as evidence of the transactions legitimacy as well as the receiving name of the payment according to Payee DBA. This form of Business transaction is a Form of Business Trust transaction ( the receiver has to verify with the banker the payee and receiving name of the transaction ) as well as the sender.

Issue with PNC Bank : On XX/XX/year>, I received a notification from PNC Bank that the deposit related to the above transaction was flagged for potential fraud and was being held for review. The payer obviously provided transaction instructions sent to the banker. In cases involving a business trust, the bank needs to verify both the name of the payee ( entity receiving the funds ) and the receiving name ( often the name associated with the trusts account ) to ensure proper alignment and compliance. PNC is not complying! I immediately contacted the banks fraud department and provided all requested documentation, including the invoice associated with the transaction. Despite my prompt response and submission of legitimate supporting documents, PNC Bank has informed me via call XX/XX/year> that they need an additional 30 days to conduct an investigation before releasing or returning the funds.

Impact on My Business : This hold has already lasted over three weeks and is severely affecting my business operations. I have lost access to a significant amount of business and funds needed for day-to-day transactions since we just recently started getting business opportunities and to fulfill commitments with my vendors. As an independent contractor and business consultant, the extended hold is damaging my cash flow and causing undue financial strain.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit every now and then I checked it today and noticed my score was way down I seen an account for aspire I did not open this account I am so mad the bill is {$500.00} I lost my phone for two weeks Im assuming thats how someone got my information please help me
Product: Mortgage

During my attempt to purchase a new home and relocate for my job I applied for a mortgage with Ameris Bank. The process seemed simple enough as I was selling my current home at the time and purchasing a new home. This would be the 3rd home that I have purchased so I knew what to expect. I was pre-approved with no problems and started the process immediately, providing all necessary information to the mortgage broker and agreeing to the loan terms and conditions. Then I was taken through the under writing process. At which time I was asked for information regarding my current home. I provided the underwriter a copy of the sales contract for which I had already accepted a full price offer on my current home to be sold 30 days after I closed on my new home. 1 week prior to closing on my new home I was contacted by the mortgage broker who stated that I did not qualify for an FHA loan because I had an existing mortgage. The mortgage officer stated that in the contract " we '' had talked about he was stating that my current home was being rented so that I could qualify for an FHA loan. I explained to the under writer that this had never been the case and that my home had always been for sale to purchase, never for rent. This has now caused me to have to restart the process on a conventional loan because the mortgage officer falsified documentation. If I had falsified any documentation during the loan process I'm sure that I would have been held financially or even criminally liable. The same should happen in this case. I am not having to work with my company to obtain temporary living until this issue can be resolved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I recently pulled my credit report for the first time in a long time and I was totally unaware of these inquiries and never have I applied for anything from these companies. Im very confused and scared.
Product: Credit reporting or other personal consumer reports

To whom it may concern : According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. 
When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and its permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXXXXXX ( XXXX ) - ( XXXX ) XXXX
Product: Debt collection

I owe Synchrony Bank a debt due to a Lowes credit loan I applied for and accepted in XXXX. I fell behind on payments and was notified ( via mailed letter ) the debt was sent to XXXX  XXXX  who has now been charged with collecting payment. I have asked XXXX  XXXX  for billing statements detailing the amount owed. They, XXXX  XXXX, have refused to send records prior to XXXX. I believe they are misrepresenting the amount I owe which is the reason behind their refusal. I have already spoken with Synchrony Bank who stated they do have the records but will only send them to XXXX  XXXX.
Product: Debt collection

I have debts {$1600.00} I cant pay this it
Product: Debt collection

On XX/XX/XXXX I had XXXX XXXX install Phone and internet service. In XX/XX/XXXX, I decided to change to a different service provider. I then started to receive bills for " early termination fees ''. I contacted the company, because I never signed a contract with them and asked me to send me copy of the supposed contract. It took several months and several phone calls for them to send " a contract '' to my email. XXXX sent a copy of a contract with a digital signature. This is absolutely NOT MY SIGNATURE! not even close. I tried disputing with them and investigating with not much communication from them. XXXX turned me into collection agency and I have called and mailed several letters of dispute. 2 attached letters state that they have received my letter of dispute. They apparently do not investigate, and just ask XXXX if I owe money, they say yes, then that is it. I lose because I am an individual and they are a company. I did not sign a contract. They should not be able to collect money from a forged signature either. Also right above the forged signature, it states 24 month commitment. the fine print states different. I do not owe {$760.00} cancellation fees. I did not sign a contract! Please help!
Product: Mortgage

I bought this house in 1993. I should be through paying for it. XXXX XXXX never missed or been late. I paid {$600.00} this month and they held on to it until today. I XXXX been asking for my payout amount since XXXX. This is Freedom Mortgage. XXXX XXXX foisted me off on them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX REPORTED : XX/XX/XXXX ( 30 DAYS PAST DUE ) XX/XX/XXXX ( 60 DAYS PAST DUE ) XX/XX/XXXX ( 90 DAYS PAST DUE )
Product: Debt collection

I used to live in XXXXXXXX untile XXXX 2016, I moved out to XXXX XXXX. I made payment of my utilities bill before I left. 
XXXX ( the gas company said they sent a bill for an outstanding balance. I never received that bill in my new address. Couple of month later I saw a XXXX balance from National Recovery Agency. XXXX sold the debt and refuse to negotiate with me despite multiple attempt to address the issue and pay any balance. the debt collector put it in my credit report and refuse to remove despite not having all the correct information from me
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent numerous notices to this consumer reporting agency regarding inaccurate reporting on my credit file. There are numerous dates that dont match across all XXXX credit reporting agencies, numerous balances that dont match, and even numerous account numbers that dont match. Ive reported this information and their system only comes back to be verified. I have never received any type of investigation report, nor how the information has been deemed accurate. These items shall be deleted from my consumer file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank this is the first notice. Remove my personal information from Chexsystems. I have not consented to have my personal financial information furnished/shared with any non-affiliated 3rd party companies. This is a clear violation of Gramm-Leach Bliley ACT against I, the consumer. How are you all safeguarding my personal information? You can not share consumers information with non-affiliated companies.
Product: Credit reporting or other personal consumer reports

Recently, I reviewed my credit report and discovered several inaccuracies.

Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy in their reports.

According to 15 U.S. Code 1681i ( 5 ), if a reinvestigation reveals that disputed information is inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify the item and notify the furnisher of the changes. 

I request that you update, block, or delete the inaccurate accounts and unauthorized
Product: Checking or savings account

On XX/XX/year> I deposited a check in the amount of {$5000.00} into my Truist Financial checking account. Truist Financial informed me the check would be placed on hold to verify funds, XXXX paid the check, but Truist Financial is refusing to release the funds to me stating that the check signature and the pay to the order of handwriting don't match ( even though there are two signers on the account ), closed my account, won't return the check to me, and is demanding that XXXX XXXX XXXX request the funds back. It has been almost a month and Truist Financial still holds the {$5000.00}. This has been a great inconvenience to say the least.
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays Bank has mistakenly placed me as an authorized user on a strangers account. They are reporting this information to XXXX. When I call Barclays Bank they stated that they could not help me because I dont have information about the primary cardholder. When I contacted XXXX, they stated that I needed to contact Barclays. I cant get anywhere with Barclays because I do not know whose account they have mistakenly linked me to. I believe this happened in error because I was placed as an authorized user on my mothers account. My mothers name is XXXX XXXX. Somehow during this process I was placed on a complete strangers account as an authorized user. Please help me get unlinked from this strangers account as an authorized user and removed from my XXXX credit report.
Product: Money transfer, virtual currency, or money service

I was scammed through bitcoin for {$150.00} I notified immediately cash app and my bank. I was purchasing a ebook with login credentials. The individual blocked me right after sending. A ftc report was filed XXXX XXXX XXXX
Product: Checking or savings account

I originally sent a message to BMO asking to close my account via their website messaging function. I was told to call their call center to close my account. They were also unable to close my account for some reason. I was also told via message that my account would automatically close after 45 days of a XXXX balance. It has been well beyond that and my account is still open and they will not close via message or phone. I do not feel comfortable going into a branch given the current pandemic.
Product: Credit card or prepaid card

Original Dispute Number : XXXX [ never Got worked ] New Dispute Number : XXXX I went on a Business trip to XXXX [ XXXX XXXX ] : XX/XX/XXXX thru XX/XX/XXXX I noticed a charge for {$4500.00} [ exactly XXXX Real ] after I came back from the trip I filed a dispute on citi.com from my credit card statement page. 
During my initial Dispute there were 10+ charges from the same merchant XXXX XXXX and I disputed them all. 
The City where the merchant is located and where the card was used physically is 8 Hrs away from where I stayed. 
I stayed in the XXXX XXXX area during the entire trip which is evident from all the other transaction. 
The amount that was charged is exactly XXXX XXXX XXXX. 
https : XXXXXXXX Details on how they commit this crime. 
I suspect this is what happened to me while I tried to use my Citi Card and eventually ended up using my debit card to get cash and pay for the restaurant bill. 
https : XXXXXXXX Above website explains in detail how the criminals clone a card and Use it, even if it is a chip enabled card. 

If as a layman, I can find these information and figure out how I got defrauded, I BELIVE that the SPECIALISTs can do a much better task. 

I tried to resolve the issue with citibank several times. without any luck. 
I got the old card canceled and got a new card. I am using the current one and pay off the amount that I spent during that billing cycle. 

Citi is holding on to the fraudulent charge and charging $ 100+ late charge every month.

That is hurting my Credit score. 

Please let me know if you need any further information.
Product: Credit reporting or other personal consumer reports

The derogatory rating on my account is a serious issue. It's already led to a loan denial and higher interest rates on my existing credit accounts. This negative rating is causing me severe financial and emotional stress, which will continue until resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX to XX/XX/XXXX I have filed four disputes with Experian to correct information on my credit regarding a collections account. As of today, the only thing Experian has done is reduce the collection amount by about {$600.00} or so. 
The problem is this, the collections account was settled in court in XX/XX/XXXX for a lower amount of {$1200.00}, with monthly payments of {$40.00} starting XX/XX/XXXX until the settled amount amount was satisfied. Since XX/XX/XXXX, I have made seven monthly payments of {$100.00} to said collector. 
According to my Experian credit report the account is still in collections, the total amount due is way more than it should be and no payments have been made since XXXX. 
I have provided copies of my court document and all seven money order receipts as well as the Post Office receipts to show that I have been doing everything required of me based on the settlement. 
At this point I believe that Experian is working for the collector and not the consumer. I submitted similar documents to XXXX and they have adjusted my account. Why cant Experian do the same thing? Im not denying the collection and Ive been doing my part to satisfy the agreed payments. 

As for the collectorXXXX XXXX XXXX XXXX XXXX XXXX they are a bunch of XXXX. Whenever I call them to discuss adjusting the correct amount due, they try to make a deal with me to payoff the account right then and there, and mind you whatever the amount is that is due is what they want me to pay, so if I had say {$800.00} left to pay thats what I was being offered to pay it off. 



Thanks
Product: Debt collection

XXXX XXXX XXXX XXXX is attempting to collect an alleged debt i requested verification of alleged debt and then still received phone calls have yet to receive confirmation that the claimed debt is cleared or any other communication other than phone calls which should not have been placed to me after verification request it appears that after CITIBANK was unable to verify the debt with XXXX, XXXX XXXX XXXX, that XXXX, XXXX XXXX XXXX sold the debt to XXXX XXXX XXXX XXXX
Product: Debt collection

BMW Financial Services is using multiple debt collection services and continues to collect on an invoice that has already been paid. 
In 2016, the used XXXX from GA and now they switched to XXXX. There have been other collection services involved as well, however, I do not have access to the paper any more. 

In all these cases, we provided the sufficient evidence that the payment has been made. BMW seems to ignore that information and is switching to another debt collection agency.
Product: Checking or savings account

Huntington Bank advertised a new business checking account with a promotion : deposit {$20000.00} and keep it in the account for more than 60 days to receive a {$1000.00} bonus. I proceeded with depositing {$20000.00} when I opened the account. During the 60 days, the account was charged a management fee of {$40.00}. I promptly called and asked for a one-time reversal of the fee, which was waived. However, due to the aforementioned fee, the account briefly fell below the {$20000.00} threshold. As a result, Huntington didn't pay me the opening bonus, even though that's how they advertised the deal in the terms and conditions. I called and spoke with customer service rep and a local branch manager on a multiple occasions, but I haven't received any follow up communication or resolution of the matter from the manager that I was promised that I would get. Huntington still has my opening deposit of {$20000.00} in my account.
Product: Credit card or prepaid card

This problem is new added to the prior report made in this company during the time a report is investigation. CFPB report # XXXX. I made a payment to walmart during the investigation process CFPB is conducting. However, walmart sent an e mail that payment has not been received. That indicates that fraud is open and they disregard the complain prior placed with CFPB. I have the receipt that I paid. as stated on report # XXXX. I handed XXXX dollars to a cashier at walmart and only XXXX were added to my XXXX card. The case is obsolete. I feel exploited in every way. 
I have the recipt. Not at hand at the minute I am typing this report, but I can posted at any time.
Product: Credit card or prepaid card

On  XXXX   XXXX    XXXX  , I submitted two payments to  XXXX  USAA credit cards for  XXXX   XXXX  posting. One for {$50.00} and another for {$350.00}. The {$50.00} payment posted on  XXXX   XXXX  and was available for use on  XXXX   XXXX . The {$350.00} payment was placed in a pending status, the funds cleared my  XXXX  account on  XXXX   XXXX , but the service representatives I spoke with on  XXXX   XXXX  did not do anything to make the funds available. Because of this, my daycare payment will be late and I will be charged a lofty late fee. In nearly 8 months of having both of these credit cards, neither has ever had a hold placed on a payment for more tha n 1 business day ( hence m y reasoning for posting a payment for  XXXX   XXXX  - to give it 2 days to post ). The representative and his superviso r (   XXXX   XXXX  and  XXXX   XXXX   ) were  only able to tell me that this was standard USAA practice to place funds on a 7-8 business day hold and there was nothing they could do.