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

FEDERAL LAW REQUIRES THE AGENCIES TO RESPOND WITHIN 30 DAYS, AND THEY HAVE YET TO RESPOND, BECAUSE OF THEIR FAILURE AND ACCORDING TO THE FEDERAL REGULATIONS THE CREDIT REPORTING AEGENCIES SHALL BE INVESTIGATED BY THE Federal Trade Commission ( see 15 USC 41, et seq. ). 

Upon multiple notices to the credit agencies, I have stated I am a victim of identity theft, I HAVE SENT DOCUMENTATTION PROVING I AM A VICTIM OF THEFT. I have sent documentation that included an FTC Report as well as a Police Report. The credit agencies have failed to follow FCRA 605B ( 15 U.S.C, & 1681 c-2 ) which states that this information must be removed within four business days. I HAVE SENT LETTERS TO ALL THREE CREDIT BERUEAS ON THE FOLLOWING DATES XX/XX/2021 & XX/XX/2021 I have also asked that the credit agencies refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C, & 1681 c-2 ) which states that this information must be removed within four business days. I have demanded them to remove the items stated below XXXX. Identity Theft XXXX Account Number : XXXX XXXX. Identity ThefXXXX XXXX Account Number : XXXX XXXX. Identity Theft XXXX  Account Number : XXXX Account Number : XXXX XXXX. Identity Theft XXXX XXXX XXXX XXXX  A Account Number : XXXX
Product: Debt collection

Midland Funding LLC started attempting to collect a debt in 2014. They claim I owed them {$1200.00}. They are reporting this on my account plus adding interest they have also stated they will be levying my bank. I have never had an account wit this company. I called Midland Funding 4 times in the three months to attempt rectify the situation to no avail. Every time I call them they are saying that their court officer, XXXX XXXX is handling the case and they have n't been able to contact him. I have not been able to contact him either and I 've tried calling several times. His account is having a very negative impact on my credit. It prevented me from obtaining a home mortgage and I 've called them and explained to them that I needed to take care of this account.
Product: Credit reporting or other personal consumer reports

To whom this may concern I have recently received my credit reports and noticed that an account was still on XXXX of my XXXX of my consumer credit reports, but has been removed from XXXX report I am writing this letter to dispute the following account : XXXX XXXX XXXX XXXX These credit agencies and this collection agency XXXX XXXXXXXX XXXX XXXX  are both in violation of 15 USC 1692g as well as FCRA1681, Section 609. Section 610, Section 611. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt by law it is required for me to do so not verified as your company keeps stating. I do not validate this debt. I must be given the original contract with my signature on it. Therefore, the following account must be deleted from my report as required by law. Failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] This company has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 C & 1099A from the accounts that has been charged off. ( 1099 OID ) The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud. The company Experian are supposed to show proof of this account being verified which is required by law. According to 1681 ( i ) a the law states that before your investigation is completed the item in dispute must be deleted for my report. The item was never deleted before the investigation is complete. This not happening was also a violation of the law. I do not consent to a computer-generated response nor the XXXX XXXX, show valid proof.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXXXXXX XXXX has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX  has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXXXXXX XXXX has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX/DEPT OF ED , has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX - XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX has violated my rights. In Accordance with the Fair Credit Reporting act, XXXXXXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, DEPT OF ED/XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. STATES I have a right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Student loan

I have been having issues with this Navient since XXXX of XXXX. They are not willing to assist me with lowering my payments. I had previously requested that they cease phone communication because they call and never help me. When I did try to set something up, all they do is just move the past due amount to the end of the loan to the principal so that they can charge more interest. I never had an issue paying my loans with Navient when my bill was affordable at {$280.00} a month. However, they decided to increase my payment by {$100.00}. Which I can not afford. Each time I explain that I pay bills that are not in my name, they do not take that into account. I have kids, and bills that I have to pay and have to budget every month. Unfortunately I do not have extra {$100.00} a month to pay. Today XX/XX/XXXX a collections agent called me and explained that I am past due, which I am aware because I can not afford the monthly payments. I explained to the customer that I told them to cease calls last time and the agent began to rudely explain that they gave me money and how are they going to get their money back. Being extremely rude, really upset me because all I have been trying to do is get an affordable monthly payment to pay off my debt. All they want to do is cause me to be past due and mess up my credit. Navient in no way is trying to help me and I can not pay them unless we can come to an agreement that I can afford. I would be happy to pay {$280.00} a month like I was promised by an agent back in XXXX XX/XX/XXXX but the agent LIED!!!!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices which violates the consumer financial protection act ( CFPA ) specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform. Leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to say I called Each credit reporting agency spoke to their consumer relations department and asked about the student loans I have on my report 12 as a matter of fact 2 for each loan I have they all agreed that yes in fact each loan was reporting twice and that they would have wait on XXXX to tell them there is an and the accounts should be removed how is that possible given that XXXX was given a set of rules " Metro 2 '' Guide lines section 8 of that guide line for student loans says : " For Multiple Disbursements of the Same Loan Combine multiple disbursements into a single account.

Retain the origin

al Consumer Account Number. Retain the original Date Opened of the first disbursem
ent.

Increase the Original Loan Amount, Current Balance, and Scheduled Monthly Payment Amount ( when in repayment ) to include totals for all disbursements '' Then even gives and example on how it should report just in case the company on the other side can not read I guess. 

So how is it that XXXX XXXX XXXX And Equifax are not aware of the rules or is it they just dont care as to the harm they are causing according to the FRCA '' Asarule, itsillegaltoreportinformationthat youknoworbelieveisinaccurate.Youhave reasonablecausetobelievethatinformationis inaccurateifyouhaveknowledge, otherthan allegationsfromtheconsumer, thatwouldleada reasonablepersontodoubttheaccuracy oftheinformation.FCRASection623 ( a ) ( 1 ) ( A ) '' Are the Willfully Non Complaint UNDER THE FCRA and dont care that they are causing undue harm to myself and my family or are the just untrained and lazy?
Product: Debt collection

I had an account on my credit for {$280.00} from  XXXX   XXXX   XXXX . The account was removed from my credit due to a dispute. The collection agency assigned to this debt was  XXXX   XXXX   XXXX  (  XXXX  ) account #  XXXX .  XXXX  sold this collection account on  XXXX / XXXX / 2017  ( approximately  ) t o  XXXX   XXXX   XXXX   XXXX ,  XXXX   (  account number  XXXX   XXXX  ) and they have placed a new account on my credit in the amount of {$1500.00}. How can they increase an amount by 5 times the original amount? I am confused. Then, they sent a  XXXX  page demand letter with payments equaling a car payment. The letter did not comply with all the regulations required by the CFPB. They placed this on my credit report as new debt with the increased amount that I never owed them on the original company. This company has been harassing me with calls and demand letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am that I am, a citizen of heaven, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name, XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent, attorney in fact. I am a federally protected consumer pursuant to 15 USC 1681. I did not give permissible purpose to furnish this fraud on my consumer report file. These violations results in {$1000.00} for each to be paid to the consumer.Pursuant to all the facts I stated above, here are my written instructions as to what I, a consumer in fact want removed from my report immediately. I also DO NOT authorize any automated response or e- Oscar verification method.If all the accounts listed above arent removed in 30 days as stated in 15 U.S. Code 1681i ( 1 ) ( A ) which directs you on what to do when investigating a consumers file for accuracy without the proper investigation practices Pursuant to 15 U.S. Code 1681a ( e ) which I quoted above ; I the consumer will seek remedy under 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ) Civil liability for willful noncompliance.
Product: Checking or savings account

On XX/XX/2023, I submitted a claim for the amount of XXXX. The claim was credited than reversed due to JP Chase stating that " they could not get a hold of me via phone call and didn't have the date of the situation '' They did not use another mode of communication such as Email or postmail to inform me that they needed to speak with me further. Furthermore, they stated the reason the claim was reversed was that they needed the date of when the situation happened, and during the initial processing of claims, I verbally told the claims agent the date. They even closed out the claim. I called to reopen the claim and submitted the documentation as proof. Four claim agents stated they would look into it further. My account remained in a negative state for over 3 weeks. I continued to get calls for me to take care of the overdraft fees and negative balance in my account. I informed them that the claims department made the error and needed to be corrected and I do not owe money on the negative balance. I have told this several times when Chase Bank called me several times to take care of this issue of the negative balance. 
When I informed them that I would go ahead to submit a complaint to CFPB, a manager from the claims department began to be very aggressive and authoritative towards me in his tone, and he informed me that he would not reverse the claim, it is final! '' in an elevated tone, belittling tone, and abusive tone
Product: Credit reporting or other personal consumer reports

TO WHOM THIS MAY CONCERN, I AM A VICTIM OF IDENTITY THEFT, THE ACCOUNTS LISTED BELOW ARE NOT ANY COMPANIES THAT I HAVE APPLIED FOR CREDIT FROM. THEY ARE ALL ACCOUNTS OPENED WITHOUT MY KNOWLEDGE OR PERMISSION. THEY ARE FRADULENT AND NEED TO BE REMOVED IMMEDIATELY. I HAVE FILED THE PROPER DOCUMENTS WITH MY LOCAL LAW ENFORCEMENT AGENCY AS WEL AS THE FTC. I AM PROVIDING YOU COPIES OF THESE ITEMS TO SUPPORT MY CASE. SO WITH ALL THAT I HAVE MENTIONED AND THE SUPPORTING DOCUMENTATION, YOU MUST FOLLOW THE LAW AND REMOVE THESE ITEMS ACCOUNTS TO REMOVE XXXX  : # XXXX {$260.00}
Product: Mortgage

I have a mortgage through 5/3 Bank. I also have auto pay though THERE bill pay set up through 5/3. My mortgage get auto paid every month on time. Now I am recieving phone calls that I am behind on payments. I have gone to the bank numerous times but no one can tell me what is going on and I can not get an answer. I have proof of my auto withdrawls for every month for the past 2 years. All the bank employees can tell me is for some reason all your money is being held in an escrow account but no one can answer us as to why. Now 5/3 has dinged my credit for 2 missed payments. I have been trying to resolve this through 5/3 for over 6 months and still nothing. Every statement I have attached shows 5/3 bill payment so very confused how it can be late if its auto paid through there own bill payer.
Product: Money transfer, virtual currency, or money service

XX/XX/2023 I paid XXXX for an apartment I never got the keys for. I was coerced into sending the money friends and family because XXXX XXXX and XXXX XXXX created a sense of urgency saying that the quicker they recieved the money the quicker I would recieve the keys. I sent them the money friends and family, signed a lease and never got the keys to the apartment. I called the XXXX Sheriffs office and XXXX XXXX ( the lady who formulated the lease ) has an active warrant for scamming me out this {$3200.00} and when they catch XXXX, XXXX will be criminalized as well. Right is right and wrong is wrong. I paid for a service and never received the service. Justice in the court of law will be served to these XXXX girls and Im expecting PayPal not protect this girl and her scams. I am requesting that this money is charged back from her account and returned to me.
Product: Debt collection

This company has violated several practices pursuit the FDCPA ( Fair Collection Practices Act ). I am demanding a XXXX XXXX as this company is reporting negatively on my credit file. This company needs to remove this file from all reporting XXXX XXXX asap and I demand the following be sent to me asap if it is not removed. 

XXXX XXXX XXXXI demand you stop all illegal negative reporting to any and ALL consumer reporting agencies and remove from my file NOW*** ***XXXX XXXX*** ***Check for {$5000.00} for all Violations under FDCPA as of this notice and have it sent to my name and address listed above. *** ***XXXX XXXX XXXX*** ***INVOICE FOR WHEN VECHILE WAS SOLDXXXX
Product: Mortgage

Received letter dated XX/XX/22 from Truist Bank that our mortgage will no longer be automatically paid/withdrawn from our bank account. The date is the same day the mortgage was due to be paid. So the mortgage was not paid in XXXX as expected. Received no advance notice from Truist. Their merger has been a nightmare for customers of BB & T and SunTrust. Heard nothing but negative from people I know. 

I will be contacting Truist on Monday, but want to submit a formal complaint. Thank you.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX Utah, company without a form XXXX XXXX or my knowledge or consent, sold nonpublic personal information of mines to a collection agency out of XXXX Texas named Lockhart, Morris, and Montgomery. 
Violating Title 15 U S C 6802 Cornell Law.

A financial institution shall not directly or through an affiliate disclose to a non affiliate third party ANY nonpublic personal information. Without my knowledge, consent or other make it known to consumer Clear and Conspicuously. It must be at the time the dealings or relation begins. 
Lockhart Morris and Montgomery does not hold a original promissory note or contact. I ask them to provide my signature saying I agreed to pay them and they could not produce it. There was never a contract between myself and the collection agency/ third party. 
I would like XXXX XXXX and Lockhart, Morris, and Montgomery deleted for all eternity from my credit files. XXXX, XXXX, and XXXX. 
This is the second or third time I have made this complaint to CFPB. They are clearly in violation of USC TITLE 15 Trade and Commerce. Cornell Law, and the truth and lending act. Also someone forged my signature on that contract. I can prove it to. Recently XXXX XXXX agreed to a class action settlement and I received two checks for a small amount in the mail. I have not chased them. Those checks are a admission to guilt like it or not therefore the account on my credit files should not be on the files any longer. At this point I am seeking not only the account be removed but I am also seeking damages and a written apology. My telephone number is XXXX. If it can finally be solved they are free to call me. If taken lightly as everything else I will see them by way of attorneys who will not settle easily. I am also willing to take my allegations to the media and let more people get to speak there truth. I am so frustrated with how this has accurred, it's affected me, my family, and my character in the eyes of other people and I am ready to deal with it. By the way CFPB when I filed with you before they never, wrote, called, or anything just business as usual
Product: Credit reporting or other personal consumer reports

There are UNAUTHORIZED and FRAUDULENT inquiries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). I am not the one who initiated these inquiries. I am submitting a complaint regarding these inquiries and for assistance to REMOVE them from my credit report immediately. 

Do not close my complaint and ask for proof of my identity because all the attached letters have my ID and Proof of Address in it. Thanks!
Product: Debt collection

They contacted my husband about my debit dont know how they got his number and gave him information on my debit that he has nothing to do with his name or phone was not on account they never contact me they are calling other people that know me XXXX XXXX  cause problems between me and my husband
Product: Debt collection

I had applied for and used an Amazon credit card that was serviced through Chase Bank. 

About two years ago, I closed the card and put it into repayment. I made on-time payments every month and did everything I was supposed to as a customer. I paid off that credit card a few weeks ago by paying a lump sum. In the process of paying that account off, I spoke with three different people who assured me that no further payments were going to be withdrawn from the checking account I had initially authorized, and no further interest was going to be charged to the payment account. 

About a week after I paid off the card, Chase applied another interest charge to the account. I had to call and have the interest payment adjusted and removed from the account. 

Yesterday, Chase Bank took another {$49.00} out of my checking account. I did not authorize this payment. In fact, I explicitly spoke with numerous people to make it clear that any further payments out of my linked account were unauthorized. At no point during that process was I ever sent to appropriate department to cancel the rest of my payments. Now that my checking account is nearly overdrawn, and a XXXX-dollar bank is wrongfully in possession of my money, I can't get a straight answer about when I can expect the stolen funds to be returned to me. 

One Account Supervisor promised that they were going to send me an email so that I could confirm that I wanted electronic deposit. The next account supervisor then informed me that " it was possible '' I could receive an email confirming that I wanted electronic deposit, but if I didn't, I could expect a check in the mail in the next 7-10 business days. 

No other bank has ever been this unresponsive to my needs. They act as though they've done me some great favor, but I'm really disappointed and excited to tell people not to use their services.
Product: Student loan

IN XXXX I CHECKED MY CREDIT REPORT AND NOTICED THERE WERE XXXX STUDENT LOANS ON THERE. I HAVE NEVER HAD ANY STUDENT LOANS EVER! I DISUPTED IT WITH ALL THREE CREDIT REPORTING AGENCIES AND THEY SAID IT WAS MINE! I FILED A REPORT WITH THE FEDERAL TRADE COMMISSION AND TOLD THEM I BELIEVED I HAD BEEN THE VICTIM OF IDENTITY FRAUD. 
I AM XXXX XXXX XXXX AND ON SOCIAL SECCURITY. I CAN NOT AFFORD TO TAKE OUT A STUDENT LOAN AND EVEN IF I COULD AFFORD TO I SURE AS HECK AM NOT GOING TO GO TO COLLEGE AT XXXX!!!!! 
I HAVE SENT A CERTIFIED LETTER TO CENTRAL RESEARCH IN XXXX REQUESTING A COPY OF ALL THE INFORMATION ON THIS, BUT AS OF TODAY, I STILL DO NOT HAVE IT. PLEASE HELP ME GET THIS RESOLVED. MY CREDIT IS VERY GOOD, I PAY MY BILLS, BUT I CAN NOT AND WILL NOT PAY FOR SOMETHING I DID NOT ASK FOR OR RECEIVE.