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

Former Human Resources Manager, Captured My Employee Personnel File ; And, Applied For Credit Via -- -- -- -- -- -- -- -- -- FRAUD AND ONLINE APPLICATIONS. All 3 ( THREE ) Credit Reporting Agencies, Are Reporting Incorrect Information Upon My Credit Profiles.
Product: Checking or savings account

On XX/XX/XXXX i placed ordered XXXX dollars to be sent from my Charles Schwab checking account too another bank. Before submitting i was informed that my information may need to be verified at one point to confirm the transfer. 

I tried too login again on the XXXX and was notified that my account was locked and that it will be unlocked in the following few days. I called back later in the week and was informed my account was closed due too a business decision and its possible that my funds will be kept by Charles Schwab as they have the right too keep those funds. 

I have since been calling every other day too try and get more information and they keep saying that the security department may get back to me at some point but i have received no communications of any kind from them. I have even managed too get my information verified by a tier 2 specialist named XXXX over the phone but again have not heard back I desperately need that money back and need someone to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2021 my credit scores dropped from both XXXX and Transunion 17 points with out proper reason. This is a recurring problem due to the algorithms not waiting for the month cycle to complete which always shows that I have XXXX out my balances. 
These egregious errors can cause me to pay higher insurance rates and cost me more money to pay premiums. My credit scores should be well above 800 across the board.
Product: Mortgage

I have been trying to work with nationstar and they refuse to help. I do n't like talking to them on the phone because they always change information on me so I 've emailed XXXX times now and gotten nothing in response. They wo n't take any money from me because it 's not the entire amount. I just keep getting the run around. I have faxed my paper work XXXX times and they say they still have n't received it. I 've never recieved a letter saying when the house was up for auction. Im just looking to get a repayment plan so I can switch companies.
Product: Mortgage

Hello, this form is to complain about XXXX Lending located on XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX. My lender at the time XXXX XXXX was the one helping me with my loan. To finally own my rental. He did everything to help me get to closing. I provided everything. But since I am self employed, apparently i needed a CPA to sign off on my Profit and Loss. My tax preparer was not enough. Even though she wrote a letter approving my P & L The branch manager XXXX XXXX took it upon him self to get a CPA that worked in the same building to review my documents on XX/XX/XXXX. I drove over an hour and missed work in order to make it to my appointment at XXXX.That CPA cancelled last minute. So I was stuck waiting in the office to see what else to do. XXXX decided to call his friend he said is a CPA, XXXX XXXX. After sharing sensitive documents to her. She signed off on my Profit and Loss sheet And gave it to XXXX XXXX the non producing manager in the same office. XXXX had me pay out of pocket {$160.00}. At the time XXXX XXXX did not show proof of CPA verification and said she would email it. 2 days went by and we found out XXXX hired an impostor to whom I shared sensitive information. I have been through emotional and financial distress. I've missed 3 closing dates. Because of their lack of honesty, organization, and malpractice. XXXX XXXX owes me {$400.00} total, for the loss of work, gas, lunch, {$160.00} for the fake CPA. I complained to XXXX XXXX XXXX on Friday XX/XX/XXXX after a phone call confrontation I had with XXXX about what he did. XXXX XXXX gave me the owners information. So on XX/XX/XXXX I sent XXXX XXXX XXXX a detailed email about the situation I've been dealing with this since XXXX. He totally ignored it and never reached out to me. No apologies, no updates. Instead he reached to the other manager to clean up the mess. I finally got tired of all the games. And insulting my intelligence. I hired a different lender XXXX XXXX XXXX, has been very kind, and upfront. Very professional. He requested the transfer of my file which I gave permission from XXXX and that never happened. Now that my documents are with my processor. They need more documents from XXXX in order to submit to Under Writer so I can finally go to closing. But they are not complying. And it's frustrating. I wanted to reach to you guys before taking legal actions with my Lawyer. This has been a Malpractice for hiring an impostor to whom I shared private information. I've been financially compromised and misled. I've been through Emotional and finacial distress. They have tried to outwit me. This is not fair. I want things done the legal way. I've done everything in my power to qualify for an FHA loan, which was a success. Please help me do justice.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX Credit Bureaus was XX/XX/XXXX  but no response was ever received from them to date.Thus, their action has violated the FCRA section 605b, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : EXPERIAN : US DEPT ED XXXX Balance {$310.00} XXXX : DEPTEDXXXX XXXX Balance {$0.00} US DEPT ED XXXX Balance {$310.00}
Product: Credit card or prepaid card

I have been a customer with " CHASE BANK, For 15 years. I have three Credit cards. 
One was opened in XXXX, the other was opened XXXX, and also a Business Card for 3years. However, I have never been late for a payment. To date I have aXXXX-Credit score. I always paid more than the minimal amount requested. I even paid off my balance in full. Every time for 15 years straight that I have applied for a Credit increase, for all three ( 3 ) accounts I was denied for erroneous reasons, that does not match my profile. When I call in to speak to an Agent to get clarity, I'm Told : ( you will receive a letter detailing the reseasons ). I'm strongly starting to feel discriminated against because of my ethnicity. As a consumer this is a matter that needs to be brought to light.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXX XXXX are in violation of multiple laws set forth by Congress in regards to the following XXXX  account # XXXX ... ENDING IN XXXX and XXXX XXXX account XXXX account. 

15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX and XXXX XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX and XXXX XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, EXPERIAN, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX and XXXX XXXX can not collect on a CHARGE OFF DEBT. This is now considered a certificate of indebtedness per the IRS and consumer income can not be reported. 

The IRS clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate. Please visit the IRS website that houses this information also. By Definition, the IRS clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX for the cancelled debt of { { {$12000.00} } } and XXXX XXXXXXXX for the cancelled debt of { { {$6600.00} } } in order to file as ordinary income. Where is the1099-C? XXXX XXXX and XXXX XXXX are clearly writing off debt with the IRS without sending out the 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is prohibited and unsatisfactory! XXXX XXXX and XXXX XXXX have been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXX and XXXX XXXX terms and conditions they agreed not to share my information with non-affiliates. XXXX, EXPERIAN, and XXXX are not an affiliate of XXXX XXXX or XXXX XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now OPTING OUT of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION for your reading and understanding.
Product: Debt collection

Dear CFPB, I am writing to formally file a complaint against Midland Credit Management for violating provisions of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, by repeatedly contacting me in an unlawful manner regarding an alleged debt.

Specifically, Midland Credit Management has violated the following provisions of the FDCPA : 1. **Harassment and Abuse** : The agency has engaged in harassing communication practices, contacting me at unusual hours or with excessive frequency, which is in violation of 15 U.S.C. 1692d.

2. **False or Misleading Representation** : The agency has made repeated false statements regarding the nature, amount, and legal status of the debt, which is a violation of 15 U.S.C. 1692e.

3. **Unauthorized Communication** : The agency has contacted me without providing sufficient verification of the debt, despite my requests, which is a violation of 15 U.S.C. 1692g.

Furthermore, I have repeatedly informed Midland Credit Management that they should cease all communications until they provide legally required validation of the debt. However, they continue to make unsolicited calls, which disrupts my daily life and causes undue stress. Also, I have received written correspondence ( once through the USPS and from XXXX ) from this collections agency. Each letter is misleading and is threatening to file suit against me. Midland Credit Management is unlawfully attempting to collect a debt without being properly licensed in the state of Florida. Where I reside, which violates the state 's requirements for debt collectors operating in this jurisdiction. Furthermore, they are attempting to collect on a debt where the statute of limitations may have expired, in violation of FDCPA 15 U.S.C. 1692e, which prohibits false representation regarding the enforceability of time-barred debts. I request that the CFPB investigate these violations As an individual who values fair practices in financial matters, I am reaching out to the CFPB to intervene and investigate Midland Credit Managements illegal conduct. I request that the CFPB enforces corrective measures against the agency and assists me by having the collections company remove the collections account from my credit report. 

Please let me know if you need any additional information or documentation regarding my complaint. Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

My complaint : {$130000.00} was stolen from my account with Gemini Trust Company , LLC. The money was stolen through a series of transactions starting on XX/XX/2022. I logged into my account on XX/XX/2022 and saw that my account was locked. I contacted Gemini Trust immediately. There is no way to call Gemini, so I emailed them. They told me to send proof of my identity, which I did immediately. They have not contacted me again. My account balance shows {$3400.00} as of today and my account is still locked. 

Details of the events : The first unauthorized access of my account was on XX/XX/2022 from an IP address in the XXXX. I was not aware of this access and was not notified by Gemini. On XX/XX/2022, my Gemini account was again accessed by an unauthorized user, this time from an IP address located in XXXX XXXX. The thief was able to access my account despite the fact that I had, and continue to have, two factor authentication required to login to my account. 
The thief converted {$130000.00} of XXXX ( Gemini USD coin ) into dollars and began to execute a series of unauthorized trades. The thief also sent XXXX ethereum coins ( worth approximately {$1600.00} ) into my account on XX/XX/XXXX for unknown reasons. Somehow, the thiefs trades changed my account balance down from {$130000.00} to {$3400.00}. I did not know, and was not notified by Gemini, that any of this was occurring. I did not know that there was any unusual activity occurring in my Gemini account until I logged in on XX/XX/2022. 
I logged into my Gemini account on XX/XX/2022 and saw that it was locked. I immediately opened a support ticket and was told to send in a selfie with me holding up a piece of paper with the date and a secret code [ XXXX ] provided to me by customer support. I did so immediately. I never received any response again from Gemini. I have been contacting them repeatedly since XX/XX/XXXX and have not received any further responses after the first email asking me to verify my identity. 
On XX/XX/2022 I changed the password to my Gemini account. I continued using two factor authentication. I also completely wiped my computer in case there was any malware on my computer. On XX/XX/2022 the thief was able to login to my account again, this time using an IP address from XXXX, XXXX XXXX. Clearly, despite my doing everything on my part to keep my account secure including changing my password, using two factor authentication, and even completely wiping and reinstalling my entire computer system, Gemini is still not keeping my account secure from malicious logins.
Product: Mortgage

XX/XX/2020 XXXX failed to auto pay loan.
Product: Credit reporting or other personal consumer reports

Bank XXXX XXXX XXXX : XXXX Department XXXX XXXX XXXX XXXX, FL XXXX Subject : Dispute of Fraudulent Account ( s ) Due to Identity Theft Acct # XXXX To Whom It May Concern, I am writing to report that I am a victim of identity theft, and fraudulent activity has occurred under my name involving XXXX XXXX XXXXXXXX XXXX I did not open, authorize, or have any knowledge of the account ( s ) or transactions that have been reported under my identity. 

This fraudulent activity has damaged my banking history and is preventing me from opening a legitimate account. I request that XXXX XXXXXXXX XXXX thoroughly investigate the situation and remove any unauthorized accounts or transactions linked to my name or Social Security number. 

Please consider this letter a formal dispute and request for Full investigation into any account ( s ) opened fraudulently in my name. 
Removal of all fraudulent information from your records. 
Written confirmation that I am not responsible for these accounts. 
Notice to ChexSystems and any relevant reporting agencies to clear my name. I was incarcerated when this occurred
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting act XXXX  account XXXX XXXX has violated my rights. 

XXXX5. U.S.C 1681 Section 602 A States I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 Also states a. consumer reporting agency can not furnish an account without my written construction.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Experian had completed nothing to correct my Credit Report and eliminate the Fraudulent Information totally from my Credit File. I have disputed this account and submitted complaints over and over again for how many months already but Experian Credit Bureau is not frightened to break the Federal law thus they took to be slothful and abandoned my appeals. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the XXXX XXXX  XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please delete the account below : XXXX XXXX XXXX
Product: Debt collection

I've received bills from what now is Professional Services of # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX. This is a fraudulent company that overcharges and my insurance doesn't pay the exorbitant amount which is out and out deceptive. I have records of payment made and it was {$1400.00} for this and now {$2100.00}. I am arguing my insurance has paid and this is not owed. The company has numerous addresses and I don't believe it's legitimate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to correct my personal information. The only address that is a valid address is the address that I am currently residing in and all my credit accounts on my credit reports states that I reside at XXXX XXXX XXXX., XXXX, FL XXXX. All other address which is an invalid address that needs to be remove immediately from my credit file. My name is XXXX XXXX XXXX. Please remove all other name variations IMMEDIATELY from my credit file-they are not accurate. All other address needs to be remove immediately from my credit file. All other name need to be remove from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Complaint Regarding Failure of Experian to Investigate a Dispute under the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to file a formal complaint against Experian for their failure to properly investigate and resolve a dispute I submitted under the Fair Credit Reporting Act ( FCRA ). Despite providing all necessary documentation and clearly disputing inaccurate information on my credit report, Experian has not complied with their obligations under federal law. 

I am disputing a collection account reported by XXXX XXXX XXXX XXXX, with the account number XXXX and a reported balance of {$1800.00}. On XX/XX/year>, I submitted a dispute to Experian, stating that I do not recognize this debt and requesting that they provide validation of the debt or remove the inaccurate account from my credit report. However, despite the FCRAs explicit requirement that credit reporting agencies conduct a reasonable investigation, Experian has failed to verify the information or provide any resolution. 

According to the FCRA ( Section 1681i ), Experian, as a credit reporting agency, is required to : 1. Conduct a reasonable investigation of a dispute within 30 days of receiving the dispute notice.

2. Provide the consumer with a written statement of the results of the investigation, which includes a summary of the evidence reviewed.

3. Correct or delete inaccurate information that can not be properly verified during the investigation.

4. Not report any information that can not be verified within the required time frame. 

In my case, Experian has failed to fulfill these obligations and has continued to report the inaccurate collection account without proper validation or investigation. Their actions are a violation of the FCRA and have resulted in harm to my credit profile and financial standing. 

I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that Experian complies with the FCRA and corrects any inaccuracies related to this dispute. Additionally, I seek confirmation that Experian will promptly complete a proper investigation in line with the law and provide me with the required documentation regarding their findings. 

Please find attached copies of my dispute letter to Experian and my credit report showing the disputed XXXX XXXX XXXX XXXX collection account. 

Thank you for your prompt attention to this matter. I trust that the CFPB will take the necessary steps to ensure that my rights under the FCRA are upheld. 

Sincerely, XXXX XXXX