23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I attempted to make a transfer into my Kabbage business checking account using their mobile app on XXXX/XXXX. The bank that I was transferring funds from had recently changed their banking partner ( this is a XXXX XXXX XXXX  ), so the routing number had changed. I forgot about this and therefore the transfer was returned as I no longer had an account at that bank. Once I realized my mistake, I updated the routing number and attempted another transfer. Before that transfer could go through, the Kabbage app reported that my account had been locked and that I needed to contact Kabbage support. I also received an email stating that there was suspicious activity on my account and that " activities may be temporarily restricted ''. 

Upon calling them on XXXX/XXXXXXXX I was told that my account was permanently locked under suspicion of fraud and that I would not be getting my deposit back. I waited a few weeks and contacted them again via email on XXXX I was told the same via email, that my account had been permanently locked and that the funds I had on deposit would not be returned to me.
Product: Vehicle loan or lease

Every time I went to pay bill they over charged me with car payment and interest rate and they tried to open accounts and credit cards under my name
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter addressed to the 3 Credit Bureau requesting to conduct an investigation and correct the information being reported. The 3 credit bureau must validate this account in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct from erroneous reporting. 
XXXX XXXX XXXX XXXX XXXXXXXXBalance : {$230000.00}
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Contemporary Information Corp ( CIC ) XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX To whom serves as legal counsel for CIC, I am writing to inform you of serious violations of the Fair Credit Reporting Act ( FCRA ) and my rights to privacy by your company, Contemporary Information Corp. It has come to my attention that your organization has unlawfully obtained and utilized my personal information without a permissible purpose, subsequently profiting from the resale of said information, and defaming my character in the process. 

Under the FCRA, consumer reporting agencies like Contemporary Information Corp are required to have a permissible purpose for accessing consumer reports, including tenant screening reports. Despite this, it has become apparent that your company accessed my information without proper authorization or valid reason. This constitutes a clear violation of federal law and my fundamental right to privacy. 

Furthermore, your companys actions of reselling my freely available public information for profit are not only unethical but also illegal. Such actions demonstrate a blatant disregard for consumer rights and contribute to the erosion of personal privacy in our society. 

Additionally, I have reason to believe that your company 's actions have led to the defamation of my character. The dissemination of inaccurate or misleading information has the potential to harm my reputation and livelihood, causing undue stress and financial hardship.
Product: Credit reporting 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.

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I reported a scam, USAA still blamed me for the scam. They made only one attempt to contact me this week, and even after returning the call with the representative twice a couple days afterward, I received no response. They then abruptly closed my account with no explanation. I reported the fraud and they are taking credit and saying the check was returned after I requested it to be stopped. They called me once. Left a voicemail instructing that I call them back, but when I did no one answered and no one called me back. They abruptly closed my account even though a police investigation is pending.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern, This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX  XXXX XXXX - XX/XX/XXXX 2.XXXX XXXX XXXX via EXXXX XXXX XXXX 3. XXXX XXXX XXXX - XX/XX/XXXX 4. XXXX XXXX XXXX via XXXX XXXX XXXX - XX/XX/XXXX 5. XXXX XXXX XXXX - XX/XX/XXXX 6. XXXX XXXX XXXX XXXX - XX/XX/XXXX 7. XXXX XXXX XXXX XXXX - XX/XX/XXXX 8. XXXX XXXX XXXX XXXX via XXXX - XX/XX/XXXX 9. XXXX XXXX - XX/XX/XXXX 10. XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 11. XXXX XXXX - XX/XX/XXXX 12. XXXX XXXX XXXX - XX/XX/XXXX 13. XXXX XXXX - XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX-XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX , North Carolina XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Product: Credit reporting or other personal consumer reports

These Accounts have violated my rights According to FCRA. 
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 
THIS LETTER IS REGARDING THE ACCOUNTS LISTED ABOVE, WHICH YOU CLAIM IS A COLLECTION THAT I HAVE WITH YOUR COMPANY. THIS IS A FORMAL NOTICE THAT YOUR CLAIMS ARE DISPUTED. 
I AM REQUESTING VALIDATION, MADE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. PLEASE NOTE THAT I AM REQUESTING " VALIDATION ", THAT IS COMPETENT EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) SOME CONTRACTUAL OBLIGATIONS TO PAY YOU. 
PLEASE ALSO BE AWARE THAT ANY NEGATIVE MARK FOUND ON MY CREDIT REPORTS ( INCLUDING XXXX, XXXX, AND TRANSUNION ) FROM YOUR COMPANY OR ANY COMPANY THAT YOU REPRESENT, FOR A DEBT THAT I DONT OWE, IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT FDCPA 807 [ 15 USC 1962e ] ; THEREFORE, IF YOU CAN NOT VALIDATE THE DEBT, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY. 
PENDING THE OUTCOME OF MY INVESTIGATION OF EVIDENCE THAT YOU SUBMIT, YOU ARE INSTRUCTED TO TAKE NO ACTIONS THAT COULD BE DETRIMENTAL TO ANY OF MY CREDIT REPORTS. FAILURE TO RESPOND WITHIN 30 DAYS OF RECEIPT OF THIS WILL RESULT IN SMALL CLAIMS LEGAL ACTIONS AGAINST YOUR COMPANY AT MY LOCAL VENUE. I WILL BE SEEKING UP TO {$5000.00} IN DAMAGES FOR : 1 ) DEFAMATION 2 ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3 ) VIOLATION OF THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTION PRACTICES ACT. 
YOU WILL BE REQUIRED TO APPEAR IN A COURT VENUE LOCAL TO ME, SINCE YOU ARE CLEARLY DOING BUSINESS IN MY AREA. 

FOR THE PURPOSES OF Q5 USC 1692 et seq, THIS NOTICE HAS THE SAME EFFECT AS A DISPUTE TO THE VALIDTY OF THE ALLEGED DEBT AND A DISPUTE TO THE VALIDITY OF YOUR CLAIMS. 
Please Note : THIS notice is ab attempt to correct your records, and any information received from you will be collected as evidence should any furthermore ACTIONS be necessary. This is a request for information only and is not a statement, election, or waiver OF status.
Product: Checking or savings account

I am on ssXXXX ssXXXX and i use chase as my deposit account. i live in XXXX wa a very small town with only XXXX chase atm and its only available during the hours XXXX XXXX XXXX XXXX and located in the center of town. to use that atm its free but any other i get charged the fee of that atm plus chase charges a non chase atm on top of that. i should not be charged to access my funds ( gov funds ) and when i am they should credit me for it each month. chase has not been doing that, i have been a member of chase for 3 years and they have only refunded one fee of {$3.00} in that time for non chase fees. i requested a refund and have been repeatedly denied. 
also i cant use mobile banking because my phone number was exposed to a scammer and i got a scam text. i did not fall for it and knew it was a scam right away. i notified chase about this and they disabled my mobile banking and wont let me update to my new phone number without a phone call. i dont have TTY device and they refused to let me update this without a phone call I AM XXXX  and they have it noted and refuse to accommodate so i can use mobile banking while my old disconnected number is on file and cant be updated leaving my account at risk. 
they have refused me assistance in this matter repeatedly and have done nothing but request a phone call knowing i am XXXX 
they are in violation of ada and taking my fees and not returning like they should is stealing my government money!
Product: Debt collection

Other debt collectors have tried to collect money for this same issue and Ive had it removed. This company keeps refusing and has no proof this debt is mine. I have no recollection of this debt. Please remove this from my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my son went to CVS to wire {$250.00} to me. He went to the Kiosk machine and put the correct information where the money was going, my full name city and state. He then put his information. He was then instructed by the machine to go ahead to the cashier. Upon going to the cashier telling her what he was doing, she then called him by name and asked for his identification and funds, he gave her both, she then gave him a receipt, he left contacted me with the reference number, however I did n't go that day I went on the XX/XX/XXXX which is when I found out the money was n't there. I called my son and told him to go back to CVS he did, the cashier was n't at work he asked for the supervisor all while I 'm on the phone and explained what happened. The supervisor said it 's nothing he can do. So I called CVS on XX/XX/XXXX found out the supervisor name and the cashier name and explained it to the supervisor. He then told me she had been suspended for her mistake and that if it was $ 10- {$20.00} he would 've just written her up, but that a {$250.00} mistake was unacceptable, but that he nor CVS can refund me my money because they are a third party and that I 'd have to contact Money gram. He notice the mistake and admitted the cashier was wrong. And that somehow a another customer was in there earlier sending a money gram and that the cashier pulled his information. This customer lives in the same city, state and have the same zip code and the same first name as my son and lives about a mile away from us. My money was sent to XXXX. I contacted Moneygram and was given the run around for days, then was given almost 10 different numbers and people to contact at no prevail. Please help me it 's been a year. I 'm hurt and devastated about how this company has treated me so unfairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the error with Transunion, and they stated that the information was verified. I know this in not true because I called the XXXX myself and they stated they do not confirm Bankruptcy. After contacting Transunion numerous times about reporting a Bankruptcy on my credit report they refused to remove it without verification. The XXXX XXXX of Georgia does not verify Bankruptcies. I called and spoke with the court and she stated they do not confirm Bankruptcy to the credit bureau 's. I feel Transition is violating my rights, by reporting information that they can not verify.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have purchased XXXX through XXXX XXXX  company paid them off after the sell of my house and is still reflecting an open account which day refused to take off my credit report as a delinquent which they have already been paid off in full
Product: Debt collection

True Accord has violated my federally protected rights under the fdcpa. As a consumer I was never responsible nor obligated to pay a 3rd party debt collector.. I never gave true accord prior consent to contact me pursuant to 15 USC 1692g ( c ). You are now on Notice to cease and Desist communications from all mediums regarding all alleged debts from sezzle...
Product: Mortgage

We were offered a home loan modification  by Ditech. W e 've been waiting for the paperwork from them for 4 months. Every time we call to ask when we are going to get the paperwork they make up some excuse saying there is a glitch in the system that needs to be fixed. We have been making our payments and yet they reported that we have n't been and ou r credit score i s down to  XXXX . Now no other mortgage company will refinance us because of our  credit score and Ditech  wo n't update our records so we are stuck and do n't know what to do. They wo n't send us the paperwork to finish our modification and wo n't fix our  credit score  and update our records that we have been making our payments. We are stuck.
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved in XXXX and closed my Internet provider account at XXXX XXXX XXXX in good standing. I returned their equipment back to them in a timely matter. Somehow by XX/XX/XXXX the billing department sent me a refund check for {$160.00}. I called XXXX XXXX XXXX and spoke to XXXX in the billing department to report the mistake. She explained it was sent to me in error and the check would be cancelled and my account is good and closed. They mailed me a letter on XX/XX/XXXX stating I need to make a payment to them in the amount of {$160.00}. I called them on XX/XX/XXXX ( 15 days later ) and Spoke to XXXX XXXX XXXX in the billing department to clear up the misunderstanding. I never cashed the check ( I still have it ). They said my account was sent to an outside collection agency ( only 15 days later ). I explained it should not have been sent to an outside agency because first I returned the equipment and second I do not owe any money and third because I called right away to clear the matter up. I also sent them proof of the returned equipment, I sent proof I never cashed the check sent in error so there could be no way I owe them. The matter was told to me that they fixed the issue and my account was now all resolved and I did not owe any money. I then got a letter from the collection agency ERC trying to collect on the debt from XXXX XXXX XXXX in the amount of {$160.00}. I contacted the collection agency and sent them my proof of my documentation that I sent to XXXX XXXX XXXX before it was sent to them. They put the issue on hold. I got a credit report to find the collection still being reported on my credit report two years later. I contacted the collection agency in XX/XX/XXXX to ask why it was still showing on my credit report. They explained XXXX XXXX XXXX still listed me as oweing them the {$160.00} so they could only put the account on " hold '' and XXXX XXXX XXXX must correct the problem. I have been denied car loans, credit cards, and have suffered a lower credit score for over two years from this issue that was pushed by XXXX XXXX XXXX even though I had sent proof of not oweing them. I called XXXX XXXX XXXX  on XX/XX/XXXX to complain and report the harm their incorrect reporting of oweing them has had on me for over two years. XXXX and supervior in Billing acknowledge that the notes on the account shows that it should have never been sent to collection and should have been fixed several times I called in to report the problem. They keep promising to clear it up but by now i feel what was done was fraud and damaged me as a person and my credit rating all these years for and error I clear up several times.
Product: Debt collection

I have contacted the collection agency and requested documentation verifying the original contract or payments made thru any of my banking information. I made agency aware that this debt is not mine and I have never applied for an  XXXX   XXXX  credit card. The agency rep made me aware that the account was only o  pen for seven months and she does n't have the original contract which is something the original creditors can not provide in most cases. I requested if they can not provide original documentation to remove it from my credit report within 30days of notice.
<P/><P/>  Date of communication :  XXXX / XXXX / 2017
Product: Credit reporting or other personal consumer reports

I had 2 XXXX XXXX credit card accounts that were charged off and sold to collection in XXXX. I recently realized the collection accounts were still open on all 3 major credit reports, submitted by Midland Credit Management ( MCM ). MCM reported the account opened date of XX/XX/XXXX- when in fact it was charged off in XXXX. I disputed this account with all 3 major bureaus, but MCM verified the dispute to all 3 and the bureaus closed the disputes saying that MCM won. ( It is wrong they just take MCM 's word for it, rather than require evidence of the original debt! ) I called MCM to ask them to investigate and remove it before I filed complaints with the CFPB. XXXX XXXX XXXX of MCM verified verbally that the debts were from XXXX but were purchased and 'opened ' by MCM in XXXX. I explained debt collectors can not just change the date of the debt to when they purchase it. She simply offered me forms by mail to dispute the debt- they should arrive in 7-10 days. But I don't dispute the debt, I dispute MCM 's fraudulent reporting of the debt in order to keep it active on my credit reports! It is fraudulent and they know it as well as you and I know it. I would like the debts removed from all credit reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTN : EXECUTIVE OFFICE AFFIDAVIT OF TRUTH Notice to all, I am that I am, the consumer in fact the natural person original creditor, lender, executor, administrator, holder, in due course for 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 matter proceeding and I hereby claim that I will d/b/a XXXX XXXX and autograph as the agent attorney in fact so be it. 

Where as, I of age, of majority, given this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that maybe, and I depose the following facts, so be it, now present : Fact, The FAIR DEBT COLLECTION PRACTICES ACT is intended to secure my right to privacy and my privacy has been breached so be it. 



Fact, Pursuant to 15 USC 1681 ( B ) ( 2 ) I am requesting that your company produce a contract with my signature granting the permission to furnish these accounts to my consumer report. Pursuant to 15 USC 1681 no consumer report shall include factual information or credit transactions. Your company is in violation of Federal Law. Due to identity theft these fraudulent accounts have damaged my credit worthiness. 

I did not authorize the following accounts : - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX  XXXX - US DEPT OF ED/XXXX  Fact, I am sure the removal of these accounts from your company records or any and all derivatives therefore of and or with any affiliates will ensure my privacy rights will not be violated again due to my lack of consent and this herein unrebutted AFFIDAVIT OF TRUTH being serviced to you today and therefore standing as truth in commerce so be it. 

Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your website in order to avoid me receiving further injury, damages, XXXX XXXX, and losses due to me being a victim of identity theft, so be it.
Product: Credit reporting or other personal consumer reports

I have noticed that my credit report contains incorrect personal information, which has caused unknown and inaccurate accounts to appear. As a victim of identity theft, my information was used fraudulently, leading to items on my credit report that I have no connection to. Following instructions from TransUnion, I filed a report with the FTC and submitted it ; however, these fraudulent items still remain on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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