23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Midland Credit Management for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, which is XXXX XXXX, whether implied or explicit. Please provide me with documentary evidence of the obligors indebtedness. Documentary evidence is not a copy of statements from the original creditor, I require original copies of the consumer contract with my signature in addition to all pertinent information as applicable under law. This company is in violation of several acts and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. I will not make any or future payments to Midland Credit Management under their threat, duress, and coercion, due to the undue influence of them placing this illegal and unlawful account on my consumer report. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Midland Credit Management, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Midland Credit Management continues its collection efforts, I will file for litigation for actual damages caused by XXXX, XXXX XXXX  and Midland Credit Management. They shall be liable for violations of TILA, FCRA, FDCPA, GLBA, CFPA, the XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX FTC XXXX and RICO Act. Additionally Midland Credit Management has previously attempted to take me to XXXX XXXX in XXXX  and the case was dismissed because of their failure to appear, also the statute of limitations on collections for the State of South Carolina and Kansas, where they are incorporated is 3yrs. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit card or prepaid card

Please reference last complaint # XXXX Attached is my latest correspondence : Citi, I had a conversation withXXXX XXXX On Wednesday The XXXX of XXXX. I informed her I was out of state and in the car that I would be back in NY and follow up with her then. Maybe, since you record all conversations you should review this one. 

XXXX XXXX initially would not give me her last name and said they are not provided with an employee identification number. She also said she needed to run a HARD inquiry on my credit report to initiate the claim. If this is correct that is fine, but i have not had this done before as I have just had my credit line increased by Amex and there was no Hard inquiry. I also asked to speak to a supervisor which XXXX XXXX replied that it was her. Please have someone contact me relating to this issue and reopen my inquiry. 

Thank You, XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2024 I attempted to withdraw money from my " Accelerate Savings Account '' ( XXXX  ) at Citibank. When I attempted to wire the money to another bank account ( In my name ) I received a popup with " Error Code XXXX '' that had instructions to call Citibank because my account was now locked. I called the number on my screen. I was then told I had the wrong number and that the people in the location that I called couldn't help me. 

After finally reached the correct department the rep recommended we try again. So, I tried it again and got the same error. The rep then asked if I had alternate ways of transferring the money i.e. ACH. I told him that Citibank doesn't work with my bank so that wasn't possible. We went back and forth for a moment before I asked about the wire transfer again and the support rep began rambling about wire transfer scams. I interrupted him and said I knew what they were. Then, the support rep said that he thought I was being scammed. I replied " How can I be getting scammed if I'm sending money from My First/Last name to My First/Last name? I'm sending the money to myself. '' He only hesitated for a second before jumping back into his scam script. XXXX or whatever fake name he gave me is persistent, I'll give him points in that category! Anyway, I told him that this wasn't a scam. I informed him that I needed that wire pushed through because I had college and credit card payments to make with that money. 

Finally, the rep admitted that " the system '' was flagging me so there was nothing he could do to help me and that my money was stuck. I was a bit upset and asked to speak to whoever was above him. The next rep was just as unhelpful, repeated the same script, and then suggested I drive XXXX hours to the nearest Citibank. The only solution I was given was to wire the money to someone else. That seems like quite the quandary! " You're being scammed by transferring your money to yourself. You should send it to someone else instead. '' was the resolution Citibank offered me. Realizing we were going in circles that led me nowhere but deeper into frustration I said goodbye. 

Desperate, I looked over Citi 's website and saw their ACH partners include XXXX. So, I logged into my XXXX credit card account and opened a shiny new savings account. However, do you think the ACH transfer worked? Nope, error code XXXX! So, I sat and stewed for a while before I realized if I close my account they have to come up with a way to get me my money. Citi didn't care about me because they had the power. I decided to close the account in a desperate attempt to turn the tables. At this point I wasn't worried about my payments, I was worried that my savings were gone. 

Thankfully, when I called in and told them I wanted to close the account the new rep told me if I did that a check with the remaining balance could be mailed to my house. I quickly agreed to that and a few moments later my account was closed. My check showed up 8 days later which cost me late payment fees, interest on the credit card, and interest on my tuition payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX {$550.00} XXXX XXXX {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Several online disputes have been sent to XXXX  and Experian directly as well as through the CFPB portal requesting the removal of the fraudulent student loans accounts. Unfortunately, both XXXX   and Experian have been non-compliant in removing these accounts although these disputes have included the FTC report as well as proof that my identity has been compromised on the dark web. Additionally, both Experian and XXXX  reported that the fraudulent accounts has been verified by the data furnisher but have failed to provide me with such proof as required per FCRA regulations. Therefore, I am demanding to have these accounts removed from my credit reports because it is a direct violation of my consumer rights to list fraudulent information on my credit report. PLEASE DELETE IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

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 Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$170.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$430.00} ; US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$4700.00} ; US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX ) XXXX Balance : {$9800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

Hello, In XXXX a check that was written to XXXX XXXXXXXX XXXX XXXX  XXXX was duplicated and used to write fraudulent checks against my account. I had over {$6000.00} in checks that had been written against my account by digitally changing information on the duplicated check. I discovered what was occurring and called Wells Fargo who said they put a hard hold on my account. I opened a new account and closed the account associated with the checks that were being used fraudulently. I filed a police report as well. In XXXX I noticed that there was addition fraudulent activity and checks on my new account. I called Wells Fargo and they told me the checks from my old account were being cashed and transferred to my new account. They said that someone didn't turn off the check cashing option on the old account so I asked that they do that and then we put a hard hold on the new account to prevent further activity from occurring on that account. I filed claims for all the fraudulent items, 8 in total totaling over {$7500.00}. Then in XXXX I had two additional fraudulent checks with the old check number cashed against my new account that also had a hard hold on it. One was for {$2000.00} and one was for {$9800.00}. I filed claims for both of these items and was issued a refund on both on XX/XX/XXXX. Shortly after that I received a letter in the mail from Wells Fargo that said, due to a processing error they were going to take back the {$9800.00} and they did on XX/XX/XXXX. I spoke to them again and they indicated that the claim was denied because they determined the check wasn't fraudulent. The check was written to the XXXX XXXX XXXX for laptops. This company doesn't seem to exist from what I can find. I have also never been able to see the image of this check online or the check number. I reopened the claim and it was closed again indicating it wasn't fraudulent. Throughout this process no one contacted me to talk to me about the claim even though I was promised multiple times that someone would call me. I called again on XX/XX/XXXX to try to escalate the issue. They said there was nothing they could do. I asked to have an image of the check as well as the background on the research they did. I was assured I would be sent that. We don't currently even have a checkbook that has that check number in it. After I didn't receive the documentation, I called again 34 days later and was told it was in process. I just received a packet of " research '' and it doesn't contain the check image or any other information. It is just a printed statement of my accounts. I have been a customer of Wells Fargo for 24 years and this situation has been absolutely awful. I have talked to them 13 times for over 6 hours regarding this issue and they are still denying this claim. There was clearly very little due diligence in determining if the check was fraudulent and I find it very odd that I can see the image and check number of every check I have ever written with Wells Fargo except this one. My check image was stolen by either someone at the XXXX XXXX XXXX XXXX or by someone at Wells Fargo.
Product: Credit reporting

1. My current emplyer and has been for the last 8 years is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. There are addresses listed that I have never lived at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Checking or savings account

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me.Learn how it works.I consent to publishing this description after the CFPB has taken these steps.

Publishing this description will not affect how the CFPB handles your complaint.
Product: Debt collection

I received a collection letter from the company Virtuoso back on XXXX XXXX XXXX regarding a charge from XXXX. I sent a certified letter on XXXX XXXX XXXX XXXX and also the collection agency. As of today I have never heard from XXXX or the collection agency regarding my dispute letter. Today XXXX XXXX I receive a new collection letter from the company XXXX telling me that XXXX has now turn my account over to them. I contacted XXXX today regarding this letter and they told me they never received my dispute nor anything from the collection agency saying I was disputing it. I have the signed certified receipts showing that both companies receive them. Is n't it a law that the company and the collection agency have to reply to a dispute?
Product: Credit reporting

To Whom it May Concern : I have recently been informed that there is negative information reported for bankruptcy the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this company listing is invalid. 
I am unaware of the bankruptcy or " having a charge off '' ) with this company. 
Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
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, credit repair services, or other personal consumer reports

Anima account paid off in XX/XX/2021. XXXX, XXXX, XXXX all is required by law to update my balance information according to the Credit Bureau Law Act. I have not seen an update since XXXX of 2021.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX jacob laww croup pllc has refused to send any validation information of this alleged debt we have tryed for years they are all in violating Federal law on multiple accounts and threats.
Product: Debt collection

I'm concerned about your failure to comply with the Fair Credit Reporting Act. While other bureaus have removed fraudulent accounts upon my request, Equifax has not. I talked to someone within the company to confirm the documents have been received and they informed me that they never receive documents from the CFPB. This impacts my credit and raises compliance questions. 
Please remove XXXX XXXX XXXX XXXX from my file immediately. XXXX and XXXX have already done so due to errors.
Product: Debt collection

My friends husband got a phone call from Portfolio Recovery Associates and were asking for me in my full name and mentioned that they were trying to collect debt from me. I believe this is a scammer. Im reporting this so that youre aware of what is happening.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and was notified by XXXX that my account may have been exposed to a data breach. 

Please help me remove this fraudulent account from my credit reports. I reported this to Federal Trade Commission. I will attach in this complaint my FTC report, ID, proof of address, and social security card. 

Please delete this fraud account from my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

The car was purchased by my son on XX/XX/XXXX from Regional Acceptance company. I was used in the loan for my income for a year. My son was murdered on XX/XX/XXXX in the car. I contacted them to luck the car up after he was murdered and was told that I had to wait until the payment became late to have car picked up by them. I received a letter stating that the car was sold at an auction for a smaller amount. My concern is that I was supposed to only be on the auto loan for a year and they are still reporting this {$11000.00} debt under my name. This is unethical and unjust. I also sent them a copy of my sons death certificate to add to the file. Im not responsible for this debt and these reports are hurting me tremendously.
Product: Debt collection

I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. And a number of violations under the Fair Credit Act against my credit profile.

I believe that Trans Union Consumer Dispute Center ( TU ) has made errors in reporting inaccurate accounts on my profile and In accordance with the fair credit Reporting act Trans Union Consumer Dispute Center ( TU ) has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. 
15 USC 1681e ( b ) for failing to follow reasonable procedures to assure accuracy, under 15 U.S.C. 1681i for negligently reinvestigating or correcting disputed information, and under 15 U.S.C. 1681k for failing to provide notice to persons of information reported about persons to third parties.

15 USC 1681s-2 15 USC 1681i ( 5 ) 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a_ consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Checking or savings account

Since approximately lateXX/XX/XXXX around the XX/XX/XXXXof the month I have been in contact with the company Moneylion to regain access to funds in my accounts. There is one checking account and one investment account. Customer service representatives since this time which mind you is within an approximate few day range of contact when I started speaking in regards to the problem sent a debit card to the wrong address allegedly and this card was irretrievable. They furthermore claimed they were sending me a check in canceling the account which I was later told was either sent to the wrong address or was sent later. The check never arrived and was passed their conditionary time for getting it to me. Customer representatives claim for the most part they do not have the power to do much and then some claim they can do things for example : a transfer to an external account isn't able to be performed by a Customer Representative  though one said they would, one said a Supervisor even could not do this, then another said only Supervisors can do this. The amount of misguided information I received from these customer service representatives whom for over two months could not solve a problem and mishandled the situation with my account including Supervisors whom allow and permit this to go on are quite to my disgust in business management. I've worked with previous companies who could assist me in 5 minutes..not over two months. This company that  throws out manual help apparently because they are so streamlined and automated and more effecient have left me without any use of my funding I receive for a temporary time to purchase food supplies, health drink supplies, any form of medical supplies, all which have nearly thrown years of data off of my XXXX XXXX studies which include studies in XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Thanks to the local area however, I have been able to bridge the chasm so to speak this company created that otherwise would have destroyed valued findings in which I am contributing to the XXXX XXXX XXXX of the United States and various areas worldwide. Can we solve the problem any sooner these days? This is the yearXX/XX/XXXX A.D. afterall.
Product: Credit reporting or other personal consumer reports

This is XXXX of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Please delete these accounts ASAP.