23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Debt collection

This debt is not owed. XXXX XXXX XXXX XXXX has transferred this account collecting on debt that is not owed. In XX/XX/2018, this issue was already disputed and matter was closed in favor of myself. Please provide in writing within 30 days evidence that this debt is owed and that you have permission to collect on said " debt ''. Also you will see from the statement below how this was handled in XX/XX/2018 : Referred STATUS CFPB referred complaint to another government agency on XX/XX/2018 REFERRED TO NATIONAL CREDIT UNION ADMINISTRATION We referred your complaint. 

After our review, we found another agency that is better able to help you with your issue. 

We also entered your complaint into the Consumer Sentinel Network, a secure online database operated by the Federal Trade Commission. Civil and criminal law enforcement authorities worldwide, including Consumer Financial Protection Bureau investigators, use the Consumer Sentinel Network to identify questionable business practices that may lead to investigations and prosecutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. These accounts are identified as bankrupt. The bankruptcy was dismissed. You need to remove these bankruptcies from my record to make sure that I don't need to comply with my personal legal rights according to 15 USC Section 1681n or 1681o, which needs your conformity utilizing the law. 
XXXXXX/XX/XXXXXXXX .... Balance : - ; XX/XX/XXXXbankruptcy XXXX Identification number : XXXX Date filed : XX/XX/2018
Product: Credit card

I have 2 credit cards through a parent company Genesis FS ( Milestone MC and Destiny MC ). I made an ACH for both accounts on XX/XX/XXXX, and both cleared my cleared my bank account on XX/XX/XXXX. Only the Milestone MC payment was applied to that account. I called the customer service number for Destiny MC ( XXXX ) today, XX/XX/XXXX to see why my {$49.00} payment wasn't available to use on my account even though it's been withdrawn from my bank account and shows posted to my Destiny MC online account. The agent didn't give me a proper explanation, so I asked to speak to a Manager. She stated it takes up to 14 days to post to any account to " verify '' bank accounts and funds. I said that is ridiculous, both payments were withdrawn and posted to my Milestone MC and Destiny MC accounts on XX/XX/XXXX from the exact same bank account, so that's impossible. I told her what they're doing appears to be unfair and possibly illegal since I don't have access to my Destiny MC yet they clearly have the funds and I'll report them for unfair credit practices. Thank you in advance for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordancewith the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX... 
XXXX  XXXX... 
XXXX 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Product: Debt collection

I had a checking account with XXXX XXXX. Few months ago, approximately around early XXXX, I received a message saying my bank account is in negative and I owe them money. I walked into the bank to get it resolved to which they gave me fraud number. I tried contacting them, but they said they can not verify my identity. XXXXXXXX XXXX then keep calling me and asking me to pay them money that was paid towards my discover credit card payment. When I contacted my XXXX credit card, they said the payment from XXXX was returned back, And none of the payment from my XXXX  account is posted on my XXXX  account. SO again when somebody called me, I told them, That the money they asking for, has never been posted to my account, then why should i pay? I had XXXX $ in the account that is also gone, and every week, I get 2-3 calls asking for money. I was okay with that, untill, today i got call from debt collection agency F.H. Cann & Associates stating i owe money to XXXX. This is frustrating. XXXX has closed my account, they can not verify my identity and now they are asking me to pay back the money that was never credited to my account. I dont know what to do. Please help.
Product: Checking or savings account

bounced checks due to low funds when I knew that I had money in the account. was told when I tried to rectify it I was told that I wasn't welcome there.
Product: Debt collection

Clear Recon Corp., as the supposed duly appointed Trustee for Deed of Trust recorded XXXX/XXXX/XXXX in Book XXXX, Page XXXX of the Official Records XXXX, is trying to foreclose based upon loan modification documents that were forged by XXXX XXXX Bank whose primary objective has been to force all XXXX Pick-a-Payment loan borrowers into foreclosure since at least XXXX. 

The XXXX XXXX XXXX 's office has no records of any transfers or re-assignments of either the original Beneficiary or Trustee. The Beneficiary that is still in place is XXXX XXXX Bank. The Trustee still in place is XXXX. 

I have checked with XXXX, XXXX XXXX and XXXX for the current ownership of the loan being foreclosed upon. XXXX and XXXX XXXX both deny ownership via their online verification system. XXXX also has no record of this loan onn it 's online database. 

Clear Recon Corp. and XXXX XXXX will not produce documents verifying the current legal Beneficiary or Trustee when requested. Clear Recon Corp. will not respond at all, other than to send multiple copies of the Notice of Trustee Sale with an updated sale date.
Product: Credit reporting or other personal consumer reports

on XX/XX/2024 i notified the legal department of XXXX XXXX XXXX XXXX opting out of any and all authorization related to the sharing, reporting, or disclosure of my personal or financial information to any and all credit reporting agencies and/or third parties.as a federally protected consume i exercise my right to privacy under applicable federal statues.
Product: Credit reporting or other personal consumer reports

The issue is my late payments are being reported XXXX XXXX-XXXX XXXX by Possible Financial Inc , but Congress advises that this information is private since its considered to be transactions and experiences between me and you as the financial institution that issued the credit, which is stated in the Exclusions of XXXX U.S. CXXXXe XXXXa - Definitions ; rules of construction.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$500.00} XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX Account # XXXX date opened XX/XX/XXXX bal. {$17000.00}, XXXX XXXX XXXX Account # XXXX XX/XX/XXXX bal. {$720.00}, XXXX XXXX Account # : XXXX date opened XX/XX/XXXX Bal. {$430.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$340.00}, XXXX XXXX  XXXX Account # XXXX date opened XX/XX/XXXX bal. {$250.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$180.00}, XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$170.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00} XXXX XXXX XXXX Account # XXXX XX/XX/XXXX bal. {$0.00} inquiries : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I am writing to file a formal complaint/claim against XXXX for its negligent handling of my debit card disputes. Not only has XXXX denied my disputes, but it has also neglected to address concerns and disputes I have raised about its investigation procedure in several email exchanges with its customer support. Furthermore, it is refusing to dispute additional unauthorized charges I have found and filed with the same merchant. 

In several email exchanges with XXXX, I have voiced concerns about its third-party investigator 's ( XXXX ) approach to investigating the unauthorized charges and expressed it was a biased review and not one that was done in my best interest to help me get the money back. I also filed a police report with the XXXX Police Department, as well as an FTC ID Theft report and affidavit, yet the police nor the FTC were ever contacted as part of the investigation. 

Currently, my account sits at negative - {$1900.00} due to this. I have sent a Demand letter to XXXX asking for it to credit my account in full for the unauthorized charges I have disputed, totaling {$4400.00}. 

XXXX has told me that it will not honor it. 

I am attaching my Federal ID Theft report as well as a police report, and I have several documented email exchanges that I will present to the Attorney General 's Office in Massachusetts in the event that this does not get resolved through the CFPB.
Product: Credit card or prepaid card

I purchased what was described as an ONLINE XXXX service from a company described to me as an Online XXXX XXXX XXXX XXXX, and when I rceived the link for the business which i paid {$140.00} for, it was not as described. 
They had a 30 Day money back guarantee, and it was because of this that I felt secure purchasing the program. 
I used a Debit card provided to me by Chime for the purchase, I complained to chime within 7days that the item I received was not as described. i was surprised that Chime denied the claim without even stating on what Grounds the claim was denied. 
The company misrepresented themselves and the Service they were providing to me was XXXX XXXX XXXX  /A XXXX XXXX instead of an Online XXXX which they said they were offering me. 
They sent me many links to webinars and i asked many questions before send ing the payment and not once did they say it was XXXX XXXX. They constantly said its XXXX XXXX XXXX or while on vacation just using your phone for a few minute per day which is what i wanted. Plus they said a few hours a day and you could quit your job with this Online XXXX because of the money you would be making. 
I asked several times if I had to sell anything and what prouct it is, and they always responded to me that no selling was required. They do most of te work for me, but when i received the link which directed me to the webinar, it was not as described. It was XXXX XXXX/ XXXX XXXX. 
I immediately Contacted CHIME about the matter and they quickly denied my claim. 
i am on Social security and i felt scammed. I dont think people should get away stealing other peoples hard earned mone, so I filed another claim to CHIME and within 48 hours they once again denied the claim which i hardly believe they reviewed thorougfhly. 
I am appealing bto you to kindly assist me with this matter, because CHIME does not seem to care about helping their client. They sem to be more interested in siding with the Vendor for whtever their reasons. 
Thank you for you kind assistance. } Sincerely XXXX XXXX
Product: Debt collection

A man keeps calling my cell phone looking for a XXXX XXXX, my name is similar in last name only " XXXX '' & I do n't know this person & wish they would stop calling my personal cell ( I have had the same number for 20 years ). I did tell him to stop calling but he continues. 
The Number they are calling from is XXXX I also keep getting a recording from XXXX & it is a robot that is offering air conditioning services. 

Please let me know if you can help
Product: Checking or savings account

I am in the process of trying to obtain a loan to buy a mobile home.  During this process, I was scammed once and they succeeded and the second time, not.Under the pretense of XXXX for a loan of $XXXX, and me with a poor credit rating, these crooks told me that they would deposit monies into my account and I was to send it back to prove that I am trustworthy. Now, I am out $XXXX!!! Second time, under the pretense of XXXX XXXX, they deposited $XXXX without me even realizing it.  Once it was deposited, I told them to withdraw the funds (after I checked into this, this time). Thankfully, Chase at least did the right thing then, and held the check and from what I understand, the thieves withdrew the check.  As I am an XXXX, I handle mostly everything online, texts, and/or email. I was trying to contact and get help from Chase for over a week to no avail, so I called them, at my great demise. Anyway, they are  closing my account and charging me the $XXXX from the-supposed XXXX-XXXX. After we hung up and me crying, I checked out the check that they had mailed me stating the funds were withdrawn.  Here this check is supposedly from XXXX XXXX XXXX Company!!!!! and my somehow by signature was forged on the back of this check!!!! I have never dealt with XXXX XXXX XXXX Ever!!! I do believe I should not be charged for any of this as it was not due to me!!! I got played huge!!!!! If you need phone numbers, please let me know. I am in the process of trying to get a hold of XXXX, XXXX, and XXXX   and put an additional fraud alert on my account. I already have one due to my information being leaked out 7 times, according to XXXX, via XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received an email alert from Fedloan Servicing stating I met the XXXX payment for XXXX XXXX and that no further payments were required. I contacted Fedloan requesting a timeliness for this matter to report and they indicated I would be getting a payoff letter once my account was updated by US Dept of Education. On XX/XX/2022 the attached payoff letter was attached to my file. I have submitted this document to XXXX and XXXX and they have failed to report my balance owed as {$0.00}. The statement from XXXX and XXXX show {$0.00} payment due but have an outstanding balance of $ XXXX. I have contacted Fedloan they show my account is closed with them and balance {$0.00}.
Product: Student loan

The company provides me with misinformation every time I call regarding my account. My account information is never correct and I receive a different inaccurate reason for the failure of the account to be correct each time. Every time I am advised that the account will be corrected, but it has yet to be correct when I follow up. I was recently advised that I needed to make a physical payment since my direct debit was requested to be changed and that no direct debit would be withdrawn. However, both the physical payment ( {$820.00} ) and a direct debit ( {$630.00} ) were withdrawn. Furthermore, when I made the change to my direct debit amount, I did not authorize the direct debit amount that they withdrew but had made a request for the amount of my monthly installment to be withdrawn ( my monthly installment is supposed to be {$820.00} but on XXXX/XXXX/16 it stated my monthly installment was {$1.00} and yet {$630.00} was withdrawn ). I can not get accurate information regarding my account any time that I call to inquire. Further. when Fedloan servicing took over my account from XXXX, they did not transfer my loans as a full consolidation like XXXX had previously completed for me. Therefore an additional consolidation had to be created in order for them to be included in the public service loan forgiveness repayment option and the repayment plan is therefore extended on those particular loans. Accurate information is vital to being able to manage student loan repayments and this company lacks the resources and tact to do so. I will be escalating this as far as I need to to ensure that others do not have to endure this lack of professionalism in the future and to ensure that my issues have been rectified. 

The University XXXX XXXX XXXX XXXX XXXX, TN
Product: Checking or savings account

On XXXX XXXXXX/XX/year> around XXXX my wallet was stolen at the XXXX XXXX XXXX XXXX I did not realize it was gone until my wife called and asked if I had gone to XXXX because she recd an alert that the account had spent money via text. I told her no and she asked where my wallet was - I then realized it was not with me. Shortly after, the XXXX called to let me know that someone had turned in my wallet. My wife called Truist XXXX dept to let them know that my debit card was being used and that my wallet had been missing. Truist canceled my card but XXXX charges had completed. When I got back to the XXXX - that was the only card missing. We called and filed a police report immediately and then contact Truist. Truist told us that until the funds were not pending anymore and paid that we would have to wait until the charges cleared the bank before putting in a dispute. I gave the Truist person the police report number and we waited until the charges cleared the bank as instructed. We called back when they cleared and gave the same information. We were told that it could take a few days before we heard back about our funds. I went into Truist to obtain a temporary card until my replace one come in. The XXXX is working with the XXXX Police Department to find the person that stole and used the card. 

I recd this letter today via email from Truist stating as follows : XXXXXXXX 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  Truist is grateful for the opportunity to serve you. After careful review and consideration, we have concluded that we are unable to honor all, or a portion of your claim in the amount of {$120.00}. 
Based on a review of our records and the information gathered during the course of our investigation, we have determined with respect to the above-reference amount that the card/device was present for transaction ( XXXX ) not disputed in the same area before and/or after the last disputed transaction and included detailed client information. You have the right to request a copy of any documents that we may have relied on in making this determination.

If there are any remaining transactions that were disputed as part of your claim and that we have not issued a final decision on, we will continue our investigation of those transactions and communicate a decision to you as soon as possible.

Should you have further questions regarding this matter or would like to request documents for this case, please contact XXXX XXXX at XXXX. We are available XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Our teammates will be glad to assist you with any questions or concerns. 
Thanks for banking with Truist. 
Truist XXXX XXXX XXXX We changed banks today but will have to wait to close our account until pending funds are cleared. Please help us with this matter. 
XXXX XXXX & XXXX XXXX
Product: Debt collection

Aargon Collection Agency continues to report false information to XXXX that I owe a debt. I have absolutly no knowledge of this account and feel violated that they keep reporting false information and it is affecting my credit. I informed the collection agency ( Aargon Collection Agency ) that this is not my account but they have been unhelpful in assisting me with this removal from my credit. I have no knowledge of this account and do not owe this account. Please assist me. 


Thank you.