23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is a formal complaint against Americollect and XXXX  that continues to report 2 different invalid and unverifiable accounts on my credit report. I have attached a recent copy of my credit report to this complaint. 

I mailed a certified written letter to XXXX  on XX/XX/XXXX and Americollect on XX/XX/XXXX requesting my right to dispute the validity of this debt, both have to date ignore my request. I haven't received any communication from Americollect that validates this debt and XXXX  continues to verify the account stating that Americollect has certified that the debt is valid. 

If this debt is valid, why haven't I received the proper documentation that proves I owe the amount reporting on my credit report. 

Furthermore, I contact XXXX  on XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in an effort to have this unverifiable account remove, due to the FCRA stating that if this account can not be verified it must be removed. ( See attached certified receipts ) I understand that our economy is under a national pandemic and staff may be low, but after 5 months, I have no other choice to file a complaint against their negligence and unwillingness to properly investigate.
Product: Mortgage

I requested XXXX to take care of title insurance for my real estate closing. During the closing, I was told by XXXX XXXX that they were not the ones doing the title insurance, that it was Fifth Third. He said it was my choice to select who I wanted. We had a Fifth Third loan representative there and asked her to change it and she called and nothing has been done to date. It has been nearly two months and no return of money. 
Secondly, there was a loan application fee that I paid for ahead of time that I was told I would be reimbursed. To date I have not received the {$350.00} from Fifth Third.
Product: Payday loan, title loan, personal loan, or advance loan

I made payments but ran into hardship as I had a baby and couldnt work.
Product: Mortgage

I believe  Caliber Home Loans an d its agent   XXXX   have acted in violation of the  Right to Privacy Actor of 1974 in its a ttempt to access details about my retirement fund that they could potentially use in my recent loan modification application. In a letter sent to my retirement fund dated    XX/XX/XXXX    , Caliber Home Loans Qu ality Control Program/ XXXX  stated that they were conducting a " random audit '' and requested that information about my retirement fund be verified. The timing of this audit is highly suspicious, as it coincides with my loan modification application that is currently in process and under review. The suspicious nature of their conduct is compounded by the obvious errors and omissions in the documents they sent to my retirement fund. Namely, the consent form Caliber/ XXXX  attached to their request was dated    XX/XX/XXXX   , the date when I first purchased my home. In a letter to  Caliber Home Loan s dated    XX/XX/XXXX   , my retirement fund denied their request and advised them that the authorization form was outdated, and they had not provided my social security number or retirement fund account number on their request. I believe that the above mentioned actions on the part of  Caliber Home Loans  and its agent  XXXX  were an illegal attempt to gain personal information protected under law and moreover, that their ac tions may b e an unlawful attempt to gain additional information about my finances that could be factored into their decision regarding my loan modification.
Product: Mortgage

On XX/XX/2020 we closed on a new mortgage loan ( XXXX ) with TD Bank. 

The funds from this new mortgage loan were supposed to payoff our existing mortgage loan ( XXXX ) which was also with TD Bank. 

It has been 4 weeks and the funds from the refinance have not been applied to the original mortgage. It still shows an outstanding balance, payment due, and is accruing interest. 

We have notified our loan officer, XXXX XXXX, by phone and email multiple times and he has not responded to our questions. We attempted to contact his supervisor, XXXX XXXX, and he has not responded. The closing agent, XXXX XXXX at XXXX, verified that the funds were dispersed on XX/XX/XXXX and a wire transfer was sent to TD Bank to payoff the existing loan ( confirm via email received from XXXX XXXX on XX/XX/XXXX ) The payment to the old mortgage ( XXXX ) needs to be completed and back-dated to the date of our closing.
Product: Payday loan

I received an e-mail from an Attorney XXXX that I owe Ace Cash Advance {$890.00} and wanted a settlement of XXXX.and if I did not pay this I would be socked a total of {$4000.00} including all fees and attorney costs. This e-mail even had my bank account and last digits of my XXXX. I did not receive any money from this company or apply for this money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a certified letter to Credit Reporting Agencies XXXX, XXXX, and Equifax in regards to the balance they say I owed to XXXX XXXX in the amount of {$3700.00}. This should have never been sent to the credit reporting agencies nor the debt collector as I paid this balance in full to XXXX XXXX XXXX XXXX 2017. This needs to be removed from my credit report immediately as I do not owe this debt any longer and it was paid to the original creditor. 

Thank you.
Product: Bank account or service

I enrolled in a Citibank checking account in XXXX 2016 using a promotional code that offered me XXXX XXXX XXXX miles upon opening a certain type of checking account and completing specific spending and payment requirements. Over the last several months, I have completed the requirements in the specified time period and have also received multiple confirmations from Citibank that I was both eligible for the promotion and that I would receive the promotional airline miles. 

The miles were confirmed to be credited to my XXXX XXXX account within a few days of my statement ending in XXXX. When I reached out to Citibank this week to ensure delivery of these miles, they disputed my eligibility. 

I have attached several pieces of correspondence with Citibank confirming I was eligible and would receive the promotional miles. 

Given I was told by Citibank that I was eligible and would receive these miles, I feel the marketing of this promotion was highly misleading. 

I would greatly appreciate the CFPB 's help in resolving this matter with Citibank. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to take my credit file out of their Office of Consumer Affairs. I have made several requests and sent the documents they requested. XXXX, XXXX XXXX form sent a letters for the last two years requesting this removals. As of yet, it has not been removed and I run into many issues when purchasing a new home and trying to find somewhere to live. This has become a major barrier in my life. I feel as though I am being discriminated and targeted.
Product: Checking or savings account

On XX/XX/2023 I noticed a pending charge for {$250.00}. It began pending on that day. I called immediately to let Chime know that this was a fraudulent charge from XXXX. It pended for 7 days and then all of a sudden on XXXX XXXX it posted. On XX/XX/2023 they cancelled my card and said they sent me a new one. On their app it clearly states that I would receive the replacement card by XX/XX/2023. I have not yet received it. Then on top of that, on XXXX XXXX, another charge from XXXX began pending for $ XXXXThis was after they cancelled the card.
Product: Credit reporting or other personal consumer reports

I was reviewing my Experian credit report and seen some inaccuracies on my credit report. On XX/XX/2023 I discovered that the creditor : XXXX XXXX Account # XXXX, has been reinserted into my credit report after being permanently removed in XX/XX/2023. If it was permanently removed, how was it able to be reinserted? You are also required to notify me within five ( 5 ) days of reinserting a previously deleted item. I did NOT receive any such notification. You have emphasized that you will no longer investigate my dispute related to this account. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Experian has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intent to litigate if this account is not DELETED from my credit report. You have failed to conduct a due diligence and maximum accuracy investigation. I am requesting to be provided with the written contract bearing my signature and physical documentation to support the information that is being reported on my credit report via USPS mail. This account is not mines. This is a fraudulent account that is a result of identity theft. I have provided Experian with a copy of my identity theft report and it was completely ignored.
Product: Student loan

Student loan payment refund requested on XX/XX/22. 
Was told 6-8 weeks to receive refund. 
Called multiple times and was told they are waiting for treasury and that it can take 8-12 weeks. 
14 weeks later,  still no refund or update.
Product: Money transfer, virtual currency, or money service

My cash app account has been close I can not provide dates at this time im signing the class action lawsuit against cash app
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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. 
XXXX XXXX XX/XX/2021 {$2500.00} XXXX5 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

Team, I originally obtained a 4 year lease with GM Financial in XX/XX/XXXX for a XXXX Escalade for payment of approx. {$1600.00} a month. ( This in itself was deemed extortionate and further more I was sold a 3 year maintenance contract which is an additional issue just brought to my attention ). In XXXX I began a search for an alternative vehicle at a more competitive price and eventually found one which i purchased and now meant I would need a lease assumption with GM. I advertised on XXXX and obtained the criteria from GM to move forward in XX/XX/XXXX. I found a qualified buyer in XXXX and followed to procedures during which time GM kept defaulting my account into a past due status which meant i was unable to move forward and I lost the qualified buyer. The same happened in XXXX when i again provided a qualified buyer signed all the paperwork and GM alleged XXXX lost the documents and so therefore the transaction was unable to be completed. Fast forward i am now within the last 12 months of the lease and no longer able to meet the criteria and am stuck with the lease payment through the fault of GM. GM deliberately stalled the process and despite speaking to all 3 departments they continued to give me the run around and also contacted XXXXXXXX to have my advert removed. Its clear GM did not act in an honest and timely manner in addition to at one point harassing me in an attempt to reposes the vehicle despite it being always in state of good payment, in my possession and insured. The Customer Service Department, Lease Assumption Department, Total Loss Department and the Collections Department all have documented detailed call records to support my  conversations but yet they all seemed not to be in contact with one another which to me seems like negligence on GM 's part or a blatant attempt to confuse and deceive me as a customer into remaining stuck with the Lease agreement. I would like this investigated please and for GM to be responsible for taking back the vehicle with no negative report on my credit as it was their errors that led to my lease assumption not going through. I even purchased another identical vehicle and everything was timed perfectly for the transfer until GM caused the process to breakdown and I am now stuck with 2 car payments till XX/XX/XXXX. I constantly had to chase them to try to complete however they are quick to harass me despite asking to be removed from their call lists when i changed payment dates. 
Thanks for your consideration Regards XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

None of the topics I was presented really described my issue so I chose this one. 

This is an issue is with Experian allowing access to retrieving Credit Freeze PIN numbers online and the serious lack of security in protecting that access. 

XXXX XXXX, 2017 I went on Experian 's credit freeze website ( https : //www.experian.com/freeze/center.html ) and noticed that there was an unsecured menu that allows retrieval of credit Freeze PIN numbers accessible to anyone who just wanders in from the internet. That menu requires no login/password to access it and the information required to retrieve the PIN consists of the information exposed in the recent breach at XXXX and information easily available on the internet. Also I was able to go back and try again and again to access that account as many times as I wanted. 

Upon filing out the main form with my SSN and birthday as the main security objects I was presented with 4 'security ' questions. Three of the answers were easily found by XXXX on my name or buying a {$25.00} online background check on me. They were questions about previous employment, my previous phone number ( seriously ) and which bank I used. None of the banks listed were in my hometown so the correct choice " none of the above '' was obvious. Even XXXX asks more secure questions than this, Worst of all once you got through this menu ( and like I said you have as many tries as you want ) instead of mailing the PIN to a verified address on record like the other Credit companies do the PIN was displayed on the screen visible to all along with the offer to email it to any email address you provided in the form! Why? Because there is no address on record because there is no account created for people with credit freezes. Experian just uses unverified information that is arbitrarily entered on their form. 

I can easily see Experian being the next company in the news for not securing their information properly because they obviously are not. I did n't authorize Experian to collect this information on me the least they can do is implement serious security to protect it, not just trying to make it as convenient and inexpensive as possible. 

If you are going to allow PIN retrieval online ( which is insane to begin with ) at least secure it. It is the keys to the castle! 

- Create an account for all people with credit freezes with the usual name address, email, along with a login and password which will be needed in order to even get to this menu screen and then only allow the PIN for that account to be retrieved. 

- Only allow one try to get the information correct and then they need to call. Sorry you may need to hire a few more people but thats how real security works. 

- The security questions should be something in my credit history that would n't be found on the internet and certainly not publicly obtainable information like my previous phone number! 

- Most importantly, MAIL the PIN to a verified address ( and not on a postcard ). Inconvenient? yes. Secure? YES!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 SECTION 602A. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX and XXXX Westlake financial to have the inquiry removed from my XXXX account. Have not received a response. I am requesting these inquiries be removed. Reported on XXXX2021 and XXXX/XXXXXXXX2021
Product: Debt collection

I have sent letters to both XXXX and XXXX on regards to the collection agency with false claims of having an account with them knowing that I do not have any signed contract with southwest credit solutions and they have failed to provide any paperwork or signed contract with them.I sent dispute letters to XXXX and XXXX on XX/XX/2022 and also on XX/XX/2022 and they still have failed to correct the issue and remove the collection account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my most recent credit report. XXXX XXXX, Equifax and XXXX  currently reports multiple inaccuracies and unverifiable information onto my credit profile without permissible cause. 

The following inquiries are inaccurate and unverifiable : 1 ) XXXX XXXX- Date reported- XX/XX/2019 ; reporting without any permissible cause, no credit has been extended. Please remove this account at once 2 ) XXXX date reported- XX/XX/2019 ; reporting without permissible cause, no credit has been extended. please remove account at once. 

3 ) XXXX XXXX  XXXX- Date reported, XX/XX/2019 : reporting without permissible cause ; no credit or loan has been extended. Please remove this account. 

XXXX- date reported XX/XX/2019 ; reporting without permissible cause ; no credit line or loan has been extended. Please remove this account.
Product: Credit card or prepaid card

On XX/XX/2022, I, the consumer, acted in good faith when I applied for an extension of credit through CBNA XXXX XXXX, creditor. Upon submitting the application, consumer did not receive an immediate approval, which prompted consumer to contact CBNA XXXX XXXX via phone to discuss this denial error. XXXX, who did not provide a last name, an authorized representative for CBNA XXXX retrieved the phone call at around XXXXXXXX XXXX on XX/XX/2022. XXXX asked me the nature of my complaint, I explained to her the nature of my complaint was a violation of my rights pursuant to the EQUAL CREDIT OPPORTURNITY ACT.  Consumer explained to XXXX, who confirmed CBNA XXXX XXXX is governed by the EQUAL CREDIT OPPORTUNITY ACT ; that this is a violation of 15 USC 1691 ( a ) ( 3 ). I, the consumer can not be discriminated against for exercising my right ( 15 USC 1602 ( l ) - credit is a right ). CBNA XXXX XXXX committed fraud by using my credit card without authority and cardholder ( consumer ) received no benefit. There's an inquiry on my consumer report to prove the fraud
Product: Checking or savings account

Wells fargo national assciosation bank and all other corperations wells fargo has due to XXXX XXXX XXXX  and wells fargo trust fund in my name with land ownership and oil mineral rights and credit owner of interest office of the comptroller of currency in XXXX texas is asking for account number never recieved from XXXX XXXX police dept which has case of XXXX XXXX XXXX XXXX twice now is XXXX like XXXX XXXX into wells fargo acvcount in XXXX that reason parents were XXXX  and wanted to giuve me life sentence in XXXX and premeditated XXXX  and piosening started and still havnt recieved my product due to virus clogging up pours and need to do ask i stated with product from efedrin machine and XXXX  doctor home and house next door should been creating cure and zapping serpints in controlled substance to have virus hopefully stay water till recieve capsule might take one year to recieve its the clear substance needed not the extraction of siemen but the leakage of precum that strongest with body high not medical marijauna piosen kills children annerism and high courts ruled on this case already so what problem a police XXXX advised a poterntal women who never used such enhancement of XXXX driven stanima for at least XXXX to XXXX hours a day shalin seagal can break records i believe since i know her and wouldnt set up she be paid in full by XXXX and my signature stamp agreement forinsic should of been here if possesd long time ago
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX To whom it may concern at the Consumer Financial Protection Bureau : I would like to file a complaint against a collection company by the name of XXXX XXXX XXXX. 

This XXXX XXXX XXXX continues to slander my credit by placing collection accounts onto my credit files that they never verified prior to placing these fraudulent, false accounts onto my credit files. 

As previously stated, XXXX XXXX XXXX never verified the collection accounts that they have placed onto my credit files, and they know that what they have done is unlawful. 
So now XXXX XXXX XXXX is resorting to passing off these collection accounts to other collection agencies, such as a XXXX  XXXX XXXX XXXX XXXX XXXX, etc. 

XXXX XXXX XXXX claims to have acquired the accounts from Comenity Bank, and this Bureaus Investment Group never contacted me to verify the debts. 

Last year when I requested copies of my credit reports from the credit bureaus, this is how I found out about these collection accounts being placed onto my credit files. 

Since last year I have disputed these wrongful collections against Comenity Bank, and I have also disputed these wrongful collections, against XXXX XXXX XXXX. 

And although XXXX XXXX XXXX knows that they unlawfully placed these collection accounts onto my credit files, they have refused to remove them. 

Between both, XXXX XXXX XXXX, and Comenity Bank, they are both listed on my credit files for the same wrongful collection debts, and due to this, my credit files are being slammed twice for these unlawful collections that I did not run up, nor owe. 

Both XXXX XXXX XXXX, and Comenity Bank are intentionally making sure that they maliciously destroy my credit score, and rating. 

They have both, falsified status dates, on the collections that they have placed onto my credit files, such as activity in XXXX, and XXXX. 
They have done this so as to make it seem as though these are present debts that I have acquired, and that I have recently done business with Comenity Bank, which is a lie. 

I have had nothing to do with Comenity Bank going on almost two years. All of the status information that both Comenity Bank, and XXXX XXXX XXXX are placing onto my credit files is unlawful, as well as untruthful. 

I want all communication from XXXX XXXX XXXX to go directly to the Consumer Financial Protection Bureau, and the Consumer Financial Protection Bureau can contact me. 

I want XXXX XXXX XXXX and its collection cohorts, to Cease and Desist from slandering my credit, as well as harassing me, I want no contact from them.