23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was tried to re-finance with my XXXX new Toyota Prius with XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX and told I had been reported {$8400.00} in debt since XXXX, XXXX by Midland Funding LLC XXXX. 

I came from XXXX and lived in XXXX XXXX, XXXX XXXX in XXXX, XXXX and moved to XXXX, XXXX XXXX in XXXX, XXXX and had never owed or loaned to anyone when I was in XXXX and my previous credit limit was not allowed to owe or loan that much money when I came. 

I tried to call Midland Funding LLC XXXX XXXX XXXX and one of the Salesman told me he ca n't help me unless I hire him as personal agent or pay the full amount in order to get an answer how I owe the money of {$8400.00} with Midland Funding LLC XXXX. I also tried to get more information from him, but he just hang up my phone when I said I need to know the reason why I owed Midland Funding LLC XXXX before paying the money. 

Because of the debts in Credit Report system so I ca n't get the car loan with XXXX XXXX XXXX XXXX XXXX. I really need CFPB 's help to find out why I ca n't directly get those information from Midland Funding LLC XXXX company and why there are so many difficulties even though I am the innocent victim.
Product: Credit reporting or other personal consumer reports

To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my XXXX, Experian and/or XXXX credit report. My latest credit report shows XXXX credit inquiries that I did not authorize. 

I am writing to dispute the following inquiries and ask for their removal from my credit report. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

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

XXXX submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent accounts from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any accounts listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of accounts that do not belong to me or were opened without my permission : XXXX Account # : XXXX Balance Owed : {$4900.00} Date Opened : XX/XX/XXXX XXXX Account # : XXXX Balance Owed : {$2600.00} Date Opened : XX/XX/XXXX XXXX  Account # : XXXX Balance Owed : {$940.00} Date Opened : XX/XX/XXXX XXXX  BANK Account # : XXXX Balance Owed : {$24000.00} Date Opened : XX/XX/XXXX XXXX  Account # : XXXX Balance Owed : {$10000.00} Date Opened : XX/XX/XXXX XXXX  Account # : XXXX Balance Owed : {$1800.00} Date Opened : XX/XX/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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FactorTrust , Inc. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15000.00}
Product: Debt collection

XXXX   XXXX   XXXX   in  XXXX , GA located at  XXXX   XXXX   XXXX   XXXX , GA  XXXX  placed a debt collection on my credit report without my knowing. All payments were up to date contingent my roommate and I moving from the property in  XXXX  of  2015 . The Apartment complex nor the collection Agency has contacted me in the time since then concerning the situation, I was not aware until I pulled my credit report recently. I have tried to reach out to   XXXX   XXXX   numerous times and have not been properly assisted, when I finally was able to have customer service I was told that they are under new management from the time of my stay, and the property could not help me.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of incorrect names and addresses from my credit report pursuant to the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. My credit report contains multiple variations of my name and addresses that do not belong to me. Below is my correct personal information : Correct Name : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/year> Current XXXX XXXX XXXX, XXXX, GA XXXX Incorrect Names and Addresses to Be Removed : Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX I request that these erroneous entries be removed from my credit report immediately. Please provide written confirmation once these changes have been made. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

! n accordance with the Fair Credit Reporting act Midland Credit Manag XXXX has violated my rights. 

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 Midland Credit Manag has ben sending me collection notices in the amount of {$1000.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX **** Balance : {$0.00XXXX XXXX XXXX XXXX Balance : {$740.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I've Disputed this bill multiple times, I've went in and also called in. They first told me they couldn't find the account. I've written into all 3 credit companies stating this account isn't mine. It was removed before and a year later added again. This account should belong to XXXX XXXX NOT XXXX XXXX.
Product: Mortgage

First, the problem was not with XXXX XXXX XXXX, it was the seller ( Altisource ) and the Title Agency ( XXXX XXXX XXXX ). From the beginning I felt it was like a shell gave, every email was from a different person, based in XXXX, and the company name was different. I was scheduled to close on XXXX XXXX, 2015. Due to lack of response from the title company ( which I was forced to use due to the online foreclosure purchase process ) the settlement statement to XXXX for final approval was sent late thus missing the scheduled close date. The Close of Escrow was XXXX/XXXX/15 they did n't get the statement to XXXX till late on the XXXX. Then the loan docs were not received by the notary for my signing till XXXX on the XXXX. In the meantime I had wired my closing funds and XXXX wired the remainder of funds the same day. By the time they actually recorded the deed and closed the transaction it was XXXX/XXXX/15 six days late. Then they did not return my excess closing funds for another five days. Lastly, the costs the Title Company charged were significantly higher than the local companies charge. The inability of the title company cost me, they delayed my ability to move in on time, causing me to stay in a hotel since I had packed my belongings and was out of my apartment and I had to pay interest from the XXXX to the XXXX on the loan on a home that I did not own at the time.
Product: Money transfer, virtual currency, or money service

On XXXX of XXXXXXXX XXXX we received License No. XXXX from XXXX that has XXXX that Citibank , N.A . is authorized to return the funds to the originator at a non-blocked financial institution where the originator is able to demonstrate they maintain an account. On XXXX of XXXX, XXXX we have sent an email asking CITY to release our funds and send it to our non-sanctioned account opened with XXXX XXXX ( XXXX ) XXXX details for USD payment : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX  : XXXX. 
On XXXX of XXXX, XXXX CITY sent a response to my inquiry which states that the funds have been released as of XX/XX/2024, with a return of XXXX {$57000.00} remitted to XXXX XXXX XXXX  ' XXXX, XXXX per the rerouting directions we were given. 
In our turn, as we didn't received money yet, we asked CITY to share with us transaction details and to send us XXXX ( XXXX message ) In response they asked us to wait 15 calendar days for an answer.
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 XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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: Credit reporting, credit repair services, or other personal consumer reports

I currently have XXXX hard inquiries on my credit report that I did not authorize. I have filed a complaint with the FTC in regards to identity theft in the past. The XXXX unrecognizable inquires are from : XXXX XX/XX/22 XXXX  XXXX XX/XX/22 PayPal XX/XX/22 XXXX XX/XX/22 XXXX XXXX XX/XX/22
Product: Checking or savings account

7 years ago I was a victim to Wells Fargos banking regulatory rules when they converted my accounts to a fee-based account without my consent. This was after the Feds had caught Wells Fargo for converting accounts to fee based accounts without the account holders knowledge and WF was fined millions. In XXXXXXXX XXXX XXXXXXXX I received a text from the buyer of my previous home address in XXXX XXXX Florida that she was receiving g mail from Wells Fargo addressed tome. I had given WF my new address in XXXX so I was concerned that mail was going to my previous address. I asked he too [ en the letter and text me a photo of the contents. Turns out the letter was a statement showing Wells had {$1300.00} in an account in my name that they were sending to unclaimed accounts. I filed a formal complaint with WF on XX/XX/XXXX and the banker told me I should receive my funds by check from WF within 10-days. I went into the XXXX XXXX branch on XXXX XXXX. on or about Monday, XX/XX/XXXX and spoke to the bank representitive XXXX. She called their escalation department while I was at her desk and she started a formal review to get WF to release my funds. On XX/XX/XXXX I received an email from WF with a case number : XXXX stating my case would be resolved in ten business days. Today, XX/XX/XXXX, I called the WF enterprise complaints management office at XXXX EST and spoke with their representitive who transferred me to their corporate accounts escalation department representitive. This representitive assured me my money would be forthcoming and that I needed to physically go to the XXXX XXXX branch and speak directly with the bank rep, XXXX. I asked him to please contact XXXX, ensure she was at the branch today, and inform her that I was on my way. He placed me on hold and came crack on the phone a few minutes later and confirmed XXXX was at t eh branch and she would get this issue satisfied. I ask him why he couldnt tell me the status and he said it was confidential and I would need to speak to XXXX in person. I immediately drove to the branch, and met with XXXX. XXXX knew nothing of my conversation with corporate and stated no one had called her. So she got the branch manager involved and I waited for thirty minutes while they attempted to contact the escalation department rep. After a half hour I told them I was leaving and I would be back with the news media. Both XXXX and the branch manager apologized for my continuing inconvenience. This bank is obviously a thief and I need your help in retrieving my monies. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding an issue with my Citibank account that has negatively affected my credit report. I recently discovered that my account with Citibank has been closed, despite never having been late on a payment. Additionally, there have been multiple unauthorized transactions on my account, all of which I have promptly disputed. 

I have made numerous attempts to resolve this matter with Citibank directly, but unfortunately, I have not received any response or assistance from them. As a result, I kindly request your assistance in investigating this issue and correcting any inaccuracies on my credit report. 

I have been a responsible borrower and have always made timely payments on all of my accounts. It is disheartening to see my credit report affected by circumstances beyond my control. I believe that this incident does not accurately reflect my creditworthiness and would greatly appreciate your help in rectifying the situation. 

I understand that goodwill adjustments are made at your discretion, but I hope you can consider the extenuating circumstances surrounding this matter. I am committed to maintaining a positive credit history and would be grateful for any assistance you can provide in resolving this issue. 

They have never reached out to me, I reported a unauthorized transaction and after that they closed my account, but I am protected with the fair act of any transaction not authorized by me shall not affect me, dont know if its that but im guessing because that was the only action made, looking in now I have found 4 more additional transactions that were made without my knowledge or authorization Thank you for your attention to this matter. I look forward to your response and to having my credit report accurately reflect my financial responsibility.
Product: Credit reporting or other personal consumer reports

Tuesday XXXX XXXX I was able to receive a credit report because I kept falling my identity test. While reviewing my credit report I noticed that I had two social security numbers that was attached to accounts on my credit report. I also had an account with wrong information. So, the account with wrong information was " ASSETCARE LLC ''. This account was from XXXX XXXX XXXX XX/XX/XXXX. I gave them a call because I have XXXX and I didn't understand why my insurance wasn't billed. After speaking with them I found out the information that was on that account was not the same as my information so I'm requesting a dispute. Next was XXXX XXXX XXXX XXXX XXXX this account was for " XXXX XXXX XXXX ''. This account made me very upset because I have never had my own place and there billing information isnt consistent with mines. Also, I live in Virginia, and I can provide receipts for the last 8 years. Then the last one was XXXX XXXX XXXX XXXX XXXX. This account is from Ohio as well, but the account was attached to a another social on my report and it was around the time I was XXXX XXXX  to my daughter at XXXX. I believe someone may have had access to my information because I did lose my I.D . While riding home from work on the bus, I was so tired I left my purse and didn't realize it until I got home. 
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Product: Money transfer, virtual currency, or money service

I made a purchase with PayPal for XXXX. This was an upstart venture that never launched. The person running the service refunded everyone 's money in the same fashion that was used to make the payment. 
I attempted to retrieve MY money from PayPal. I do NOT and WILL NOT provide PayPal with my debit/checking account #, as I see that risky, especially since I know someone whose PayPal account was hacked and had fraudulent credit card charges. Furthermore, I could deal with fraudulent credit card, but NOT debit card, as that's MY money. 
They have an option to get a check cut. I went through this option with a representative online two times, and the system is broken. It would not allow me to retrieve MY money, and the representative stated that this is the only way the money can be released. She then connected me with XXXX ( supervisor # XXXX, ) who refused to help me any further, even though THEIR SYSTEM is broken. I would have expected him to take this breakage to his IT team, and then call me back when the matter is resolved, but he simply stated that there was nothing he can do. My attempts at escalation resulted in his claim that there is nobody else above him and that's it. So bottom line, PayPal is stealing {$45.00} from me.
Product: Checking or savings account

I opened a Wells Fargo Saving Account on XX/XX/23 with a {$520.00} bonus attached to it. 

I had over {$25000.00} by day 30 of account opening and also over {$25000.00} on day 90 since account opened as instructed by the banker and bank bonus requirements. 

I had a friend open the exact same bonus on the same day and they have received the bonus on XX/XX/23 and my account has not been credited the {$520.00}.
Product: Checking or savings account

I applied for a Citibank XXXX XXXX account on XX/XX/2020. I spoke on a Live Chat with a representative named XXXX who told me the interest rate would not be any lower than .90 %. When I tried to fund the account on XX/XX/2020, I saw the interest rate had changed to .70 %. I spoke Citibank 's " Dedicated Account Management Team '' and I was told the interest had changed and the would not honor the guaranteed rate of .90 %. I have screenshots of my Live Chat with XXXX, the representative I spoke with on XX/XX/2020. I feel I was baited into opening an account with Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # : XXXX Account name : XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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.
Product: Debt collection

I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation. I've attached the required documentation to validate my stance.