23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I'm asking for your help with this complaint because I'm having a problem trying to get a refund of a stolen money order from XXXX XXXX XXXX XXXX, Check Cashing. I put in a complaint with the XXXX Department of Finance Service, who contacted XXXX. We received a letter letting us know Chase would be the persons to contact, because they're the ones who cashed the Money Order. So, I was told by the XXXX to send a complaint to Consumer Financial Protection Bureau, because you handle Banks. 
Thank you. 

See the letter below of the whole complaint : I live in XXXX New York and the money order I brought from XXXX for my XX/XX/XXXX rent was stolen in route to the rent office and cashed. The amount was for {XXXX} I went and got a copy of the washed money order, got a police report and filled out a Affidavit of Forgery or Alteration. And had that form notarized. They didnt start the process until XXXX of XXXX, because they said the paperwork that was first sent in was not complete, so I resent the paperwork, called to see if it was received and if it was correct, and was assured it was. Over time I called and talked to many different people at their headquarters in XXXX. I even called the Bank XXXX works with on these matters, ( XXXX XXXX XXXX ) and Chase, the bank where the money order was cash. When I spoke to Chase, they said they were unable to provide me with any information because I did not have an account with them. And the only answer I'm getting from XXXX to date is, " the affidavit is pending ''. The last pending date was XX/XX/XXXX. When I asked them why, and what's the hold up, I get no reasoning or answers to why it's still pending. The address I was told to send the paperwork to is XXXX XXXX XXXX XXXX XXXX attn Money order dept. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Il XXXX. The last person I spoke with is the supervisor, XXXX XXXX of the Affidavit Department, phone number XXXX
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding MIDLAND CREDIT MANAGEMENT XXXX, who is attempting to collect on an alleged debt that I believe to be inaccurate and/or invalid. I am requesting an investigation into this matter and the resolution of the wrongful collections practices that are occurring. The specific details of the alleged debt are as follows : Creditor Name : MIDLAND CREDIT MANAGEMENT XXXX Amount Alleged Owed : {$610.00} Date of Alleged Debt : XX/XX/year>2021 Dispute of Debt : I dispute the validity of the debt in question and assert that I am not responsible for this obligation. According to the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, I request that MIDLAND CREDIT MANAGEMENT XXXX provide me with proper verification of this debt. Specifically, I am requesting : XXXX. A copy of the original signed agreement or contract that establishes the debt ; XXXX. A complete payment history for the alleged debt, showing all charges, payments, and credits ; XXXX. MIDLAND CREDIT MANAGEMENT XXXX has the legal right to collect this debt on behalf of the original creditor ; XXXX. Any judgment or legal proceedings related to this debt. 
Furthermore, under XXXX XXXX. XXXX, I request that all future communications regarding this alleged debt be in writing, and I instruct MIDLAND CREDIT MANAGEMENT XXXX to cease any direct phone contact with me. 

Violation of the Fair Credit Reporting Act : In addition to the dispute of the debt itself, I am invoking my rights under XXXX U.S.C. XXXX ( b ) of the Fair Credit Reporting Act ( FCRA ), which requires that all information reported to credit bureaus be accurate. If this alleged debt is not properly verified, I request that it be removed from my credit reports and that no further inaccurate information be reported regarding this account. 

Request for Resolution : I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) intervene and assist in resolving this dispute. I ask that MIDLAND CREDIT MANAGEMENT XXXX cease all collection efforts until this matter has been thoroughly reviewed, and that they provide the requested documentation to verify the debt as required by law. If MIDLAND CREDIT MANAGEMENT XXXX fails to provide such verification within 30 days, I expect this debt to be removed from my credit records and for further collection actions to cease. 

Please investigate this matter thoroughly and provide me with any updates regarding the resolution of my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes, I sent a follow-up dispute ( XX/XX/2019 ) by means of a Credit Repair Organization, Experian has failed to respond. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX {$1100.00} not mine XXXX XXXX {$2900.00} not mine XXXX XXXX BK XXXX {$600.00} not mine XXXX XXXX XXXX XXXX XXXX {$430.00} not mine
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX, and Equifax Information Services has violated FCRA 15 U.S.Code 1681 c-2, by reporting accounts that are fraudulent on my credit report. I have provided each credit reporting agency with a copy of the FTC Identity form, with the accounts that are fraudulent. They are required by law to respond with their decision to rescind the block or block the information within 4 business days. It has been more than 4 business days since, the dispute. Please delete the fraudulent accounts that are reporting under my social. Failure to remove the information will result in a lawsuit against the companies.
Product: Credit reporting, credit repair services, 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. 

-XXXX XXXXXXXX Account # XXXX, has violated my rights. 
-XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
-XXXX XXXX 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: Credit reporting or other personal consumer reports

This letter is to inform CFPB that Experian are not following the proper procedure for consumer dispute.CFPB is currently being sued for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that Experian does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers access to credit, employment, and housing. CFPB is notorious for telling consumers that you will not investigate accounts if you have previously investigated and now we see that you all never really investigated anything for consumers. I am demanding that CFPB investigate/ reinvestigate all previous disputes filed through Experian and the outcome be removed today.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am displeased by this oversight and hereby urge you to promptly address and rectify all inaccuracies present in your records. I request that immediate action be taken to ensure the integrity and accuracy of my credit profile is restored without delay. Additionally, I ask that you eliminate any employers and phone numbers associated with my credit report. According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of incorrect and outdated personal information on my credit report. The inaccurate data reported negatively impacts my creditworthiness and violates my rights under federal law. Delete this from my personal credit report now! 

Listed below are the Personal Information that are being challenged : Employer - XXXX XXXX XXXX Employer - XXXX Employer - XXXX XXXX XXXXXXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Employer - XXXX XXXX XXXX Incorrect DOB : XXXX XXXX Incorrect Current Address : - XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I contacted Discover to correct and erase the charge off balance on the account listed below. They claim they are reporting correctly but they are not. They put a charge off on the account on XX/XX/XXXX. But the account was charged off in XX/XX/XXXX. They just added the charge off once my account was paid in full through garnishment. See attached. I want this account removed from my credit report the date of first delinquency was XX/XX/XXXX.
Product: Credit card or prepaid card

On XX/XX/19 I noticed a credit card charge on my card in the amount of XXXX referencing a merchant name of XXXX*. I immediately called my credit card company chase and reported the fraud. They took the charge off. 

Two month later on XX/XX/19 I noticed the charge back on my card. I contacted my credit card company and they stated after doing research the charge was valid. I asked for documentation which was sent to me, everything listed clearly indicated this was a scam as the phone number, email address and 3rd party name were all fabricated. I filed a police report with my local police department. 

The money was picked up in XXXX  XXXX Missouri and picked up by a person with a DE state ID XXXX XXXX refuses to give me the exact location where as I would use this to contact them and ask for surveillance footage and or what there process is when picking up money. is a copy of the id kept on file? 

chase is now investigating this for the third time and I am still waiting on a resolution
Product: Mortgage

My Loan is with Fay Servicing ( wwwfayservicing.com ) loan number XXXX. In XXXX my payment jumped from $ XXXX a month to $ XXXX. I went ahead and paid the full amount. Since then I have been calling them for 40 days trying to get an escrow analysis and itemization of the credits and debits on the escrow balance. I have literally spoke with 6 different representatives that have provided no information nor documentation. Further, since I didn't receive and answer nor any documents, I went ahead and paid the XXXX payment as well in the amount of XXXX. All I am requesting are these documents to see why the payment went up and to make sure the payments were made correctly to the insurance company and county. I am requesting all documents since the conception of my loan. I know that they are violating some law due to the timeframe that is mandated by servicers to provide information to their clients. Your assistance in this matter would be greatly appreciated. Thanks
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX authorized a new credit card which I never authorized and sent it to an address which is not mine. I received a notification on XX/XX/XXXX to me email and called them to let them know that I never applied for that card. XXXX  advised me they would cancel the card and XXXX, in fraud department advised me they made a fraud claim for me. On XX/XX/XXXX I received another notice from the bank that another card was processed and shipped out. When I called XXXX on XX/XX/XXXX the fraud department told me that they could not find the claim that was previously done. This was issued after I put a fraud alert on my accounts. The supervisor appolozied and said she would cancel that one too and insured me she would submit a claim. 
Failing to report a fraud claim by a bank caused my identity to be stolen.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Reported : XXXX XXXX XXXX  {$820.00} To Whom It May Concern, I am writing to formally request validation of the debt referenced in your recent communication. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I am entitled to request and receive proof of the debt you claim I owe.
Product: Debt collection

Debt recovery solutions sent an unsolicited debt recovery notice from XXXX XXXX. Have never sought credit from XXXX XXXX.
Product: Bank account or service

In XXXX of 2015 a check that I had written for {$10.00}. for a co-pay for a medical visit was confiscated from either my mailbox or the billing department of the medical offices without my knowledge. The check payee was changed and amount was altered to {$4000.00}. The obvious forgery was presented to PNC for payment electronically and it was successfully negotiated with the {$4000.00}. being taken out of my PNC account. Apparently, the same check was altered a second time, presented electronically to PNC bank, but the forgery was noticed by the credit union to which the forger presented it and the negotiation was ultimately unsuccessful. In early XXXX of 2015, PNC notified me of the fraudulent activity which I had not noticed. PNC has refused to issue a refund for the {$4000.00}. that was removed from my account. Furthermore, despite the check being an obvious forgery, I was told by a representative from PNC that they are not able to scrutinize electronic transactions due to large volume. 
A bank 's primary responsibility is to safeguard the money entrusted to them in the form of bank accounts. Electronic transactions such as this should not be permitted if an obviously forged check can so easily be negotiated twice. It is the fiduciary responsibility of the bank to protect consumers from such blatant fraudulent activity.
Product: Debt collection

On XX/XX/2020 I sent a letter via certified mail to Carter-Young, Inc requesting validation of the debt they say I owe. I still have not received the information that I requested from this company. This debt still appears on my credit file as a negative account. It is causing many disruptions in my life, including finding a home.
Product: Credit reporting or other personal consumer reports

This debt does not belong to me and neither did i agree to this debt
Product: Checking or savings account

I open account on coinbase couple days XXXX from account was transfer next day they try another XXXX but i didnt have insufficient funds so they couldnt when i email them sayings that they disbaled my account i open 3 cases every case after day or two is closed and sayong can not be restore please help there is no phone number to contact or anything
Product: Debt collection

I became aware in  XXXX   XXXX  that this company was reporting on all the credit bureaus a collection in the amount of {$200.00}. Upon inquiry, I was told that the debt related to " unreturned cable equipment '' several years earlier.     I contacted  XXXX   XXXX   XXXX  - the provider in  XXXX  and they were unable to provide any documentation for the alleged debt. They agreed to remove it. When they did not, I filed complaints with the individual credit bureaus and   XXXX   and  XXXX  removed the items. However,  XXXX  did not ( see attached ).     In addition to collecting for a debt that is not owed, this is clea rly ( see attached ) a duplication of another phony debt attempting to be collected by another low-life collection agency.
Product: Credit card

I purchased a XXXX XXXX XXXX XXXX on XX/XX/XXXX, using my TD BANK XXXX XXXX credit account. Phone was supposed to be delivered XX/XX/XXXX. Instead I get a delivery delayed notice. I contact XXXX and they tell me they will not ship the phone because XXXXXXXX XXXX was not authorizing the transaction. I reached out to XXXXXXXX XXXX and waited in cues a total of over 6 hours only to be hung up on 2 times. I also emailed their listed customer service department seeking help, because once I logged into my account not only did I find that they did authorize the transaction on XX/XX/XXXX, they authorized it again on XX/XX/XXXX. My current card balance is sitting at double, so {$2400.00}. But even with proof that the transaction is complete, XXXX is not releasing the product I was charged for twice.
Product: Vehicle loan or lease

on XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored by my disputes. Section 611 ( a ). it is plainly stated that a failure to investigating these items within 30 days give a reason to immediately remove those items from my credit report. it has been over 60 days so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to stress you caused me. My information was also impacted by the XXXX data breach and may gotten into the hands of the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an active XXXX that I opened several years ago with XXXX XXXX. In XX/XX/2018 XXXX sold their credit card portfolio to XXXX XXXX, a subsidiary of XXXX XXXX   XXXX  XXXX, XXXX, South Dakota. XXXX sent a letter to me and all customers notifying them about the portfolio sale to XXXX effective in XXXX. 

In XXXX, when XXXX XXXX  XXXX  XXXX reported my XXXX account to TransUnion, XXXX  and XXXX for the first time, my XXXX  credit scores with these 3 credit bureaus all dropped dramatically. My scores dropped 103 points with TransUnion, 97 points with XXXX, and over 50 points with XXXX. 

I did not have a late payment or an increase in my balance, or any other negative action on my part. In fact my TransUnion report that I access through XXXX noted that I had paid the balance lower and they showed that as a positive change. Additionally there are no other recent changes, late payments, increased debt, or any other negative items on any of my other accounts. This drop in my score is definitely the result of the XXXX to XXXX sale. 

So, because one financial company ( XXXX ) sold their credit card portfolio to another company ( XXXX XXXX XXXX XXXX  XXXX  XXXX ) the result of their actions is my credit score plummeted about 100 points. I did nothing wrong here. I should not be punished and harmed when I've done absolutely nothing wrong. 

I have called each credit bureau and XXXX XXXX, as well as contacted XXXX XXXX XXXX XXXX. I also filed disputes with TransUnion and XXXX. Results : XXXX told me they are reporting correctly and the credit bureaus responded that they investigated and verified the details of my account at XXXX. Everything shows paid as agreed and no other negative issues. 

Summary : I can not get an answer from any credit bureau about why they destroyed my credit rating and lowered my scores about 100 points, when this credit card portfolio was sold. It is not fair business practice to cause great harm to the consumer when I've done nothing but meet my obligations. The bureaus harmed me because two big companies sold this portfolio. I had nothing to do with that.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and noticed several addresses listed that are not mine. These addresses are associated with accounts or activities that I did not authorize, and I believe they are the result of identity theft. I have not lived at these locations, and I did not open any accounts or make purchases associated with them. I am in the process of disputing these entries with the credit bureaus and taking steps to resolve the issue, including reporting the fraud to the appropriate authorities.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$8600.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 

XXXX XXXX XXXX
Product: Checking or savings account

On XXXX XXXX, I entered Citizens bank to withdraw my money from my savings account. There was a teller by the name of XXXX XXXX who was assisting me with withdrawing money from my savings. Everything was completely fine. I even signed my withdrawal, slip to take my money out then Then teller asked the assistant manager XXXX XXXX to assist her with the transaction. The assistant manager looked at me with hate and disgust for whatever reason, I have no idea Then, suddenly, with a grin on her face, she decided to tell me I cant get my own money from the bank. I asked her what is the reason when I teller was half way through the transaction and everything was fine. She continued to tell me I cant get money out and made up a random lie saying my account has been red flagged. It was the end of the day and the bank was about to close so the only thing I had left to do was call Customer Service. I was told by Customer Service everything on my account was just fine and I am able to withdraw money from my account with no issue. I went back the next day to do the same transaction all over again I was greeted by the same worker XXXX XXXX XXXX once again. XXXX came out to tell me again I can not get money from my account even though I had my ID, answered all the security questions for my account, like I did the day before. This time she tells me I have a red flag on my account & I cant get money out and Im answering the security questions wrong. I knew for sure the answers to the questions were right because I answered them previously. Now Im confused wondering why shes giving me a hard time about getting my own money out of my account. I realize its most definitely racially motivated because she had a nasty attitude when she first saw me the first time and decided to do anything in our power, to withhold me from withdrawing my own funds from my account. So I leave the bank and decide Im going to go somewhere else. I left the bank and went to another Citizens five minutes away, and they were able to help me with no problem at all. Hours later, I get a phone call from the police department, stating that i was threatening a teller. None of this ever happened. I was never violent or threatening anybody. She made up a lie to keep me from getting my money and now I can not walk on the premises. Two weeks later, I received a letter stating my savings account will be closed and Im no longer allowed on the premises, and that my account will be inactive. Im so confused because Ive had this account with no issues for over 10 years and now Im being threatened with my account being closed and Im unable to walk the premises or get my money out of the bank. 
This is completely wrong, and I am in disbelief
Product: Vehicle loan or lease

Under USC 1605 its States That the Finance Charge is the Sun of All Charges. Why I am paying a monthly note and wasnt aware that I signed over my rights of my Promissory Note. Which by law is mines. A credit transaction took place when I extended my credit for the vehicle. Also, I was force to make a down payment which by consumers law is illegal. I state these fact too be true.
Product: Checking or savings account

I am to file a complaint against Navy Federal credit union regarding multiple overdraft fee I have incurred. Despite having insufficient funds when transactions were authorized I was charged a fee due to lagged posting of charges and credits.This issues aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.