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

XXXX violated by conspiracy to commit fraud with XXXX for financial gain and has willfully callously been in noncompliance of the laws FCRA 15 U.S.C. 605b block and reinsertion of fraudulent documents and is guilty of fraud with the miss representation of my credit report and caused financial harm blocking me from housing and employment to a XXXX person with the fraudulent document illegally obtained by this evil operation ran by XXXX XXXX XXXX whom has no legal authority to inserted without legal authority to act on nor have my permission and my right to privacy ignoring all requests to XXXX XXXX XXXX XXXX correct delete block and cease and desist of such crimes and sued for in which I'm owed civil liabilities for compensation of such harm blocked me from a {$150.00}, XXXX XXXX housing opportunity and a career projected t o make me a XXXX XXXX  and instead created homelessness to a XXXX person and has been for the course of a year of reporting to these evil actors and you the CFPB have just sued and won monies to compensated consumers and I'm eligible for this compensation and services from the Equifax data breech that Experian illegally charged my bank account for XXXX XXXX I demand my right to civil liabilities owed to me and wish for my share owed in the civil fund from the lawsuit just completed last month to the XXXX XXXX XXXX insurance claim EQUIFAX has agreed EXPERIAN provide through credit works because together they cost me to suffer since 2017 putting my son and i at risk of death and suffer in the state of homelessness, no way to self support and created inhumane dangerous conditions during our nations most dangerous times in history with the boarders open and women and children being XXXX XXXX XXXX XXXX. The fact that these disgusting acts are for financial gain is grounds for jail terms and banned from profiting off of the fraud is against human rights of an XXXX and Equifax is sued for XXXX XXXX for the same XXXX with several reports to you and them with the ignoring of several other 605b blocks.
Product: Money transfer, virtual currency, or money service

My mom was contacted by someone pretending to be a XXXX XXXX XXXXXXXX on XX/XX/XXXX. He said she was involved in a XXXX XXXX XXXX  and she needed to send then money to clear her name. Over the course of a month she began transferring them money via wire with the first one dating XXXX for XXXX, the next XXXX for XXXX, the next XX/XX/XXXX for XXXX and the last amount XX/XX/XXXX for XXXX. They said they were going to transfer the money back but have cease all comtact.
Product: Vehicle loan or lease

In the month of XXXX XXXX I fell behind on my payments, during the process of making payments to bring my loan into good standing and current with XXXX XXXX XXXX. I authorized a post dated payment to be withdrawn from my account on XXXX XXXX, XXXX. After 4 days of checking my account and no withdrawal of {$250.00} dollars from my XXXX XXXX XXXX XXXX Checking Account ending in XXXX, I called XXXX customer service line and spoke with a representative who said that she saw the payment pending but now further information was available. I authorized a second payment in the event that XXXX/XXXX/XXXX payment was n't processed correctly. The second payment was processed on XXXX XXXX, XXXX. After a few more days my account did not reflect any withdrawals from XXXX XXXX XXXX processing that XXXX uses for their collection purposes. I spoke with the Bank branch manager who researched the issue on their end and confirmed that no withdrawals were attempted. I gave it a few more days in the event that there were any delays in processing until I received a very rude collection call accusing me of being 50days past due and owing {$530.00}. When i asked about what happened to my previous payments the collection rep was unable to answer that question and informed me that the unsuccessful payments were noted as being NSF. I quickly corrected her that those previous payments were not presented to my bank for collection and then I asked to speak to a manager and supervisor who could answer my questions and find out why my payments were never processed and now being reported as NSF on my account and listing my loan late with the Credit Bureaus. The manager was just as rude as the rep and was less helpful than the previous representative. The company is unwilling to resolve the incorrect information still reporting my account as late for XXXX XXXX with the 3 Credit agencies. 
Monday XXXX XXXX, XXXX I authorized a payment to be collected from my savings account which was successful. Wednesday XXXX a complaint advocate left a message wanting to speak to me in regards to the conflicting information, whoever the telephone number she left for me to call back was incorrect and when I called the general customer service number the agent informed me that they do not forward calls to another departments and if he was not able to resolve my matter that he would forward a message onto his manager and have someone contact me, 48 hours later still no call or solution. 
So I would like XXXX XXXX to provide me with an explanation as to the issue that prevented my payments to be withdrawn from my account on XXXX & XXXX ; then the account to be corrected and reflect the correct reason for the failed payments and not NSF. After that a correction to the 3 credit bureaus that my payment was only 30 days past due for the month of XXXX, XXXX. 
It probably would n't hurt for them to be audited and make sure they are treating customers fairly and not using unethical collection tactics.
Product: Money transfer, virtual currency, or money service

I have been denied services and have been placed on a denied service list.Although I was a XXXX XXXX member and used services for years without incident. Today I could not receive funds. XX/XX/2021 I believe this is XXXX Profiling by western union.
Product: Payday loan, title loan, or personal loan

Hi My Name is XXXX I have dealt with Regional Finance ( XXXX, Texas ) branch XXXX XXXX XXXX, for 4 yrs at this point and they have service 3-4 prior loans for which i was never late with a payment and paid all of them off early. 
I was adversly effected by covid and lost my form of income. I notified them of this and attempted to make arrangemnets. I have submitted bank statements and proof of a drastically reduced income. On one attempt after months of recieving calls they denied a reduction in payments. 
What makes this worse is that My wife is an XXXX  of XXXX XXXX and has been harrasssed for being married to me. My wife knew nothing of this loan was not included in references at all. I had be dealing with Regional Finance 3 yrs prior to her being XXXX  by them.

I have requested them to leave her out of my personal loan yet they have repeatedly attempted to involve her causing a really bad home situation.

I explained this to there Corporate office and the situation has gotten worse. 
Intimidating me by using my wifes XXXX  as harrassment is unjust. 
Me and my wife have never discussed finance with one another we have seperate bank accounts. They have involoved her in my personal matter and caused undue stress in my household. I have offerede to pay on interest only until I am gainfully employed once again yet was met with " have your wife Pay it ''. 
I dont know what else to do at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

Summary of Events Comenity XX/XX/XXXX : I spoke to a Resolution Specialist named XXXX, ID XXXX, regarding my account and the 60 days late payment. I explained that because of COVID my income took a hit when my finance lost his job. I was told that after making my account current the two payments reporting late for the months of XXXX and XXXX would be updated and reflect as current on my credit report. I paid {$120.00} by phone to get my account current. She also suggested that I contact the company 's Credit Reporting department and make them aware of the situation. 

XX/XX/XXXX : I wrote a letter to the Comnenity 's credit reporting department letting them know about the situation. 

XX/XX/XXXX : Comnenity responded that they will not make any adjustments to my payment history. 

XX/XX/XXXX : I sent a formal dispute letter to Comnenity Bank asking them to remove the derogatory comments on my XXXX and XXXX file regarding the two late payments. I also asked them to remove the two late payments showing on my XXXX file. I also included the HERO Act bill that suspends negative credit reporting during the COVID 19 pandemic, explaining to them that they were acting unlawfully by reporting negative information. 

XX/XX/XXXX : I sent formal dispute letter to XXXX as well stating the same information in regards to the HERO Act. 

XX/XX/XXXX : Comenity updated my XXXX credit report and it now shows that my account status is current. However, this was never the problem. I asked that the two late payments be removed. They are still showing on the credit report and have caused my credit score to drop. They have also caused another bank ( XXXX XXXX XXXX ) to close one of my credit cards which has inadvertently hurt my score. 

XX/XX/XXXX : Instead of updating the comment section ONLY to show good standing in payments on my behalf, Comenity updated my XXXX and XXXX credit report to show late payments for the months of XXXX and XXXX. ( Before the month of XXXX and XXXX were blank ). This has not helped my credit it has hurt my score even more.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX XXXX  XXXX and I do not have a contract with PHOENIX FINANCIAL XXXX plus they did not provide me with the original application like I asked. 
Account XXXX Amount Disputed : {$730.00}
Product: Student loan

I was about a month away from the end of my deferment period after graduating with my XXXX XXXX degree and was enrolled in a graduate program. The school had already sent out the information to lenders so my deferment should have been continued but I continued to receive notifications that I had to pay soon. I contacted Navient to get this fixed, as I am not working during my program and can not make any payments so the deferment was necessary. The person I spoke to said that he didn't know if they got the information from my school stating I would be enrolled full-time so I got a letter directly from the admissions office with all of the necessary information to defer my loans and submitted it immediately. My payment date was coming up in a few days at this point so I asked them how long it would take to change this on my account and stop the payments/begin deferring my loans again and he said it would range from one to two weeks so it is mandated that I make a payment so I am not late. I made the payment after getting off the phone with him and the next day, my deferment was accepted. Thoroughly disappointed in the inaccurate information I was given, as I have limited funds as is and made a large payment when I should not have had to.
Product: Debt collection

My data was breached All the collections and closed accounts are not mine under FCRA 15 USC 1681 i demand that these accounts be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my credit report. I noticed some fraudulent accounts that were not opened by me. Please investigate these fraudulent accounts and remove them from my credit report. Please send an updated copy of my updated credit report.
Product: Debt collection

According to the Debt Collection Practices act the alleged debt was disputed and or requested for validation. Multiple validation requests were submitted to Bank of America. 
Notice request for validation 1 : XX/XX/2019 Notice request for validation 2 : XX/XX/2019 Notice request for validation 1 : XX/XX/2019 None of these requests were answered in accord with the Debt Collection Practices Act. 
809. Validation of debts : ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX # 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 instruction
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 XXXX : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  : 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 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

Frauding my immazation record of XXXX Indiana of XXXX XXXXXXXX others frauded as business permits and products and flood and semi truck rest stops and gas cards frauding XXXX XXXX XXXX of XXXX Indiana of my documents
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an online dispute and I also wrote a dispute letter to all three credit bureaus, XXXX, Equifax, and XXXX, with partial correction. My mortgage account has been paid in full since XX/XX/2021, when we sold our home. We are currently trying to buy our forever home, but until this mortgage account is corrected we can not get pre-approved for a home loan. At first the account was still open, they have since reported it " closed, paid in full ''. The other issue is that they are reporting a 30 day late payment for XX/XX/2021, but under the report it lists the payment history and states XXXX 's payment was on time with a payment made XX/XX/2021. That payment is being reported as XXXX 's payment, when we did not make a payment for XXXX, because we were in the process of closing on the home we were selling. So XXXX 's payment was made XX/XX/2021 and was not 30 days late. All 3 credit bureaus changed the account status to " closed paid in full '', but did not correct the late payment error.
Product: Credit card or prepaid card

XXXX XXXX XXXX American Express Card and American Express has a promotion program " Earn XXXX XXXX XXXX XXXX XXXX XXXX XXXX  after you spend $ XXXX, $ XXXX, $ XXXX and $ XXXX. With a combination of XXXX XXXX XXXX and card spending members are rewarded with XXXX  status of Silver, Gold, Platinum, or Diamond status. 

On XX/XX/XXXX, AMEX forwarded My rewards XXXX to XXXX. XXXX failed to apply the rewards until XX/XX/XXXX, after XXXX XXXX. only to take those XXXX XXXX at midnight - I believe this is a pattern and practice of XXXX and AMEX to defraud customers of the XXXX  and status. 

I contact XXXX on XX/XX/XXXX, XXXX, XXXX, and XXXX of XXXX. During these calls, XXXX acted as though they had not received the information from AMEX. I then called AMEX several times. AMEX assured me the information was forwarded to XXXX. 

I believe XXXX and AMEX have a pattern and practice to defraud, provide false advertisement, and breach of contracts to its customers by delaying the arrival of points and promotions. 

By delaying the arrival of the XXXX at the end of the year cause me to have to start over with " XXXX '' XXXX. I was only XXXX points away from Platinum status and would have received it cause of the two flights that I had planned. 

I am hereby requesting an investigation into the pattern and practice of both AMEX and XXXX XXXX XXXX 's handling of promotions and rewards. 

I was told by XXXX I was not eligible for " my own points XXXX XXXX but could " gift '' them to someone else ''. This is Fraud, False Advertisement, and Deception
Product: Checking or savings account

I was just charged a {$10.00} junk overdraft fee for being {$2.00} in the negative
Product: Student loan

I received a private student loan in XXXX. I have continuously paid even while in school. The interest rate has been going up in a manner that benefits the lender. By the time I pay off, I will have paid the loan twice. I believe this is a predatory scheme and I need to know if something can be done. 

I have saved PDF files of the loan and the interest rate if you should need them. 

I spoke to a representative of the company but they tell me I will be out of the loan in XXXX.
Product: Debt collection

COLUMBIA DEBT RECOVERY Account XXXX XXXX I have no debt with company and I NEVER SIGNED ANYTHING WITH THIS COMPANY. I'm taking them to court due to committing identity theft on me! USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Product: Credit reporting, credit repair services, or other personal consumer reports

This account below has violated my federally protected consumer rights and must be deleted for inaccuracy because it continues to report activity after the close date of XX/XX/2020, also this account shows a past due balance of {$1000.00} which is inaccurate. A closed/chargeoff account must NOT show a past due balance ( after it was charged-off with the XXXX  ) or show XXXX activity after the account closed date. 


XXXX Bank XXXX XXXX. # XXXX
Product: Money transfers

Money is transferred from Bank of America in New Jersey US to XXXX ( XXXX XXXX : XXXX ) in XXXX XXXX for {$9900.00} USD. Even after 14 calendar days money is not deposited into the destination account. Complaint is filed to trace with Bank of America and waiting for their reply and will contact them in another 3 days to check on the status
Product: Credit reporting or other personal consumer reports

I would like to dispute inaccurate and harmful information on my credit report that is negatively impacting my XXXX score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XXXX with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Product: Bank account or service

I have a business account with PNC Bank. After my last over draft fee I requested to have the account to not except my debit card if funds were unavailable. This was last XX/XX/XXXX. 
Since I monitor my account daily. 
I made a deposit and had funds available on XXXX. On the same day ( Saturday ) I made a cash withdraw and several purchases using my debit card. On Monday ( XXXX ) at XXXX I showed money in the account and the pending deposit and the outstanding purchases. On XXXX I checked my account to discover that that deposit had cleared into my account and the waiting purchases had cleared as well. But the bank took advantage of my balance to what customer service rep XXXX XXXX said the waiting purchases had cleared before the deposit. XXXX over draft fee for XXXX dollars each were charged to my account. I was unable to have the fees returned. I make a deposits on Friday and the check is cleared the same day, available the next day ( Saturday ). Make a deposit on a Saturday and funds are n't cleared till after XXXX Monday. If the deposit clears first no problems but if purchases are pending the bank seems to always take advantage of the pending purchases and not the deposits to go after over draft fees. I have screen shots of my account and never once does it show the account in the negative.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Midland Credit Management Address : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Dear Midland Credit Management I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Checking or savings account

I opened Relation Checking account with BMO bank on XX/XX/2023. At the time of opening the account, there was an offer of {$600.00} opening account bonus once {$7500.00} of direct deposit made with XXXX  days ( attached ). 

On XXXX XXXX, I called BMO bank to inquire on the offer as I had completed all the qualifications. 
XXXX told me that the offer was to complete requirements in XXXX  days and not XXXX  days and hence, I would not be eligible for the offer. I tried to explain that BMO had a revised offer of XX/XX/XXXX and that is exactly the reason I opened this account. 

BMO XXXX  did not honor the request, I sent a written complaint as well. I need CFPB to look into this matter and penalize the bank for predatory practices.