23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Bank of America offered to a small business XXXX XXXX, a C-corporation incorporated in the state of New Jersey XXXX XXXX line of credit for {$92000.00} on XX/XX/XXXX, a product called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX variable interest rate XXXX XXXX XXXX XXXX XXXX XXXX 2 %. Business started using this line of credit as the main source of liquidity, and ended up using the whole limit. With no default of any kind from the business, Bank of America unilaterally and shockingly ceased this line of credit on XX/XX/XXXX ( the Expiration Date ) and converted it in the term loan at much higher rate of 7.5 %. This is an illegal business practice of bait and switch. This conversion killed the liquidity of the business which was started in XXXX and was employing multiple employees in the critical growth stage, and resulted adversely ultimately the closure and dissolution of business in XXXX Business tried to make the payments till XX/XX/XXXX but had no funds left leaving the remainder of {$32000.00}. This loan which was a genuine business bad debt, Bank of America sold on XX/XX/XXXX to an overly aggressive debt collection company XXXX XXXX XXXX XXXX XXXX, XXXX, which sued on XX/XX/XXXX the business and the business owner adding unreasonable legal fees and interest. Because business was closed, the collection company through their law firm XXXX XXXX XXXX XXXX XXXX XXXX went after the real-property of the poor business owner and obtained judgment abusing the legal system and now making the business owner and his children homeless by having a Sherrif sale of his real property on XX/XX/XXXX. It is a highly time sensitive stressful situation which if not immediately intervened and resolved will have irreparable and irreversible damage on the innocent victims.
Product: Credit card

I applied for a credit loan through XXXX furniture store to pay for for a couch for our new home. It was a loan to be paid off within 1 year. The puchase was made in XX/XX/XXXX. 

The loan was through Fortiva. I paid it off within the stipulated 1 year duration. 

It was paid off, to be more precise, in XXXX of XXXX. 

In XXXX of XXXX, I received a credit card bill for a card I never applied for and consented to. The bill was for {$57.00}. It was for an activation fee. And the card was with Fortiva. 

I immediately called their customer service line. 

They told me that because I never responded to their email in XXXX, they take that as a green light to move forward with opening a credit card in my name. 

I told them I would not be paying the {$57.00} fee and to close my account. I recieved a confirmation email that they closed my account. 

Today, on XX/XX/XXXX, I recieved an email stating I owe them {$27.00} this month and the {$57.00} fee is still outstanding. 

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

I am a XXXX XXXX service connected XXXX veteran who is a victim of credit card fraud and identity theft. In XX/XX/XXXX I was affected by the data breach and consumer services. Also, in XX/XX/XXXX my wallet, credit cards, keys, and cellphone was stolen from my vehicle while traveling out of the country in the XXXX XXXX. However I have repeatedly contacted all three major credit bureaus mainly Equifax providing a police and incident report. The aftermath has caused my XXXX score do decline significantly. The three major credit bureaus are less responsive to solve the issues that has a major impact on my small business and personal credit
Product: Mortgage

In XX/XX/XXXX I set up automatic payments on my new home mortgage. My first payment was due XX/XX/XXXX. I checked the website on XX/XX/XXXX and my payment was still listed as unpaid. There was no record on the website of an automatic payment being in effect or of any pending payment, so to avoid being overdue, I manually submitted an automatic payment. However, my payment was then drafted twice, which over-drafted my checking account. 

I contacted the company 3 times by secure message on their website asking to have the extra payment reversed or to be compensated with interest and received no reply for over a week. I also contacted the call center multiple times. Each time, I was unable to speak with a representative. The automated system kept me on hold for several minutes and then directed me to leave a voicemail so that my call could be returned. Each time, my call was never returned ( even a month later ). 

When I finally did receive a response to my written complaint submitted via the website, the company refused to take any corrective action, claiming that I have received a confirmation that auto-pay was in effect. This is true, however, as I stated previously, there was later no way to verify that the automatic payment was still in effect or that any payment was pending via the website even after the due date for my first payment. 

I decided at this point to just give up and assumed the financial loss they caused me ( lost interest and investment gains on funds ) was not worth the effort of fighting further. 

However, on XX/XX/XXXX, despite this payment already being paid in XXXX, my payment was auto drafted again. Therefore I am now out {$1400.00} for a second consecutive month. Furthermore, I do not know how to correct this going forward and the company is nearly impossible to work with.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy reporting on my credit report that does not belong to me and is causing me a hardship with obtaining credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Account # XXXX, XXXX XXXX XXXX account # 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 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

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need these to be removed from my file right away : 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
Product: Credit reporting or other personal consumer reports

" I'm asking for proof of the prior investigation, including details of your investigative process and all relevant communication records, like names, business addresses, and phone numbers. Additionally, I need documentation verifying the late status of this account. If you're unable to provide this within 15 days, please update the dates on the account to 'PAID/NEVER Late ' and send me a copy of my updated credit report. ''
Product: Debt collection

Credence Resource Managment sent me a collection letter. I have never heard of them nor do I owe them any debt. I am disputing their attempt to collect an alleged debt under the FDCPA. I also do n't want any further communication from them, written, phone nor any other means. When speaking with them they become deceptive and hostile in falgrant violation of the Fair Debt Collections Practices Act.
Product: Vehicle loan or lease

I was told to be able to skip a month with Go Financial, I needed to make six payments. I did that and then called and tried to skip a month, JUST ONE because I had XXXX and was out of work, and am the only one working in my home right now. They gave me the run around and gave me XXXX, refusing to allow me to skip a month
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. I'm looking forward to the quick removal of the following inaccurate items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hi MidlandMCM ; I never had any relationship with you nor the original creditor XXXXXXXX XXXX! But Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit card

On XX/XX/XXXX or XX/XX/XXXX of this year, an account was opened with Montgomery Ward fraudulently by my ex wife using identity theft. The account was opened using my full name, my Social Security number, and her mailing address. She ordered an item from the company to be delivered to her home, using my name as the ordering person. XXXX was never made on this item, and the account and line of credit was never evident to me until I received notification that my credit had taken an almost XXXX point hit because of a 60 day nonpayment notice. The item was delivered to her residence, accepted by her, but never paid for in an effort to harm my credit. A police report has been filed, but this issue is not resolved. 

The item charged was a drink dispenser for {$74.00}. I have notified XXXX XXXX and they have opened a fraudulent investigation. However, damage has been done to my credit rating.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : Cushman v. TransUnion Corp. ( 1997 ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers.

Ramirez v. TransUnion LLC ( 2021 ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : 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 ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX has violated my privacy and FCRA rights and law this account is paid XXXX XXXX through my payroll as payment This also violates 15 U.S.C Sec 1681i ( a ) 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : 15 U.S.C Sec 1681i ( a )
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies is not updated my credit file my car loan is not on all three of my credit reports
Product: Credit card or prepaid card

On XX/XX/2020, I ordered groceries from XXXX XXXX XXXX XXXX. The groceries were not delivered despite the driver saying they were. 

I called XXXX to inform them of the failure to provide me with the groceries I paid for using my Discover card. XXXX sent an email saying they would credit the account due to the fact that I have security ( a gate with a security guard as well as cameras ) at my home and could prove the driver never arrived with the groceries.

After waiting for several days for the credit to appear on my account, I  decided to call Discover. I filed a dispute and attached the email from XXXX showing the refund that they never gave me. 

It is now XXXX and Discover is refusing to return my money for the groceries I never received from XXXX despite being in possession of the email showing the refund that was never issued. 

I am asking that Discover send me a check or money order for {$220.00} on or before XX/XX/2020 for the groceries I paid for and never received.
Product: Checking or savings account

I had an business account with Bank of America they closed my account after I deposit check they told me they will mail me a check with balance then told me they think its fraud and returned my check back to irs I talk to irs they said check was legit and verified why would a check be returned to them if it was mobile deposited how will they be able to return a check that was mobile deposited and verified months went by and Bank of America told me I owe the amount of the check because they mailed it to me but I never received it then they saying they sent to irs which is confusing and Im out of lost of {$52000.00}
Product: Mortgage

I sent my payment to td bank on time like I always do for XXXX. Its automatic in my bank account. I got a call on XX/XX/XXXX saying they were attempting to collect a debt and I had not paid my mortgage. After speaking w the representative it became clear they had received my payment and bc of a change in escrow analysis I owed {$14.00} more on a {$4400.00} mortgage so they didnt apply my payment. I paid on the phone the {$14.00} and then they charged me a {$170.00} fee. I spoke at length w td about how this is an unfair practice and that its not indicated anywhere on the bill that this is the practice- to withhold payment if its not in full. And that the practice is extremely off market. They refused to credit the fee. It seems egregious to me so Im contacting you to find out if its a fair practice.
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit karma promised that if I paid items off it would boost my score XXXX point however it was only XXXX and they also said I was approved for cards several times and after applying I found out I was not approved