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

USA Bank granted be XXXX car loans account numbers XXXX, and XXXX in the last XXXX years they refuse to report either of these accounts to my business credit XXXX XXXX XXXX or my personal credit. I have asked for an investigation to be conducted no one ever calls back. Lately, when I call every one at this bank suddenly do not speak English and hang up on me. Please help. 

It is quite suspicious to me when I call to make payment everyone speaks English.
Product: Mortgage

They are constantly call on my home phone & cell phone XXXX times a day even onSunday. 
They are also send mail to my renter, and my home owner insurance companyThey are saying that I am XXXX payments behind.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/year>. Since then, the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged-off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly, and your neglect has violated my rights. I am demanding deletion of the following account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( CLOSED ) Account # XXXX
Product: Debt collection

I am writing to file a formal complaint regarding M & M CREDIT placement of a collection on my XXXX, XXXX, and XXXX credit reports without any prior contact. It was not until XX/XX/2023, that I became aware of this collection, as I had no prior knowledge or communication from M & M CREDIT. Upon reviewing my XXXX, XXXX, and XXXX credit reports on XX/XX/2023 ], I discovered the presence of a collection account placed by M & M CREDIT. 

This collection account came as a complete surprise to me, as I have not received any correspondence, notification, or communication from M & M CREDIT regarding this alleged debt. I have no knowledge of any business or financial transactions with M & M CREDIT. Placing a collection on my credit reports without any prior contact not only violates standard debt collection practices but also potentially harms my creditworthiness and financial well-being. It is crucial to address this issue promptly to ensure the accuracy and integrity of my credit reports. 

I kindly request the Consumer Financial Protection Bureau 's intervention and assistance in this matter. I urge you to investigate the actions of M & M CREDIT, ensuring compliance with the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. Specifically, I request that you : Verify the legitimacy and accuracy of the collection account placed by M & M CREDIT on my XXXX, XXXX, and XXXX credit reports. Determine whether M & M CREDIT has complied with the necessary requirements for debt collection, including providing proper notification and validation of the alleged debt. 

Take appropriate action to rectify any potential violations or inaccuracies related to this collection account. Ensure that M & M CREDIT ceases any further reporting or collection activities related to this alleged debt until the matter is fully investigated and resolved. 

I have enclosed copies of my XXXX and XXXX credit reports reflecting the reported collection account from M & M CREDIT. Additionally, any supporting documentation regarding my attempts to contact M & M CREDIT or request validation of the alleged debt is also included for your reference. I kindly request that you keep me informed of the progress of this complaint and provide updates on any actions taken or resolutions reached. I appreciate your immediate attention to this matter. Your efforts in protecting consumer rights and ensuring fair and ethical debt collection practices are greatly valued. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these account before i seek litigation for defamation of character ) XXXX XXXX XXXX balance {$590.00}
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 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 All this account s not mine it is opend by somebody who stole my identity and used to get cards and loans. 
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 I dont have contract with this Agencies they did not provide me with original contract as i requested.
Product: Checking or savings account

On XXXX XXXX XXXX 2017 I went to chase to open a chase liquid account whitout know that the banker that was helping me applied for a credit card for me without my consent i just received a letter stating that my credit card application was not approved and i was confused because i have never applied for a credit card that s not what i went for.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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

I consumer did not consent too nor authorize these inquiries that are reporting to my Equifax consumer report. I did not give my permissible consent to none of these corporations to obtain my consumer report from Equifax. I did not give them my written consent to obtain my consumer report per section 15 USC 1681n ( b ). Equifax sold my information to these corporations and got paid for the credit sale. Federal law states that any corporation whom obtains a consumer report from a consumer reporting agency knowingly without permissible purposes shall be liable to the consumer reporting agency for actual damages in {$1000.00} per section 15 USC 1681n ( c ). I sent Equifax an identity theft report via USPS certified mail. Is Equifax above the law? How are they able to share my consumer report without them contacting me for my consent to share my report with these corporations. Equifax humiliated me to the public and damaged my reputation. Equifax decreased my score because of those inquiries that have no connection to me. If Equifax can provide me a copy of credit application authorizing the disclosure of my files with my actual signature, I will accept the inquiries. If such application is removed I demand these inquiries be blocked and removed from my consumer report. I have gone to XXXX for my XXXX  because of the fraudulent activity that Equifax let concur on my consumer report.Equifax stole my identity and sold my private information without prior consent. My information was hacked in their data breach.
Product: Credit card or prepaid card

I was a authorized user on my partners account Goldman Sachs Apple Card, Opened in XX/XX/2021. In XX/XX/2021, I wanted to open my own account, so I closed the authorized user account and I opened my own account. The problem started when my partner and I became co owners for the Apple Card. After we accepted the new APR and combined credit limit, my card disappeared from my mobile device and it said my account was closed. And since then, theres no option to add my card in the wallet app. I cant activate my physical card. Ive been trying to fix this issues since XXXX. Ive called multiple times, Ive chatted multiple times. The last time I spoke with someone it was a manager I believe and they said they were going to look into it but that was about 2 months ago. So I basically have a Apple Card co owner account open that I cant use and have no access to. It shows up on my credit report as a joint account. Goldman Sachs has not fix since XXXX. Its been affecting my credit score.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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

on XX/XX/2020, I sent two certified letters one to Equifax, tracking number XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, tracking number XXXX XXXX XXXX XXXX XXXX. They were letters of request of verification on items on my credit report. As of today, XX/XX/2020 I haven't heard from either bureau.
Product: Checking or savings account

hi my name is XXXX XXXX XXXX ; i have a continuous problem with my bank account with chase, i been dealing with this issue for two long ... in XXXX i deposited a total amount of 20 thousand before the year ended the bank cleared my funds the overall occurrence was due to a settelmnt for a law suite in the state of XXXX XXXX ... XXXX from there i do reside in the state of XXXX XXXX as well the refferianceibility of my current account is different due to i receive direct deposit from the state of XXXX XXXX due to disability.. 
from their i do n't have my account number but i have my replacement debit card number .... I 'm not sure if that could be sent but ill use phone number format inorder for you to refferiance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from there the association of what is the fluctuation with unnessisary garnishments, which innitially would of been the discrepancy i have put in claims and went through the process but, mainly my issue is within the relevance of my mother who is upset with me at the moment threw all of my property out and i ca n't get access to my bank in formation due to the inability for me to use my benefit card for an id even with a picture on the card as well I 'm unable to receive information from the bank because as well with is a discrepancy they wo n't allow even my personal brach with that incorporated with a receipt for state or drivers license id my mother threw out both ... XXXX from there what is applicability to how i could attain my information pertaining to what is route of your ability to locate my claim as well continuous extractions over 40 thousand would be relating my disability applicable checking account with direct deposite ... ..i also contacted the deposit insurance assessment fund and soon ill contact the inspector general.. first account refferianceable opened in XXXX ( XXXX XXXX the XXXX ( XXXX XXXX XXXX XXXX XXXX.. swell ... XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX ) ... ..from what information they provided me .... 
humbly I 'm extremely destitute as well homeless at the moment I 'm dealing with the XXXX. still and iwould be attempting a way to get shelter but due to the harassment i stay on XXXX XXXX ... what iwould like is an expedited way to get my money returned to me as soon as possible unfortuinitly my phone was stolen so i ca n't give a number as well an email i ca n't give because XXXX as well as XXXX so ill search for this contact number and once a reference number is given i would applly that or if not contact and inquire please help me as soon as possible thank you ...
Product: Money transfer, virtual currency, or money service

Monies were removed out of my account without my authorization. Went into the branch and signed insurance check and was told upon endorsing the check the funds would be release in two installments. 

Still no resolution after 7 months. I am constantly getting the runarounds which is very frustrating and I have been overly patient.
Product: Debt collection

I keep getting phone calls on bills I do not know owe.. and not even in my name.
Product: Bank account or service

I started a SunTrust bank checking account online on XXXX/XXXX/2015. I was able to access the online portion and got my account and routing numbers so I could direct deposit my paycheck. When I checked back a few days later, I could n't access the online banking. I called SunTrust, and they said they could n't verify my identity, so I could n't get online banking until they sent me a verification card to my address, that I would sign and mail back. After a few weeks, I still had not received the verification card, so I called back, and SunTrust informed me that my account was closed for " rules violations '', although they would not tell me what rules I violated. They gave me no warning that my account was about to be closed, or anything I could do to keep it open. They said the account would be closed and I would be sent a check. A few weeks after that, I receive a statement for my account, which I thought was closed. I called again ( XXXX/XXXX/15 ), and SunTrust informed me that my account was still in review to be closed, and I would not receive the paycheck I had deposited until the review was done. They could not give a time frame for the review to be done. I opened this account with a promotion, in which if I deposited over {$2000.00} I would receive {$200.00}, and I believe that because I was very close to achieving the promotional balance, they closed my account. Now they are refusing to send me back my money.
Product: Mortgage

Unbeknownst to me my previous homeowners insurance carrier XXXX, canceled my homeowners policy on XX/XX/2022. In XXXX of XXXX I  was contacted through the mail by my mortgage company PNC Bank. They informed me that I no longer had homeowners insurance ( to which I was not aware ) and that I needed to purchase it. I reached out to avatar and I was told that they emailed me three times to let me know that my policy was being canceled. I asked them what email address they sent it to and they had left out a letter in my email address each time so I never received any notice. They did not bother calling me, nor did they bother mailing me anything. Homeowners insurance was purchased. I then receive a letter from PNC Bank telling me that I now owe homeowners insurance for XX/XX/2022 through XX/XX/2022. Unless I can provide proof of insurance or purchase my own policy for that timeframe, they are going to do it and charge me for it. I know that legally an insurance company can not write you a past policy so it wasnt possible for me to purchase a policy for that time frame. PNC Bank is charging me {$510.00} for an earned insurance premium since of course I can not provide proof of insurance because I did not have it. My new policy is {$1600.00} for an entire year and they are charging me XXXX of that for less than 15 % of the year. I received a check from avatar and I deposited it into my escrow account with PNC Bank so that they are not out any of the money that they spent for the previously canceled policy. I feel like I do not have any option but to pay this and is some type of extortion. They werent out any money because of this, no claims were made during that 2 month window and yet they are trying to capitalize on this. Is there anything that can be done about this?
Product: Checking or savings account

Cashapp is falsely accusing me of these silly investments that i violated my account $ XXXX however they wont tell me the reason, well if they cant provide a reason, then how am Im supposed to know what terms of service that I violated? And I also got a police report of someone who has access to my account as well. If that makes them feel like Im telling the truth.
Product: Vehicle loan or lease

I contacted Capital One XX/XX/2020 to extend my Auto loan payments for two months based on Covid-19. The company denied the request stating that this option is not available and offered a due date  change, however advised that interest in the amount of {$920.00} would need to be paid throughout the the life of the loan and/or added to the end of the loan to process the due date change. 

In light of the pandemic I was shocked to learn that the company is not assisting customers to prevent economic pitfalls or damage to ones credit, rather the only option available ( a due date change ) added additional interest to the loan causes additional hardships. 

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

I recently tried to apply for a new job and discovered that my credit profile has addresses and information that is not accurate. My Name should be listed as XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX OH XXXX. My SS XXXX DOB XXXX. Please delete any other variations of my name. Please delete remove the following addresses : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, IN XXXX I have several numbers on my file that do not be long please delete the following numbers : ( 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: Debt collection

I was contacted by XXXX and XXXX claimed to sue me for a debt. The debt was owned by XXXX XXXX XXXX which through various searches the XXXX companies are the same and XXXX uses XXXX XXXX as a front for debt collections. I set up a payment plan and XXXX canceled the plan and continued to ignore my messages and calls XXXX unanswered ( I have all documentation ). I contacted XXXX XXXX and they kept saying contact XXXX whom I did countless times and they ignored my calls. I emailed them multiple times and have filed several complaints with the state and they lie when they reply.
Product: Mortgage

I paid down my home equity line of credit to XXXX but kept the account open. Then i was charged a {$400.00} fee. I called the Bank of America customer support line 7 times and was unable to reach an associate 6 times. On the 7th try I reached XXXX in the XXXX call center, who is a HELOC specialist, and was told this was a lien against my account and that my account was closed. I said  that was not correct -- I never closed the account, only paid it down to zero. I was also told that I would continue to be charged interest on this balance until 2026 even though I no longer borrowed any money. I was told that even if my balance were XXXX I would continue to be charged interest because " that is the way variable rates work. '' I tried calling the branch ( at XXXX XXXX XXXX XXXX, XXXX, WA XXXX ) where I took out the home equity loan because that was not the way the HELOC was sold to me. I called 10 times and the phone rang with no one to pick it up. Finally I drove into the branch to talk to someone. When I ultimately spoke to someone, I was told they would take care of things for me. The bank manager and a staff member named XXXX said they would call the following Monday and then call me back. That never happened. I have tried calling several times since then and ca n't reach anyone to understand what was done. 
I placed a complaint with the CFPB because of the confusing and conflicting information I have been receiving from the various representatives of BofA noted above. When I checked the status of my first complaint, I saw a response with further erroneous information. As BofA will not contact me directly but will respond to CFPB complaints, I will continue to correspond through this channel. 
BofA has incorrectly charged me a {$74.00} release fee, and {$450.00} for an early closure that I never requested. Furthermore, while BofA is NOT responding to me, they warn they will continue to charge interest on the fees that are in question. I find this irresponsible and unethical -- I 'm literally paying BofA not to respond! I do hope the CFPB complaint system can help me here. I have been a customer of BofA for 20 years and they do not have the decency to contact me directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act, XXXX ( # XXXX ) has violated my rights. Under 15USC 1681 Section, 602 states i have the right to privacy.

15UAC 1681 Section 604A section 2 : It also stated that consumer reporting agency can not furnish an account without my written instructions Under 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose
Product: Debt collection

We hire a Public Adjusting Company to assist in the process of settling a homeowners claim with XXXX XXXX XXXX. 
XXXX XXXX paid out a settlement check in which the adjusting company XXXX XXXX XXXX XXXX ) are holding and will not release to us. 
Our Mortgage company ( XXXX XXXX XXXX ) is waiting to receive the settlement check to distribute the funds to ( XXXX XXXX XXXX ) for their services, the ( Contractors ) that will perform the home rebuild, and a percentage to us ( home owner ). 

That is the XXXX XXXX XXXX Adjusters will not release the check to our mortgage company which has cause extreme delays, financial loss, and Contractors discouragement. 

The Main issue at this time XXXX XXXX XXXX opened a claim for collection with a law firm. 
Which we believe is bad business practice, since we did accept the settlement offer from XXXX XXXX, so there was never a matter of not wanting to proceed. 

XXXX XXXX XXXX want to govern the distribution of funds to control the process in rebuilding our home to it's completion, ( payout to contractors material and labor ) makes surprise visits from several states away to charge us for travel. 

XXXX has even stated themselves that we Do Not need to go with their services from this point for forward. 
This was confirmed with our mortgage company XXXX as well. 

This is Bad and Unfair Business Practice.