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

In accordance with the legal principle " Notice to an agent is notice to a principal, and notice to a principal is notice to an agent, '' I am writing to you regarding the information reported on my credit report. 

I have received copies of my credit reports provided by XXXX, Experian, and XXXX, and I have noticed that transactions related to the XXXX XXXX XXXX account with the number XXXX have been incorrectly marked as late payments and this is negatively affecting my personal life and my ability to acquire and build credit. 

Legal Grounds for Dispute According to FCRA 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) : Exclusions. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include : ( i ) Reports that contain only information about transactions or experiences between the consumer and the person making the report.

This means that consumer transactions are excluded from consumer reports. FICO and/or any other risk score or algorithm used to calculate a consumers credit score is not part of what defines a " consumer report '' under the law. The legal definition of a consumer report is as follows : Consumer Report. The term " consumer report '' refers to any written, oral, or other communication of any information by a consumer reporting agency that relates to a consumers creditworthiness, credit standing, character, general reputation, or mode of living, and that is used or expected to be used in whole or in part as a factor to determine the consumer 's eligibility for : ( a ) credit or insurance for personal, family, or household purposes ; ( b ) employment purposes; or ( c ) any other purpose authorized under section 1681b of the title.

FICO or any other credit scoring algorithm is not defined or included in this legal definition of a consumer report. Therefore, the report of transactions between the consumer ( myself ) and the entity ( XXXX XXXX XXXX ) constitutes a violation of 15 U.S.C. 1681a.

Additionally, according to 15 U.S.C. 1666b, on the timing of payments : Timing of Payments Timing of Payments. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the information required by Section 1637 ( b ), is sent or delivered to the consumer at least 21 days before the payment due date.
Product: Debt collection

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These credit accounts and collections are the results of identity theft and fraud.
Product: Mortgage

Good evening, My 1st issue I have is I didnt purchase my house in XXXX. I purchased it in XX/XX/XXXX. Check court records. I took out a 2nd mortgage with XXXX XXXX  in the amount of $ XXXX which I have already satisfied the loan & paid back in full. My 2nd issue is my mortgage payment/escrow/insurance account. My account need to be looked at because all of the account numbers are incorrect. They take out of my monthly payment for taxes & issurance, but I pay my own insurance out of my pocket & they are aware that I pay it. I have sent them copies of the paid invoice & all I ever get in return from Newrez XXXX is letters stating they looking into my complaint & they need more time to review & look into the matter. This has been going on for over a year. My 3rd issue is reps.giving out incorrect information. I wanted to pay my account shortage to keep my mortgage payment from increasing.They told me I couldnt do that. Then they sent me a check for account overage & increased my mortgage. I call for my entire mortgage account to be looked at, reviewed & then correct all numbers that need to be corrected.Thanks in advance for your help with these issues. 

Sincerely, XXXX XXXX
Product: Mortgage

Trinity Financial Services explains this loan was transferred by XXXX XXXX XXXX, I did not receive any Notices from any company in XXXX. On XX/XX/XXXX there was an assignment recorded on my Property during Covid19 Pandemic. Prior to the dates specified, I have not been contacted from any lenders from XXXX - XXXX. If this debt started with a different Creditor, please provide copy of the original creditor, the account number used by that creditor and the amount owed to the creditor at the time it was transferred. When identified please provide any other names by which I might know them, if that is different from the official name.
Product: Payday loan, title loan, or personal loan

Thursday, XX/XX/XXXX Just this past week, Cash Express took money directly from my bank account without my knowledge for a payday loan that I had taken out back in XX/XX/XXXX. This loan was discharged in  my bankruptcy back in XX/XX/XXXX. I was also told that my {$500.00} loan that I took out was Now over {$900.00} since it occurs more interest every single day. I am going to my bank to do a stop payment.
Product: Credit card

Please reference complaint # XXXX. This is an ongoing problem with this company but I could not see a place on the previous complaint to edit. I once again made a payment of {$100.00} and I just received the phone call saying that it did not go through because of insufficient funds and they tacked {$30.00} fee on my account. I just went through this whole process with them showing them that their request for payment is not ever even reaching my bank. There has been nothing presented against my account from them. I don't know what payment information they are using or what they are doing but I paid my payments in good faith and I want this XXXX to stop! I want that bad charge taken off of my record and I want the {$30.00} take it off of my account balance. Once again I have attached copies of my bank statement to show that they have never presented anything against my account.
Product: Checking or savings account

I have made several attempts to get my account on a positive balance, however, the bank has a practice where the delayed the posting of my funds which is Hundreds of dollars on fees. Just today I requested the bank to opt me out of any draft fees, however this was requested months ago. Im you said and XXXX options through my employer which is XXXX, XXXX XXXX with the funds are immediately available, however the bank is taking 2 to 3 days to actually post the funds
Product: Debt collection

After reviewing my credit report, I have found inaccurate information listed as credit card debt in the amount of {$16000.00}. This letter is a formal request for you to remove the incorrect information in accordance with my rights under the Fair Credit Reporting Act. 

According to my records, I do not owe any debts to XXXX or Radius Global Solutions as of today, XX/XX/2020. I have contacted both companies per the addresses provided by their agents, and I have received verification from XXXX  confirming that no such account exists. Furthermore, I have contacted their agents at Radius Global Solutions ; though no debt has been identified, proven, or otherwise shown to have validity, they have continued to ignore federal law and negatively impact my credit report. I have enclosed copies of the letter sent to XXXX XXXX dated XX/XX/2020 XXXX, and their response confirming that no such account exists XXXX dated XX/XX/2020 XXXX, as well as the letter and signed delivery receipt sent to Radius Global Solutions, dated XX/XX/2020, and XX/XX/2020, respectively thirty days ago. In fact, though I was not required to do so, I re-sent the verification request, which was again signed for by a Radius agent on XX/XX/2020, and I am attaching that receipt, as well. Nothing has been provided by Radius in accordance with the Fair Debt Collection Practices Act, and this debt is unverified and invalid. 

I am requesting that you remove the debt from my credit report immediately pursuant to applicable federal laws. It is important that my credit report be corrected as soon as possible. 

Thank you for your quick attention to this matter. I can be reached at XXXX or at XXXX XXXX XXXX XXXX if you require any further information. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Charged {$35.00} XXXX  fee from account that was used with low funds being that a deposit was made to another account connected. Emailed branch manager in XX/XX/2022 multiple times, as she's given a 1 time courtesy adjustment before, but since they closed down our nearest branch she never responded. Already in class action with SunTrust over XXXXs from previous years we are somehow included in. 

Scam happened and I contacted bank to stop the XXXX transfer before it was processed. I was told I could completely change our account number and shut that acct. down or they would send a letter for me to sign for a dispute of that transaction. That letter never came. I tried to do a stop check on that reference number but it could never be completed. See in the bank a {$35.00} stop check fee was charged. 

I just called and was told the stop check attempt was made after the scam transaction was already processed. I said the stop check didn't go through, which I should have some pictures of if it was allowed, and I was told I was charged. Asking multiple times " how & why '' was I charged if the transaction could not be stopped, was not a check, the transaction already posted so was ineligible, charged for nothing and how I wanted that refunded I was told that was not an option. After discussions of more of the initial scam and call I was then allowed a {$35.00} courtesy reversal on the stop check. 

So the charge that should never have been charged to me by the bank that I was told was impossible to refund now was refunded as a courtesy for them to give back money that should never have been taken. I was asked if anything was needed and I said yes the courtesy can be applied to the {$35.00} XXXX  charge, that I contacted them multiple times the beginning of the year with no response, and they could reverse this charge as it should be illegal if it truly isn't. 

Then I was told that the {$140.00} scam dispute, which they were supposed to send the letter for me to sign, was denied before I was sent any letter or attempted to stop that transaction. I asked that the previous information be collected and sent up and for someone to contact me but git that it was noted at best. Then I was supposedly sent to the fraud team, I had already spoke too when the FTC complaint filed scam was still pending, but I was just sent to their fraud number. I did not hear the questions for the number prompts, as my wife and I were discussing how amazingly difficult our bank was being in a simple issue and was it because they merged with our old bank that we left before laws were changed, and the phone hung up. 

In attempts to keep my XXXX XXXX and XXXX  down I landed here. Reminds me of the ex-Bank Manager I worked explaining the percentage of profits for the bank were made off fees and XXXX charges from people that don't have funds ... Shameful and why many may ask why they're not rich I realize that I am not rich because I can't work in a way that relies one not to have a conscience.
Product: Credit card or prepaid card

Although the Federal government raised interest rates recently ; CitiBank has, this month, raised my interest rate 1.5 % to 31.74 %. I originally received the card from DSNB who sold to CitiBank. My interest rate has nearly gone up a point every month since last XX/XX/XXXX. I have never missed a payment on the account since I received the account in XXXX ; I always pay the minimum plus several hundred dollars more. There is no rhyme or reason for the continued increase especially since there have been no interest rate increase in the last XXXX months. 

In the past when i have complained to Treasury Department ( before your agency was incepted ) ; CitiBank has retaliated against me by putting negative, erroneous information about me in the credit bureau. However, Treasury sent them several letters in both XXXX and XXXX that an investigation had been launched ; I never received an outcome but the information was laboredly corrected. 

No matter what I do to pay off these people they continue to hamper my being rid of them by raising interest rates for no apparent reason ( my credit score is XXXX ). To keep me paying them off ; they keep raising my interest rate. I pay the minimum plus {$200.00} every month how can my balance keep increasing when I am not using the card or patronizing Macys at all. 

When I called today and spoke to someone named XXXX, i was told that everyones interest rate increase by at lease 1.5 % and they do not negotiate a lower rate for anyone. 

How can they get away with this to try to keep Macys alive when people simply are not interested in continuing to get into this kind of overbearing debt?!! 

Thank you.
Product: Credit reporting or other personal consumer reports

I recently looked at my consumer profile and noticed that there are several unauthorized inquiries that I didn't authorize nor do I recognize. Here are the unauthorized inquiries : XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Product: Credit reporting or other personal consumer reports

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per XXXX. 

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required XXXX notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within XXXX business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust.

Listed below are the Personal Information that are being challenged Incorrect DOB : XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Debt collection

I am filing this grievance as I monitor my credit and was alerted to a collection reporting from I.C System , Inc. Account number XXXX, that has dropped my scores significantly. Ive received no phone calls or communication via USPS mail to confirm this debt is mine or valid. Due to this I did not obtain the full statuatory period that would have allowed me to dispute the validity of the debt prior to it updating with the credit bureaus. If I had, the collector would have been advised that this debt is time barred and needs to be removed post haste due to misleading and erroneous collection practices.
Product: Debt collection

Americollect XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX To : The Office of Registered Agent for Americollect From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that gives you rights to collect in my state. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX XXXX require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only. 

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have.

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for Monetary damages. 

Consumer disputes this debt and ALL claims in accordance of 16 CFR 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 

By : XXXX XXXX XXXX XXXX, XXXX XXXX, submitting this complaint without any assistance from any third party.
Product: Credit card or prepaid card

BANK OF AMERICA REFUSES TO PAY ME FOR A FRAUDULENT CASE THAT WAs found to be closed in my favor.
Product: Credit reporting or other personal consumer reports

XXXX I lending contacted me for auto refinancing. The lady said she would do a soft credit pull and would take 24 hours to authorizing the auto refinance. since then I have received 4 hard inquirers on my report
Product: Credit reporting or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Payday loan, title loan, personal loan, or advance loan

Please help!! I need an auto loan or a hardship loan or something similar to cover a title loan.

I have made several attempts to contact the Title Max Legal offices to get an explanation and maybe hardship help after an unclear and rushed suggestion to get more money with my title loan. 
I did not realize what I was signing up for and the paperwork was so rushed I didnt take the time to read or fully understand. The loan office that worked with me led me to believe it was just more money loaned from what I was initially approved and not a whole new, contract of no payments but I would have to pay the entire loan off in ONE payment. Now I can only pay in full or lose my car/have it repoed. 
I can NOT lose my car, then I'll lose my job and then my family ( not in that order if I'm being honest my partner might leave me and take our son as soon as my car is repoed ). That is just not possible or acceptable and I feel as if I was taken advantage of and this will cause my car to be repossessed, I CAN make payments but can not pay in full. 
As I said, I can afford payments. Up to $ XXXX per month but that's it. NOT a lump sum of $ XXXX. 
Title Max will not help me in any way so I'm desperately reaching out to you for help. I'm a good person who loves her family and I have an amazing job. I just made some very bad financial decisions ( living outside of my means ) but I am definitely on the road to financial recovery. 
I can provide pay stubs, and bank statements for the past two or three months, and set up a new account so my direct deposit will go to payments for a loan. 
Please help!!!! 
XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was scammed via XXXX and bank through Chase. 

Through Offer Up, a potential buyer wanted to send me money for a mattress I was selling plus the fee for the movers. I said sure, whatever, Ive dealt with weird stuff on Offer Up before. I was sent a ( fraudulent ) cashiers check of {$1200.00} from this individual and sent two XXXX payments of {$500.00} and {$570.00} to who I thought was movers and kept the money meant for the mattress which was {$130.00}. Once I learned this was sketchy, I told the guy Im out and refunded the money for the mattress. 

The check he used was refunded because it was bad, and now Im out {$1200.00} of my personal money because XXXX offers NO fraud protection and Chase cant do anything to help me. Im not in the position where I can just lose {$1200.00} and Im completely screwed. I tried calling Chase and basically begging for help, but all they could do was label the XXXX recipient as spam and told me I was pretty much XXXX.
Product: Payday loan

The lender, or the lender 's collection, keeps calling my sister 's phone number, despite my request for them to stop. My sister has noting at all to do with the loan. She was never listed on any of the documents or anything else to do with the loan.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. REMOVE THIS ACCOUNT IMMEDIATLY
Product: Checking or savings account

I've reached out to PNC 3 times via social media, online portal and call to get my acct to only have paperless statements but they still haven't changed this, thereby charging fees every month for paper statements.