23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently requested validation of a debt collection listed on my credit report under the company XXXX XXXX XXXX XXXX XXXX. The company sent corresponds as to what they believe is proper validation of the account, however by doing this it was found that XXXX XXXX XXXX XXXX XXXX failed to include their NC license permit number ( XXXX ) on the stationery/correspondent form ( copy attached ) and is therefore in violation of North Carolina Department of Insurance General Statures ; 58 70 50. All collection agencies to identify themselves in correspondence.

All collection agencies licensed under this Part to do the business of a collection agency in this State, shall in all correspondence with debtors use stationery or forms which contain the permit number and the true name and address of such collection agency.

The permit to engage in the business of a collection agency shall at all times be prominently displayed in each office of the person, firm, corporation or association to whom or to which the permit is issued. ( 1931, c. 217, s. 9 ; 1969, c. 906, s. 5 ; 1979, c. 835. ) XXXX XXXX XXXX XXXX XXXX is in direct violation of federal & state laws, and therefore is illegally attempting to collect a debt in a state that they are violating the NC Department of Insurance State Laws & failing to abide by the Fair Credit Reporting Act.

Attached is the entire Article 70. Collection Agencies where the exact section mentioned above can be found, directly from the NC Department of Insurance website.

The account in debt collection assigned to this company must be deleted as the company collecting on the debt ( XXXX XXXX XXXX, XXXX ) violated not only federal laws, but also state laws mandated by the North Carolina Department of Insurance.
Product: Bank account or service

I was going through my bank statements and realized that a charge of XXXX had been taken out of my account by a company called XXXX. I also noticed that a pre-authorized check in the amount of XXXX ( that was not signed ) had been made out to XXXX. After extensive investigating I realized that this had been going on for quite some time. There were XXXX charges from XXXX ( total of XXXX over 35-40 months ) and XXXX checks made out to XXXX ( total of XXXX over the course of 31-35 months ). Now, I called XXXX. At first there was no answer. I called a second time and a female answered. There was a sound of wind, so I think the number was transferred to a mobile phone. She said that I had a " wrong number. '' After that, I decided to call my bank ( Chase Bank ). I spoke with a young woman. She said, " we are only allowed to refund the last XXXX charges. Additionally, if you want us to create a stop payment, the charge is {$32.00}. '' I was pretty heated. I said, " I have had my card frozen for fraudulent behavior. And actually there was no fraudulent behavior. Now I need this help from you and you say that it 's all my fault? '' I asked to speak with her supervisor. He told me that they could not help me. I requested a call back from his supervisor. Now in the meantime, I tried to figure out where this charge came from. I researched online and found several complaints regarding both XXXX and XXXX. I did not sign up for these " services. '' Chase should know that these are fake services who scam customers on a regular basis. After about a week, the manager called. He said, " I 'm sorry after further investigation we have decided to not give you any refund. You signed up for these services. '' I said, " do you have any proof. '' He said, " we have decided that you signed up for these services. If you want a stop payment, we charge {$32.00} for both check and electronic. As a one time courtesy, we will wave the stop check fee. '' I said, " Sir I never signed those checks. What are you talking about? '' He said, " I do see that you never signed the checks so we will stop those payments. '' I said, " what about refunding the checks? '' He said, " after investigating, we have decided that you signed up for these services. '' Well at that point I felt hopeless. I spent months trying to figure out what to do. I called XXXX regularly and finally got someone who said that they would no longer charge me. I said, " How did you get my information? '' They said, " Our records show that you requested our Identity protection. '' I said, " Do you have anything in writing? Signed by me? '' He gave me the run-around. I was complaining to my boss and he told me to post my story on Consumer Financial Protection Bureau. I really hope this helps. Chase was NO HELP whatsoever. I am so upset over the dismissal I received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im reaching out to you all about some accounts that are still on my credit. I went to the bank to cosign for my mom a car and was not approved. I went and looked at the credit and see this accounts on here that are not mine. I was advised to reach back out to you all. Please take them off my credit so I can help my family XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NC XXXX, XXXX XXXX, Rise. I also saw a few inquires and I saw that yall have 2 address on my credit where I never lived and where is work in wrong. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My only address should be XXXX XXXX XXXX XXXX and i work for NJ XXXX XXXX. I'm doing this on my own behalf and I have attached the report I filed with the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mid Atlantic Finance company has not reported my two paid off auto loans to XXXX  credit bureau They have reported them to XXXX and XXXX  but not XXXX. 

It has been one year of me emailing Mid Atlantic management employees XXXX XXXX ( XXXX ) I have been told over and over the next month the two paid off auto loan account numbers XXXX and XXXX will report to my XXXX  but they still have not. 

It is unfair that I paid off 2 cars 100 % on time payments but am not getting credit for it by XXXX.
Product: Money transfer, virtual currency, or money service

I would like all the money I reported to be refunded.
Product: Checking or savings account

On XX/XX/XXXX I logged into my Citi XXXX account to make sure that a direct deposit from my paycheck was received, please note I have had this direct deposit set up to reoccur from each paycheck since XX/XX/XXXX ( {$100.00} twice monthly ) without previous issue. I contacted Citi through their chat support function and was told a recent transaction ( the reoccuring direct deposit ) was flagged for fraud and I would need to contact the Fraud Servicing Unit at XXXX. On XX/XX/XXXX I called the number provided and gave my information to an associate, explained the situation, he told me he couldn't do anything and would need to transfer me. I was put on hold for more than an hour, gave my information to the new associate who then proceeded to tell me that my account was blocked and flagged for closure and I would receive a check with my funds within 60 days. When I politely asked why the account was closed, she told me she didn't have any additional information and promptly ended the conversation and disconnected the line. Confused, I proceeded to call the customer service number, XXXX, got through very quickly and was again told my account had been blocked, I would receive a letter once it had been closed, and would receive a check within 60 days of receiving the closure letter. I am relieved that this is not my only bank/source of money since I will not be receiving the funds for at least 60 days if at all. For most people who are living paycheck to paycheck, this would be a complete nightmare. Lesson learned, do not bank with Citi.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to CREDENCE RESOURCE MANAGEMENT, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX AND XXXX XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. CREDENCE RESOURCE MANAGEMENT, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX AND XXXX  continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.
Product: Mortgage

My client is trying to get a lower payment for her HELOC with Bank of America. The payment has jumped from {$360.00} to over {$1000.00} per month as its in repayment. Since she is a senior citizen she asked me to help. Bank of America asked for an authorization to allow me to speak for her. She walked into a Bank America branch and had a personal banker send in. When I called on Tuesday ( XX/XX/XXXX ) I was told that the authorization needed to have an expiration date. We amended the authorization and my client went back to the branch to submit on XX/XX/XXXX. I called this morning ( XX/XX/XXXX) and the first person I spoke to said they don't have an authorization ( which is nonsense ) so I asked to be transferred to someone else. XXXX in Texas was his name and he said they needed a legal POA to continue and I told him no I didn't as I had already spoke to Bank of America earlier this week and all I was asked for was an expiration date to be added to original authorization, He transferred and after waiting on hold was disconnected.
Product: Debt collection

Navient calls my cell phone every week day at least 3 times, sometimes 4 times in a row. They have contacted family members and began calling my place off work, every day, multiple times a day. Calls start before XXXX and continued after I explicitly told them to stop calling me and my work. Last week, the front office informed me that a recoding called at XXXX giving my name and stating that they were attempting to collect my student loan debt and that I would be put in deferment if I did not respond within 48 hours. I once again contacted then to stop calling me. I 'm a XXXX and I love what I do, but it barely pays my living expenses. It took me over five years to get a XXXX job after college and now I have debt collectors harassing and humiliating me at the XXXX XXXX XXXX at. I 'm contracted year to year and can only imagine how this will effect my chances of being offered a new contract. Causing me to be unemployed is n't going to help any part of this, on my end or theirs. If I had the money to pay back my loans, I would, but I do n't, I just want them to stop harassing and humiliating me!
Product: Credit card or prepaid card

My brother in law helped me opened up a Goldman Sacks credit card in my iphone in XXXX, I didn't use it much as I am XXXX XXXX XXXX and not good at using the fancy stuff. from XXXX I used it more, as it just showed up automatically on my phone. Initially I thought it is part of apple app and can deduct the amount from my app account. I didn't get bills as it is all in the apps and I didn't know where to find the bills. Then I got calls from GS when they became over due, I always paid off the whole balance. After a few times I realized I should set up autopay so I did and thought that I don't need to worry about it. Then a few weeks I was doing loan and I was told that I had {$700.00} over due, so I called XXXX and asked why I had a overdue balance when i have autopay which is supposed to payoff the whole balance. I was told that the autopay could only pay the current month balance and not prior balance, but nobody told me that when I set up auto pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, XXXX  are not following the rules of the FCRA by providing me with verification of this debt, nor did XXXX, Experian or XXXX  correct the information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have no knowledge of this account, XXXX XXXX XXXXXXXX XXXX # XXXX, but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation!

According to 15 US Code 681s-2, 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

there are alot of false items on my report that need to be looked at, see letter enclosed for a detailed explanation
Product: Vehicle loan or lease

The vehicle I was financing through GM Financial was repossessed by the loan company in XXXX, XXXX. A payment was en route to their office via USPS at the time. The repossession happened at my apartment building, which is private property. The next document I received from GM Financial was to inform me that the vehicle had  been resold and that I owed the remaining balance. I did not receive any chance beforehand to make arrangements to get my vehicle back. I also did not receive the notice of resale, which would have informed me of when and where the resale was to take place ( either public or private auction ). Prior to the repossession, GM Financial frequently called me at my place of work after I instructed them not to. They also made harrassing phonecalls several times a day if a payment was past due by only a few days.
Product: Credit card or prepaid card

On XX/XX/2021 I tried to use the citi credit card to purchase online, it didnt go through. I got a test message asking me to contact the fraud department so I did. They told me my account is high risk, asked me to provide different information including my phone number, my other credit card numbers, even though I have already provided answers for the security questions. 
Citi has very poor service, the way they verify a legitimate customer is not tolerable. I spent more than a hour but the issue still doesnt get resolved.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls undeXXXX XXXX  according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breachOF EQUIFAX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. I am also attaching proof that I was a victim of the Equifax data breach, and I kindly request that this information be considered as part of my claim. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX Account # XXXX Amount : {$0.00} XXXX Account # XXXX Amount : {$2900.00} XXXX XXXX Account # XXXX Amount : {$0.00} XXXX XXXX Account # XXXX Amount : {$5300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the parent/co-signer on my son 's student loan that is serviced by XXXX XXXX/XXXXXXXX  XXXX XXXX. I send in monthly payments by automatic debit from my business account with XXXX XXXX. I sent check # XXXX for the sum of {$220.00} on XX/XX/XXXX ; and check # XXXX for the sum of {$220.00} on XX/XX/XXXX. XXXX XXXX XXXX lost both checks. I contacted them via email on XX/XX/XXXX and forwarded copies of my bank statements showing the cashed checks. XXXX XXXX XXXX  reported delinquency notices on my credit report causing my score to lower approximately 70 points. On XX/XX/XXXX, I spoke with Supervisor, XXXX ( Employee XXXX ). I informed him that XXXX sent me the cancelled checks cashed by XXXX and asked to settle the account. XXXX informed me that XXXX XXXX has no process to settle accounts. I want to be able to settle the account due to the unfair damage XXXX XXXX XXXX caused me on my credit report.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX  Reference number - XXXX Record type Bankruptcy XXXX  XXXXdischarged XXXX XXXX XXXXXXXX XXXX XXXX XXXX FCRA 611 ( 15 U.S.C. 1681 ) 28 U.S. Code 1452 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 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 INQURIES XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b INQURIES - 15 USC 1681i 15 USC 1681b - CHARGE OFFS 15 USC 1681IS-2 COLLECTIONS 15 USC 1692g LATE PAYMENT 15 USC 1681 BA2 LATE PAYMENT 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681. 
XXXX  BANKRUPTCY CODES FCRA 611 ( 15 U.S.C. 1681 ) 28 U.S. Code 1452
Product: Vehicle loan or lease

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under the open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of a Furniture/leasing loan that was opened XX/XX/year> under the account number # XXXX ). This account as result in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. The aforementioned accounts, collections and hard inquiries in question and maintained by you were not opened, made, or initiated by me. All the aforementioned accounts, collections and hard inquiries are the result in identity theft and fraud. I attached a copy of FTC Identity Theft Criminal Complaint as proof from the Us 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

I pulled my TransUnion credit reports and found XXXX  had pulled my credit without authorization on XX/XX/2018. I was only looking they were only authorized to conduct a soft pull. I sent them a letter to remove the unauthorized inquiries and they responded that the inquiry was a soft pull not a hard pull. However TransUnion shows the inquiry as a hard pull so I ma filing a dispute against XXXX  and TransUnion to get the inquiry removed immediately.