23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am filing this complaint to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that the XXXX and XXXX credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of : Company or Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Organization : XXXX BANK XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Organization : XXXX XXXX XXXXXXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Organization : XXXX XXXX XXXX  Account Number : XXXX Date fraud began : XX/XX/XXXX Organization : XXXX XXXX XXXXXXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Organization : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Total fraudulent amount : {$52000.00} These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. I have attached a copies of the FTC Identity Theft Criminal Complaint reports from Experian, XXXX and XXXX 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 or other personal consumer reports

I signed up with XXXX XXXX whom said the represented XXXX  for an alarm service. 
I was NEVER told at anytime this was be reported as a XXXX  on the credit bureau, or was told or disclosed such information at anytime by the representative of XXXX XXXX. I ONLY gave them permission to pull my credit, no other authorization for anything else was given. This had also just dropped my credit score XXXX points, for being reported as a new account. 

Today on XX/XX/2023 I received numerous alerts from numerous credit card companies as well as Transunion saying a new account was opened in my name. At no time was I ever told this or I would never have signed any agreement for this service. I believe all information should be disclosed upfront and honestly, which they did not do at anytime. 
I am asking for the CFPB to investigate this companies fraudulent practices for non disclosure, companies should be upfront and forthright in there dealings with a consume XXXX I did try to resolve this matter by phone directly with XXXX XXXX and got nowhere.They would not help in any way to resolve this matter. 

I also called XXXX directly and they advised me they had nothing to do with this report, it was XXXX XXXX that misled me, not XXXX... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Because of the breach to credit information, I tried to get a free credit report from all three major consumer reporting companies ( XXXX, XXXX, and TransUnion ), none would give me a report after filling out the pertinent information. I was prompted to have it mailed, this is not the time to wait to have credit reports mailed. This is clearly an emergency and needs to be addressed immediately. I can go ahead and freeze all accounts ; however, I will not have an opportunity to verify that everything is correct on my credit report. This is unacceptable.
Product: Checking or savings account

I am writing to file a complaint about multiple overdraft fees being applied to my account. These fees were assessed despite having sufficient funds available at the time these transactions were authorized. However due to delayed posting of charges and credits, I was unfairly charged overdraft fees. This issue appears to be consistent with findings by the CFPB which identified similar practices by Navy Federal Credit Union, where transctions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Debt collection

The debts incurred during a hospital stay have been granted financial assistance from the hospital however Credit Bureau of Bessemer, a local collection company in Alabama, refuses to close the account. I have called, email, and even disputed through the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to a representative from this company and they stated that they would remove this account from my credit reports if I paid the account off. It has been years and this company has not honored their word. I requested this account be taken off all 3 reports as I was promised by a representative of the company that it would be.
Product: Debt collection

Centric Asset Management has been calling my work phone and leaving messages that state XXXX legal actions are about to be filed against me. The last call was from their " Chief Investigator for Pre-trail Processing ''. They state that not calling them forfeits my rights and they are going to contact my company 's XXXX department. Also by not calling them it is documented as a " refusal '' on my end and that the cases will move forward in XXXX County ( Minnesota ). 

All of my debts were discharged in a Chapter XXXX bankruptcy in 2014 and I feel as if they purchased uncollectible debt and are using scare tactics to illegally extract payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

16 CFR PART 313- Privacy of consumer financial information 313.4 initial privacy notice to consumer required a You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section. ( 2 ) you have given the consumer a reasonable opportunity, before you disclose the information to the nonaffiliated third party, to opt out of the disclosure
Product: Debt collection

I have requested information /validation on this dedt bearing my signature and have not received anything stating that owe this company and money, they have repeatedly respond stating that they investigate and verify the validity of my dedt and do n't even allow me to dispute there claim I have never signed a contract, nor do I owe thme any money
Product: Checking or savings account

PNC bank does not allow account to be linked to crucial online services. PNC bank users are unable to use online services that require your bank account to be linked.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX continues to report in accurate information on my credit report and refuses to correct the problems and conduct a proper investigation. Please review the screen shots from my most current Experian report ( not a third party ) That shows my account status is Closed. I have also included the email thread from XXXX XXXX Who is a XXXX XXXX XXXX in the customer advocacy department XXXX Who refuses to fix the problem despite the screen shots that clearly show the account status closed. They are reporting the account in XXXX and XXXX as being late when they should be reporting current and they are reporting the accounts 90 days past due when the account was suppose to be in approved forbearance. This company and the XXXX XXXX XXXX have failed to do proper investigation and correct the my reports, despite my disputes. Even the president of the company was emailed about the problems and totally ignored my emails. Problems with this company have been reported to the state attorney generals office, CFPB and XXXX and no one will listen or fix the problem.
Product: Debt collection

XX/XX/year> my car tags was stolen. Due to my tags being stolen in XXXX XXXX. Im now being fined for different types of moving violations. Such as parking tickets, bus zone parking, and speeding. Harris & Harris also the Department of Motor Vehicle saying I have to pay amount of XXXX dollars in fines. I called to try to resolve the issues with both companies. They deny my request to remove all violations that Im not responsible for. They threatened to take my property ( car ). Also to suspend my license. This causing distress mentally, my transportation for work and taking my children to school. I will like these tickets immediately remove from my drivers record. Due to laws I demand that it gets deleted immediately for violation of my right to privacy FCRA 15 U.S. Code 1681b ( 2 ) and you didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy ; if this is not completed within 4 days I will file a CFPB, FTC XXXX BBB, and Attorney General compliant.
Product: Mortgage

I sent cashier 's check XX/XX/21 to pay off mortgage. I included my pay off quote from the company also. It was cashed XX/XX/21, misapplied as a payment and not as a payoff. I wrote the company advising them of the misapplied payment and telling them the CFPB says they have 20 days to properly apply the payment and return any escrow. They acknowledged my letter online XXXX in the matter of a form letter saying they have 30 days to make it right. Online the account is still showing with an outstanding principle, no letter in writing has been received and no escrow returned. Please help.
Product: Checking or savings account

I transferred XXXX dollars twice from my ally to my XXXX One in the form of a transfer and one in the form of a XXXX  through a parent so it would be faster. I did this because I accidentally sent XXXX dollars twice from my XXXX to my ally and it went into overdraft. Long story short. Both of the XXXX dollars get to where they need to be with two charges on each account and where the problem comes in is on the XXXX of XXXX I have an XXXX return deduction on my ally. So a third XXXX dollars is deducted only from my ally. I spent XXXX hours in total over the span of a week trying to figure out where the floating XXXX dollars is and I keep getting the run around that it failed and was returned but it never did. I was told twice that it would be in my XXXX and it was and then I was told it would be " absolutely 100 % '' in my ally in a day or two and I waited and it's still not there. the ACH Return is labeled as a deduction as XXXX instead of a credit for a failed transfer. Ally owes me XXXX dollars and before I get my lawyer I'm going through you. I've been sent on a XXXX XXXX XXXX for days between ally and XXXX  and I just want my XXXX dollars back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$810.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX, NV XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX
Product: Mortgage

On XX/XX/2020 I started the process of refinancing my VA loan through the IRRRL program. Multiple times the title company has cancelled the closing alleging that the lender doesnt and hasnt provided any documentation to them. Multiple times the closing has been cancelled. Because of the current interest rate lock of 2.25 % Im in theyre delaying the process multiple times and canceling closing multiple times as to avoid refinancing under the program which is backed by the Department of Veterans affairs.
Product: Money transfers

I have Initiated money transfer of {$2900.00} from XXXX to XXXX through Remitly ( Transfer No : XXXX XXXX XXXX XXXX ) on XXXX XXXX 2016. Remitly has promised that the money should be available in XXXX Bank account by XXXX XXXX, 2016 XXXX XXXX XXXX ( XXXX XXXX, 2016 XXXX XXXX IST ). The said time has passed. Remitly is saying delay due to some system issue. Now Remitly is saying that the money will be available by Tuesday XXXX XXXX which will be too late.
Product: Debt collection

Received letter from XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, dated XX/XX/XXXX and received XX/XX/XXXX ; stated I had a PayPal, Inc balance as of XX/XX/XXXX. 
This communication is from a debt collector. Total amount of debt owed : {$91.00}. This is the very first time of being made aware of this debt ; this is not my debt. Do not know what this charge is for???? 
Returning letter back XX/XX/XXXX, to dispute charge.
Product: Credit reporting or other personal consumer reports

My XXXX XXXXXXXX its showing on my credit part the account is paid off and closed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 , 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

Today, Thursday, XX/XX/2020, I called and spoke to XXXX, ID XXXX, who verbally stated, " We do not have an original contract, proof of your signature, or a recording or you by audio or video to send to you. All of our applications are done online. '' I asked if she can send me a screen shot of an online application. Again, she verified, " I can not. '' She then went on to say the debt has been sold to XXXX XXXX and I can reach them at XXXX. COMPANY REFUSES AND CAN NOT SEND ME DOCUMENTS REQUESTED : ORIGINAL CONTRACT, PROOF OF PHYSICAL SIGNATURE, RECORDING BY AUDIO OR PHONE OF ME ASKING FOR A LINE OF CREDIT. 

1. This account can not be verified or validated that it is mine. 
2. This account is not mine and was never opened by me. 
3. This account has been sold with no proof it belongs to me. 
4. Information on my reports in hereby not 100 % accurate and truthful so it can not be there. 
5. Account was charged off and no longer owned by Milestone 6. Multiple names used for company : XXXX, letter head XXXX XXXX   XXXX XXXX. 
7. Wrong information given in their letter, attached. Says to call XXXX and then get told to call XXXX. 

Many laws are broken here. FCRA AND FDCPA and I can sue them for damages of {$1000.00} per reporting.
Product: Checking or savings account

I would like to know how do I pay back bank of American my out standing amount
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

Borrowed {$6000.00} personal loan for major purchase. Company deducted XXXX in two weeks. For the purpose of paying loan off early to avoid 35+ interest, I made a payment of {$1000.00} towards my balance on Friday and received confirmation that the payment would be deducted from my account on the following Monday ( XXXX ) Saturday I attempted to pay an additional {$500.00} only to discover that the {$1000.00} was not listed but an amount of {$440.00}. I added the {$500.00} in addition {$550.00} to bring amount to {$1500.00}. I checked the account again on Sunday XXXX, XXXX and the amount was changed and I adjusted it again to say {$1500.00} is scheduled for payment on XXXX. To my horror on Monday, the company deducted 3 separate payments out of my account paying themselves {$130.00} in interests when my payment is due XXXX XXXX, XXXX via which I planned to pay as scheduled. The company deducted a total of 2 monthly payments of {$220.00} and then added the remainder of the funds {$1000.00} to my principle amount. To add further insult, they have me scheduled for the next payment next month on XXXX XXXX, XXXX. I spoke with representative who states that the system " generates '' payment activity. The agent actually tried to justify this scenario.and stated that this would occur when I submitted the next monetary large amount that it would be reflect the XXXX payment in the same way!
Product: Debt collection

XXXX XXXX JEFFERSON CP XXXX XXXX XXXX XXXX XXXX XXXX XXXX JEFFERSON CP  received notification to delete negative items off of Credit Report. Unfortunately, negative items still remain on my XXXX credit report violating : - Section XXXX ( XXXX ) ( B ) ( XXXX ) ( XXXX ) of Title XXXX of the United States Code ( 15 USC 1681i ( XXXX ) ( B ) ( XXXX ) ( XXXX ) ) relates to the reinvestigation process that consumer reporting agencies must undertake when a consumer disputes the accuracy of information on their credit report. This provision outlines the steps that agencies must take, including conducting a reasonable reinvestigation of the disputed information and correcting or deleting any inaccurate or incomplete information found during the investigation. I have disputed information on my credit report previously in XX/XX/year> and believe JEFFERSON CP has not complied with these requirements, I may have grounds for further action. 

-Section XXXX ( XXXX ) of XXXX XXXX of the United States XXXX ( 15 USC 1681i ( XXXX ) ) addresses the duties of furnishers of information to correct and update information with consumer reporting agencies. This provision requires furnishers to correct inaccurate or incomplete information they have provided to consumer reporting agencies upon notification of errors. Additionally, it mandates that furnishers must notify all consumer reporting agencies to which they have furnished the inaccurate or incomplete information of any corrections or updates. I believe that JEFFERSON CP has failed to comply with these obligations, as a result, I have grounds for disputing the negative items on my credit report and seeking correction or removal.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> Dispute Department Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Charge-Off Entry on My Credit Report Dear Experian Dispute Department : I am writing to formally dispute a charge-off entry that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. If the information can not be verified within a reasonable time frame, it must be removed. 

The charge-off in question does not accurately reflect my credit history or the status of the account. I am requesting that you investigate and, if necessary, remove this charge-off entry from my credit report unless proper verification is provided. 

Under 15 U.S.C. 1681i, credit reporting agencies are required to investigate any disputed information within XXXX  days and to provide written confirmation of the results of the investigation. If the information is found to be inaccurate or incomplete, it must be corrected or removed. The presence of this charge-off on my credit report is damaging to my creditworthiness and violates my rights under federal law. 

Please investigate this matter and remove the charge-off entry from my credit report if it can not be properly verified. I request a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX 15 U.S.C. 1681i Procedure in Case of Disputed Accuracy This section of the Fair Credit Reporting Act ( FCRA ) outlines the procedures for disputing inaccurate information on a credit report. It states : When a consumer disputes information on their credit report, the credit reporting agency must investigate the dispute within XXXX  days. 
The agency must promptly notify the consumer of the results of the investigation. 
If the information is found to be inaccurate or incomplete, it must be corrected or removed from the consumers report.
Product: Credit card

I have received XXXX times of American Express Premium Reward Gold Card Ads & Pre-select Invitations around middle 2016. All the Ads letters state : " GET XXXX MEMBERSHIP REWARDS POINTS after you spend {$1000.00} on eligible purchases with the card within the first 3 months of membership '' After three months of my membership I had made at least {$1000.00} eligible purchases using the card within that three months period. HOWEVER, I only received XXXX rewards points, which is only half of what I was supposed to receive. I contacted American Express Gold Membership a couple of times for a solution, they refused to issue me the rest XXXX as they promise in the credit card ads.
Product: Consumer Loan

I do n't exactly know how to reference this account. But I 'm having a problem with a credit reporting agency. XXXX XXXX XXXX XXXX, TX XXXX. I was inform that the company do not have to verify that the information that is reported on a consumer account to ensure that the information that is being reported is accurate. I forward a letter to XXXX that I received from the company regarding a dispute request removal, that the company sent to me. XXXX acknowledge that the letter was receive but did not removed the dispute. XXXX said that they opened a dispute regarding the company then sent a request to confirm the information. Once XXXX received the response from Midland the company this is in regards, said that I was disputing the information. I have the letter that I received from Midland acknowledging that I was not disputing the account and forward a copy to XXXX. But regardless of the letter that I recently received from Midland that clearly states the company acknowledge that I 'm not disputing the account. XXXX insist on reporting the information incorrectly. So, I have a complaint for both of the companies Midland Funding and XXXX Credit Reporting Agency