23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The compan y is M & T Ban k. They are not any other similarly named banks but they do have addresses i n four differ ent states and/or cities. I have what I believe they designated as a commercial loan notwithstanding the loan is in my individual name. I sold my property on  XXXX   XXXX  and am scheduled to close  XXXX   XXXX . All closings take betwee n 30 and 45 days to close. I got the payoff letter today from the attorney closing the transaction. M & T Bank is refusing to release my tax escrow saying that they will " handle that separately '' af ter the closing. They also charged me  XXXX  for not asking for the payoff letter 60 days ago. Neither of these practices comply with standard banking procedures. Since I have to give the tax escrow to the buyers at the closing and it is almost  XXXX  I will be out approximately  XXXX  all together and will be at the mercy of this " bank '' if and when I get my tax escrow back. I anticipate further bogus fees in that regard.
Product: Money transfer, virtual currency, or money service

There were two international wire transfers sent to Ally Bank from XXXX XXXX in XXXX. The transfers were sent with an intermediary bank, XXXX XXXX XXXX on XX/XX/XXXX. The first transfer is for the amount of {$8700.00} and the second transfer is for the amount of {$7600.00}. These transfers are income tax returns for mine and my wife 's two years of employment in XXXX. XXXXXXXX XXXX confirmed that it was received by XXXX XXXX XXXX. However, Ally Bank had not received the transfers and the money was never deposited into our accounts. Ally Bank has stated that they have no record of any transfer with those amounts. The sender, XXXX XXXX XXXX XXXX, sent these funds and has sent a wire trace which confirmed that XXXX XXXX XXXX has received and sent the money and I requested an inquiry on XX/XX/XXXX to Ally Bank after which they reported on XX/XX/XXXX that they did not receive any money transfer.
Product: Debt collection

I got a call from XXXX on XX/XX/XXXX, Employee ID XXXX contact XXXX or XXXX. Case number XXXX. That if I did n't pay the full amt of {$1400.00} or {$340.00} that there would be fraud charges filed. I told him that I called XXXX the day the check was due and spoke with the location manager, and told her that I would be in on XXXX to pay the check because I was still at work. She told me she was going to deposit the check no matter if the money was there or not.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint against XXXXXXXX XXXX. On XXXX I requested a debt validation letter in accordance with the Fair Debt Collection Practices Act ( FDCPA ). To date, they have neglected to respond to my request, violating my rights under the law. 

I respectfully request your assistance in ensuring that XXXX XXXX provides the requested documentation or ceases their collection efforts. 

Thank you for your attention to this matter.
Product: Mortgage

loan # XXXX this mortgage company is not applying my payments since XX/XX/2019 the moment they receive my payments. PHH mortgage is saying agent XXXX ID # XXXX they have my payments on hold and they haven't applied my payments. I tell them why they haven't applied and they transfer me with someone else and hangup on me. I'm submitting document proof of my payments from my bank that PHH have received my payments and dates from my bank account chase
Product: Debt collection

In XX/XX/XXXX My XXXX accounts were transferred to Transworld Systems Inc. Th credit limit of the XXXX card was {$6000.00}. There was about {$5000.00} charged to the card. The XXXX card had a credit limit of {$8500.00} and there was an outstanding balance of about {$7200.00}. ( I do not have exact amounts ) My taxes have been offset through the XXXX program each of the following years : XX/XX/XXXX {$8500.00} XX/XX/XXXX {$2300.00} XX/XX/XXXX {$1800.00} A few weeks in a notice dated XX/XX/XXXX I received a notice that I have an outstanding balance of {$24000.00} Yesterday XX/XX/XXXX I called and requested an itemized list of fees and charges and was told they do not provide such information. 

The combined maximum credit for the XXXX accounts was {$14.00}, XXXX. Payments through tax offsets have already totaled {$12000.00} I am not sure what my rights are, but these fees and penalties seem unbelievably high. I want to address this so I can resolve it once and for all but I have no idea what I am being charged for. These collection practices are horrible. Any assistance you can offer will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft.

Identity Theft Statement : Identity theft means a fraud committed or attempted using the identifying information of another person without authority. Anything added to your report without your written consent could be considered Identity theft 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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. second time putting them on notice. ignorance of the Law is not an excuse. I have included a copy of the FTC report, as follow ; I am a victim of identy theft and inaccurate information. After reviewing my housing record credit reported by TransUnion, I noticed fraudulent accounts being reported, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This is an issue of material fact and there is no doubt the evidence is insufficient and is genuine of the material fact, and must be resolved against TransUnion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). Please remove these items. Congress enacted the CFRA to protect consumers insuring fair and accurate credit reporting 15 USC 1681s-2 ( a ) ( 1 ). Entities that report information about consumers to the CFRAs are called data furnishers and are not furnished information realted to consumer if the person knows and has responsable cause to believe the information is inaccurate XXXX XXXX XXXX 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: Checking or savings account

I opened up a savings and checking account at TD Bank. It was required that I maintain a certain balance. I maintained that balance and was not given the appropriate amount of interest the following month. I walked into the bank and spoke with the bank manager XXXX XXXX. He checked my account and indicated I was not the only one who did not receive interest for the month. He assured me two weeks ago I would get the interest on Tuesday. It never was credited.

I followed up with an email and all he said was that it is taking longer than they expected. 
Meanwhile, no interest. This is fraud. This bank has not honored their agreement with me.
Product: Credit reporting 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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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

I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX. I noticed that, unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround, stating that they cant petition for them to be removed. I asked them multiple times to remove their inquiry from my credit profile. By law per the FCRA, you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.
Product: Consumer Loan

This Company uses many different names XXXX and XXXX quicken loans, Quicken loans has obtained or attempted to view all XXXX credit bureaus on more than 6 times unauthorized.
Product: Debt collection

AN ACCOUNT FROM COMENITY BANK EXPRESS WAS OPENED ON XX/XX/2017 IN THE AMOUNT OF {$300.00} DOLLARS. I HAVE TRIED TO WORK DIRECTLY WITH THIS COMPANY SEVERAL TIMES ASKING FOR ORIGINAL SIGNATURE ETC. THEY HAVE NOT RESPONDED AND CONTINUE TO KEEP THIS FRAUDULENT ACCOUNT ON MY XXXX  CREDIT REPORT.
Product: Debt collection

1. This complaint is in response to the false information you submitted to the CFPB on XX/XX/2018. In your response, you stated that you mailed an initial collection notice to me on XX/XX/2018. Apart from your harassing telephone calls, the only letter I received from FMS in XX/XX/2018 was dated XX/XX/2018 which I received on XX/XX/2018. Upon receiving said letter, I immediately responded with my XX/XX/2018 in which I clearly requested debt validation. FMS received my XX/XX/2018 letter on XX/XX/2018 at XXXX am. Despite this, FMS called me several times in violation of the FDCPA. Since my XX/XX/2018 letter requesting full debt validation, FMS did not contact me before XX/XX/2018 when XXXX delivered an envelope containing a SINGLE SHEET OF PAPER ( copy attached ) with my name printed thereon. This meant absolutely nothing to me. Presumably, FMS classified this as debt validation. I would like to make it absolutely clear that I AM STILL AWAITING FULL DEBT VALIDATION from FMS coupled with the legal basis it has to collect a debt from me. 

2. FMS clearly has been relentless in its attempt to collect an alleged debt that it not validated, can not validate or is refusing to validate. I do NOT owe any money to FMS whatsoever, nor do I owe any money to the University which FMS is purportedly collecting the debt on behalf. 

3. FMS contacted me by telephone and refused to identify themselves but had the audacity to request my personal information. I am a victim of identity theft and my personal information has been compromised as confirmed by the US Office Personnel Management. It amazes me that FMS alleges that it could NOT disclose account information to me, but yet, went ahead and reported a derogatory account on my credit reports without verifying my identity and/or validating the alleged debt. 

4. Contrary to paragraph 3 of FMS uploaded XX/XX/2018 letter, I have not received any XX/XX/2018 and/or XX/XX/2018 letters in the mail. 

5. Furthermore, the meaningless sheet of paper submitted is NOT DEBT VALIDATION. Attached herewith is a final letter requesting FULL DEBT VALIDATION, but not limited to, before this matter gets litigated. I trust that this issue can be resolved without the need for litigation. 

6. You are required to delete this erroneous and invalidated account information from my credit report. I reserve the right to sue for each violation for an amount equal to or up to the statutory cap of {$1000.00} per violation, excluding defamation and damages. 

7. I EAGERLY AWAIT DEBT VALIDATING WITHIN THE STIPULATED DEADLINE OF MY XX/XX/2018 LETTER.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery A : Reporting that I opened an account with them on XX/XX/XXXX but the last active was XX/XX/XXXX. I neither opened account or have an account open with them this account was closed placed in bankruptcy and discharged in XX/XX/XXXX. The reporting is wrong because its backwards. It was XXXX XXXX XXXX during that time and if it's not that account then it will be fraud I never opened an account in XX/XX/XXXX nor XX/XX/XXXX with anyone for the amount of {$870.00}. If its fraud it will have my signature and I would like to see what they say I recently opened. There is supporting documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent written communication to Comenity Bank/Victorias Secret dated XX/XX/2020, requesting documentation to substantiate information being furnished to the national crediting reporting agencies on account number XXXX. The request was made pursuant to the FCRA 623/FACTA 312 and is a requirement under Information Furnishers Duties. On XX/XX/2020 I received written communication from Comenity Bank/Victorias Secret dated XX/XX/2020 that did NOT meet the requirements of FCRA 623/FACTA 312. Instead, Comenity Bank/Victorias Secret sent printed copies of credit card statements addressed to addresses that are not of my own. I made a request for them substantiate the information theyre reporting is pursuant to the FCRA/FACTA, thereby causing Comenity Bank/Victorias Secret communication to be significant of a non-response within the statutory 30-day time period to respond. FCRA 623/FACTA 312 requires  Comenity Bank/Victorias Secret to provide the following : ( 1 ) Proof of Liability via original application, ( 2 ) The Terms of the alleged liability, ( 3 ) Proof of performance made by me, ( 4 ) Proof of any other information contained in the credit report regarding the account. Comenity Bank/Victorias Secret provided none of the above. Comenity Bank/Victorias Secret continue to report  unsubstantiated information to my credit report in violation of my consumer rights and is attempting to benefit commercially by violating federal law which potentially makes them actionable by criminal complaint. Comenity Bank/Victorias Secret has violated the Red Flags Rule and Metro-2 Reporting Standards, thereby violating my rights under the FCRA, ECOA, and FCBA. The above illegalities were committed via USPS mail.
Product: Money transfer, virtual currency, or money service

I used an agent to transfer money to an account in XXXX on Friday XX/XX/17. Till date funds never showed up in recipients account. I contacted Agent of choice money transfer in New Jersey XXXX a subsidiary of ( small world financial service group ) today to ask for proof of transfer, they insisted they cant help me unless i provide recipients bank statement. I have spent numerous of my productive hours on the phone to no avail.The supposed recipient sent me a screen shot of their account i also spoke to an accounting officer who confirmed the money never made it into her account. 
Choice bank have been having me do the run around hanging up on me and constantly transferring from agent to agent. A receipt form the transfer agent has been attached for your verification. 
I have a right to receive a document of how the money was transfered out of their account
Product: Credit reporting 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  Bankruptcy Account Number : XXXX  Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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: Payday loan, title loan, or personal loan

I had two loans with NetCredit. The first I paid off almost immediately with on-time payments. They do not report that loan on my credit report. The second I defaulted on within the first year ( the interest was 84 % a year ), but they claimed that I was still making ACH payments on the loan long after it had defaulted. I made the principle in payments before I could not keep up with the excessive payment schedule. This was in XXXX. 

I have contacted them several times and to no avail. I submitted a dispute through XXXX or XXXX, and instead of updating my loan as paid off, they changed it to only 50 % on-time payments. Additionally, they sold that loan to a debt firm but continue to report it as though they own the loan. 

So reported incorrectly, inaccurately. 

First loan was {$2600.00}, account ID XXXX, funded XX/XX/XXXX. Paid off XX/XX/XXXX. 

Second loan was {$7200.00}, account ID XXXX, funded XX/XX/XXXX. On XX/XX/XXXX I cancelled the ACH auto deduction they were doing to my account. On XX/XX/XXXX they started charging my bank account again at a reduced amount but then accelerated payment, after 8 months of contacting them repeatedly about the balance. On XX/XX/XXXX they sold the account to another company. They continue to report it as a late payment.
Product: Credit reporting or other personal consumer reports

SENT THIS LETTER MANY TIMES.

According to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), you are required to complete your investigation within 30 days of receiving this letter. I kindly request that you provide a written response, including the results of your investigation and any actions taken, within this timeframe. If you determine that the information is indeed inaccurate, I ask that you promptly correct my credit report and provide me with a copy of the updated report, as well as notify all parties who received my credit report in the past XXXX months. I appreciate your prompt attention to this matter. Please do not hesitate to contact me if you require any further information. 

THEY REFUSE TO DELETE THIS INFORMATION AND IT IS FALSE AND INACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this complaint to alert you that I was the victim of identity theft. I looked into how to delete the bogus entries from my report and discovered that I needed to file a report with the FEDERAL TRADE COMMISSION or https : //www.ftc.gov. Credit reporting agencies are required by FCRA section 605b to remove/block any items reported on an id theft report. Please see the ATTACHED documents to help you stop the incorrect information that is being uploaded on my report. 

The following is a list of items that do not belong to me and were opened without my consent. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$960.00} ; XXXX XXXX XXXX XXXX XXXX : {$6800.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$410.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$620.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$670.00} XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$120.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am listed as a potential victim of identity theft in the Equifax breach.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$54000.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 
XXXX XXXX XXXX  XXXX
Product: Credit card or prepaid card

In early XXXX American Express closed all of my personal and business credit and charge cards with out notice. This not only left me without being able to get gas or groceries but effected my business as I had several business cards with American Express. They acted with disregard for my business and the several cards I held with them. I charged thousands each month on each of the cards and they were my primary card issuer I utilized. They were not commercially reasonable in their closure of my accounts and did not refund the annual fees I had paid, some a mere month ago. I reached out to American Express on multiple occasions and received no information regarding the closure of my accounts. My points were forfeited and earlier in the summer I had approx. XXXX American Express Membership Reward Points " clawed back '' with out specific reasoning. There practices are not consumer friendly and leave me and my business in the dark in regard to my " violations ''.