23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On Tuesday XX/XX/2021 at XXXX from XXXX calling me regarding proceeding office said a complaint had been filed against me. I told her I was unaware of what she was talking about. A few minutes later my wife called me and said someone had called asking for our daughter ( XXXX XXXX XXXX said they had a complaint against her and then they ask for me ( XXXX XXXX ) to make the long story short this cause a a big family mess because my called my daughter which is in school got her very upset my wife was thinking she had to sneaked and took out a loan which was not the case. I then called the number XXXX gave them the # XXXX and spoke with a XXXX XXXX and asked him why was they calling asking for my daughter he told me that sometimes they will even reach out to neighbors and other family to reach a person this is a violation and he would not give me the address of the place he was calling from, he said he couldnt give out that information. Also he stated that this under the ( FDCPA ) can not threaten leal actions and at the end he said legal actions will be taken. This phone call was made on XX/XX/2021 at XXXX a.m. from XXXX. Please follow up with this and let me know the outcome thanks so much
Product: Vehicle loan or lease

On XX/XX/XXXX, I had called byryder the number me the same guy that sold me and XXXX the vehicle it was a replacement after a tornado had totaled the XXXX XXXX XXXXXXXX. It had a blown head gasket I was to fix it the day that XXXX XXXX or last name XXXX decided to walk out and leave everything on my credit with no word no answers on XX/XX/XXXX or XXXX I any way I had called byryder and left the guy that sold us the car a voice mail with the account number and my name and her name and my phone number the voice mail had stated that XXXX decided to walk out and I cant afford the car and you guys need to come a repo it. XXXX XXXX or XXXX had talked me into being primary on the accident due to her having XXXX repos and that she was second primary. I had left the car at the house in XXXX once I moved into my friends cause I couldnt fix it after i spent all my money on trying to save my house. XXXX was the last one at the house getting her stuff out I had also left a voice mail on the manager phone the guy who runs the car lot shop saying the same thing. Some how in the time frame of her last seeing the car and asking me for the keys and I had told her I left the keys in side the house on the counter the car place wants to come after me for the car being missing they call and call and I answer i instate I left the car on the property XXXX was the last to see the car and had asked for the keys so why she wasnt answering the phone call from byryder is a mystery to me. I had no intention of leasing a car I had a car already that my mom had givin to me so again I would like my name off the account due to it being her car that she always drove and wanted. She had me do a lot of joint stuff with her and it is effecting my credit badly when I had no part in anything that she had planned I feel like I was scammed and used that whole friend ship. And fraudulent scammed as well
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, and XXXX continue to report inaccurate information on my account. They continue to report medical accounts and place recently removed accounts back into my credit profile with out my knowledge which is violating my consumer rights. I have provided a dispute with these accounts as I have never opened an account with these creditors. 

In addition, the bureaus have never provided me with any executed contracts/agreements to show proof that these are accounts that I opened or request. How do I know it was someone else opening the accounts?
Product: Mortgage

I started a mortgage refi with a company Alliance Home Loans. They told me that i am not to make my next month payment. we have never had missed a payment in 3 years. They failed to close the loan on time which now we cant re fi for 3 month and have damage or perfect payment history. And now we have to struggle to catch up. I feel that if they could n't close they should have let us know!!
Product: Credit reporting, credit repair services, or other personal consumer reports

old credit inquires are still on my credit report and need to be removed they are too old.
Product: Consumer Loan

Citizens Bank took {$730.00} from my checking account three days after I made a payment of {$850.00} to bring my account current. They claim their credit department called me to get my permission. I received no such call. Their credit department would know that the account was current. They appear to be acting like XXXX.
Product: Mortgage

At this time the Servicer Gregory Funding agreed to accept a new offer to continue with the short sale request, the previous offer was for {$460000.00}, the new offer is for {$480000.00} It is a higher offer from the same buyers that placed the {$460000.00} offer. The servicer did not request a counter offer amount, so I don't know if they will agree with this new amount. I am attaching the offer and the addendum of the offer.
Product: Prepaid card

I went to buy a prepaid visa at the gas station in XXXX wyoming about XX/XX/2023. Once purchased I tried several times via phone and internet to activate the card. It continued to deny me access to a card I prepaid for and had already put XXXX dollars of my money on. I had to wait till the following monday to call the company. When I called they informed me they could not give me access to an account because they could not identify me. I did this for over XXXX hours till finally it was revealed I had already had an account and despite that it was in the positive by XXXX dollars they still could not identify me because I could not tell them my last XXXX transactions with exact numbers and passwords. but they wouldn't tell me where or who I had this account with. Then finally they said they would refund me my XXXX plue the other XXXX dollars. I gave them my address and still have not had a check. I called back again trying to get my refund for the money same thing they informed me they were sending a check but no nothing its been months I want my money back and I want access to all accounts under my name with information. Ive been told the refund is coming and its now 3 months when they promised 10 days. they promised this 2 times now.
Product: Debt collection

Around XX/XX/2021 There was a debt added to my credit report in the amount of {$1900.00} from Diversified ADJ SVC, XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX. 

I sent my Identity Theft Report to them on XX/XX/2021 because I did not recognize the alleged debt. I received back a letter from XXXX Fraud Management stating that they have completed an investigation and have denied my notarized Identity Theft Affidavits, forms, and identification that was sent to Diversified ADJ SVC originally. 

On XX/XX/2021, I responded to XXXX Fraud Management challenging the accuracy of this record and asked for them to send me proof that this account was opened under my SSN and not an EIN. I asked them in writing that if they could not produce said documentation that they remove this item from my credit report immediately. 

On XX/XX/2021, I received the same letter back from XXXX stating they denied my claim. 

This debt was not established by me under my social security number. XXXX is choosing not to submit to me the required documents that are related to this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act : XXXX account number XXXX has violated my rights, XXXX account number XXXX has violated my rights, XXXX XXXX account number XXXX has violated my rights, XXXX  XXXX  account number XXXX has violated my right, XXXX  XXXX  account number XXXX has violated my right, XXXX  XXXX  account number XXXX has violated my right, XXXX  XXXX  account number XXXX has violated my right, XXXX  XXXX  account number XXXX has violated my right, XXXX  XXXX  account number XXXX has violated my right, XXXX  XXXX  account number XXXX has violated my right, XXXX  XXXX  account number XXXX has violated my right, XXXX  XXXX  account number XXXX has violated my right, 15 U.S.C. Sec. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. Sec. 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

its very upsetting and left a disturbing and distaned feeling after viewing and credit report and seeing several fraudulent items on my report as a act of identity theft. XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX i did not aithorize these accounts, and they were updated to my credit report without my knowledge or permission. Under 15 US code 6802, financial institutions are required to protect my personal information and under 15 US code 6803 they must inform me of thier policies to safeguard my data with a clear and conspicuous notice. 
these protections were not followed, allowing my information to be stolen and used. according to 15 US code 1681c-2 i have the right to block accounts related to identity theft from my credit report within XXXX  days of you receiving my complaint. these fraudulent accounts are damaging my credit report and effecting my ability to purchase a home for my family. i am requesting you to remove/block these fraudulent accounts from my credit report.
Product: Prepaid card

I filed a claim to dispute multiple charges that I did not authorize. Money Network claimed they would mail me a dispute form that I had to return within 10 business days. When 6 business days passed and I had not yet received the form I called their customer service to ask if there was an electronic way to send the form to which they informed me that i could download a dispute form, fill it out and email it to their fraud department, which I did and got it to them before the end of the 10 business day deadline. I hear nothing from them for over another 10 business days, so I called customer service again and they informed me that my case had not been started. I finally received a letter claiming my dispute was denied due to " timing and card-present indicators of other recent transactions. '' The disputes in question are charges to XXXX and XXXX, neither of which I have an account for. These transactions took place between XX/XX/year> and XX/XX/year>. I could not access my account through the Money Network website or app for weeks because of ongoing issues on their end. The total amount of unauthorized transactions is {$210.00}.
Product: Debt collection

Notice for Proof of Claim Account : DRS ( DYNAMIC RECOVERY SOLUTIONS ) XXXX Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. 
Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Checking or savings account

hello, my name is XXXX XXXX and my account has been close without any reason. 

i do not have negative balance. 
i have not involve with any fraud activity or ilegal things. 

why my account has been close? 

i will apreciate to get help for talk more about any issue that cause this decision. 

my debit card number asociate XXXX account ending XXXX, XXXX, total 4 accouns close today.
Product: Debt collection

I have try to contact Midland funding about an account that shows on my credit report they are unable to give me information about this account when I asked about it, I just get a run around saying I need to call another number and when I called that number no one ever answer. I have spoken with XXXX Card Services and they do not have anything in there computer that says I owe them any amount of money. So Midland needs to stop reporting this incorrect information.
Product: Credit reporting

XXXX has misreported my payment history. I have presented to Experian copies of my cancelled checks which they will not acknowledge
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received an email from BINANCE.US that I had an outstanding balance of {$3000.00} USD and if I didnt make the payment to correct this then my account would be liquidated of my cryptocurrency. 

I contacted them via several emails to inform them that I had documentation that the payments went through including transaction pictures from my bank account and confirmation from their sites indicating that the payments were received. 

I highlighted that payments were made from my bank credit card and wire on the following dates : 1 ) XX/XX/XXXX - {$1000.00} ( {$950.00} deposited ) 2 ) XX/XX/XXXX - {$1000.00} ( {$950.00} deposited ) 3 ) XX/XX/XXXX - {$1000.00} ACH Wire deposited I also attached the bank proof from my account. 

Therefore, $ XXXX $ XXXX $ XXXX {$2900.00} was made into my BINANCE.US account. 

Amount owing from me was {$5.00} USD. And I explained that there was {$5.00} in my account balance that they could take which is what they normally do. They dont wait to withdraw because you deposit into your account first and then you make cryptocurrency purchases. 

They never got back to me at all. Its been over a month now. 

Today, at XXXX PST, they sold my VET cryptocurrency without my consent XXXX XXXX  or XXXX shares. They started the liquidation without my consent. I cant take my money out nor can I transfer this. 

I invested in this company because it was US based and I thought they would uphold US values, sadly newer XXXX companies have shown far more customer honesty and respect than these loose characters. 

I need your help because I dont know what illegal activity they are engaged in with my money and personal information. 

Please help me as I had previously gone to the XXXX XXXX XXXX and the FTC but I havent had any progress with this insane company.
Product: Debt or credit management

Systems & Services Technologies , Inc. is now the owner of my loan from XXXX XXXX. XXXX went under and the contract File Violated TSR. 
We all signed up for a company that would manage our credit cards and help our credit scores. In the end, they charge us fees and are now passing on balances to a credit collection agency, which will now be reported to our credit bureau and intern will ruin our credit scores. This is not what they advertised, If it was, we wouldve never agreed to work with XXXX.
Product: Credit card

I have been a customer of this credit card company for about 2 years. I began with a credit line of about XXXX, I then requested an increase and was given a line of XXXX. Every one of my credit and loan accounts if in good standing, no account in default or missing payments. Periodically I review my accounts for changes in APR 's and I noticed that the available credit on this card was not what it used to be. I found that this bank lowered my credit line to XXXX without notifying me, putting my utilization ratio to about 95 %, causing irreparable damage to my credit score. When I called them, they claim they had " concerns '' about my account. I asked if the account was in default, and they said no. Their concern : my OTHER cards had high balances. Not that they were delinquent or in default, and this is immediately after the XXXX, when historically people use their cards the most. I believe this is an unfair practice, and it was only done for the credit card companys benefit. They refused to reinstate my original credit line so that my score was not impacted. I am planning to purchase a home in the next few months, and this will cost me a lot of money because of my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX regarding their unauthorized and illegal reporting of my educational records, specifically the transaction history, to consumer reporting agencies. This action by XXXX is a clear violation of the Family Education Rights and Privacy Act ( FERPA ) of 1974.

The Family Education Rights and Privacy Act ( FERPA ) safeguards educational records, encompassing a wide array of information, including but not limited to grades, transcripts, disciplinary records, and personally identifiable information ( PII ) directly linked to a student. Transaction history pertinent to educational loans or financial matters, although not explicitly outlined in FERPA, falls squarely within the realm of protected information due to its direct association with the educational journey and financial status of the student. 

As custodians of these records, XXXX is bound by FERPA regulations. However, they have egregiously disregarded these regulations by reporting transaction histories to consumer reporting agencies without obtaining my explicit consent, thereby breaching the privacy rights guaranteed under FERPA.

Moreover, the Privacy Act of 1974 supplements FERPA by regulating the collection, use, and dissemination of personal information by federal agencies. This act establishes stringent measures to ensure confidentiality, accuracy, relevance, and proper use of personal information. 

XXXX 's disclosure of my transaction history to consumer reporting agencies without my explicit consent constitutes a blatant violation not only of FERPA but also of the broader principles established under the Privacy Act of 1974. These actions compromise the confidentiality and privacy protections afforded to my educational records and personal information, resulting in tangible financial damages and emotional distress. 

Despite my attempts to rectify this matter directly with XXXX, their failure to acknowledge or resolve the issue necessitates the intervention of the Consumer Financial Protection Bureau. I am seeking not only accountability for XXXX 's actions but also compensation for the financial damages and emotional distress incurred due to their illegal reporting activities. 

I kindly request that the CFPB investigate this matter thoroughly and take appropriate actions to rectify the violations committed by XXXX. Pursuant to 15 USC 1681n, I seek damages of {$1000.00} per violation as a result of their unlawful actions. 

Enclosed with this letter are relevant documents supporting my claim. Please do not hesitate to contact me for any further information or clarification needed to pursue this matter. 

Thank you for your attention to this urgent issue. I trust that the CFPB will take necessary steps to address this grievance and ensure justice is served.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX XXXX in full and they agreed to remove it from my credit report immediately. All other reporting agencies did except Transunion. The company denies derogatory being on the paperwork but trans union still has not fixed it after multiple reports and calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company discovered a breach of personal information on XXXX XXXX, XXXX and did not report it to the public until XXXX XXXX, XXXX. Meanwhile there is someone putting inquires on all my credit reports because they have my information and the company has failed to inform me or anyone of that matter. It took 6 weeks for myself and other consumers to find out, while in the meantime credit reports and scores are being affected. On top of that in there findings 3 executives decide to sale there share of the company and protect their self and personal information has been compromised. These unauthorized inquires should be removed. 

XXXX XXXX XXXX from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXXnquiry from XXXX XXXX, XXXX + XXXX - XXXX, XXXX, XXXX. 
XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX Banks XXXX XXXX XXXX  XXXX XXXX from XXXX XXXX, XXXX + XXXX Banks XXXX XXXX XXXX from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX. 
Use Credit Union Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX  Inquiry from XXXX XXXX, XXXX + XXXX - XXXX, XXXX, XXXX. 
XXXX XXXX XXXX from XXXX XXXX, XXXX + XXXX XXXX  XXXX/fore Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX from XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting with this written notice that the following inaccurate   XXXX   XXXX   XXXX    60-89 D ays Late be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to remove them. If this final request does not prompt you to conduct to removal of the account and send proof to me of said investigation or removal, I will file a civil suit in  XXXX  Ky for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.
Product: Credit reporting or other personal consumer reports

There are multiple inquiries on my consumer report that I dont recognize and I did not authorize. 

XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year>