23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my computer was hacked, and my personal bank information was accessed by an imposter, XXXX XXXX, claiming to work for the FTC. Wire transfers were initiated and completed by this imposter totaling {$86000.00} from two of my bank accounts. These wire transfers were done on, XX/XX/XXXX, XX/XX/XXXX, XXXX, and XXXX. These transfers went to XXXX and XXXX Two of the accounts this imposter opened got closed soon after for security reasons per the two companies. When these accounts were closed, {$29000.00} was sent back to one of my bank accounts. The total amount that I am currently out is, {$56000.00}. 
Once I saw what was happening, I contacted the two banks, XXXX XXXX and CIT Bank to alert them of the fraud and put a Freeze on my accounts. During a phone conversation I had with CIT Bank I learned that they had associated the imposter 's phone #, XXXX, with my accounts. I also found it troubling that my CIT Bank account no longer had the two-step login procedure that I had initiated months earlier. I believe that CIT Bank was communicating directly with this imposter XXXX without my knowledge and authorization. I have also filed a detailed Consumer Report with the FTC.
Product: Checking or savings account

XX/XX/ PNC said there was a delay and would have my deposit by XXXX XXXX yesterday and still no money.
Product: Money transfer, virtual currency, or money service

A person claiming to be called XXXX XXXX requested to book my XXXX beach rental property but said his company was paying for the trip and he needed to send a check. I said ok but said I wouldn't confirm until the check was received and deposited. A week later he contacted me through XXXX saying there was a " mix up in the payment sent to you, I was supposed to receive two separate payment one for you and the other for my vacation planner, but unfortunately the whole sum of these 2 payments were issue on 1 check in your name and sent to you. And I don't know if you can help me with the difference once the check clears your bank please advise to be on the same page. '' I offered to refund the difference when the check arrived if he provided their name, address phone and email so that I could contact them. Then he asked to text me and I told him that was not possible until the transaction was completed. Then he sent me a .pdf with his name address and phone number. I think I tried to call or text the number and it didn't work Then he texted me from the number above and said the check was on the way via XXXX and gave me the tracking number XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX He texted that the check had arrived. I deposited the check electronically and waited a day. Chase showed the funds had been deposited. He asked me to send the balance {$3400.00} to XXXX XXXX email : XXXX. He asked that I first send {$1400.00} and 'text me the confirmation screenshot once I confirm it I will advise you to proceed with the balance. '' The Chase XXXX transaction numbers were XXXX, XXXX, and XXXX completed on XX/XX/XXXX and XX/XX/XXXX. Friday morning XX/XX/XXXX the bank said the deposit was rejected. I called Chase to reverse the XXXX transfers and was told that since I initiated the transfer they could not be reversed. This XXXX XXXX person continued the ruse saying he would get the money back to me. I told him I was reporting him to the authorities. On Saturday XX/XX/XXXX he texted " Hello '' and that is the last exchange I have had. To add insult to injury, I was charged a {$12.00} returned check fee by Chase.
Product: Debt or credit management

My name is XXXX XXXX XXXX : XXXX Phone : XXXX Email : XXXX Dear Consumer Financial Protection Bureau, I hope this email finds you well. I am writing to bring a serious matter to your attention concerning erroneous collections that have appeared on my credit report. I recently discovered the presence of these collections, and to my utmost surprise, I have no knowledge or information about the debts in question. I firmly believe that these collections have been inaccurately reported and are negatively impacting my creditworthiness. 

I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 609, which grants me the right to request validation of any debt that is being reported on my credit file. Section 609 of the FCRA stipulates that upon my request for debt validation, the credit reporting agency and the collection agency must provide me with specific information to verify the legitimacy and accuracy of the debt. 

The erroneous collections I am disputing are listed as follows : Collection Agency Name : Transworld Systems I Account Number : Unknown Amount of Debt : XXXX Date of First Delinquency : Unknown, it just appeared on my credit report I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and intervene to ensure that these erroneous collections are removed from my credit report promptly. I kindly ask that you initiate the validation process under Section 609 of the FCRA on my behalf and require the collection agency to provide the necessary documentation to substantiate the validity of the debt. 

I am concerned about the potential harm to my creditworthiness and financial stability due to these inaccuracies. I appreciate your prompt attention to this matter and request that you keep me informed of the progress of your investigation. Please feel free to contact me at XXXX or via email at XXXX, if you require any further information from my end. 

Thank you for your assistance in resolving this issue. I trust that your intervention will help rectify this situation and restore the accuracy of my credit report. 

Sincerely, XXXX XXXX XXXX Email : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX, XXXX and Experian are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies XXXX XXXX, XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, XXXX, Experian XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received my credit report I notice several companies inquires that pulled/ viewed my credit without my permission. I sent letters requesting removal of theses unauthorized inquires that did not have written or verbal permission to pull my credit. I have sent a letter to the companies and equifax to only receive a letter stating verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you well. I am writing to draw your attention to certain discrepancies that have come to my notice in my credit file. Upon a thorough review of my credit report, I discovered that my file contains personal information belonging to another individual in error. As a responsible consumer, it is of utmost importance to me that my credit file accurately reflects my own information at all times. 

In light of the provisions outlined in the Fair Credit Reporting Act ( FCRA ), I kindly request your prompt assistance in rectifying the following inaccuracies within my credit file. As per the FCRA guidelines, consumer reporting agencies are required to address such requests within a period of 15 business days : Removal of references to XXXX  Removal of references to XXXX Removal of references to XXXX XXXX XXXX Removal of references to XXXX XXXX Removal of references to XXXX  XXXX XXXX Removal of references to XXXX XXXX  Removal of references to XXXX XXXX  I trust that XXXX, XXXX, Equifax, will prioritize the resolution of this matter and ensure the expeditious removal of the aforementioned inaccuracies from my credit file. Your compliance with the FCRA regulations and your timely response to this request will be greatly appreciated. 

Thank you for your attention to this important issue. 

Sincerely, [ XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter of on XX/XX/2022. To remove XXXX XXXX information that I don't want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681, I have the right to Privacy. Also According to 15 USC 6802, No Financial Institution is not suppose to share my Information to third Party people. 
These are clear Violations of my Federally Protected Consumer Rights.
Product: Debt collection

This company ASSETCARE LLC is in direct violation of the Fair Debt Collections Practices Act. In my opinion they have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of these violations. 
In XX/XX/2021, I sent by certified mail receipt number : via usps # XXXX, a request for ASSETCARE LLC to provide me with proof and evidence of the debt alleged I owed, and I did so within 30 days of receiving ASSETCARE LLC first notice on XX/XX/2021. In that same letter I also included my cease and desist instructions. 
After verified delivery of my letter via your office by certified electronic delivery at XXXX on XX/XX/2021, ASSETCARE LLC proceeded to report this unverified account to XXXX Credit Bureau impacting my credit score by a loss of 27 points on XX/XX/2021 screen shot included then ASSETCARE LLC mailed a simple bill dated XX/XX/2021 which is NOT considered a " validation of debt '' by any means. Then ASSETCARE LLC proceeded to contact me by mail XX/XX/2021 with another document claimed statement of account which in quote stated an itemization of medical services we obtained from the medical provider is also enclosed as a courtesy, which reflects a balance of {$0.00} even after the delivery and acceptance of my certified letter on XX/XX/2021. I sent yet another certified letter requesting proof of this account or debt, signed contract with my signature on it, agreement to share my medical records if so with multiple contacts as stated in their communication of at least 3 companies that I am unaware of having any dealings with.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX and XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), AD Astra Recovery Service ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) has violated my rights with the reporting to my credit report.
Product: Vehicle loan or lease

Over the course of my auto loan, I have overpaid approximately {$1700.00}. I originally check a box stating that I want the extra amount applied to principal. Unbeknownst to me, they have applying the excess payments to finance change although it was represented to me based on my selection at payment and on billing statement itself, that extra payment would be applied to principal. This has occurred over the life of the loan ( opened XX/XX/year> ) which has resulted in paying higher fees than I should be.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello : Credit acceptance keep putting this auto loan on my account. Someone stole my identity and created a fake id and went and bought a vehicle in my name. I have contacted them multiple times and they keep adding this account to my credit report. XXXX is reporting this fake account on my report. I did not authorize this, I need them to remove it from my account and stop putting it back on there. It's illegal to add false information to credit reports. 


Someone must have created a fake id and posed as me and you all keep putting this account on my credit report. I was a victim of identity theft and this account is a fraudulent account and you all keep placing it on my report. 

I have ask you all to stop placing this account on my XXXX  report. You all are allowed not to lend me a auto loan but you all are violating my civil rights and I will be suing you all if you dont take this account off my XXXX  credit report. I dont ever want to do business if you all dont assist people with fraudulent information and keep insisting that this account is mine. I have never had an account with you all and its illegal to keep adding fake accounts to peoples credit reports. 

Please remove this account before I contact the law and sue you all. I already submitted a identity theft affidavit and you all still wont assist me in removing this fraudulent account or I will be filing a lawsuit against you all. 

Please remove this asap. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As I investigated my credit report, I found out that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), kindly investigate this unverifiable account : XXXX XXXX XXXX XXXX Balance : $ XXXX-I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Im from XXXX and I had a problem with XXXX in the past because my father shares the same Name as me and when he declared bankruptcy his collection information was applied to my account. I resolved the dispute with XXXX XXXX. I recently applied for a XXXX XXXX credit card and was denied because they report to TransUnionXXXX and that particular company reported to XXXX that I had a collections item still on my account. I spoke to TransUnion and they said that they would file a dispute form about the innacuracy on my credit file. I know that its going to come back and they will deny it because I dont have any information right now to back my claim up. When I delt with XXXX 4 months ago I filed the dispute form and sent XXXX documents that had very sensitive information regarding me and my parents bankruptcy information and these companies should communicate with each other and update information accordingly. This is a broken system and I now have an extra inquiry into my file for no reason. If I would of known I had a collections item at one of the. 2 credit bureaus I would of never applied for a credit card.
Product: Mortgage

So after filing a complaint with the CFPB, Loancare/ Lakeview LLC reached out to me concerning the issue we previously had RE : # XXXX. 
Silly me, I close the complaint and write a glowing review of how Loancare/ Lakeview is working with me to resolve the issue. Fast forward, I'm sent a loan modification approval. It just needed to be signed, notarized and returned. The mailing date on the XXXX envelope they sent was XX/XX/2021. We signed the agreement and returned everything in the return envelope they provided. 
The following day I receive a letter in the mail stating my loan modification was denied. This was also dated XX/XX/2021. Are they playing games? Was this some kind of clerical glitch? I call Loancare they claim they have no record of said agreement being approved or mailed to me. I mention the attorney 's name on the envelope. " No one by that name works with us '' huh? I keep all my papers so I scan everything to them including the XXXX envelope it came with along with my receipt for the return mail. No response. I call again and they still don't acknowledge agreement but they now require even more documentation even though these are the same documents I've sent numerous times. Basically I got the run around but if someone took the time to draft an agreement why can't anyone care enough about their job and actually look into what's going on? 
Keep all of your papers when dealing with Loancare/Lakeview but unfortunately it still won't matter to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX won't remove or Give me method of verification on how they verified the accounts I'm disputing with them as they are only using XXXX  not actually providing me documents on what documents were used to verify they accounts if they can't provide me documents this must be deleted 2 XXXX accounts and total card they can't verify something that they are reporting without proof same with equifax they have a XXXX card reporting on my report they just provide me proof paper work not just papers saying the accounts has been verified I sent them certified letters asking them for my documents as it is my right as a customer to see how they are verifying these fraudlant accounts
Product: Checking or savings account

I opened the beyond checking with TDBank by their online promotion for a bonus reward. In 3 months, when the bonus supposed to be redeemed, TDBank looking for excuses to reject the bonus. It has been months I have talked to them. They first responded as I need to wait longer in terms some products is 140 days ( which was 90 in the case of their advertising ). Then they told me I am not qualified in terms the account was opened in branch. After I clearly responded that I was directed by their online rep to open in-store and the store manager inputed all the requests ( which according to the store manager was approved by the marketing dept ), they trying to confuse me by telling me that according to their system the only promotion fits in-store opener did not qualified in my case. In a word, TDBank is using all means to rejecting the bonus I should get and avoid talking about the fact that I was directed by their XXXX rep to open in-store after I submit my online application that reads " Please call our customer service to further assist you ''. ( Please ask for the records since when I called-in their system prompted with recording services with the number XXXX ). Now when I trying to reach them via secured message center, they simply responded not working during cov19 please visit in-store location. I have tried to solve the problem by calling, in-store visit back and forth since XXXX this year. It has not only been extremely frustrating but also monopoly and abusing. I am senior that trying to making a living with my limited retirement. I have worked in my youth and never expected a National wide banking system would be such disgraceful since I believe everything should have been straightforward and business should be based on honest. Please help me.
Product: Debt collection

Dispute of Debt - STEEL RIVER SYSTEMS , LLC, Dear CFPB Team, I am writing to formally dispute a charge-off listed under my name. I believe this debt is inaccurate and have specific concerns regarding the validity of the charge-off. Firstly, I have not received a Form 1099 nor any other documentation validating this debt, which should have been disclosed to me as part of the debt collection process. I understand that under the Fair Debt Collection Practices Act, I am entitled to receive proper notice regarding any debts that may be claimed against me. To the best of my knowledge, I did not incur the debt associated with this charge-off, nor have I ever been contacted by the original creditor regarding this matter. Additionally, my attempts to obtain documentation validating the debt have been unsuccessful. In light of the above, I am requesting a thorough investigation into this charge-off and any supporting documentation that validates the existence of this debt. I am also requesting that you provide me with a complete account history, including any communications sent to me regarding this matter. Please do not hesitate to contact me at XXXX or XXXX should you require any further information or clarification regarding my case. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX ---