23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2020, I attempted to open a business account for a XXXX XXXX in the state of Virginia. Upon articulating this to the branch representative in XXXX XXXX, I was incorrectly advised that in order to open the account I would need either a business license certification or an occupational certification. I explained that a business license certification is not needed in the state of Virginia for XXXX XXXX and that my business was not operating using a DBA, it would simply be titled as my full legal name. The information confirming same can be found here : http : XXXX and here : http : //www.bos.virginia.gov/starting.shtml. Moreoever, I have previously opened a business account with this company ( since closed ) and was not required at that time to provide any of the documentation that was required at the time of attempted account opening on XX/XX/2020. Perhaps the fact that I had a promotional opening offer for {$200.00} was the real reason for not wanting to open the account.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information / and the removal of any fraudulent inquire that was made from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX BANKING XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX BANKING XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX BANKING The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), XXXX the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned to find that your bank XXXX XXXX has pulled all three of my credit reports Experian XXXX XXXX XXXX and I have absolutely no idea why you did that I havent done any business with your bank I did not give you permission to pull hard reports I didnt get information to pull any report so why on XX/XX/XXXX it looks like did you pull all three of my credit reports for no apparent reason?
Product: Debt collection

I sent a certified letter to Caine & Weiner requesting verification that I owed this debt. I never received a response and the account was removed from my credit reports. 
the account has been re added without proper notice and without ever properly providing verification as requested.
Product: Debt collection

I switched to XXXX from XXXX with the promise by XXXX to pay my 2 phones off. Months later, I received a letter informing me that XXXX had not paid the phones off. 

I was offered a {$500.00} settlement by XXXX debt collector XXXX XXXX And XXXX XXXX, from OH. On XXXX, I made the payment for {$500.00} using my debit card. 

But every few months, XXXX continues to hand the already paid debt to other collectors. My credit continues to take unfair hits for this. 

I am being harassed and harmed by this unethical behavior. 

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

XXXX, XXXX and Transunion are reporting false information on my credit report. Addresses, accounts and names that aren't mine. One of the addresses was in Texas and I've never lived in Texas or visited the state. I've tried multiple times with each credit bureau to resolve the matter but nothing has happened. These companies are violating my rights and privacy to personal information 15 USC Section 604 A Section 2. These institutions are falsely reporting XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX 's XXXX, XXXX XXXX XXXX XXXXXXXX inquires XXXX This needs to be resolved.
Product: Debt collection

Subject : Formal Dispute of Debt and Request for Validation Information under Federal Law Dear Jefferson Capital Systems LLC, I am writing in response to your attempts to collect a debt allegedly owed by me. I formally dispute the debt in its entirety as you have failed to provide the required validation information as stipulated under 12 CFR 1006.34 ( b ) ( 5 ). Specifically, I am requesting : 1. A copy of the purchase agreement or assignment agreement between your agency and the original creditor demonstrating your authority to collect this debt.

2. Full validation of the debt in compliance with the Fair Debt Collection Practices Act ( FDCPA ).

In addition, I revoke my consent for any communication via phone, email, or any other method. Per the FDCPA, any further communication not explicitly authorized by law will constitute a violation of my rights.

Violations of Federal Law You have failed to provide me with the opportunity to dispute the account within the mandated time frame, as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Your actions constitute violations of the following : 1. 12 CFR 1006.34 ( d ) for failure to disclose all legally required information.

2. 15 USC 1681s-2 ( 7 ) ( A ) by furnishing information to consumer reporting agencies without fulfilling your disclosure obligations.

3. 15 USC 1692e by employing false, misleading, and deceptive practices in your collection efforts.

As per 15 USC 1692k, you are liable for damages of {$1000.00} for each violation of my rights under the FDCPA.
Product: Debt collection

XXXX we decided to start paying off our debts so that we could semi retire. We paid {$660.00} on our XXXX card that was the balance when we called to close account and pay off. XXXX we finally sold our home in XXXX  and moved to XXXX XXXX  to be closer to our family who are all in XXXX. XX/XX/XXXX we received a phone call from a debt collection company requesting that we pay them {$32.00} the balance on the XXXX card. I told them this was 7 years later and why are they only calling now if there was a balance why did they not call in XXXX or XXXX but the first we hear of this is XXXX 7 years later. They wanted our bank information to process the payment I refused to give them the info as I told them I dont know who they are calling here 7 years later, send me a detail bill and we will look into it. They called again and we told them not to call this number, they then made a call to our cell phone and upset my XXXX XXXX XXXX wife by asking for payment and said it will be reported to credit bureau. Is this legal to suddenly after 7 years to come and say there is a balance {$32.00} can feed us to old people for about 3 days. Company that called is First National Collection XXXX XXXX. Is this legal
Product: Mortgage

My mortgage lender of less than 5 months, Specialized Loan Servicing ( SLS ) filed a NOS on my property. They approved me for a loan modification and did not allow me the timeframe needed to complete the approval process before they filed a sale date of XXXX/XXXX/16 on my home!! The minute I told them I was working with KEEP YOUR HOME CA, they escalated their sense of urgency to foreclose on my property. I was given 3 weeks notice they are going to sell my home on XXXX/XXXX/16. They refused to postpone the sale date to allow KYHCA to process the payment to them that will reinstate my mortgage loan balance and allow me and my XXXX kids to stay in our home. THE SITUATION WAS MANUFACTURED INTENTIONALLY!!!! 
There is no reason for SLS to foreclose on my home! I experienced a brief financial hardship. the financial hardship is over. My job is strong and my income is strong. THIS IS ALL ABOUT THE GREED OF A BANK WHO IS TRYING TO CIRCUMVENT THE VERY PROCESS DESIGNED TO HELP HOMEOWNERS, ALL IN THE NAME OF GREED. 

I am approved by KEEP YOUR HOME CA and they refuse to withdraw or postpone the sale date on my home to allow KYHCA to bring the loan current This was absolutely MANUFACTURED! And CRIMINAL BETWEEN XXXX XXXX XXXX AND SPECIALIZED LOAN SERVICING! 

Only a bottom feeder purchases loans in a delinquent status. Because they smell PROFIT! My loan is owned by XXXX XXXX and there is more than {$200000.00} equity in my home. Please stop another greedy bank from profiting off the backs of a single mother and her XXXX children. This is our home of the past 17 years! 
Please contact this bank and help me and my children keep our home. 
SPECIALIZED LOAN SERVICING XXXX, CO XXXX XXXX p XXXX f XXXXXXXXXXXX Please call me anytime at XXXX Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX LOAN NO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit freeze on my Transunion credit report. They are letting entities still get through credit free e. I.sent them a FCRA XXXX and a XXXX to show me how these banks are getting through my credit freeze I tried calling them in XXXX but the XXXX hate Americans and lie straight to me 3 times to get me off the phone. This is outrageous. These XXXX reps actually either hate Americans or they just don't want to do their jobs. This is illegal.
Product: Checking or savings account

I file a dispute for unauthorized charges on my account in the amount of XXXX claim no XXXX. 
After I filed this claim I found other unauthorized charges XXXX from this same merchant/ person and I filed a second claim on those charges claim no XXXX. Two days after I filed this second claim they automatically denied my claim- they didnt even look at it or investigate because it was just like the original- and they approved the original because it was legit fraud charges. Now Im back and forth through emails everyday fighting with them to give me my XXXX from the second claim and they keep giving me the run around. Its been over a month now
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer and Im making this follow up complaint against IDEAL COLLECTION SERVI for committing identity theft. On XX/XX/27 I sent IDEAL COLLECTION SERVI a cease and desist through the cfpb portal. IDEAL COLLECTION SERVI Should not be communicating with me. 

The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium pursuant to federal law 15 usc 1692a 2. 

My credit report is also a medium. 

Im aware I stated in my cease and desist that you have XXXX business days to remove this from credit report. 

I suggest If you dont want me to pursuit litigation for monetary damages you will cease all communication immediately. 

Shall you choose not to my legal counsel with be submitting summoning you to small claims court to defend yourself!
Product: Bank account or service

This is my second complaint regarding E-Loan ( previous case # XXXX ). That issue was resolved by my giving up requestion the cd I opened and funded be made a trust account. Presently since the account has been funded I have received the incorrect amount of interest ( below the percentage I signed up for and have poof of ). After getting no satisfaction by dealing with e-loan I called XXXX XXXX XXXX XXXX a branch manager of XXXX Popular. She intervened and called Eloan in XXXX after which I received a secure message from eloan that the correct amount of interest would be transferred to my linked ( outside ) bank account with 24 to 48 hours. That was on XXXX XXXX. The interest has not been transferred and in fact when I log on to their website I get a message that I do n't have any accounts there. I have spent numerous hours on the phone and sending emails to this bank. At this point I want to close this account, have my entire opening deposit of {$250000.00}. transferred back to my linked account with no penalty as well as the interest I am entitled to.
Product: Checking or savings account

On XXXX XXXX XXXX truist blatantly refused to accept XXXXXXXX XXXX worth of savings bonds for deposit to my account. They just refused to accept them, at first directing me inside from the drive through, then making me wait like XXXX minutes in line to then tell me it'd take too long and they'd need an appointment and I'd have to come back later. 

They never tried to even schedule the appointment. During this time, two other employees individuals decided to just go into the break room at around XXXX seeing the line.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXXXXXX Balance : -, XXXX XXXXXXXX Balance : -, XXXX XXXX XXXX XXXX Balance : {$540.00}, XXXX XXXX Balance XXXX {$550.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$140.00}, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX Balance : {$340.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$470.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$240.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00}, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$310.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$430.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$860.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$710.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$910.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$600.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$510.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

A background check done by First Advantage lists a XXXX conviction I never got. I had been given a misdemeanor and only a misdemeanor. Not XXXX as listed. Reference # XXXX is incorrect and needs to be deleted. Reference # XXXX is the correct charge I received that day. Please correct immediately. County court XXXX in XXXX XXXX Tx is records.
Product: Debt collection

I HAVE NO KNOWLEDGE OR AUTHORIZATION OF THIS DEBT. I WAS IN MICHIGAN DURING THE TIME DEALING WITH MY XXXX. I ALSO HAVE XXXX XXXX XXXX INSURANCE THROUGH THE GOVERNMENT AND GO THROUGH XXXX XXXX CLINICS ONLY. THEY COVER ALL MY MEDICAL NEEDS & EXPENSES. I SHOULD NOT HAVE ANYTYPE OF MEDICAL BILL FROM THE DEBT COLLECTOR BELOW : Commonwealth Finance Opened XX/XX/2020 - {$780.00} Original creditor : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently reviewed my profile and Im very upset with the result that I have received. May I know how you contacted the creditor for me to know the reasonable procedure you take to determine my disputes are BELONG to me and VERIFIED AS CORRECT information? Did the Furnisher confirm that the information posted in my file is correct? I never received any notice from these companies that my dispute is truly mine or correct. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX : {$760.00} DXXXX XXXX Balance : {$1500.00}
Product: Credit reporting

There was an unauthorized charge made to my Master Card credit card account issued by the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, which I refused to pay. After much haggling, I paid off the credit card account IN FULL on XXXX XXXX, XXXX and stopped using the card/account. The XXXX then reported the account as a Charge-Off anyway ; so I wrote to the XXXX and they responded that a mistake was made, but the credit reporting agency ( Experian ) STILL has not corrected my credit agency file, even after I submitted proof of my payment to the XXXX, and the credit reporting agency continues to show the credit account as a charge-off! How do I get this problem corrected???
Product: Credit reporting or other personal consumer reports

The consumer protection credit act which incorporates, the fair credit reporting act, the fair collections practice act, as well as other consumer protected statutes, prevents and/or allows me to file an identity theft report based on any debt that is either unrecognized and/or unauthorized. I have several items on my report I did not authorize ; as a matter of fact they were retrieved or obtained from sources who claim they received it from public venues, listing commonly known credit agencies. I emphasize, under the privacy act of 1974, my address, specifically, when associated with my name, and my social security number specifically when associated with my name, are NOT public information, and I have given NO authorization to distribute this information publicly. When corporations sell my information to corporations, as such is the case with XXXX XXXX XXXX XXXX XXXX, this is done without authorization, therefore making the information INACCURATE. The law STRICTLY prohibits any inaccurate and/or misinformation being placed on public record such as any credit agency or bureau. The credit agencies can not associate this information with my information without MY permission! 15 USC 6508 : This section falls under the Gramm-Leach-Bliley Act ( GLBA ) and pertains to the protection of nonpublic personal information. Specifically, it defines the term " financial institution '' as any institution engaged in the business of providing financial services to consumers, including banks, credit unions, securities firms, insurance companies, and certain other entities. XXXX5 USC 6802-6805 : These sections also stem from the Gramm-Leach-Bliley Act and focus on the privacy of consumer financial information. They outline requirements for financial institutions regarding the treatment of nonpublic personal information and provide guidelines for safeguarding such information against unauthorized access and use.
Product: Checking or savings account

Complaint XXXX case number has been closed since the company provided a response. The response is in fact a lie. To day, XX/XX/XXXX I do not have access to my digital data. I have made multiple calls, met with the branch manager of the XXXX XXXX 2 times and have been told the data is still not available. I verified this again yesterday by logging in myself on XX/XX/XXXX and the digital data is not provided. I was told by several members of the digital team that this is a wide known issue at NFCU and they are working to resolve. THIS IS NOT RESOLVED. I HAVE NO ACCESS TO MY DIGITAL DATA ORIGINALLY REQUESTED ON XX/XX/XXXX. 

I have attached screen shots of my digital pages, taken today, to show the data is not available. 

NFCU stated 90 days of data is available at a time which I have always complied with in gathering digital data. 

I attempted to download from XX/XX/XXXX - XX/XX/XXXX. As evidenced by the screenshots, " No transactions found. Try adjusting your filters or search term. '' I attempted to download data from XX/XX/XXXX - XX/XX/XXXX. As evidenced by the screenshots, " No transactions found. Try adjusting your filters or search term. '' NFCU continues to mislead all organizations, credit union members and business organizations by providing false narratives and blocking members from digital data. Please advise.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX XX/XX/2022 XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX : {$1400.00} XXXX XXXX Balance : {$250.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 


XXXX XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX XXXXXX/XX/year> {$220.00}
Product: Checking or savings account

Hello, CITIBANKS ARE THEIFS THEY ARE HOLDING MY XXXX XXXX  XXXX My funds was locked today for no apparent reason. They said they could not verify my identify for whatever reason but I had and still have ALL of my documents. This account is new even though I previously had an account with Citibank before joint with my dad. I made transfers to two different accounts from my XXXX sacs account but i wanted to transfer the funds i deposited in my citi to my XXXX XXXX  because I had to make a purchase in the process of giving me a cashiers check in my name they locked my account and said theres nothing that can be done. This whole experience is just traumatizing and extremely unfair. I just want my account unfrozen and my money released please thank you.
Product: Prepaid card

I have tried to use the American Express gift card on XXXX XXXX XXXX, both places that should accept this type of card on several occasions over the past two years since getting the card, every time it says an error has occurred & my request can not be processed. But when I check the gift card balance on Amex website, it says my card is active with the total {$25.00} balance.