23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX herein known as " Consumer '' MIDLAND CREDIT MANAGEMENT herein known as " third party junk debt buyer '' On or around XX/XX/XXXX, a Notice was sent to this third party junk debt buyer by way of official first class mail with Notary Certificate of Mailing to show and validate a superior claim that should be rightfully provided to show that they are the true subject creditor pursuant to 28 U.S.C. 2072, 24 OK Stat 24-2, 24OK Stat 24-35, and 24 OK Stat 60-178-10. The third party junk debt buyer were demanded to provide me with documentation with respects to either an application for credit, services or employment executed with your entity. The documentation requested should support their ability to obtain my consumer credit report ( 15 USC1681 ( b ) ). There has been no response/performance from the third party junk debt buyer. Silence is acquiescence ; acquiescence is estoppels. 

STATEMENT OF FACT : I do NOT have an application or contract with the third party junk debt buyer nor can one be produced with a wet ink signature as requested. That fraudulent and false claim of debt is hereby Adjourned. 

A volunteer, stranger, or intermeddler is " one who thrusts himself into a situation on his own initiative, and not one who becomes a party to a transaction upon the urgent petition of a person who is vitally interested, and whose rights would be sacrificed did he not respond to the importunate appeal. '' Laffranchini, 39 Nev. 48, 153 P. at 252. Parties may be considered volunteers if, in making a payment, they have no interest of their own to protect, they act without any obligation, legal or moral, and they act without being requested to do so by the person liable on the alleged, original obligation. XXXX v. United States XXXX XXXX. XXXX, 208 U.S. 404, 411 ( 1908 ) ; XXXX v. XXXX XXXX. & XXXX XXXX, XXXX Cal . App. 3d 1092, 1098, 223 Cal. XXXX. 298, 301 XXXX XXXX ) ; XXXX XXXX XXXX XXXX XXXX. XXXX v. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX41, 344, 318 A.2d 659, XXXX XXXX XXXX ).
Product: Mortgage

We lost our home to fire XX/XX/XXXX. The insurance funds are with US bank as our mortgage company. XX/XX/XXXX Check Received We sent all of the information they asked for and we eventually received the first draw of {$100000.00} to start the house. The frame was already up as the contractor is local and knew we were serious. Once the house was about half done, the contractor asked for another draw of aprox {$100000.00} as that would be the next draw amount. 
US Bank denied the funds without calling us to let us know. When I contacted them a couple of times they said it was under review. I had no way of knowing it was because they didn't have the floor plans. In the property loss draft file it showed " reviewed and valid ''. 
The sorry I received is just not enough anymore. I need a home for my kids. 
I have asked for a supervisor to call me several times and I only once got a call from a supervisor. Her name is XXXX. Now when I call and leave a message for XXXX to see where we are at, she will not return my calls. 
The contractor has now had to stop work as he does not have the funds to cover what was already put on the house and the rest of the supplies needed to finish.

We have not been treated very good by US bank and none of this was our fault. I feel like we are being victimized again. They have all of the control of our funds and we are left to wait for them to fix their issues with communication.

I have attached a copy of the flow sheet on how to request funds and if needed I have records that we have done what they have asked. It just takes time to gather. 
We are sad and this is starting to really take a toll on my family. The kids have had alot to deal with in this past 2 years. I have records from my boys XXXX counselor that say this drawn out process had made it worse for my XXXX year old XXXX. 
PLEASE TAKE THIS SERIOUS. We need to finish our house. The only reason we have not had our lawyer start anything is because we are worried about the repercussions from US Bank. We don't want to make this process any longer.
Product: Credit card

When i was younger I had some personal struggles and it left me without of debt. Since Ive turned my life around 9 years ago I still struggle with raising my credit score. It got so bad that I had to file for XXXX XXXXXXXX bankruptcy. Since then its been impossible for me to get get a credit card even through I have maintained full time employment and make well over {$75000.00} a year.
Product: Vehicle loan or lease

I was looking at my consumer report and notice a few things wasnt in accordance with federal laws I seen that XXXXXXXX XXXX XXXX XXXX opened XX/XX/XXXX amount XXXX but the federal law states the social security number belongs to the XXXX and anything purchased with that identifier number is in obligation of the United States USC 8 means that anyone attempting to collect a debt from me is guilty under the false claims act [ FCA ] 31 U.S.C 3729 I also was required to put money down for the transaction title 31 USC sec 3123 all debts are United States Obligations and there is plenty more laws made by Congress that protect me as the consumer 42 USC 408 states asking for social security number on any credit transactions or loans is against the law because there is no lawful money and it is a crime.12 USC 1431 banks cant loan money because theyre the borrowers. UUC 3-104 tell us how to use a negotiable instrument,31 USC 5118. 1681 2a they arent supposed to report transactions 15 USC 1602 I am the original creditor. 15 USC 1605 finance charge shall be the sum of all charges, if it isnt its a violation and these other laws should be looked into 15 USC 1635, 15 USC 1662,12CFR s 202,15 USC 1602g USC 8, 12 USC 95a , 18 USC 894 is a federal statute that prohibits the use of extortionate means to collect or attempt to collect credit extensions, or to punish nonrepayment. The statute is part of XXXX XXXX, XXXX XXXX of the U.S. Code, which covers crimes and criminal procedure. These persons have violated my federally protected rights. Banks have been committing fraud since XXXX knowingly and willingly deceives the XXXX XXXX for financial gain every loan agreement I sign is actually a payable instrument used to pay for the service/ product so in fact its actually an exchange and not a loan in an exchange you are trading things of equal value by using my social security number.
Product: Debt collection

I keep getting calls from XXXX sometimes even more than once a day they NEVER leave a message so I have no idea what it 's about. I googled the number and other people have the same problems and I have n't even received any bills or anything in the mail. I am SICK and tired of the HARASSMENT!
Product: Checking or savings account

CITIBANK repeatedly refused to close my checking account # XXXX. Called many times over the past XXXX months, speaking with numerous people ( Customer Service ), and while they refuse to close my account, I wrote a letter with XXXX, my Arizona Driver 's License, home address, which has been my address for nearly XXXX years, the same address where I registered my XXXX XXXX from CITIBANK, my other ROTH IRA with CITIBANK, and a Second CITIBANK credit card. 

I believe that the account is now showing an overdraft because of monthly maintenance fees over past months. I want to close this checking account permanently, # XXXX. 

XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I purchased a home located at XXXX XXXXXXXX XXXX XXXX XXXX, Fl. shortly after I applied for XXXX XXXX XXXX. On XX/XX/XXXX my house was sold due my husband and I divorcing. The XXXX XXXX XXXX equipment was shipped back to the company and the services were paid for. I have disputed the creditor on several occasions. The information listed on my credit profile is not accurate, the account was originally opened in XXXX not XXXX. This account does not belong to me that was opened in XXXX. The name of the creditor is either misspelled or is completely inaccurate.
Product: Mortgage

My Mortgage company has not spoken with me since I filed this complaint was XX/XX/2019. I would receive a call every third day. I called in regards to this foreclosures cancellation date and the company was not aware of the the current servicer decision
Product: Credit reporting

DEPT OF ED/NAVIENT failed to properly report that the account was closed, instead it sent it to collection and it forces me to pay higher interest rates and loose a home before rates went up.
Product: Credit card or prepaid card

I have a Chase Freedom Credit Card. On XX/XX/XXXX I was charged {$79.00} for interest. On the XXXX of XXXX I have a scheduled minimum payment of {$120.00}. This totals out to {$200.00}. I can not afford these charges at this rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name is XXXX XXXX ... I am reaching out because Transunion has Failed to remove multiple accounts that are in Litigation due to Identity Theft.. These accounts are not only fraud related but they have multiple reporting violations, and based on laws stated in the FCRA I AM ABLE TO SUE AND BE AWARDED COMPENSATION FOR THEM DAMAGING MY CHARACTER AND MY ABILITY TO BORROW. THESE FALSE ACCOUNTS HAVE HURT ME AND MY FAMILY IN OUR TIME OF NEED DUE TO THE ON GOING PANDEMIC
Product: Debt collection

I recently got a collection record on my XXXX  credit report from CCS collections saying that I own an amount of XXXX dollars to XXXX XXXX XXXX which I never do business with. It showed up on my account around XX/XX/2019 or so and the account was opened almost 4 years ago. I called equifax about this and tried to dispute it. But nothing happened over a week. this derogatory mark seriously damaged my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client XXXX XXXX is a victim of identity theft. A previous dispute of this was mailed to Capital One fraud department however the office mishandled this as a durable POA and it is NOT. This is a dispute of identity theft. She received a Capital One credit card via mail that she never requested or applied for. It was determined her information was used without her consent to establish this account. ( Acct ending XXXX ). Capital One has failed to conduct a proper re investigation of fraud as outlined by the FCRA which is a violation of my client 's consumer rights.
Product: Credit reporting or other personal consumer reports

I didnt know this would drop my credit score. XXXX points
Product: Checking or savings account

I was a member of USAA Federal savings bank for 17 years. I got my first account there at age XXXX, I was able to get this account because my deceased father was an XXXX XXXX XXXX. I used USAA for checking, savings, car and renters insurance. They recently closed my accounts stating they couldnt give me a reason as to why they did, I spoke to many managers and refused to hang up without an answer and after two hours on the phone they ended up telling me someone would call me which of course they never did.
Product: Debt collection

There is a collection charge on my credit report that is not mine. I have not had any type of auto loan since prior to 2009.
Product: Debt collection

They a In XXXX this year I received notice from XXXX  that a claim had been put against my credit. And a message stating they had blocked an attempt to access my account. Some time later I disputed the claim made by XXXX XXXX XXXX. They then sent me a form to fill out about disputing the claim & a phone number XXXX, to call with any questions. 
When I called the person that answered ( XXXX ) could not speak XXXX well enough for me to understand. At that time I asked to speak to someone that could speak better English, and was told he was in India and I would have to call the United States. He then gave me what was supposedly the U.S. office phone number XXXX. When I dialed it, I was told it was an unassigned phone number! ttached the supposed bill
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them immediately in my 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. My information was used maliciously which affected my credit card usage. 

I have made an attempt to dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with the reporting agencies to resolve this issue but i have not received any help. 

The agency and furnisher are in direct violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance {$270.00} XXXX XXXX XXXX XXXXXXXX Balance {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XX/XX/year> called to request purchase agreement from Hunter Warfield, if purchase agreement could not be provided please delete debt off my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my SECOND DISPUTE regarding the same accounts that are fraudulent and does not belong to me and still showing on my credit reports the accounts need to be deleted from my credit report immediately. Once again this is affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I reached out to PennyMac in XX/XX/XXXX and XX/XX/XXXX regarding my XXXX account overage because part of my property taxes were paid outside of my XXXX account. PennyMac sent me a XXXX analysis that indicated I needed to pay {$330.00} to keep my mortgage from increasing and explained that my mortgage escrow account would increase by {$19.00} to cover property insurance due to a {$220.00} increase. I paid the excess before the XX/XX/XXXX due date. I then inquired about my refund for the Escrow overage minus the amount to cover the insurance increase. PennyMac advised that I would have to have another analysis completed and my mortgage would increase by another {$19.00} due to the insurance which was in addition to the original increase, and that I would not get back the {$900.00} which would be the refund amount minus the required reserve and Escrow paid for XXXX and XXXX. PennyMac would never acknowledge that if I had not received the property tax refund there would not have been an excess overage in my Escrow. They would also not acknowledge that my reserve has never been over {$2000.00} the way it is now in XX/XX/XXXX. PennyMac appeared to have dispersed the tax refund the way they chose to instead of refunding the overage and allowing the consumer to make the choice as to whether they would want to cover more in XXXX to avoid a Escrow increase after the XXXX analysis is completed. I just asked PennyMac to please refund the {$900.00} and explained with the amount that would remain, and continue to be paid into my escrow for the next few months, I would have well over enough in addition to well over the reserve amount necessary even after property taxes and insurance are paid in XXXX. PennyMac disagreed and continued to say my mortgage would have to increase again as well as the Escrow, and another Escrow analysis would need to be completed. They could never breakdown or explain in detail how they determined that my Escrow account was not eligible for the refund I expect, and how they are trying to make new rules now since there is a excess overage when it would not be that way had it not been for my property tax refund. They also kept asking me why I was receiving a refund and I ultimately explained that someone paid {$1000.00} toward my taxes for me which even if it is in my Escrow, I am still entitled to a refund. Please assist with resolving this issue. PennyMac and I corresponded from XXXX.
Product: Debt collection

Dear NRA ; National Recovery Agency ; This is fraudulent, not mine, never had relationship with non of these companies associated with. Basically, I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation

: 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter. 2. Legal basis for the collection of this debt. 3. Proof of your authorization to operate in my state.
4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Product: Debt collection

We have been called multiple times by Midland Credit. We keep telling them they have the wrong number. We do not have any outstanding debt to anyone. 

Most recent calls : XX/XX/XXXX XXXX XXXX  from XXXX XX/XX/XXXX XXXX XXXX  from XXXX XX/XX/XXXX XXXX XXXX from XXXX XX/XX/XXXX XXXX XXXX from XXXX We've tried blocking their number, however, they just call again using a different number.
Product: Checking or savings account

On XX/XX/2023, I received a letter from Bank of America indicating that they were unable to open a deposit account that I had recently applied for. I immediately contacted Bank of America in writing to report that this application for a deposit account in my name was fraud. I requested that they investigate this fraud and report back to me what they were able to uncover in writing within XXXX days. No response was received, so I sent a second letter to Bank of America on XX/XX/2023 again requesting that they investigate this attempted fraud and report back to me in writing within 10 days what they were able to find out. This second deadline has come and gone without any response from Bank of America.
Product: Credit reporting

i have written several times over the past several months. equifax has removed a creditor i was in good standing with and it has not been put back. The original company was XXXX XXXX I had a {$5000.00} credit limit paid in full. The account was two years old. The company was sold to XXXX XXXX. I have received email from the company saying they are live and reporting to Equifax, yet it still has not shown up. This has caused my credit score to drop.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I received this card through the unemployment of Illinois services key bank has locked the card and lied saying the Illinois Department of unemployment services locked the card Ive spoken to management at the Illinois Department of unemployment services they assured me that they didnt put anything on my account in regards to stopping my payments or locking my card since then Ive been getting the run around from key saying that didnt lock it they are lien and giving me the run around The unemployment department has written notes to management about this the issue is that I need my funds unlocked and that key bank is lien and refusing to unlock them
Product: Debt collection

i received collection letter today XX/XX/2024 i requested the company Portfolio Recovery Associates LLC to cease and desist contacting me but they continue to send letters and try to collect a debt i don't owe
Product: Credit reporting or other personal consumer reports

Hi, I tried to lift my freeze on Equifax, but I always see this message : " We are temporarily unable to retrieve the status of your security freeze. Please try again later. '' I contacted Equifax support, but they couldn't help me resolve the issue. It's been a year, and I still can't unfreeze my Equifax account on my own.