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

This is in regards to M1 Finance. This 2nd complaint is being entered for not providing me with access to the balance of my funds. The 1st complaint was for stolen funds. 

1. I'm a victim of Identity Fraud.

2. XXXX hijacked my account and I could not gain access for 5 days. M1 could not access either. Several communications a day to resolve. 
3. XXXX changed my profile to his and attached his external bank account and commenced to sending out {$8500.00} in ACH 's. At no time did M1 confirm his identity or validate the changes with me. 
4. M1 states " that I logged in and created the ACH 's ''. Which is wrong. Check the IP address!! Why didn't they ask for his ID?

5. I asked M1 to review all transcripts regarding the fraud and advise how I was at fault for their inferior controls. 
6. ACCOUNTS FROZEN. I asked M1 to put a freeze on all my accounts for 30 days. They advised it would automatically revert at 30 days. 
7. ACCOUNTS REMAIN FROZEN - It is now two weeks past the unfreeze date. I submitted an image of me holding my drivers license to prove my identity for the release. STILL NOT RELEASED. This is now an emergency situation.

Resolution requested : Return my stolen funds. Release my accounts so I can gain access! I am the wife of a XXXX XXXX XXXX  I will continue to pursue and will involve social medial, news stations, the VA and legal counsel. Let 's do the right thing!
Product: Mortgage

My complaint is against RCS Residential Credit Solutions , Inc, My loan was transferred to them few years ago, it has been a big headache until today. I loss my XXXX in XX/XX/XXXX I ask them to please help me to get a loan modification but they did n't help me, all my financial problems leading me to file a Bankruptcy Chapter XXXX, trying to re organize my debts making XXXX payment along with my mortgage payment. I have submitted a loan modification package on XX/XX/XXXX, I have called every week to the bank asking for my loan status and they just tell me is denied but I have nothing received in writing everything is verbal. Since my BK Chapter XXXX payment is {$1600.00}, my expenses are {$710.00} and my house payment is {$2900.00}. I am desperately looking for help, they can not answer my request for loan modification but they were really faster removing my house from the BK with a motion. They can not give me a trial payment but they send me an appraisal opinion to determine how much my house can be sold. I have lived here for over 24 years. I am not sure if they are going to provide me any solution this time, but I 'm pretty sure that I am not the only XXXX reporting the abuse of this institution to the borrowers. I have submitted my package again ( enclosed please find a copy ) waiting for a help, understanding and cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a fraud-victim of the XXXX and XXXX Data Breach. I have filed a fraud report with my local police dept. the Federal Trade Commission and now the Consumer Finance Protection Bureau. There has been loans, credit cards, medical services and other credit obtained under my name.I never had any use for credit as my late husband took care of all our financial needs and would never allow me to sign any debt-instrument whatsoever. 
1.XXXX  XXXX 2.XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I recently reviewed a copy of my credit report. I was shocked to learn that i have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the information regarding the charged-off account with XXXXXXXX XXXX, account number XXXX, as reported by your agency. I have recently obtained my credit reports from TransUnion, XXXX, and XXXX, and I have noticed significant inconsistencies in the last active dates of the account as reported by each bureau. For the amount of XXXX. 

The discrepancies in the reported last active dates are as follows : TransUnion : Last Active Date - XX/XX/2023 XXXX : Last Active Date - XX/XX/2023 XXXX : Last Active Date - XX/XX/2023 These conflicting dates are causing confusion and concern for me as a consumer. It is essential that the information on my credit reports is accurate and consistent across all three credit bureaus to ensure fair and accurate assessments of my creditworthiness. 
I kindly request a thorough investigation into this matter to verify the accuracy of the reported last active dates for the mentioned account. If there is an error or inconsistency in the reporting, I request that it be corrected promptly to reflect the accurate and consistent information across all three credit bureaus. 
According to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit reporting agencies to ensure the accuracy and integrity of the information they report. I am well within my rights as a consumer to request a comprehensive investigation when discrepancies are identified. 
Please provide me with a detailed response regarding the results of your investigation. If the reported information is found to be inaccurate, I expect the necessary corrections to be made without delay. Additionally, I request written confirmation of the resolution and the updated information after the investigation is completed. 
I appreciate your prompt attention to this matter and your commitment to upholding the standards of accuracy set forth by the FCRA. Please provide me with a timeline for when I can expect a response and resolution to this dispute. 
Thank you for your assistance in resolving this matter. I look forward to your prompt response. 

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

I submitted an affidavit as well as an ftc report to Transunion on XX/XX/XXXX and they have yet to do anything to fix the issue instead of them completing a proper reinvestigation they sent me back a letter that was issued XXXX XXXX stating that they are not required to reinvestigate the items. 

Accounts : XXXX. XXXX XXXX XXXX : XXXX Closed/ Charged off with a balance of {$6000.00} under FDCPA once an account is closed and charged off further attempts to collect payment are not permissible unless that account is reopened or otherwise restructured. this account is inaccurately being reported as being collectible. Additionally, the dates and balances being reported are inconsistent with the information provided by other credit bureaus. As per 15 U.S.C. 1681e ( b ) Transunion has an obligation to ensure that the information being reported is accurate and complete XXXX. XXXX XXXX Closed/ Charged off This account is similarly reported as the reported dates and balances for this account are inconsistent with those reported by other credit bureaus. Under 15 U.S.C 1681e ( b ) Transunion is required to ensure that information on consumer credit reports is accurate and consistent XXXX. XXXX XXXX Closed/Charged off This account is listed on my report without proper documentation to verify the ownership of this debt, i am requesting proof of ownership and validation of this account, including a chain of ownership documentation and if the verification can not be provided, i request that the account be removed immediately. 

XXXX. Unauthorized hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These hard inquiries listed on my credit report are not linked to any open accounts and under the Fair Credit Reporting Act, hard inquiries should only be listed when related to an open account or a recently applied for account. these unauthorized inquiries are negatively impacting my credit score.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit report act, the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX I checked on my credit report and noticed some things are incomplete and not accurate And according to the fair credit reporting act whenever consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 681i They are supposed to do this treatment in accurate or unverifiable information ( A ) in general after any reinvestigation on the paragraph ( 1 ) of any information disputed by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modified that item of information as appropriate based on the resident of the rein investigation and ( ii ) promptly notified the furniture of that information that the information has been modified or deleted from the file of the consumer And according to 15 USC 1681s-2 they are supposed to not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.
Product: Money transfer, virtual currency, or money service

Venmo permanently deactivated my account and refuses to release my XXXX $ out of my balance I provided identification documents and everything and they still are trying to make me wait 180 days its been 90 days now and they still have not released my money I have not been able to pay my rent since they restricted my account
Product: Debt collection

I am contacting you because I have found some information that is inaccurate on my credit report and I never had a XXXX account in the last six ( 6 ) years. This account does not belong to me. I request that you verify the information and remove any inaccurate information from my credit. 

Account owner : Individual Account Date reported : XX/XX/XXXX Account status : Unpaid Creditor Classification : Utilities Original Amount Owed : {$130.00} Original creditor : XXXX Date assigned : XX/XX/XXXX Agency : TRANSWORLD SYSTEMS INC Status date : XX/XX/XXXX Delinquency : Balance owed : {$130.00} Balance Date : XX/XX/XXXX Collection company that contacted about the debt : Agency contact information TRANSWORLD SYSTEMS INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX has FRADULANT reporting on my TransUnion Report on my XXXX XXXX XXXX XXXX Report This needs to be deleted immediately it is affecting my credit score and ability to get a home loan, car loan, credit card. 
XXXX XXXX is reporting the Date of these two listed Accounts as CLOSED Date Closed : XX/XX/XXXX {$1000.00} Act # XXXX and {$2700.00} Act # XXXX these are FRAUDULENT Accounts that need to be Deleted Immediately this is violating my Consumer Rights to a Fair and Accurate Consumer Report. I was born in XXXX. These accounts were CLOSED BEFORE I WAS BORN. DELETE these both immediately and update my TransUnion accounts and update to XXXX XXXX XXXX XXXX TransUnion Report. XXXXXXXX XXXX XXXX
Product: Debt collection

My daughter who previously had a juvenile account that was attached to my account, was the victim of a scam in which her banking information was used to steal XXXX from XXXX XXXX. XXXX XXXX  wrote off this amount as a loss after we communicated to them this was a fraud. We also filed a police report with the XXXX XXXX Police Department ( Case # XXXX XXXX. Although this is now a criminal case, XXXX sent this false debt to a credit agency called Credit Collection Services. This agency is now harassing us with phone calls and letters for a debt we do not owe.
Product: Credit reporting or other personal consumer reports

Subject : Debt Validation Request Dear XXXX, I am writing to formally request validation of the debt referenced in your records under account number XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request documentation that verifies the existence and amount of the debt you claim I owe.

Please provide me with the following information : 1.Validation of the debt : A detailed statement of the amount owed, including any fees or interest.

2.Proof of ownership : Documentation that proves you own the debt or have the authority to collect on it.

3.Account history : A complete account history that reflects all payments made and any adjustments made to the account.

4.Original creditor information : The name and address of the original creditor, including the original account number.

Additionally, please be aware that under FCRA 609, I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. If you are unable to provide the requested documentation, I expect that you will remove all negative entries associated with this account from my credit report.

I appreciate your prompt attention to this matter. Please respond within 30 days to avoid any further reporting of this account to credit bureaus.
Product: Credit reporting or other personal consumer reports

Getting an unauthorized hard credit inquiry deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of an unapproved inquiry. The following is a list of the unauthorized inqury. 
XXXX XXXX, XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX NO XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXXXXXX XXXX Balance : {$2200.00} XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Original creditor : CITY OF XXXX XXXX Balance : {$2000.00} XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance : {$310.00} XXXX XXXX XXXXXXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX : {$2700.00} XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXXL Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX AUTO Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

On or about XX/XX/year>, I received a notification from a credit bureau that a " collection account '' had been placed on my credit report. This " collection account '' had been placed by HP Sears for a utilities debt that I was not aware of ( picture of this collection account attached ). HP Sears had never notified me about the existence of this debt or that I would have the right to verify or dispute such a debt. 
I never received a letter from HP Sears in the mail. I went through all my emails and text messages to see if I had ever received a digital communication from HP Sears. I saw that I had received only one text message from HP Sears on XX/XX/year> ( copy attached ). This text message looked like a spam message and did not contain enough information to notify me of the existence of a debt, or any of the required disclosures for this type of communication. 

HP Sears has violated CFPBs Final Rule ( Final Rule ) which the CFPB has passed to implement the Fair Debt Collection Practices Act ( FDCPA ) requirements regarding disclosures for consumers. 
XXXX XXXX XXXX XXXXwww.consumerfinance.govXXXX XXXX XXXX XXXX XXXXXXXX. 
Before a debt collector furnishes information about a debt to a consumer reporting agency, the Final Rule requires the debt collector to take one or more of several actions to contact the consumer about the debt such as speaking with the consumer about the debts by telephone, mailing a letter to the consumer, or sending an electronic message about the debt to the consumer. If mailing a letter or sending an electronic message to the consumer, the collector must wait a reasonable period of time to receive a notice of undeliverability, such as 14 days, before furnishing information to a Credit Reporting Agency and must not furnish if a notice of undeliverability is received unless the collector takes additional steps. 
The disclosures also must include a statement that indicates the communication is from a collector and is about a debt. The disclosures will help ensure that consumers are able to recognize debt they may owe and raise concerns about unfamiliar debts. 

The sole text message that HP Sears sent to me did not meet the disclosure requirements of the Final Rule, as it did not disclose that the communication was about a debt and did not give me proper notice that there was a debt pending, or that I had the right to verify or dispute such a debt. 
Furthermore, this debt collector sent me this text message on XX/XX/XXXX, and did not wait 14 days before reporting it to the credit bureaus. It reported to the credit bureaus in XX/XX/XXXX. 
In addition, this text message violated California Civil Code 1788.11 ( f ), which requires that such communication display the California license number of the collector in at least XXXX type. This text message did not display the debt collectors CA license number at all. 
Therefore, HP Sears has clearly violated multiple federal and state laws and regulations by reporting the debt to the credit bureaus without ever giving me proper notice of such a debt and giving me the opportunity to get the debt verified or to dispute the debt.
Product: Credit reporting or other personal consumer reports

I reviewed my report and found XXXX collections for which I wasnt aware of. Consumer reporting agencies have a duty to report information accurately. I was never aware for account # XXXX XX/XX/2022 and account # XXXX XX/XX/2022. This violates XXXX XXXX XXXX XXXX, impacting my credit due to false reporting. Please investigate and provide proof. If proof can not be provided, I demand these accounts be removed permanently.
Product: Debt collection

I settled an account an with True Accord, and made the payment to True Accord because they own the debt but they are not reporting the account to the credit bureaus. The company that is reporting to the credit companies is XXXX XXXX. XXXX XXXX is violating my right to have fair and accurate credit information reported. XXXX XXXX does not have the right to report on debt they do not own. That leaves me and any one else susceptible to fraud if companies that don't own debts report on them. Also, by doing this they keep the debt reported on the credit for longer than the statue of limitations allowed. XXXX XXXX is inaccurately reporting that the debt has a balance and the account is open when it is not, I called and they don't own the debt they sold it to True Accord. The account was settled and there is a XXXX  balance on the account. XXXX XXXX refuse to report accurate information and refuse to delete the debt. The account must be deleted from my credit report. When I settled the debt it was paid to True Accord not XXXX XXXX.
Product: Checking or savings account

TCF Bank takes too long to send my account info to third party companies like XXXX XXXX that are trying to help people without credit avoid overdraft fees and predatory payday loans.
Product: Mortgage

I have been impacted by COVID. I made the mortgage company aware of this. Per their website they offer COVID assistance though they have not yet offered that to me. I have been making partial payments ( more than half of my regular payment ) yet I received a foreclosure notice. I am attaching documentation showing all of my communication and payment efforts as well as information listed on the company 's website. My most recent communication with them was on XX/XX/2023.
Product: Debt collection

select portfolio servicicng took over after my bankruptcy in XX/XX/XXXX ... ..trying to do a mortage assist with them since XX/XX/XXXX ... ..recievin different information that was needed by the mortage company ( select port servcing ) Now, XX/XX/XXXX, asking for more paperwork, that submitted in XX/XX/XXXX, again ... ..since XXXX????
Product: Money transfer, virtual currency, or money service

Today, I downloaded their app. When signing up, it said there was already an account under my SSN, and to call if I didn't create that account. I called, because I never used this before. I spoke with " XXXX. '' They asked me to verify some information. They confirmed the existing account was fraud. They said they would shut the account down so the fraudster can not access it. 

However, they verbally told me I am declined and ineligible for an account of my own due to the fraudster. They refused to put this in writing to me. I told them I can not be denied from applying due to this, and XXXX said yes you can because that is our policy. Any time someone makes a fraudulent account, the real person is not allowed to apply. There is no process for this, he said because it is their policy not to allow it. 

I believe this is both discriminatory and not in compliance with regulations.
Product: Consumer Loan

Took out a loan with western sky for {$2500.00}, and immediately they turned it over to XXXX. Paid {$290.00} over 16 months ( {$4700.00} ). I realized I could no longer pay this ( behind on mortgage/utilies ) and that this extreme interest is illegal in my state ( Georgia ), requested they stop the ACH and we come to an agreement that they 've received their {$2500.00} already and then some. This was either XX/XX/XXXX or XX/XX/XXXX. They stopped the ACH debits, but are still trying to collect {$7000.00}. Do they have the right to collect?