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

XXXX XXXX XXXX has been illegally reported on my credit report..I formally disputed it directly with the credit bureaus in regards to their illegal reporting and have not received any satisfactorY reply..Therefore I am now filing this complaint to stop reporting this erroneous item.. 
I requested proof that the repossession of the subject vehicle was legal in accordance with the law.. Since credit bureaus were unable to provide me proof within 15 business days as required from receipt of my letter the alleged claim of deficiency will be considered null and void.. They did not remove it that's why I am filing this complaint to make you aware and take care of it.
Product: Checking or savings account

For the last two years my account has been hacked and funds taken out by various companies, all except one I have never heard of. I have detailed each charge and dates in the attached documents upload as they are too numerous to list here. These charges started in XXXX and continued until recently in XXXX ( XXXX ). I had not realized these charges were being taken out until I started tracking my account activity after the latest disputed charge and even one dispute at the beginning of XXXX that also caught my attention and I disputed it and it was denied. What made this denial incredible is my dispute on this same merchant was upheld a few month before in XXXX. Whenever I see a charge I don't recognize I report it and file a dispute and the bank is supposed to investigate it but I have little confidence with the lack of time that was spent investigating these several charges that it was thorough and complete. I even had 3 companies refund charges to me as much as they could because they realized the charges were false and said the bank would have to do the rest of the refunds by contacting them but the bank didn't recognize that as proof either and denied some of the disputes and didn't recognize the or address the others. All is documented and presented to you for your review.
Product: Bank account or service

A financial institution sent a direct deposit to an account I owned that has since been closed. Chase bank, subtracted charges they are stating I owed, but will not disclose to me what the charges are. I have good reason to believe the account was not closed properly and Chase continued to assess charges to the account. They sent the remainder of my deposit to a wrong address, and will not initiate a stop payment on the check until I pay to have a document notarized. I feel like they are holding my funds ransom, as well as not being transparent in telling me what the charges of {$190.00} subtracted from my deposit were for.
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 : XXXX 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 is the list of items that do not belong to me or were opened without my permission. 
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 XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : $ XXXX OF XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX Balance : $ XXXX XXXX XXXX Balance : $ XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2600.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$590.00} FIRST XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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: Consumer Loan

I have a recently purchased a auto loan MCMC also known an mike carlson motors company in XX/XX/XXXX. I recently became due for my second payment XX/XX/XXXX, Sunday. Keep in my I secured a post dated payment for XX/XX/XXXX, Saturday for my payment due to my paydate being deposited friday evening giving time for funds to clear into my account. I received a phome call today, XX/XX/XXXX from MCMC customer service department. I confirmed that i did secure the post dated payment last week, however the customer service representative was abrasive and rude. Advising i should have paid my car loan on my last paydate, knowing i was due the XX/XX/XXXX. I tried to inform i had cover my rent and other bills ... .but she was still rude, cut me off in mid sentences. Threatened that there was no grace period and my account can go into management review, when i inquired on what she meant, no direct answer or clarification was given. To me, felt like a threat rather than a fact. I understand I have a responsibility amd communication should be given. But if i feel threatened or not given the chance to speak or provide my feedback, that 's a major problem. I have worked in the auto collections industry over 6+ years, and i know as a consumer and a worker who maintain FDCPA laws, this is not what their practicing. And they should be reported or monitored on how they talk to the consumers or customers. They will not XXXX or have a business if they continue to use their practices.
Product: Checking or savings account

This is an additional complaint to my open complaint against Bank of America. 
Recently after I advised the bank of my complaint with ( CFPD ) your office. And it being 90 days of my unresolved claims the bank closed my claims So that they would be within the federal guidelines 90 day policy in which to resolve my claims. Its a false claim on their part and its cheating the system .They wanted to show that the claims were resolved within the 90 day time frame. However, the claims have not been resolved and because I have not been given the chance to submit my evidence to them. Furthermore, they have stated that I have until the XXXX of this month to submit my evidence even though it shows these claims closed. It is now the XXXX and I have not received the merchants response or the documentation of signatures and swipe records or any records from the bank. BofA has stated that they sent them to me on the XXXX but I have not received them as of yet. I spoke to their claims dept and they advised me that they were going to email this documentation out to me yesterday but I have not received it. They closed the case only to show that they handled my claims within the 90 day process which they did not and they are running down the clock on the dead line to turn in my statement which I have to wait until I receive the document from the merchant. And everyday that goes by without receiving these documents I have less time to prepare my statement by the deadline of the XXXX. Its not fair and Its being done intentionally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not receive my XX/XX/XXXX and XX/XX/2018 credit card statements, which meant I did not make my required payments by the due dates. After numerous conversations with credit services, XXXX XXXX   acknowledged their mistake and vowed to update my credit reports to reflect no late payments. However, XXXX XXXX did not correct two of my credit reports and now it's adversely affect my ability to refinance my mortgage. I provided XXXX XXXX with the requested information however, they have not updated my credit report, as they indicated they would.
Product: Debt collection

Two months ago I called the Savit Collection Agency asking for my husband account because he has a debt for {$2700.00} with this agency, this is a medical bill. I was calling to see if there was a way to pay less this debt. First of all a lady asked for my name and the relationship with this person. I told them my name and also that I was his wife. So after a month I was checking my credit report and I found out that my husband 's debt also appears in my credit report. I called them back and asked why they report his debt on my credit report. They said in New Jersey is legal to put a debt on both spouse, but my husband has this debt for almost two years ago and never appeared on my credit report, this happened after I made the call and they asked for my name and relationship. Now my credit score went down a lot because of this.
Product: Credit reporting

I had XXXX XXXX credit card accounts and one " XXXX '' (??! ) account on my credit report which were NOT MINE. I was shocked. i notified the bureaus of this error ( see letter attached ). They were somewhat helpful, removing XXXX of the XXXX accounts -- but not the other. I was totally bewildered. Neither account is mine. I do n't know how they became attached to me! Anyway, I was then instructed to contact the " data furnishers '' about the error ( see letter attached ). They were even less helpful. They did nothing to help. I then notified Equifax of my intent to file a complaint. i am following through with this notification.
Product: Debt collection

On XX/XX/2024 I received a letter via paper mail from a Midland Credit Management Inc. stating that I owe them money for a credit card debt for the amount of {$670.00}. Here is the text verbatim from the matter : Dear XXXX, Midland Credit Management , inc. has made several attempts to contact you regarding this account. MCM is now considering forwarding your account to an attorney in your state for possible litigation. Upon receipt of this notice, please pay at MidlandCredit.com or call XXXX to discuss your options. 

Additional : if we dont hear from you or receive payment by XX/XX/2024, we may proceed with forwarding this account to an attorney.

To the best of my knowledge however, I have not received any communications for the alleged debt nor have I received any communications regarding a third party, in this case MCM, buying my debt to the credit card company and that I now owed them instead.

I believe my consumer rights have been infringed upon by Midland Credit Management by them failing to properly contact me and in turn I contact them back to verify this debt.

After doing a small bit of online searching I read multiple stories via XXXX and other sites including CFPB about shady practices and debt collections from this company. I do not want to contact them as I think I could be tricked into verifying a debt as mine when it may not be the case.

Ill provide any other information as requested, via email to begin.

Thank you for taking the time to go over this with me XXXX XXXX
Product: Credit card

From XX/XX/XXXX to XX/XX/XXXX, I was employed by Best Buy. At that time, I had never applied for any form of credit or loan ( I opened my first credit card in XX/XX/XXXX ). Months after my departure ( around XXXX XXXX ), I checked my credit report out of curiosity as my credit union just added the feature on their site. 

I noticed a credit inquiry from a bank on XX/XX/XXXX that read " XXXX '' or " CITIBANK NA XXXX BEST BUY '' with the address info " XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX '' and phone " ( XXXX ) XXXX '' ( that expires XX/XX/XXXX ). I was confused, then I remembered Best Buy sold store credit cards. I knew for a fact I never applied myself, as I knew nothing about credit and the process itself was too specific for me to have done it by accident. 

It required you to navigate multiple screens between the Cashier 's POS system and the customer pin pad. You also have to input the customer 's social security number into the pin pad, an entire process I definitely would've remembered. But I was scheduled to work that day and don't recall seeing anyone do anything particularly suspicious. 

On at least XXXX separate occasions between Mid-Late XXXX and XXXX XXXX, I contacted CitiBank, Best Buy, XXXX, and XXXX for XXXX. I requested to know when/where, and how this credit application was created and if it can be removed. Between the XXXX entities listed, no one was able to provide this information and/or stated that they were unaware of what credit application I was referring to. Then I was instructed to call a different person, department, or a separate entity ( like a game of hot potato ). 

To this day, XX/XX/XXXX, the only information I have is what I can see on my credit report. I'm less concerned with wiping the inquiry clean from my credit report, which I still would like, I'm more concerned with how this happened. 

Part of me believes this was done by Best Buy, possibly an employee, in order to satisfy a credit application quota. During my employment ( holiday season hire ), I was a XXXX XXXX XXXX XXXX. I had been being consistently assigned outside of my duty to work as a Cashier/Front End Specialist and made to convince customers to apply for a Best Buy credit card. We were meant to ask/mention in 3 times ( beginning, middle, and end ) of every customer transaction and offer brochures/use them for demos. 

The purpose of this was to work harder to reach/surpass a set daily quota of " apps. '' Everyday working there, you'd hear managers and front end workers talking about getting apps or scrambling to make sure theyre getting on them promptly. I dont outright claim that an intentional fraud was committed, but I strongly suspect it.
Product: Payday loan, title loan, or personal loan

I took out a loan, when into make a payment, and was told that I could increase the amount day with just paying the fees, rather the full payment, In which I did, as I was working a full time and part time job, the part time job was used for approval as well, as I made approximately {$400.00} a week, after getting the increase, the company in which I had the part time position, which paid weekly, merged their company with another company which changed the pay structure, and because the new company was a competitor, and already had their own contractors in place, it changed my income from {$370.00} - {$400.00}. a week, to maybe {$170.00}, if I was able to get on the schedule. I was trying to make payments after being threaten before. My children have voicemails that they have received with information about filing charges, I have voicemail from ACE Cash Express as well, saying they are going to contact my employer, etc. XXXX of my children received calls today, XXXX of my daughters says the number has been calling her phone for two weeks now and she live in an different State.
Product: Credit reporting or other personal consumer reports

I checked my credit report but I noticed that there are accounts inaccurately reporting as mine. Please check the documents I've sent regarding this very serious matter.
Product: Debt collection

this company is reporting fraudulent inaccurate information on my credit report. i have requested that they provide the agreement to show full ownership of such accounts and also other documents so i may review to see if this is actually accounts that belong to me. 

XX/XX/XXXX, amounts {$620.00} tried to dispute by me, company still reporting XX/XX/XXXX, amounts {$640.00} tried to dispute XX/XX/XXXX, amounts {$250.00} no action taken by me, company still reporting XX/XX/XXXX, amounts {$600.00} account closed by company XX/XX/XXXX, amounts {$0.00} transferred to another lender by company XX/XX/XXXX, amounts {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, amounts {$0.00} no action taken by me, company still reporting XX/XX/XXXX, amounts {$25.00} no action taken by me, company still reporting XX/XX/XXXX, amounts {$18.00} no action taken by me, company still reporting XX/XX/XXXX, amounts {$0.00} no action taken by me, company still reporting XX/XX/XXXX, amounts {$0.00} no action taken by me, company still reporting XX/XX/XXXX, amounts {$0.00} no action taken XXXX XX/XX/XXXX, amounts {$0.00} no action taken by me, company still reporting XX/XX/XXXX, amounts {$0.00} closed by XXXX XXXX XX/XX/XXXX XXXX amounts {$0.00} closed by company XX/XX/XXXX, amounts {$0.00} closed by company
Product: Credit card or prepaid card

Ive spent about 3 hours over the last 3 months or so trying to get a fraud charge taken off my Citibank charge card account. 
( Ive called 4 times so far ) They canceled the card & sent me a new card with a new account number. The fraud charge were then put on my new account with the new account number when I received the new statement. I should have a credit of about {$4.00}. On the account, not {$140.00}. Charge. Citibank then added late payment fees & interest fees. Citibank is still asking for a payment for a charge thats not mine. I have been with them for 17 years or so with my personal charge & close to 30 years with a business account. NOT HAPPY
Product: Mortgage

I filed for bankruptcy XXXX XXXX XXXX XXXX. Since that time I have paid my first mortgage on time. I have a second mortgage with the same company ( specialized loan servicing of XXXXXXXX XXXX XXXX ). I no longer was paying on the second as they ceased updating the loan billing and statements. I was under the impression that the amount was deferred until the the end of the loan term, since they were not updating. Today I received an notice of default and intent to foreclose and are asking for all principle, late fees and interest on the second loan in the amount of $ XXXX within 30 days of the letter ( which I didn't receive in mail until over 10 days from the letter date. There has been no indication or messages on my loan on their website. Where I make my payments from. I'm clearly a victim of a zombie mortgage, that now that my home value has increased is ripe for a shakedown. I last made a payment on the second mortgage in XXXX, a few years before filing XXXX XXXX
Product: Debt collection

Credit card Im my name was acquired fraudulently and debit was sold to LVNV Funding collection agency. Spoke with representatives at LVNV and had dispute filed through a credit repair company. I also disputed the account with all 3 bureaus and the dispute met all FCRA requirements. This company is still harassing me for payment and refuses to remove the negative account from my credit reports.
Product: Credit reporting or other personal consumer reports

My personal information is wrong. I keep asking for it to be removed and they remove some or none or add it back saying it's verified. I also filed a complaint with XXXX XXXX because that's who they are getting the wrong information from as well as other 3rd parties and won't tell me. 

Also, ALL 3 CRA 's engage in illegal " Stall Letter '' tactics. Everytime I ask for them to update information, they send letters in the mail asking me to prove my identity. Every correspondence to them has a copy of my drivers license and social security card. This is another reason why I am also a victim of identity theft because if I can not send my information to them and they lie and say they didn't receive it and/or asking for it again, that's a problem. I will be consulting my lawyer if this is not handled in 4 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the following companies has violated my rights. There are inquires on my report, that I did not authorize. 

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. 

XXXX XXXX/ XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX / XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX Dept of XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL I recently received a copy of my ( XXXX, XXXX or XXXX ) consumer report, and I noticed some late payments posted on my consumer report : AMEX Account Number : XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; THE LAW CLEARLY STATES : Transactions between the consumer XXXX XXXX and the person AMERICAN EXPRESS Making the report is not INCLUDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.You have 10 calendar days to update my payment history or delete all late payments from the below account AMEX Account Number : XXXX Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character Negligent Non Compliance Civil Liability Mental Anguish Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Product: Debt collection

account # XXXX and # XXXX has been charged off with Bank Of America, according to the IRS a charged off account is not considered debt it a profit loss for a creditor or financial institution and income for a consumer who can file a 1099 C as well. Bank Of America filed a 1099 C but I the consumer didn't receive a copy of the 1099 C. furthermore a charge off should not be reported as debt on a consumer report because the IRS states that its considered income and income is not reported on a consumer report therefor a creditor or financial institution is committing fraud Furthermore XXXX XXXX XXXX XXXX is trying to collect on an account that has been charged off and deemed as income by the IRS and is considered income and they are also committing fraud.
Product: Student loan

I was contacted by a 3rd party, in which I thought was a government entity, to help me pay down my student loan payments & to consolidate them all to XXXX. I was in the process of getting a car but they could not give me a loan because they saw i had a {$54000.00} student loan that processed in XX/XX/XXXX. I was not aware of this because to my knowledge I thought I had already paid it down and it was reported on my credit as paid in full, stated in the email I received in XX/XX/XXXX. Come to find out the $ XXXX {$1000.00} I spent thinking it was going towards my loan was actually not going towards it at all. I contacted the services who has my loan still showing and told them about what happened & they advised to me that I paid XXXX XXXX party to consolidate my loan when that service it 's actually FREE! I am a recent college graduate & it is so unfortunate and unfair that they scammed me like this knowing I 'm fresh out of school and vulnerable to things like this. I spent $ XXXX- {$1000.00} I did n't have to try and pay my student debt so that I can finally get things such as apartment, cars, or even a good job because now they do credit checks. I am hoping to obtain my money back so I can put it towards what it actually was intended for.