23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Midland Credit is attempting to collect on a debt of {$11000.00} that does not exist.since XXXX. 
Midland Credit has served papers in a XXXX XXXX Court in an attempt to sue for debt that was settled and removed by original creditor I've attached the original complaint/request from XX/XX/XXXX advising this company was illegally reporting a debt that was not valid and they have continued to defame and violate FRCA laws without consequences.
Product: Debt collection

The collections agency named Resurgent which works for Lvnv, or XXXX XXXX, or XXXX ( they play football with consumer debt ) fails to settle with me when I make a reasonable offer, and i have called and Emailed them numerous times. They act like bullies. I need this off of my records since i am unable to rent an apartment and might become homeless accordingly. Why is it so hard to get rid of this. Please help. I can make a XXXX dollar payment. 

Out of all my CC debts this specific collections agency makes sure the debt is highlighted and shows at the top of credit report as a derogatory mark. They dont pause or remove it even when you dispute.
Product: Checking or savings account

BBVA compass refused to honor {$200.00} signup bonus for opening a checking account and establishing eligible direct deposit. 

BBVA ran a promotion in XX/XX/2017. The detail of the promotion is : " BBVA Compass is offering a bonus of {$200.00} when you open a new checking account and complete the following requirements : Receive a direct deposit of at least {$300.00} within 60 days of account opening. '' I opened an checking account on XX/XX/XXXX and got the email on the same day. I set up direct deposit. For example, a direct deposit of {$5400.00} from my employer was successfully deposited on XX/XX/XXXX ( CREDIT FOR XXXX XXXX XXXX ). However, I have never received any {$200.00} bonus up to date. I've reached out to the customer service and talked to a supervisor ( XXXX XXXX ),  but she claimed that I am not eligible. 

Thus, I am filing this complaint, and I hope CFPB will be soon aware of this. Thank you very much.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$410.00} 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the Credit Buerure to do an investigation and they did and they said it was all verified. I did my own through investigation and found things to be inaccurate and not correct. I did this after their investigation. 




Name of Account/Account Number XXXX XXXX XXXXXXXX Cancel contract. Please provide the original contract or delete XXXX XXXX Cancel contract. Please provide the original contract or delete. 

XXXX XXXX Cancel contract. Please provide the original contract or delete XXXX Cancel contract. Please provide the original contract or delete XXXX Cancel contract. Please provide the original Contract or delete. 

XXXX XXXXXXXX Cancel contract. Please provide the original contract or delete. 

XXXX XXXXXXXX Cancel contact. Please provide the original contract or delete. 

XXXX Cancel contract. Please provide the original contract or delete. 

XXXX XXXX Cancel contract. Please provide the original contract or delete. 

XXXX XXXX XXXX Cancel contract. Please provide the original contract or delete. 

XXXX XXXX XXXX XXXX Cancel contract. Please provide the original contract or delete. 

XXXX XXXX XXXX Cancel contract. Please provide the original contrast or delete. 


In acceptance with the Fair Credit Reporting ACT and XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 ( A ) states that I have the right to privacy 15 U.S. C. section 604 ( A ) also state that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This all started with a new car loan this XXXX. After obtaining the loan I requested a copy of the credit report used by the lender. When I received the report and reviewed it, I found errors reported by XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX loan XXXX. ) Specifically, the date of last payment and the date account closed is wrong ( should have closed XXXX ), and the detail seems to suggest that the loan was 120 days or more past due. I complained to Equifax three times. On the third time, they sent the complaint to XXXX XXXX XXXX XXXX. None of the items were corrected and they added a new delinquency for 180 days or more late. Attached are the latest results from the dispute as provided from Equifax and a letter from XXXX XXXX XXXX XXXX proving that I paid the loan off in XXXX 2011. The loan originated in XXXX 2011, so there is no possible way this loan was open on XXXX and no possible way this loan was ever 120 days or more past due. During this process I spoke, via phone, directly with XXXX XXXX XXXX XXXX. The person I spoke to told me the loan was not properly closed when I made the XXXX payment. This error has to be corrected. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get a XXXX  with 0 % interest but the auto dealers who are middle men between me and finance companies try to cheat me. What are the requirements to get 0 % interest? Without the dealer making extra money from points off my loan.
Product: Credit reporting or other personal consumer reports

This person was a roommate stole all my information open up all these accounts without my knowledge. All the accounts below are fraud and the person i listed in the police report stole my identity PLEASE REMOVE THESE FROM MY FILE PER THE FAIR CREDIT REPORTING ACT THE SUSPECT WHO STOLE MY IDENTITY IS XXXX XXXX WHO IS CURRENTLY IN XXXX XXXX XXXX SYSTEM I HAVE MADE A POLICE REPORT AS WELL XXXX XXXX XXXX ACCOUNT XXXX AMOUNT {$11000.00} XXXX XXXX XXXX ACCOUNT XXXX AMOUNT {$5000.00} XXXX XXXX ACCOUNT XXXX AMOUNT {$4300.00} XXXX XXXX  ACCOUNT XXXX AMOUNT XXXX XXXXXXXX XXXX ACCOUNT XXXX AMOUNT {$510.00} XXXX XXXX XXXX XXXX XXXX XXXX ) ACCOUNT XXXX AMOUNT {$65.00}
Product: Debt collection

PayPal has sent out debt collection under my name. I worked with a client who purchased an expensive item from me. She then reported that her card was frauded. PayPal issued her a refund saying that she returned the item to me yet I never received the item. PayPal then charged me for the purchase as I received an empty box. The customer ended up disputing the charge and took the item then returned it empty. She basically stole the item and now I am being charged for it. 
Now the purchase is in collections and is affecting my credit. I need this removed immediately and issued a full refund. PayPal has also garnished my wages of other items I have received payments for. I spoke to a representative in the beginning of XX/XX/XXXX who put in the dispute and explained that I would receive an info letter within 4 days of the call. I still have not received anything and its been almost a month since.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2019 an single application was submitted for credit. An inquiry was authorized and my XXXX pulled. I was informed that the application was under review. The next day I contacted Chase and was told that the application was denied. I was told by the representative that I could be transferred to the reconsideration department. I informed the representative that would be fine. Upon speaking with the representative at no time was I ever informed by the representative and I did not authorize the pull of my XXXX report which resulted in a un authorized inquiry on my XXXX report. When I was notified by XXXX that Chase had pulled my report I contact the phone number that was on my credit report. I spoke with a representative and explained that I did not authorize a second pull on my credit report for reconsideration of the denied application and I was never informed that this would be taking place. I was advised that they would investigate and provided me a call back. Which never happened. I have received no correspondence from this creditor at all related to the denied application or the investigation into the the unauthorized pull of my XXXX report.
Product: Debt collection

debt was paid and banner sent this company an email via XXXX who is an accounts manager that this account is paid in full.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, ( XXXX, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX ) I am Attaching identity and proof of address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I abtain a loan from this company United Credit back in XX/XX/XXXX My home burned down and I lost my job in XX/XX/XXXX so I wasn't able to pay back the loan so they charged it off as bad debt so fast foward to XXXX XXXX I received my anually credit report and noticed United Credit has been pulling a hard inquire of my credit for the past year and something every two month they have pulled it starting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,, XX/XX/XXXX, XX/XX/XXXX they are trying to ruin my credit I did not arthorize them to pull my credit this is illegal!! I have not heard or spoken to United Credit since XX/XX/XXXX this is not right and is against the law!!
Product: Money transfer, virtual currency, or money service

attempted to help. I did not note the agent 's name. The agent asked if he could call. I agreed. On the phone the agent had me download an app called XXXX XXXX. The agent explained this was one of the procedures Cash App employed to better serve it, clients. The app lets an agent see was the client sees. The agent said, " in order to unlock your account type this in and hit enter ''. I did as instructed, Belatedly I realized I had typed in the procedure Cash App uses to wire funds, a cash tag followed by a numbered amount. I confirmed with the agent whether I had wired funds. The agent said not really because the funds went to a Cash App dummy account and would be reversed back into my account in a few hours. I was not happy and protested the agent 's actions. I was uncomfortable using the App after that and choose instead to wire through XXXX. The next morning the money still was not in my account. I tried customer service via the app and received no response, unlike before. There was no other form of contact available to save the email. I wanted the money situation addressed quickly before the transaction was completed. I wanted a live person to intercede immediately. I went to the web and found a number for Cash App. I called and asked for a manager. XXXX XXXX identified himself as a manager. I explain that an agent from cash app deducted funds and I wanted them back. Mr. XXXX assured me he would get the funds back but he too had to verify I was authorized to access the account. The authorization process was the same. I bulked. But wanted the funds back. Mr. XXXX did not use the same hashtag method but he named a series of numbers that ended up being deductions totaling {$3500.00}. Cash App has stopped responding to me or my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inaccurate addresses appearing on my Experian and XXXX XXXX credit report. 
the address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nv XXXX This address doesn't even actually exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX infiniti fin svcs # XXXX U.S.C 1681 section 602 A. States I have the right to privacy.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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

YES MY NAME IS XXXX XXXX AND I AM A VICTIM OF FRAUD THE FOLLOWING ACCOUNTS ARE REPORTING INACCURATELY ON XXXX, EXPERIAN AND XXXX I HAVE REACHED OUT TO ALL THREE WITH NO PROPER RESPONSE AND I HAVE REACHED OUT TO THE BANKS INWHICH THEY ALL SAID ITS UP TO THE CREDIT BUREAUS THE ACCOUNTS ARE ALL CREDIT CARDS FROM FRAUD AND THEY ARE XXXX XXXX ACCOUNT # XXXX AMOUNT {$7500.00}, XXXX XXXX  # XXXX AMOUNT {$6100.00} AND XXXX XXXX  {$3200.00} ACCOUNT # UNKNOWN BUT IT WAS OPENED XX/XX/2016 AND THE OTHER ACCOUNTS WERE OPENED XX/XX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXX/XX/XXXXAccount numberXXXX  {$1000.00} XXXXXXXX XXXX XXXXXXXX {$600.00} XXXX XXXXXXXX {$720.00} Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My consumer right has been violated according to 15 us code 1681 .... inaccurate which should be deleted immediately...
Product: Debt collection

Repeated robo calls from Harris and Harris Ltd XX/XX/XXXX XXXX : XXXX XXXX from XXXX XXXX XX/XX/XXXX at XXXX XXXX from XXXX XXXX XX/XX/XXXX from XXXX XXXX and that's just this week My FICO score is in the 800 's I have no medical bills I have no debt except a small mortgage
Product: Credit reporting or other personal consumer reports

Delete the account below : Equifax : 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: Money transfer, virtual currency, or money service

This is from official documents of XXXX XXXX  XXXX XXXX ( my bank in XXXX ). XXXX XXXX  XXXX XXXX transferred my money to Bank of New York via two drafts, draft # XXXX for {$40000.00} and another draft # XXXX for {$20000.00}. Both the drafts were reconciled with debit to XXXXXXXX XXXX XXXXXXXX XXXX XXXX account by Bank of New York. I was not aware of these transfers and I never claimed my money from Bank of New York. My money is still with Bank of New York and I am trying to claim the funds. I tried many times to contact Bank of New York to get help from foreign transactions department but could not get through the recording and never could get a live person to explain my case. I do not know who should I contact in this mattter with Bank of New York to get help on this matter and get reimbursement. What can I do to get my money from Bank of New York? 
Please help me. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX  XXXX XXXX XX/XX/2022 ; XXXXXXXX XXXX XXXXXXXX  XX/XX/2022
Product: Credit card

This is XXXX XXXX I got a capital card or something on my account and I ain't got a capital card or did anything with capital
Product: Credit reporting or other personal consumer reports

The information on my credit report is incorrect and I advised the company to respond to my letters but they keep ignoring my request. Please update my credit report accordingly and delete the negative items.
Product: Mortgage

In XX/XX/XXXX my mortage with XXXX was transferred to Greentree. Starting late in XX/XX/XXXX I was almost forced on a modification by Greentree. I denied the modification and was harassed and called repeatedly by Greentree servicing agents. I almost lost my home due to the XXXX. I was called XXXX times in XXXX day alone the end of XX/XX/XXXX about a past due payment. I would like to be included in the class action settlement so could you please give me some information about how to go about that. To this day I am paying an additional {$3.00} for a " servicing fee '' on my bill which they have not yet explained.
Product: Mortgage

Suntrust Mortgage/Suntrust Bank - I sold a home and paid in full in XX/XX/2018 and updated my forwarding address. To date I have not received formal closing paperwork nor tax documents. The system no longer allows me to access personal loan data on line and I am unable to reach anyone by phone.
Product: Credit card

On XX/XX/XXXX I applied through a merchant, plunge.com, advertising 24 month 0 % financing through their partner Bread Financial. The application process solicited my name, date of birth, address, SSN, and notified me of a soft credit pull. My XXXX XXXX XXXX was pulled at XXXX. 

After submitting the application, Bread asked to verify my id by uploading a valid state identification card. I uploaded my valid DL and submitted. It said it needed additional information to verify my identity and to call a #. I called, answered verification questions correctly, and they said they would make a decision within 3 days. 

I then received a notification that my application was denied because Bread was unable to verify my identification. I asked my business partner to apply for the same financing and he was denied for an : Unable to verify identification as well. 

I reapplied and again was asked to upload my id, which I did, and was told I needed to call to verify my id. I called again and they stated that I could not reapply for another 30 days after a credit decision was made, yet they could not disclose if or how that policy was communicated to the public and it was not disclosed in any of the emails sent by Bread financial. They also still pulled my credit again and communicated that my application was in process. 

As a publicly traded company XXXX disclosed in their XXXX XXXX investor presentation that they anticipated a higher interest rate environment and a deteriorating ability of the consumer to service their debt. They highlighted their need to generate more interest producing assets and decrease their net loss ratio. I believe that Bread has statistically significantly increased their denial rate for 0 % products under any pretense to limit their exposure to non interest bearing assets while still advertising 0 % financing for customer acquisition purposes. If Bread can no longer charge retroactive late fees and interest, the 0 % financing products are no longer financially feasible for the bank but need to be continually offered to the customer as a bank differentiating product. 

https : XXXX
Product: Checking or savings account

A banking error/fee problem exists with legally established guardianship account, I am the legally appointed guardian on said account. Unknown to me, on or about XX/XX/XXXX, the banking institution decided to place a block on the account, preventing account transactions. The banking institution is already aware that the individual listed on the account ( XXXX XXXX XXXX ) has passed on XX/XX/XXXX. On or about, XX/XX/XXXX, a monthly pension payment was deposited in the aforementioned account. The union has attempted to recoup this payment made by mistake to this account, however, has been unsuccessful due to the block placed on the account. On or about, XX/XX/XXXX, the banking institution has started charging a $ XXXX   monthly fee based on minimum balance requirements not being met. Be advised, that since the primary account holder has been deceased that this amount needs to be refunded. Further, service charges should not post to the account.
Product: Credit card

On XX/XX/2024 I made a payment to include the full balance owed on my XXXX XXXX XXXX credit card. I called to make the payment as I was unable to access my account through the online link provided on my statement email. I paid the full amount owed as per the representative on the phone. On XX/XX/2024 XXXX XXXX XXXX ( XXXX XXXX  ) charged a {$42.00} late fee to my account. That notification went to my email spam folder, and I did not see it. They proceeded to charge me late fees and interest until I was notified by my credit reporting agency that I had a card that was 90 days delinquent. The total amount accrued was in the amount of {$220.00}. I had been sent to collections and my credit score was effected by their inability to notify me. They made no attempt to call me by phone and did not send a paper record of the fees or the delinquency. The full amount owed was paid. The amount charged exceeds the new law which was passed that limit late fee charges to {$8.00}. I was not notified that any late fees would be charged to my credit card when my initial payment was made. The initial payment was also made less than 30 days from the billing statement as well.
Product: Debt collection

Debt is not valid. I do n't have a contract with collection agency. I keep disputing and they keep sending me letters saying the debt is mine.
Product: Debt collection

On XX/XX/2018, I sent Ad Astra Recovery Service a second letter regarding them verifying that a debt in the amount of {$330.00} belongs to me. They never validated the debt was mine according to the Fair Debt Collection Practices Act. The are falsely reporting this collection item on my XXXX and XXXX credit report. They only provided a print out of an itemized billing statement that does not have my signature on it. The FTC has issued an opinion letter on this subject and concludes that an itemized printout does not represent verification the debt belongs to me. They are falsifying information on my credit report, in which is illegal practices to me as a consumer. I asked this collection agency for the original contract I physically signed, that supposedly agree to the terms for the account and they never sent these records at all. I demanded proof or validation according to Fair Debt Collection Practice Act, and they never responded to me. This debt is unlawfully being reported on my credit report. I don't owe this debt and it should be deleted from my credit report.