23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Experian  notified me via my membership of a NEW collection acct called XXXX XXXX   XXXX - Amt XXXX There Address XXXX XXXX XXXX XXXX XXXX CA XXXX They List the original creditor is XXXX XXXX and then XXXX XXXX XXXX  in XXXX TX They list this debt to be XXXX ** This is MAIL AND WIRE FRAUD * FRAUD BY DECEPTION - XXXX  and XXXX XXXX Refuse to enter this fraud debt on my reports, EXPERIAN  is the only bureau to report=- Twice I have sent EXPERIAN  an FTC AFFIDAVIT of ID THEFT. 

I ask The CFPB step in and delete this from my Credit Bureau Immediately - I am XXXX, XXXX and have been since XXXX I phoned the manager at XXXX XXXX XXXX and they have no record of a XXXX XXXX XXXX XXXX 

The Stute of Limitations on said debt no matter who it was is expired in Texas This blatant Fraud has cost me thousands of dollars and I will seek legal relief immediately
Product: Debt collection

XX/XX/XXXX I emailed the escalations department of RPM collection agency to inform them I have called and spoke to a representative regarding the account in question that this is not my debt, I have never heard of the company and they don't even have my named spelled correctly. I asked them to send me a validation of this debt, a signed contract etc .... I was emailed back and told they would send me validation of the debt. I received a letter from them on XX/XX/XXXX stating enclosed was the validation of the debt. The only thing enclosed was a current bill, this does not validate the debt. The bill is fraudulent. They have reported this to the credit bureaus and it is now on my credit report as an unpaid debt. I would like someone to assist me with getting this fraudulent account out of my name and off of my credit report.The amount of the bill is {$320.00} and the original creditor is XXXX.
Product: Debt collection

National Check burea and XXXX XXXX XXXX need to be put out of business regarding bad debt issues they are a cancer to American consumers none of money involved was ever borrowed from them they add thirteen percent interest on their investment because they can I say break them fast their causing a very bad life for people in our country
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these acount line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Owed {$110000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am very upset! I have been repairing my credit and viewing the accounts that are listed. Just recently 2 collections accounts were removed from my report, 2 other collection accounts were closed for payment and my credit card utilization decreased from 98 % to 0 %, considering all of this, my credit only increased approx. XXXX points. 

However, just yesterday I check my credit and out of no a medical collection for {$1000.00} is added to my account. An account that I was NEVER notified of prior, no one called or sent letters to inform me of any past due new debt or balances. This ONE medical collection dropped my credit a total of XXXX points!!! XXXX POINTS!!! I do not believe that that is accurate nor fair. The scale is wrong and my credit should not be affected that much! I literally repaired my credit with over 4 things removed and updated and I only got back a few points. I don't understand how ONE medical collection that I was not made aware of before hand could drop my score by so much!!! I AM VERY UPSET AND NEED AN EXPLANATION. This does not add up at all!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX credit card payments been set up to automatically draft from my XXXX  checking account since XXXX. I noticed the XX/XX/XXXX payment had not post. I contacted XXXX immediately on Monday XX/XX/XXXX. I spoke with a rep she apologized there was a XXXX system failure. She reversed the late fees and posted the payment from my checking. She verified future auto payments were not affected beginning XX/XX/XXXX. On XX/XX/XXXX I receya credit alert had taken place on my bureau files indicating a late payment from my XXXX as well as ovet limit after the representative had told me correcting their system area i am not over the limit. This XXXX point dip in my score is causing me significant harm in the middle my home mortgage purchase and closing. I contacted a credit card department manager XXXX at XXXX. She can not reach out to the credit bureau to have this removed nor can she draft a letter stating in the history of my account, for this XX/XX/XXXX payment I have never been late since XXXX or over my limit. She was dismissive and the most deplorable experience since having a relationship with this bank since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit report and noticed information that are in violation under FCRA And TILA ACT are still appearing on my report. I sent out letters to the company over 30 days ago and still havent fixed the issue or they giving me the run around. These accounts are hindering it is keeping from gettin auto Loan or mortgage remove these items from my credit.
Product: Credit card or prepaid card

I updated my autopay ( for second time ) to make certain statement balance was paid ( no left over money due after payment to accrue interest ). The first request, which I made last XXXX, was changed ( without my consent ) to minimum payment autopay. I discovered the issue in XXXX and called immediately to re-establish the statement balance autopay. I then received a letter ( Dated XX/XX/2022 ) stating the statement balance would be applied for autopay. The date of XXXX XXXX effective date was listed on the letter and the amount of the payment ( {$980.00} ) to be automatically paid. ( see image of letter attached to this complaint ) The credit card company ( Barclays USA ) did not make any attempt to collect the payment from my bank on XXXX XXXX I verified the lack of attempt to collect the payment with my bank! ( see attached email from XXXX Banks ) Despite Barclays failing to make any attempt to collect the payment which I authorized, the credit card company reported the account past due, charged me a late fee and interest! ( See attached copies of my Credit Card Statement ) This is the second time Barclays Bank has done this to me!
Product: Student loan

I contacted NelNet that my XXXX XXXX XXXX loan monthly interest payment looked way too high based upon the principle balance ( {$29000.00} ) and interest rate ( 9.08 % ). XXXX on the phone told me to contact the school to confirm the principle balance. I contacted the school and the school told me they did not control the interest amounts. I was tossed back and forth between NelNet and the school multiple times. The school told me that the AD loan total amount is {$59000.00} to account for the spring semester but that has not yet been dispersed. According to the math, the interest on AD is being calculated off of the XXXX XXXX amount not the XXXX XXXX
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam, My name is XXXX XXXX XXXX On XX/XX/XXXX, I transferred an amount of {$1600.00} to XXXX XXXX in XXXX through XXXX, whose US Head office is located at XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MA XXXX. On the said date, my intention was to transfer {$160.00} but ended up sending the above amount. Upon realizing the transaction error, I tried to contact sendwave to no avail. I therefore contacted XXXX in XXXX through my family to reverse the transaction which was effected ( evidence of transfer and reversal is attached to this email ). Because I was having difficulty contacting sendwave, I contacted my bank ( XXXX XXXX XXXX XXXX ) to request a charge back whose action was set in motion. 

I later received an email from sendwave informing me of the suspension of my sendwave account due to it being under investigation to which I replied. On XX/XX/XXXX, I received another email from sendwave to check my XXXX bank statement for the credit of {$1600.00} to my account. I am saying on record now that this money has not and has never been credited to my account as was purported by sendwave. 

Based on the above information, I am writing to your institution for help in retrieving my money from sendwave. Please find attached evidence of traction, reversal and communication with sendwave. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I leased a car from BMW financial services. The lease is for XXXX miles. After XXXX miles the breaks broke. Now they want me to cover the expense. I am particularly frustrated with their strategy to refuse responsibility and move my complaint from department to department.
Product: Debt collection

I just received a letter from Credit Collection Services, XXXX, MA XXXX, saying I owed XXXX XXXX XXXX XXXX {$710.00}. I have been to Florida 3 times : once in college for 4 days, once for a 3 day vacation, and once to help a family member recover from an operation. I live in the XXXX and have never had an account with XXXX XXXX XXXX XXXX. I don't even know who they are. I believe this is a scam.
Product: Debt collection

The credit card collection agency wrote to my address threatening me with a lawsuit and to seize anything in my name for the debt. They portrayed themselves as lawyers and even went so far as to file it with our county courts. I dont owe them I dont have a contract with them. They bought my debt from a credit agency who has since wrote off my debt. In accordance to the law of contracts once a debt is written off its no longer owed. They sold my debt and were paid for it. I dont have a legal contract with midland funding please help.
Product: Checking or savings account

Im one of the victims who use XXXX, the scam refund and denied refund
Product: Debt collection

I am a consumer. There is not a third party representing me. National Credit Adjust inserted this debt on my credit file without ANY notification or communication to me that this debt belongs to me which is a violation of FDCPA code**** section****I DO NOT owe this debt and this company National Credit Adjust has failed to produce any evidence that I am the rightful owner of this debt with them. As an added measure, I have sent proof to this company that I am the victim of fraud and they have ignored my request to delete this information and discontinue reporting to the credit bureaus. This company has used stall tactics by sending documents that I did not ask for. I have asked National Credit Adjust to provide documentation of any information AND a contract with their name containing my original signature with them that I have signed. Additionally, I noticed that the date on the statement sent is from XXXX. This company is reporting that the date of the debt began XXXX of XXXX! The company has received my burden of proof ( attached ) and refuses to produce any evident documentation that I am the owner of this debt with them. These stalls and tactics are impacting and harming my life and the lives of my children and loved ones. As a citizen I would expect the very least and as a veteran I would expect some form of adherence to the laws which I have helped fight for in this country. I am once again demanding that this company immediately delete this information on this debt that I do not owe and discontinue reporting to the credit bureaus as it is not mine.I do not owe them and they are in several violations of the FDCPA. I demand that this company cease all collection of stated debt and report deletion from my credit profile to XXXX, XXXX and XXXX immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I look at my credit weekly due to fraud with someone having same name and DOB as me in same city, now I am seeing a lot of inquires on my credit on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from several companies I have had no contact with nor have any idea who they are and what they be using my ssn number for as I am not needing anything regarding my ssn number. The companies that have illegally used my ssn information is 1. Capital One XX/XX/2020, XXXX XXXX XXXX   XX/XX/2020, XXXX XXXX XX/XX/2020, Capital One XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XXXX XXXX XXXX XX/XX/2020, XXXX XX/XX/2020 and XXXX XXXX XX/XX/2020. I would like these illegal inquries removed immediately as well as documentation showing my id and signature allowing use of my ssn. Furthermore I was working on each one of these days 12 hours and we are not allowed phones on my job which is a little more alarming as to how my credit was ran without my consent or me in person.
Product: Checking or savings account

Hi. For about 6 years I used chime XXXX XXXX as my primary bank account. Just for convenience and personal preference to physical banks. In the 6 years I was with them never had a XXXX taken or money missing. Last year ( XXXX ) my grandpa passed away and left me an inheritance. My grandma dispersed the money to me. Around {$39000.00}. I deposited the funds into my chime bank account. Not knowing the monthly limit was {$25000.00}. Luckily I transferred most of it out to a different bank account I had at the time. However, there was just over XXXX dollars left in the account. On XX/XX/XXXX, my chime account was closed without warning. For the past 2 months I have been calling over and over to be told multiple times that my account was in violation of there terms of service. I was told multiple times in the first several phone calls I made that my money would arrive to me within 30 days of account closure. Once the 30 days had surpassed, I made repeated phone calls asking about my money. I was told every time we are going to escalate your case and a member of chime services will reach out to you which they never did. The last phone call I made to them about a week ago they told me that I will not be refunded my money and that Im basically screwed. Upon further research, chime is technically not a bank but accounts opened through chime are protected by FDIC up to XXXX XXXX dollars. Like I said previously, the money I received was an inheritance. And I can prove it with records and my grandma has further proof of the transfers and can verify everything that I am saying. All my money is legit. At this point I dont even really care about the XXXX XXXX  I would just like to stick one to chime after 6 years of loyalty to be treated like this. So yes, I want my money back. Please help and thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX XXXX XXXX XXXX & XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX On XXXX XXXX XXXX XXXX XXXX for Insurance underwriting On behalf XXXX XXXX XXXX XXXX XXXX for Insurance underwriting XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NV XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX 
Inquired on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX, XXXX IN XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX in accordance with the Fair Credit Reporting act all these companies, have 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

Today XX/XX/2022 I am trying to lock down my credit. 
Re : https : //usa.experian.com/member/protection The website should be there to serve the consumer. 
Instead, I can not figure out how to lock my report and disallow others to gain access. I am a master 's level XXXX XXXX and this should not be this hard. The company is being deceptive and pushing a paid service with add-ons when the free service can not be found. Please help resolve this issue so that I can freeze my credit without paying a fee. 

XXXX XXXX
Product: Mortgage

I have requested from the company ( Home Direct Mortgage ) two times already for the original " Note '' that I signed stating that it was paid off sent to me. It has been over a month and a half and I still do not have the original. This document is with the same company I originally signed the mortgage with and that stated to me that they do not send out the original back to the mortgagee. This is quite strange to me since I used to work for one of the largest mortgage companies in the country and if a customer requested the original back when they paid it in full we always sent it back. I just received the original from XXXX on my current house so I don't understand this company Home Direct Mortgage not sending me the original since it has been paid in full back in XXXX. I took out the loan only 4 years ago where is the original paperwork?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of Identity Theft and did not make the changes to my credit profile. I ask that the items be deleted to correct my credit profile. 

I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the FTC Affidavit. Please delete as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX. XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXXXXXX 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 or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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: Debt collection

For the past 6 months at least, with the most recent coming this morning ( XX/XX/2018 ), we have been plagued with calls from XXXX XXXX XXXX. I DO NOT answer calls from unknown numbers, & we are, or should still be, on the NO CALL list. The Caller ID simply showed " Leading Edge '', but no further info. I googled that, with no satisfaction as to who or what Leading Edge is. NO MESSAGES on our answering machine were ever left previously. We chalked these up to nuisance calls. However, this morning a message WAS left. We did not get the complete company name, but XXXX XXXX XXXX is close. We could make out the XXXX XXXX. 
WE WANT THESE CALLS STOPPED!!!!! We believe this company is off-shore as well as bogus. 
Thank you.
Product: Credit card

I received a letter from Citibank on XXXX/XXXX/2015 stating that my Home Depot Credit Card was overdue and that the original charge made in XXXX, 2015 was for XXXX. Now with late fees it was {$220.00}. and some odd cents with late fees. 
I immediately contacted the number on the back my Home Depot Credit card to see what was going on. I did not remember owing Home Depot anything. I asked for a copy of the original receipt that I signed or copies of the bills that I supposedly received by email. They said I had opted to get my statements by email. They told me I would have to contact Home Depot for that. I contacted Home Depot and they told me to contact Citibank. So then I contacted the office number on the letter I received from Citibank. They told me that they could only remove one months late fees and I talked to a manager and he told me the same thing. So I paid {$180.00} that very day to clear this up immediately. 
1. I did not recognize Citibank as a credit card that I had when I kept getting calls from them. 
2. My husband checked on-line about these calls and saw that these were Home Depot credit cards and they had been hacked so he informed me to ignore what I thought were robocalls. 
3. I did receive copies of statements and the original receipt about a week later, but no copies of emails they supposedly sent. No alerts by email. In the meantime I wrote to the CEO, President of Citibank but have not heard back. 
4. I have issue with the fact that it took 5 months for them to contact me by mail regarding this account being overdue. One way to collect a lot of late fees in my opinion.