23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have contacted  Credit Protection Association r egarding an alleged bright house bill that is appearing on my credit report. When I spoke to the representative regarding the bill, they had an address I have never lived that and a different social security number than mine. They refuse to correct this error and continue to attempt to collect this debt, even after notifying them they have misidentified the  XXXX   XXXX  they are looking for.     Accounts are reporting as follows : CREDIT PROTECTION Agency Address :  XXXX   XXXX   XXXX   XXXX ,  XXXX  Date Reported :  XXXX  Date Assigned :  XXXX  Creditor Classification : Cable/Cellular Original Creditor :  XXXX    XXXX   XXXX   Account Number :  XXXX  CREDIT PROTECTION Agency Address :  XXXX   XXXX   XXXX   XXXX ,  XXXX  Date Reported :  XXXX  Date Assigned :  XXXX  Creditor Classification : Cable/Cellular Original Creditor :  XXXX    XXXX     XXXX  Account Number :  XXXX  Account Owner : Individual Account.   Original Amount Owned : {$220.00} Date o f 1 st De linquency :  XXXX  Balance Date :  XXXX  Balance Owned : {$220.00} CREDIT PROTECTION Agency Address :  XXXX   XXXX   XXXX   XXXX ,  XXXX  Date Reported :  XXXX  Date Assigned :  XXXX  Creditor Classification : Cable/Cellular Original Creditor :  XXXX    XXXX   XXXX   Account Number :  XXXX  Account Owner : Individual Account.   Original Amount Owned : {$220.00} Date  of 1 st Del inquency :  XXXX  Balance Date :  XXXX  Balance Owned : {$220.00}
Product: Credit card

i have a sears master card which i have not used in many years recd a invoice with a XXXX XXXX dollar charged for phone services fir an inmate in al. told sears the whole story also told them account was breached or hacked close it and i never use it got a letter saying i dont have to pay the min balance due really im in mass. not Alabama still have not closed my account i wanted to know if this was a breach and my info was stolen still have not heared people should know of this if it was a breach
Product: Credit reporting or other personal consumer reports

Credit Acceptance Corporation ( CAC ) has engaged in predatory lending practices, fraudulent credit reporting, and willful violations of the Fair Credit Reporting Act ( FCRA ). Despite consumer disputes, CAC continues to misreport loan information and manipulate consumer credit profiles to justify excessive interest rates and unlawful collection tactics.

CAC has : Falsified consumer risk factors to charge higher-than-justified interest rates.

Misrepresented paid loans as delinquent, harming consumer credit scores.

Ignored consumer disputes, violating FCRA 15 U.S.C. 1681i ( a ).

Used deceptive lending practices, leading to financial distress for consumers.

Supporting Evidence : Consumers charged excessive interest based on manipulated risk factors.

Failure to correct erroneous credit data upon consumer disputes.

Evidence of CAC systematically misclassifying loan payments to harm creditworthiness.

Harm & Damages : Denied Auto Financing & Higher Loan Costs due to fraudulent credit reporting.

Misrepresentation of Risk Profiles, forcing consumers into predatory loan agreements. 

Emotional & Financial Distress caused by CACs deception and misreporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX the months of XXXX XXXX XXXX XXXX XXXX  late payments reported improperly and incorrectly. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I contacted XXXX, Equifax and XXXX to request deletion of this inaccurate data from my Credit History Report, but they have refused. They insist that your company claims this information to be accurately reported. This is not true! 
I am enclosing the following documentation to support my claim that the information you have reported is not correct : This negative mark is damaging to my credit. Please contact XXXX, Equifax and XXXX XXXX immediately to remove this information from my credit file.
Product: Credit reporting, credit repair services, 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 are found to be opened 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 ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX Balance : {$2500.00}XXXX XXXX XXXXXXXX Balance : {$760.00}, XXXX XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1300.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$690.00}, XXXX  XXXX Balance : {$3200.00}, XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I need to complain about multiple behaviors. First and foremost, the debt was not owed! That said, they engaged in the the following behaviors : ( a ) Made harassing phone calls including threats and profanity ( b ) been unwilling to provide actual details about the amounts owed or from where the original debt arose from ( c ) offered no way to dispute the debt ( d ) said they were lawyers ( e ) never sent written information This firm is a set of crooks. There is not even an attempt to seem like a reasonable, honest or forthright firm. This is the kind of firm the CFPB was established to investigate and penalize. 

The firm is called Creditors Specialty Services , Inc. in XXXX California. 

They claim to be associated with the following attorneys -- XXXX XXXX There is no way to call them directly or discuss a dispute because they have no business other than harassment.
Product: Debt collection

I had a XXXX Credit card that was included in a discharged bankruptcy. I accidentally made a payment to that closed account through online banking. I am XXXX and sometimes have trouble with my eyes. After the money was taken from my account I spoke to the bank and found out what happened. I immediately contacted XXXX and was told that Resurgent Capital Services was had the account. I contacted them and was told that they had not received the money from XXXX yet but that I would need to fax a refund request to them. The funds came out of my account on XXXX/XXXX/15 and I faxed my request for refund on XXXX/XXXX/15. I made numerous follow-up call checking the status of the refund. I was finally told that the funds were received from XXXX and that in order to process the refund that I need to fax proof that the funds had been taken out of my bank account. I faxed a copy of my bank statement showing the debit on XXXX/XXXX/15. I called back a few days later and was told that it had to be sent to a supervisor to process. I continued to call and was told that they would email the supervisor to follow up. On XXXX/XXXX/15 I called and was told that usually any payments received are considered voluntary payments and may not be refunded. I explained that I a m XXXX and on a limited income and that this was part of a bankruptcy that was discharged and that the debt was no longer owed and that I had received my form to show the bad debt on my taxes and that I would not make payment for a debt I no longer owed! I was to that a follow up email would be sent and to call back on XXXX/XXXX/15. I called back to find out when the refund would be made and was told that the supervisor said that it would be considered a voluntary payment unless I could prove that a third party made it. I asked to speak to the supervisor and was told that she was busy helping another customer but that she would send her an email letting her know that I would like to speak to her. I was transferred to a voice mail and left a request for a return call. I have not received a call back and based on the past 2 moths experience has no confidence that I will hear from anyone at the company. 
I have been mislead the entire time and forced to disclose my personal information in an effort to recover money that XXXX nor this company is entitled to as the debt has been charged off and cancelled by the discharged bankruptcy.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX all ran my credit without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting false and inaccurate information on my consumer credit report. In violation of Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence or a complete and thorough investigation. This practice is in violation to the Fair Credit Reporting Act ( FCRA ), 15 U.S. C 1681i, which mandates a reasonable investigation of any disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hi there, Sub : XXXX XXXX XXXX XXXX  XXXX causes trouble for my personal checking account. 

XXXX has been my bank account for many years. The recent merger and move of my accounts to XXXX XXXX  has been fraught with problems. For a start XXXX XXXX  has high charges for maintaining an account with them. 
I am trying to close the account. The related problems I face unable to close cause great mental duress. I am unable to contact any customer service personnel to speak or go to a branch, since they closed the branches near me. 

Their customer service help line is non existent. I spent more that 3 hours listening to music. I am anxious that they will keep charging me a maintenance fee for no service. 
Please assist me in closing this account. 
I will be glad to provide additional details as required.
Product: Payday loan, title loan, personal loan, or advance loan

I apply for a loan online from a online agent. Explore Credit sent me a loan offer. I had to click on to the e doc to see what the offer was. After see the high interest rate i decided that this loan was not for me. Explore Credit kept sending me text message above signing the loan documents and sending the XXXX  months bank statements in which i did not. After a week i received a text that i had been funded. I call them and told them i did not sign any documents for a loan and did not want that loan. Also told them to cancel any application they had on me. They funded the account anyway without any consent from me. The account has been overdrawn for awhile so all payments on there so call payment plan of XXXX  months with adds up to over {$7000.00} has been returned by the bank. {$1200.00} was funded by them. I told them i would give them back there {$1200.00}. Nkw they are calling it a buy back of over {$2300.00}. So in short i was forced into a unwanted loan and now being charged a very high intersted rate on it. I do not have any documents on this funding. Only saved text comunications.
Product: Mortgage

My loan was originally serviced by XXXX XXXX XXXX and recently was taken back by Mid America Mortgage. In early XXXX, I sent a check for {$500.00} to XXXX, not aware that Mid America had taken control of the loan, in which the check was returned to me, stating that it was not half of the full amt due. I was not made aware of any specific amt due at that time, when I sent the payment, and wasn't even aware that Mid America had taken control of the account. The letter was dated XX/XX/2019. After receiving the noticed, I then received another letter from XXXX XXXX stating that I was now in default with Mid America Mortgage, and to cure my account I needed to send {$1400.00} to Mid America Mtg , Inc. at XXXX. XXXX XXXX XXXX, Tx. XXXX, by XX/XX/2019. I also have another letter dated XX/XX/XXXX, " Notice of Servicing Transfer, '' stating that all payments after XX/XX/2019, must be sent to the XXXX, Tx address. On XX/XX/2019, a check for {$1400.00}, amount due to cure my mortgage was sent to Mid America Mtg , Inc. at XXXX. XXXX XXXX XXXX, Tx. XXXX. As of this date, the money still sits in my bank, and no attempts by Mid America Mtg to retrieve the funds to cure my mtg payments. I have made numerous attempts to contact Mid America Mtg and all I get is an ROBO voice placing me on hold and saying to hold on for the next representative. I have sat on hold for as much as 3 hours at a time, waiting for someone to speak with, and yet no live person answers. I have called the XXXX, the original and all they tell me is that the loan was transferred back to Mid America Mtg and that they have the same phone number for them, as I do. I have tried all the contact numbers I have found on the web for Mid America Mtg, and I get the same response, no live person only a robo answering. I am at a total dismay, for I am afraid that because of their not taking calls, that they will try and foreclose on my home, and then I will be become homeless, along with my XXXX mother, who relies on me for a place to live. I also researched the reviews against Mid American Mtg, and I am not the only person having issues. There are numerous reviews filed by unpleasant customers of theirs. I hope that you can help me, for I am doing everything possible to make my payments, and because Mid America isn't doing their jobs, they will possibly cause myself along with other homeowners to lose their homes. Also, when trying to create an online account with them, their site isn't working as well. I also have not ever received my new loan package from Mid America Mtg, so I don't even have my new loan number. Thank you 4
Product: Credit reporting

I was involved in the XXXX breach. The surveillance company, XXXX, we were given to enroll in informed me that a collections was entered on my credit report. I told them it was not mine and they investigated. In XXXX they deemed it to be fraudulent and disputed it on my behalf with the credit bureaus. XXXX told me to check in XXXX and that it should be expunged from my reports -- it is still there. They say that they can not do anything else. Can you help me get it removed -- it is effecting my credit score.
Product: Debt collection

After numerous efforts to correct the amount owed with XXXX ( XXXX XXXX XXXX ) for the amount owed for services after canceling internet, there was not an agreed amount to close the account. XXXX  continued to send billing statements for an amount that was not considerate of their own delays in canceling services when first requested and is detailed in a FTC complaint filed awaiting response. Enhanced Recovery Company ( ERC ) has since proceeded to demand further amounts above XXXX fees. On XX/XX/20 I had called XXXX XXXX to discuss the matter from which they could not resolve but did proceed to file the credit impacts to my scores from which should not occur due to the circumstances leading into this event. The representative did not even discuss options nor try to resolve the issue. These credit impacts need to be reversed immediately until XXXX ( XXXX XXXX XXXX ) corrects fees attributed to their poor customer service and delays in responding to cancellation activities
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from this account. Block and remove it. 
XXXX XXXX Balance : {$130.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Chexsystem has posted wrong information to my report and refused to remove it has not sent me proof that the information is correct nor has it given me a chance to give any way to call them to speak to a human to work out the wrong information
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has yet to remove the account I Opted-out of on XXXX XXXX XXXX Please delete this account as it is hindering me and my family financially.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Called the " three '' credit reporting agencies and have reported to them my most up to date information and they continue to have multiple addresses that I have no relation with on my credit report and weird invalid phone numbers! 

I have spoken to a human from all " Three '' and have received robotic irrelevant responses thus far from the credit report agencies via USPS..

When it comes to my credit ; a human should be working and hopefully my letter ( s ) haven't been thrown thru a automated machine.. Things have been validated when things are absolutely invalid and wrong/incorrect ... 

When I have disputed Hard Credit Inquiries I have received letters explaining what they are and not upholding my rights and actually investigating the inquires. I'm tempting to sue the " Big Three '' for I feel I'm not being taken seriously as a consumer and VERY unhappy with them not following the RULES and the LAW!
Product: Credit reporting or other personal consumer reports

I am writing to report instances of identity theft and inaccuracies on my credit report. My name is XXXX XXXX, and I am gravely concerned about the false information associated with my identity. Despite repeated requests, the following erroneous entries persist : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This marks the third occasion I am formally addressing this issue. As a consumer protected by the Fair Credit Reporting Act ( FCRA ), I am exercising my right to opt out of any and all authorizations, whether explicit or implied, as stipulated by 15 USC 6802. 

Furthermore, I wish to clarify that the address listed as XXXX XXXX XXXX XXXX XXXX SC XXXX is not mine ; it is a non-mailable address. I demand an explanation regarding the origin of this address, as its inclusion violates my rights under the Privacy Act of 1974. 

The entry pertaining to DEPT OF ED/XXXX, opened on XX/XX/XXXX and XX/XX/XXXX, is in direct violation of the Family Educational Rights and Privacy Act ( FERPA ) , as outlined in 20 USC 1232 and 34 CFR 99. 

Moreover, I affirm that I have no association with XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX. According to the Internal Revenue Service ( IRS ), reporting transaction history is unlawful. Additionally, any charge-off or collection must not be reported as income on my credit report. These entities have unlawfully utilized my Social Security Number ( SSN ), contravening the provisions of 5 USC 522a. 

XXXX and XXXX XXXX XXXX have breached 15 USC 1681 by disregarding permissible purposes. 

I am hereby requesting prompt action to rectify these inaccuracies and eradicate any trace of fraudulent activity from my credit report.
Product: Credit reporting or other personal consumer reports

This afternoon, I discovered unauthorized inquiries on my credit report and am unsure why they appeared. I routinely check my report, but this time, unexpected discrepancies surfaced. I even refreshed my browser, hoping it was a glitch, but the inquiries remained. Im extremely disappointed and frustrated and urgently request that my submitted documents be reviewed carefully to resolve this issue permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint against Transunion for reporting inaccurate information on the listed accounts below. I believe the bureau is violating Section 611 of the FCRA for reporting false information which is damaging my credit and causing me emotional and physical stress. Additionally, the accounts were already closed and the banks have agreed to remove the accounts from my file. I need TRANSUNION to provide me with verifiable proof or documentation demonstrating that the information they have is accurate. Failure to comply with the request should result in the removal of the items. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Product: Checking or savings account

Our account was frozen on XX/XX/XXXX after wiring {$50000.00} to pay the title company for closing costs on our first home. My husband and I called XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The XX/XX/XXXX call was with XXXX, from XXXX. Told me to call back in 35 minutes when the department that handles my concerns opens. Called back an hour later and spoke with XXXX, XXXX XXXX to see if direct deposits from our employers were still being accepted because it wasn't showing up and it usually shows up. She confirmed that our direct deposits should be going through and transferred me to a specialist. Specialist was XXXX, who said that we can not receive our paychecks directly deposited into our accounts. Had a nearly identical conversation to the one I had on XX/XX/XXXX. I was asked to verify my identity via my phone number, placed on hold. 

We feel unsafe and vulnerable after the biggest financial event in our lives so far. I was also surprised that Marcus and Goldman Sachs REFUSES to be more transparent as to why they can not verify our identity without us taking time off work and doing free labor for them via a notarized certificate of identity - the representatives refused to share with us what the concerns are with our account, refused to let me speak to a supervisor, and refused to offer any explanations. Therefore I am asking the CFPB to put Goldman Sachs in their place
Product: Debt collection

Dear Madam/Sir, CFPB : This important matter is in regards to a letter dated XXXX, XXXX XXXX, from a debt collector company. They Want me to pay the amount of : {$40.00}. I asked them on a telephone conversation on : XX/XX/2023 when I spoke with a Lady that refused to give me her name. I Wanted to Dispute the debt because I wanted them to send me the name and address of the original creditor and/or Hospital. However when I Checked my records I told the unknown Lady from the debt collection company that my Insurance company, MEDICARE had paid the amount of the debt and that I did not owe anything to the debt collector and/or the original creditor and/or Hospital. I respectfully request from the debt collector not to, HARRAS ME OR THRETEN ME ANY MORE. And not to call me any more, and NOT TO CONTACT ME NO MORE. If they have any more questions they can contact my LAWYERS. Thank you very much for your assistance in this important matter. Respectfully yours. XXXX.