23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On or about XX/XX/XXXX, I made the decision to port my three mobile telephone line from XXXX to XXXX wireless. I informed XXXX that day because I had a previous balance that was due. The XXXX representative informed me that the previous balance and the current balance would be adjusted once the old devices were returned to XXXX. I was also instructed that it would take approximately two weeks to get the package and posting documents to send the devices back. On XX/XX/XXXX I received an email stating that my account as going to be turned over to collections for none payment. I contacted XXXX and they told me to disregard the email because the devices were in route back to the company and the adjustments would need to be made to the balance. I was then informed that no later than XX/XX/XXXX I should receive my final bill with all my adjustments. I waited for the updated bill and logged into my account but the balance still read {$770.00}. 

On XX/XX/XXXX I received a phone call from a collection agency named Receivable Performance Management in regards to my XXXX account. The customer service rep I spoke with was very aggressive and when I tried to explain that XXXX has not forwarded me my finalized statement she then began to over talk me and yell a break down of charges on my account. I attempted on three different times to explain to her that credits needed to added to my account and them I would pay XXXX my remaining balance due. She told me that XXXX would not take payment and that they would forward me back to her. I then hung up. 

I contacted XXXX that same day at approximately XXXX and spoke with XXXX . He reviewed my bill and looked over the charges. He even broke down the charges for the remaining balance. He even observed that I was charged for a service that I did not have on my phone. He called the adjustments department and had them remove it which he stated could take up to two days. When I asked about my tablet he informed that services were not suspended when I asked but were done at a later date. He informed me that those charges will need to be added to the final balance but that final bill will not come due to XX/XX/XXXX. He then stated that I should be able to login to my account and see the final bill by XX/XX/XXXX. When I asked him about payment he informed me that XXXX will still accept payment on the account and that the account is still with them. He also stated that once the payment is made they will notify the collection agency, but they still legally own the account. He informed me that no action can take place until the tablet charges are added to the final bill.
Product: Mortgage

I have already issued one complaint - XXXX. The company says they are working on it. I received yet another letter dated XX/XX/XXXX with yet a third NSF fee. I called on XX/XX/XXXX for the 3rd time. I've also messaged and Live Chat with them. And I have been to the local office twice. Yesterday when I called XXXX, I was told that I have no NSF fees applied to my loan and that everything is set up properly. My 1st payment out of my new checking account will happen this Friday. Today I got a letter dated XX/XX/XXXX that states since I have had 3 or more payments in the last 12 months that have not been honored by your bank ( note the letter head is the same as my Bank - BECU ), they now require my payments be sent via certified check or money order. There is a note that if I send a payment via the website, personal check, or one-time draft, the payment may be rejected and returned to me. I HAVE DONE NOTHING WRONG. I have always had the funds available for my payments. I have had this 15 year loan for 7 years and I resent being treated this way. I have never missed a mortgage payment but this mortgage servicer is trying their best to make that happen. Who knows what will happen on Friday. I called the BECU office and they have no way to help me. I called the BECU servicing mortgage line at XXXX for a 4th time today, was offered a call back and when I got one was put on hold for three minutes and then dropped.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because i was a victim of the equifax data breach. I i want this items deleted from my credit reports effective immediately. I am attaching proof that equifax has admitted that i was in fact a victim of this data breach and equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 
XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXXXXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX Based on the information provided which is incorrect and not mine. Im unabke to get any type of credit card, loans or anything with mi credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

After review of my Credit Report, I found that my report contained Numerous Hard Inquires that I never Authorized. 
1. XXXX XXXX 2. XXXX XXXX XXXX 3XXXX XXXX XXXX 4.XXXX  XXXX. 
5.XXXX  XXXX XXXX XXXX 6.XXXX XXXXXXXX 7XXXX XXXX 8.XXXX XXXXXXXX. 
9. XXXX XXXX  XXXX XXXX. 
10.XXXX XXXX XXXX 
11. XXXX. XXXX
Product: Debt collection

I am writing to file a formal complaint against ( XXXX XXXX XXXX and MIDLAND CREDIT MANAGEMEN ) regarding their improper debt collection practices. It has recently come to my attention that the collection agency has engaged in harassing and intimidating behavior towards me and my family members. 

Specifically, the collection agency has contacted several of my family members in an attempt to obtain personal information about me. They have discussed sensitive information such as my payment history and debt, which is a clear violation of my privacy rights. Despite my repeated requests for legal documentation and proof of any contract between myself and the collection agency, they have failed to provide adequate evidence. Instead, they have only provided general information about the debt they claim to have purchased.They have only provided the fact that their letter to my old address was not returned to sender and the history of purchasing the debt even tho they have already been charged off by the original creditors. Thats not sufficient information and has no proof of my contract with original merchant ( signature, copy of Id, etc ) Furthermore, the collection agency has resorted to threatening and unprofessional language when contacting my family members. This behavior is unacceptable and is causing undue distress to both myself and my family. 

I believe that the actions of MIDLAND CREDIT MANAGEMEN and XXXXXXXX XXXX are in direct violation of the Fair Debt Collection Practices Act ( FDCPA ). They have failed to provide sufficient proof of the alleged debt, and their attempts to intimidate and harass me and my family are egregious violations of consumer protection laws. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against the above collection agencies, Their inaccurate information and unethical behavior must be addressed to ensure the fair treatment of consumers. 

Thank you for your attention to this matter.
Product: Debt collection

I have a XXXX XXXX XXXX. I was supposed to get ebills from XXXX XXXX - I never did get an ebill checked my bank account. I forgot about the bill until it showed up delinquent on my credit report. I drove to XXXX XXXX on XXXX/XXXX/16 and paid in person. Otherwise, I have perfect credit. Now i get daily calls from XXXX or XXXX claiming to be American Express. I called XXXX XXXX and they confirmed these are not calls from them and my account is clear. The first thing they ask me is my date of birth. I refused and asked why they are calling me and who they are collecting a debt for. The man on the other end just kept repeating that he needed my date of birth. I asked them to inform me in writing of their concerns. He just kept asking for my date of birth. I became irate and told them to stop calling and I was going to report them as scammers. Finally, He said ok we will stop calling you. Of course, I do not believe that! XXXX XXXX has agreed to take this off my credit report and told methey would issue a letter to my home address within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX in XX/XX/XXXX in regards to the incorrect late payments reporting to XXXX, XXXX, and Transunion. I spoke with representative XXXX, and explained to her that the late payments that are reporting were during the time I was enrolled in school and/or in a deferred state. There is no possible way that I could missed a payment that I was never set up for. She agreed and confirmed that ALL of the late payments will be deleted and removed from my accounts. Over 30 days went by and I received an updated copy of my credit reports from XXXX, XXXX, and Transunion. The late payments were still reporting and had not been deleted. I typed up a letter explaining everything that I had previously explained to XXXX. I also explained that I was told that All late payments would be deleted and removed over 30 days ago but they were still there. I mailed the letter off along with copies of all three of my reports certified mail with a received receipt included. According to the receipt the company received my letter on XX/XX/XXXX and I still have not gotten a response. These incorrect late payments are affecting my credit file/score tremendously. I have attached the letter and the receipt.
Product: Credit reporting or other personal consumer reports

I am in trying to utilize my Veteran Home Loan, and I unable to do so with any, " dispute comments, '' on my credit reports. I have been in contact with all three credit reporting agencies for over two months as of this CFPB complaint about having these comments removed. After every phone call, I am assured that the comments have been removed. However after waiting the 72hrs for the comments to fully remove from my reports per credit reporting agency, they are still there or have re-appeared. My mortgage company 's credit manager keeps sending me screen snippets with the accounts still showing on my report. I called the credit reporting agencies again, and I was told that I needed to have the original debtors to have them removed, " since they are the ones that keep reposting it, '' per the credit agency representative. I spent three hours on the phone this morning going back and forth with different companies and not XXXX company was able to see the comments on their end. No one is taking the responsibility to see the comments to have them removed, so I can purchase a house for my wife and XXXX kids. 
I need help removing the comments from : XXXX XXXX XXXX and XXXX XXXX  accounts showing on my credit reports. 

I have been trying since XXXX to have these comments removed, and they keep popping back up on my credit reports. This is impacting my ability to utilize assets that I have earned by being a XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has came to my attention that some accounts and inquiries that were not authorized by me was placed on my credit report and it surprised me that the bureau are not making sure that all records showing myreports are accurate, the accounts and inquiries are no where attached to me nor do I have anything to dowith them, please kindly remove as soon as possible because it violated my consumer right, reporting inaccuracy is a violation. kindly remove. 


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
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy and validity of a charge-off account that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 

XXXX Account XXXX Inaccuracies and Issues 1. Account Balance and High Credit Conflict : o Balance : {$5600.00} o High Credit : {$5600.00} o XXXX XXXX : {$4200.00} o The high credit matches the balance, but both exceed the credit limit, raising a red flag for verification. 
XXXX. Discrepancy in " Last Reported '' Dates : o TransUnion : XX/XX/XXXX o Experian : XX/XX/XXXX o XXXX : XX/XX/XXXX o Future reporting dates violate the FCRA 's accuracy requirements. 
XXXX. Conflicting Comments : o TransUnion : " Dispute resolved ; customer disagrees. '' o XXXX : " Subscriber reports dispute resolved - consumer disagrees. '' o XXXX : " Consumer disputes after resolution ; charged off account. '' o The comments indicate unresolved disputes despite being marked as " resolved, '' leading to inconsistent reporting. 
XXXX. Date Last Active and Date of Last Payment Issues : o Date Last Active : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX o Date of Last Payment : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : Missing information. 
XXXX. Payment Status Conflicts : o All three bureaus list " Collection/Chargeoff, '' but the payment history shows inconsistent " CO '' and " OK '' marks, especially for XXXX, XXXX there is a mix of " OK '' and " CO. '' 6. Two-Year Payment History : o The payment history shows " OK '' statuses in some months even after the account is listed as charged off, leading to reporting contradictions.
Product: Student loan

Student loan payments were made to XXXX XXXX since 2009. Every year I tried to reach out to them by mail asking for a receipt, there was no phone number to be found. I still made monthly payments while sending them a mailed request for receipts. Until a few years ago, my checks came back. I researched the law firm taking my payments, XXXX, XXXX XXXX XXXX XXXX, and found an attorney there who told me the PO BOX address had changed. At first he could not even find my account. I resent my payment, and also asked for reconciliation of the balance since I finally found someone to talk to. They could not find several of my payments I had made. I documented the check number of most of my payments, and also had some copies of old bank statements. They would not accept the bank statement as proof, as my bank only sent me the front of the check copy, not the back. I informed them I needed to stop my payments until they could reconcile the payments I made and agree to send me a receipt. They would not. Now the loan has been kicked back to XXXX XXXX XXXX for the full amount. I had already paid XXXX total. When I asked my bank to furbish the bank statements to prove I had made those payments, they stated after 10 years, all bank statements are deleted.
Product: Payday loan, title loan, personal loan, or advance loan

I was hacked. Hackers bought XXXX gift cards in my name to XXXX eats. The gift cards have not been used, with full balance remaining. Affirm will not support me n insist that I pay for the fraudulently bought unused gift cards.
Product: Debt collection

History : We moved to XXXX in XX/XX/XXXX. They lied to us about the savings we would see, the coverage we would have, and the bonuses we would receive if we switched over. I made FCC complaints and over the course of 4 months tried to get this resolved. In XXXX we switched over to XXXX. XXXX refused to port my number for 2 days, leaving me without a phone and costing me {$15000.00} in commissions. I filed another FCC complaint. Our agreement with XXXX said if we left them, we still had to pay the monthly cost of leasing the equipment. However, they then demanded the entire payment at one time. I would try to talk to them, but they refused to talk to me, saying they could only speak to my husband, who was the primary holder of the account. Over the course of the last two months, he has played phone tag with them trying to resolve our issues with them. 

Reason for this complaint : yesterday we received two pieces of mail. The first was from a collection agency, saying that XXXX had handed over our account to them. The second was from XXXX ( both letters were dated XX/XX/XXXX). XXXX was demanding full payment of the lease amount by XX/XX/XXXX or they would hand the case over to collections. My husband called the collection company and found out that XXXX had emailed, on two separate occasions, my XXXX year old son to demand payment. My son 's email is not associated with the XXXX account. My husband 's email and my email are. XXXX did this before during the 4 months that we battled with them ( although it was calling my XXXX year old sons ). We clearly let them know at that time which phone numbers belonged to who, and ensured the only emails on the account were my husband 's and mine. They did not call my husband, or I about the account. They did not mail anything to our home prior to XX/XX/XXXX. They purposely contacted a minor, multiple times, and made no good faith effort to contact either of the adults on the account.
Product: Credit reporting or other personal consumer reports

Dispute of Civil Liability for Negligence Reference to Section 16810 I hope this letter finds you well. I am writing to formally dispute the claim of civil liability for negligence.

As per Section 16810, I understand the criteria for civil liability in cases of negligence, and I firmly believe that the circumstances surrounding the event do not meet these criteria. 


Given the facts of the situation, I respectfully request that this claim be reviewed thoroughly and dismissed based on the outlined reasoning. If necessary, I am willing to provide further documentation or clarification to support my position. 


Thank you for your attention to this matter.
Product: Consumer Loan

I requested a due date change from bmw financial in XXXX 2015. They advised that the process would take 60-90 days. My payments were set up on weekly disbursements from my bank account. Once the due date change the final payment for XX/XX/XXXX ( i believe ) posted on the XXXX day and BMW marked me as late with all XXXX credit agencies. It was to my understanding that an account had to be 31 days late to be reported delinquent with the credit bureaus. I asked them to remove the late. I have disputed it. Im trying to get the vehicle refinanced with my credit union and was told that the late from BMW dropped my scores to where they cant fund the entire deal. I need assistance as this was not intentional nor is it the standard reporting process for lending institutions
Product: Vehicle loan or lease

Dakota Financial is in direct violation of XXXX  XXXX XXXX and federal consumer laws by assigning force placed insurance onto a leased vehicle I acquired with them. 
According to California XXXX XXXX XXXX a lender can apply force-placed insurance ; however, there are legal requirements that must be met prior to implementing force placed insurance : Dakota Financial ( here forth lender ' ) must provide written notice, allowing the customer a chance to prove they already have insurance. 
The lender must explain the terms, cost, and reasons for the placement of the insurance. 
The insurance cost is clearly disclosed and must not be exorbitant or unreasonable. 
They did not comply at all by FAILING to provide any notice to alert me to the action. They did not add it to my monthly invoice or even send me any request for proof of insurance, which I had the entire time that they overcharged me. I asked them to provide any proof of notice, and they had none. They charged me for over 6 or more months for additional insurance related fees per month. I had no knowledge of these fees because instead of being upfront and sending me notice or an invoice for the additional fees they stated they decided to just put it to the back of the lease again without any notification to me. I am supposed to be paying off this truck in 2 payments and now they are saying I must pay an additional {$4000.00} in insurance fees that again I had no knowledge of. I have attempted to resolve this issue with Dakota Financial however they are ignoring the legal requirements set forth to protect consumers from these back door / cloak and dagger assignment of fees while causing substantial financial harm to consumers but financial gain to them.
Product: Checking or savings account

Today, on XX/XX/2024. I went to the XXXX XXXX on XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX at XXXX XXXX. I went to deposit money into my XXXX checking account. I inserted my XXXX debit card and proceeded to deposit {$XXXX}. I then saw on the screen that the transaction was canceled. It gives me back my debit card but not the {$XXXX} that the ATM just ate. I walk inside and ask a banker to help me with the ATM outside. The banker comes outside and then goes inside and gets another person. This person tells me that I need to contact XXXX and they will give me the money that I lost in the XXXX XXXX He also says that the bankers can't access the ATM so they can't do anything. I contacted XXXX and they told me that they couldn't help because this happened at XXXX ATM and it should be their responsibility to get the money for me. I am currently without this {$XXXX} and demand an answer.
Product: Checking or savings account

I usually receive a text message as to my account balance everyday. Today I never received that so I attempted to log in to my app and found that it had been disabled. I received a message stating that my account had been closed and I needed to send verification information. I still can not find out what reason for closing the account and exactly what information they are the requesting. I still can not find out what reason for closing the account and exactly what information they are the requesting. I received several different emails and each one was asking for different information. I sent what was ask of me. They keep trying to tell me that the tax deposit is the one I need to account for. However the US treasury check that I deposited was for XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally sent 2 disputes to XXXX about my Identity being stolen during Equifax 's Breach. Nothing has been done on this matter. The account is from XXXX XXXX OR AND XXXX XXXX XXXX XXXX XXXX XXXX 

My request to DELETE PERMANENTLY THE FRAUDULENT ITEMS FROM MY CREDIT REPORT is not being made in error ; nor is it being made on the basis of a material misrepresentation of fact by me relevant to the request to delete the identified transactions From XXXX XXXX OR AND XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
Enclosed are my documents from me filing my Compensation from Equifax and also screenshots from the account and other documents. Thanks for your help.
Product: Credit reporting or other personal consumer reports

Chase XXXX continues to drag their feet regarding a fraudulent credit inquiry. They acknowledge the fraud but have elected to play games with my account. 

This inquiry is causing myself financial harm which Chase has elected to ignore. 

Chase insists action has been taken yet ALL credit agencies deny this. Chase claims it can take XXXX days which all of the reporting agencies deny. 

When Chase wants to report XXXX  information to the agencies miraculously it only takes a XXXX but for this fix it takes forever. 

Chase should be punished for the financial harm they are causing me.