23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I Have Already Made A Prior Complaint With The ( CFPB ) Against Midland Credit Management, And Their Repeated And Harassing Phone Calls To Me. Attempting To Collect A Debt That Belongs To My Sister. I Have Told Them Repeatedly That My Sister Does Not Live Here. That They Should Not Call Me At My Home. And That Any Future Communication Attempts By Them With Me, Should Be Done In Writing. But They ( Midland Credit Management ) Have Refused To Follow My Instructions. Calling Me Again Today. XX/XX/2019 My Sister And I Are  Estranged. Not That This Is Midland Credit Management Business.  And I Do Not Appreciate Receiving Repeated Phone Calls From A Credit Collection Agency, To My Home, For A Bill That Does Not Pertain To Me.
Product: Mortgage

I wrote to you XX/XX/XXXX. I am getting very vague responses from bank of america. But as I continue to do research, I found lots of fraud items and asking BoA to verify items but not getting what I need. XXXX did the investigation from them. They just keep giving me the same stuff over and over. The Mortgage Note and Allonge Note are robo signed and BoA did not receive any right, title or interest in my Accomodation Mortgage lien as the parties assigning the Accomodations lien failed to preserve a proper chain of title. This is treble damages.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX After reviewing my consumer report i found some errors and false information on it. 

I currently reside at : XXXX XXXX XXXX XXXX, PA XXXX I would like you to remove all the inaccurate and misleading information from my consumer report. These inaccurate details have adversely affected my credit worthiness and hampered my chances of acquiring new credit. Under the provisions of the Fair Credit Reporting Act ( FCRA ) Title 15, Section 1681, I demand that the following addresses in my credit report be removed : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX 
XXXX, PA XXXX I demand to also remove this employer do to the fact I do not work for them : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX employer is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX PHONE : ( XXXX ) XXXX I also ask my employer is updated. I have enclosed the required copy of my drivers license with this address verifying that my legal residence is the XXXX listed here. 
Due to concerns for identity theft please delete all invalid addresses and employers. 

Thank you for correcting my consumer report. 

XXXX XXXX XXXX
Product: Vehicle loan or lease

On XXXX XXXX XXXX I received a phone call from XXXX XXXX, demanding a payment of {$1000.00}. After my surprise I started asking questions, and I realized that this was a collection office, because they only identified themselves as XXXX XXXX. They said that they partner with Toyota. I have already file a complaint against XXXX. When I called Toyota right after I got off the phone with XXXX, I wanted to find out why I was never informed I have a balance.From customer service I got transferred to a different department. I was told that Toyota has no longer have access to the information I needed to hear. All questions should be addressed to XXXX. I explained that XXXX told me to contact them. After the initial call I contacted Toyota two times the same day and nobody could gave me an explanation. I asked to speak to a supervisor, somebody that could listen to me. I was told that the supervisor was going to say the same to contact XXXX. In other words I was denied to speak with a supervisor The last correspondent I received from Toyota was on XXXX XXXX XXXX. Will attached letter. On my third call to XXXX the same day I was told that it was a deductible from my car. insurance. On my first accident in XXXX, I have same model, same insurance coverage, with Toyota. The car was reported as a total loss, I did n't pay deductible because it was a total loss. In this case the car was a total loss too, I had the same insurance coverage but I have to pay deductible this time. Why?
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote letters to the credit agencies as well as the collections agencies to have them provide proof under federal law that the debts belong to me. They did not provide any proof whatsoever other then letters saying that the debt was verified as belonging to me. No physical proof was provided as these debts do not belong to me. I wrote letters to Transunion in regards to XXXX XXXX debt {$490.00}, and XXXX XXXX for {$2300.00}. I wrote letters to XXXX for the debt of XXXX XXXX for {$51.00}. I also wrote letters to XXXX for the debts of XXXX XXXX XXXX for {$2900.00}, XXXX XXXX for {$2300.00}, and XXXX XXXX for {$490.00}. I wrote multiple rounds of letters with no proof provided. I would like these removed from my records as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three major credit bureaus, XXXX, XXXX, TransUnion. Have refused to erase fraudulent accounts as well as accounts 7 years prior and older on my credit report repeatedly unlawful updating, and refusal to delete after these accounts have not been verified as my accounts. Theyre refusal to identify these fraudulent accounts have brung nothing but hardship on my life after I have done everything by law to dispute these accounts. These fraudulent accounts and 7plus years accounts on my report are as followed : XXXX XXXX XXXX acct # XXXX. XXXX XXXX acct # XXXX. XXXX XXXX XXXX acct # XXXX. XXXX XXXX acct # XXXX. XXXX XXXX XXXX XXXX acct # XXXX. XXXX XXXX XXXX XXXXXXXX acct # XXXX. XXXX XXXX XXXX acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters XX/XX/2020 regarding incorrect and unknown things on my credit report. It's been well over 30days later and I have not received a response yet. I feel like I'm being completely taken advantage of and being ignored of my disputes at this point. Section 611 a states that a failure to investigate these items with 30 days is a reason to remove the items from my credit report immediately. It's been over 30 days so they should be deleted immediately or I will file for litigation due to the stress that you have caused me and my family. My information also could have gotten into the wrong hands due to the Equifax data breach. Please fix this immediately.
Product: Debt collection

At first i was approved only {$510.00} and was received thru direct deposit on XX/XX/XXXX on my bank account plus i've chosen to make the payments in auto pay I've proof that the company speedy cash have taken two payments of {$140.00} on two occassions at XX/XX/XXXX and at XX/XX/XXXX but what i saw was that my loan wasn't decreasing and lastly i was running out of money on my bank account and they couldn't take nothing which the bank charged me like 4 times {$34.00} and another $ {$34.00} because that company was charging the bank and i had to paid it and now i want to dispute on the letter that i have of you charging me {$820.00} like why is it alott i didn't even asked for that much i still have proof that at the end i was just owning {$450.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX/Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are reporting on my Credit Reports : XXXX : XXXX. XXXX XXXX XX/XX/XXXXXXXX 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: Payday loan, title loan, personal loan, or advance loan

I went to Title Max to get a title loan for my vehicle on XX/XX/2023 because I had got laid off in XXXX. We agreed on a loan of {$1600.00}. I never was able to pay the loan back, which I let them know because I wasn't hired by anyone. Doing this period of time I became homeless and my family and I was sleeping in the vehicle. They repossessed the vehicle on XX/XX/2023. They kept a business book which has my driver 's license, XXXX card, and my family and I birth certificates. The vehicle has less than XXXX miles and new paint. They claim they sold the vehicle for {$1600.00}. They say I owed {$2600.00}. So I wasn't given any funds back which I know the car is worth every bit of {$15000.00}. Could you please help me with my situation.
Product: Credit card or prepaid card

Account opened : XXXX XXXX, XXXX ( 1 yrs, 4 mos ) Amount Due : {$580.00} Credit Limit : {$500.00} Credit Use : 117 % Account Closed : XX/XX/XXXX I have a Capital One Platinum credit card where I make XXXX dollars minimum payment. I recently have gone through hardship due to one of my family members dying and losing my job. I'm also having problems making a few payments.
Product: Payday loan, title loan, or personal loan

I am a victim of identity theft I did not receive a payday loan two years ago. They have not proven to me that this is my debt. I have reported identity theft and they do not respond. I have sent certified letters and waited and nothing. They continue to put this on my credit report. I was divorced way before this debt occurred and its under my ex spouse name. I do not go by any other name and it states on the debt the last name XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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. Please The accounts 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, GA XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX Balance : {$330.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$210.00} ; XXXX  XXXX ( Original Creditor : XXXX ) XXXX Balance : {$120.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$760.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 XXXX
Product: Checking or savings account

I deposited XXXX pay checks from the state controller XX/XX/22 and was told the checks would be placed on a 2 day hold then funds would be made available. I attempted to pay car note, which the bank returned, then the bank placed both checks back on hold, stating pending verification. I called with representative of the bank for 2 hrs and once verified, I was told 24 hrs. Then when I went into the branch I was told VERBALLY my account was CLOSED FOR FRAUD XX/XX/22 and once the checks were verified they would cut me a cashier for the funds held. So I called a XXXX time for 2hrs with bank rep, had XXXX checks verified and was told a Cashier Check would overnighted. As of today the only check that was sent was dated XX/XX/22 and mailed XX/XX/22 was the cash balance prior to the pay checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I contacted Experian via mail to dispute inaccuracies on my credit reports. I have not received a response from the company to date XX/XX/2020.
Product: Credit card or prepaid card

Citi Bank ( CBNA ), Hard credit query against my credit picked up by credit monitoring due to PPI breach. 

Identified on XXXX XXXX. I made multiple calls over 6 to Citi over 3 days before I got through to someone in the fraud department on the afternoon of XXXX XXXX. 

Card was being requested with my PPI. I did not request a card through Citi. 

Once I did get through to someone in Fraud things moved quickly and were in a conf call with XXXX to put freeze on my credit. Currently awaiting paperwork from Citi for affidavit as well as paperwork from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft and have filed police reports, wrote letters, filed identity affidavits and made many phone calls trying correct account information placed on my Equifax report due to identity theft. I have provided Equifax with all of the appropriate information to substantiate my claim of identity theft. I have sent Equifax several police reports and identity theft affidavits, along with other supporting evidence to try and have the fraudulent information removed from my credit file, but they have refused to honor the law and my documentation related to my identity theft claim. The fraudulent accounts in question is a XXXX credit card in the amount of {$350.00} and XXXX XXXX XXXX XXXX with a balance of XXXX. I have disputed this information every month for the last year with police report, identity theft affidavit, dispute letters and Equifax still will not remove information from my credit report or provide me with information proving these fraudulent accounts belong to me.
Product: Debt collection

Debt collector called me I answered and lost connection to the call, company continued to call father in law about the debt even though he had nothing to do with said debt
Product: Mortgage

We have had the mortgage loan with Ocwen for several years, and underwent a modification. We had no issues with Ocwen or application of payments and have had the payment automatically drafted from our checking account for a long time.Servicing was transferred to PHH Mortgage Services effectiveXX/XX/19. All of the payments until this time have been automatically debited from the same account for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.OnXX/XX/19 PHH sent a form letter stating the automatic payments have been cancelled and this letter listed a number of reasons. I called them today at XXXX XXXX ET and spoke with XXXX, operator XXXX, who informed me that persons in active bankruptcy or those with a discharged bankruptcy are not permitted to have payments automatically drafted via ACH. When I requested a copy of that policy in writing, he stated the letter is the written policy. He did not transfer me to an escalation specialist as he said he would, but simply told me this letter is the written proof I need. I did advise we would have this situation reviewed by our attorney. I also advised him that we just re-enrolled for automatic payments through their website again. He stated that the request needed to be reviewed and may not be approved.We have built up almost 100,000 in equity, and are concerned that they may be using this as an excuse to foreclose if they don't get our payments. Can you please investigate this and provide us with an update?Thank you very much.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Hello CFPB, The company below continues to call, email and harass members of my family asking to discuss stuff about me. They are a collection agency and have acquired a debt from a company I left several years ago but are falsely claiming I owe. They are threatening lawsuit and also emailed said they are going to call around to see if anyone else wants to join on their lawsuit. 

Commercial Recovery Inc Tel : XXXX, XXXX Fax : XXXX XXXX XXXX is one of the many names they use. I called the company and asked for XXXX XXXX and they did not have a person names " XXXX XXXX '' then he emailed and said they use fake names. I have listed only a few of the many emails below with dates I get from them. They have been threatening legal action for months and given deadlines that pass and they still continue to make threats. They know where I live and from what I feel have made vailed threats that they know where I live and my family. They are now calling my family members in a attempt to SHAME my name. 



XXXX : " Your refusal to pay for this legitimate debt leaves us no other option but to assign this matter to legal counsel with a request to file a lawsuit. Unless this office receives the total within 10 days we will send the claim to an attorney in your jurisdiction. Are you sure you do not want to avoid this? 

XXXX : " My client XXXX has decided to enforce the guarantee against XXXX. We will deal with him separately. '' XXXX XXXX Commercial Recovery Inc XXXX On XX/XX/2021, at XXXX XXXX, XXXX wrote : " You need to call me about our letter to you on the personal guarantee ( on you ) portion of the debt we are pursuing. We need to have a discussion or we will send this to an attorney for suit. Be guided accordingly. '' XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I pulled my Equifax credit report and I did not authorize these companies to pull my credit. I submitted disputes with the credit bureau but the inquiries are still listed. As a result, I experienced actions and denials based on these inaccuracies. 

Date Company Request Originator XX/XX/scrub>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 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: Student loan

My daughter attended XXXX College in Florida. We applied for the XXXX XXXX and we were offer XXXX Loans the principal bal was {$5300.00}. I am presently paying XXXX monthly here is another company call XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a loan there principal balance is {$5900.00} which is about the same amount I am paying XXXX Loan. The loan that XXXX XXXX XXXX XXXX is trying to collect is the same loan I am paying XXXX Loan. I was told by XXXX of the financial aid rep. they had sold the loan. This is the company that is trying collect. What can be done to rectify this matter. I only obtained approximately {$5000.00} worth XXXX loans for the short time I attended XXXX. The company that is trying to collect this loan Coast Professional , Inc., The XXXX XXXX XXXX XXXX. My contact information is XXXXXXXXXXXX or XXXX, I look forward to hearing from you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third party agency. Please see my attached documentation as it pertains my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act " XXXXXXXX XXXX  '' has violated my rights. 15 U.S.C. 1681 section 602A states that I have a right to privacy. 15 U.S.C 1681 section 604A states 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

JPMCB is reporting unfailry to my report as i never had an obligation with them. please rectify this
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not aware that I could opt out.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason after my {$12000.00} USD American tax refund that they advertised to get quicker through them was deposited it also has mt original XXXX dollar stimulas check ive been waiting through the entire pandemic forand will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just researched that I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXXI have been filing complaints for them to verify my reports for months and Transunion has not respond to my letters.I have been sending letters since (XX/XX/XXXX), with no verification to the credit laws that I had included. Seeking help with this matter.