23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Starting back in XXXX : Midland Funding was calling me anywhere from 3 to 7 times per day trying to collect a debt I knew nothing about. They would call and ask for one name then call back and ask for another, then call again and ask for me by first name only. I had tried calling them and spoke to a woman that said she had nothing with my name through there company. and then again, phones calls were persistent for the next 3 years. I gave up answering and they never left a message. I only knew it to be Midland because I would call and ask who they were. All they would say is it was XXXX XXXX XXXX  was the original creditor. I never knew to have an account with XXXX 's XXXX   except for when XXXX XXXX XXXX XXXX had their XXXX XXXX XXXX through them ( to which that was paid with my IRS Refund ). 
As of XXXX, I stopped receiving calls because I had paid my phone service provider to have Elicit/Spam/Etc callers blocked. Yet for the last 2 years, approximately 4 times a year, I get a random bills in the mail, which I just tossed in the mail. To which I have provided them documentation that the debt was paid. I also filed disputes with all 3 credit reporting agencies that I am not responsible for this account, unknown collection. Midland only ever sent notices no proof of debt. 
How do I stop this? Do I need to hire a lawyer? If so, how do I get assistance to do so?
Product: Credit reporting or other personal consumer reports

Delete Hard Inquiries In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 .S. 81 ser hase i. States have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 16815-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete the accounts below. 

DELETE HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX EXPERIANXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX EXPERIAN, XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX EXPERIANXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX EXPERIAN, XXXXXXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN, XXXX XXXX EXPERIAN,  XXXX XXXX EXPERIAN, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Vehicle loan or lease

I need clarification on the loan balance currently being reported to my credit by Wells Fargo Dealer Services. I have tried to get answers from Wells Fargo directly but I am not getting the information I need from their representatives. The loan number for the account is : XXXX. This is for the vehicle I had through Wells Fargo that was totaled in 2015. The insurance should have covered the loss of the vehicle but there is still a balance of {$8300.00} being reported as my remaining loan balance on my report. I have obtained copies of the insurance payouts and the numbers are not adding up to what is being reported on my credit. I am including a letter from XXXX XXXX XXXX which shows that a check for {$5500.00} was paid out to Wells Fargo in XXXX 2015. In addition to that, My GAAP benefit from XXXX XXXX XXXX XXXX was valuated at {$1000.00}. I need to understand how this was applied to my remaining loan balance and why the credit bureaus continue to report that the balance is {$8300.00}.
Product: Debt collection

on XXXX/XXXX/2015 I paid Transfinancial {$990.00} on behalf of XXXX XXXX in negotiation for {$1400.00} bills for {$980.00} {$320.00} {$100.00}
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and noticed unauthorized hard inquiries that I did not authorize. These inquiries are negatively impacting my credit score, and I am requesting their immediate removal. 

The unauthorized inquiries are as follows : XXXX XX/XX/year> XXXX XX/XX/year> I did not apply for credit with these companies and never gave them permission to pull my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these inquiries be investigated and permanently removed from my credit file. 

For verification, I have attached : Copy of my credit report highlighting the unauthorized inquiries Copy of my identification ( Drivers License ) Please confirm once these inquiries have been removed. Thank you for your prompt attention to this matter.
Product: Checking or savings account

Around XXXX I had deposited a friend of mines stimulus check due to everything being closed by covid-19 B.C.E.U gave half the money which was XXXX $ then froze my account told me to bring in my friend whos now XXXX  from covid-19 an put a hold on all of my money from 2cnd and 3rd stimulus being direct deposited into my becu account how can I close this account and access all my money?
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : 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
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit file and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/year>. I'm now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am uploading proof from a complaint XXXX I submitted. I received a response from the company thank you cfpb I submitted feedback but didnt upload my proof from my transunion credit report. XXXX and equifax are completely wrong for reporting my XXXX XXXX account with a late payment back in XX/XX/2015. The investigation done by XXXX shows proof that these 2 accounts were never paid late.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Included in Bankruptcy XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$930.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$980.00} Charged off XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$2300.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX XXXX Owed : {$0.00} Included in Bankruptcy XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX : {$0.00} Included in Bankruptcy XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Included in Bankruptcy XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Included in Bankruptcy XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Included in Bankruptcy XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Included in Bankruptcy XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$640.00} Collection XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$500.00} Collection XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3600.00} Collection XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$630.00} Collection XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$550.00} Collection XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported XX/XX/XXXX Bankruptcy
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

Equifax : XXXX XXXX Account Number : XXXX XXXX : Bankruptcy XXXX XXXXXXXX Case Number : XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/year>XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX bankruptcy dismissed Case Number : XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/year>XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

This company debt account was closed few years ago and I send info at that time but week ago the debt company that now bought the debt I guess had their guy come to my apartment while I wasnt there telling my finance he was an agent and wanted for her to sign paperwork. I got home and saw it was a claims court paperwork I was shocked. He didnt ring the buzz told my super he was agent
Product: Debt collection

On XX/XX/2023 I received and internal secured message from I.C. Systems so I followed their instructions, thinking that they were responding to my complaint that I had just filed with theCFPB on an alleged debt and their collection practices. I opened the secured message and saw that they were returning an alleged account back to XXXX and that no further collections will be attempted. If I had any questions I could call the number listed. 
So I called the number just to ask the question about the removal of the damaged collection account that had been placed on my credit reports. The I.C. Systems representative tried to transfer me to another section that the pop-up on her screen told her to but no answer. I call back later and went through the same steps and finally reached someone in that specific section. I asked how they planned to remove the collection account from my credit report, per the account information and reference information that I provided to them. They responded eventually with the fact that they dont report for XXXX but for XXXX and I asked what XXXX account, because I hadnt received any type of communication via mail or phone calls concerning an alleged debt owed to XXXX. So I ended the call. 
Upon my further research I did see that I.C. Systems had placed a collection account on my credit report for an alleged debt that I had no knowledge of or had received any type of communication concerning it. I reviewed XXXX  3 bureaus reports for XX/XX/XXXX  ; XX/XX/XXXX  where there werent any collections accounts but it appeared on XXXX  report dated XX/XX/.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, The information listed below which appears on my credit is the resort of that identity theft ..... 

XXXX Account # XXXX please remove it from my credit report XXXXXXXX XXXX Account # XXXX please remove it from my credit report XXXX XXXX XXXXXXXX XXXX  Account # XXXX please remove it from my credit report Please block this information from my credit within four business days, pursuant to section 605 C of the Fair Credit Reporting Act.

Please send me notification of the action taken, i appreciate your prompt attention to this matter.
Product: Credit card or prepaid card

Hello, I was charged the late fee and the interest in XXXX by Bank of America, I called them to waive that for my first-time violation, but they refused. I feel very sorry and innocent for that, because I had a very good credit record before. 

I think that The Bank of America also had responsibility for that because I used to receive the bank statement in the mail before, so I could read and remind myself to return, but I haven't received that for some times, I am not sure if BOA switched from a paper statement to electronic statement in order to save the cost. 

Normally, the bank will give people at least one chance to recovery, this is my first time of late, I don't know why they refuse to waive the charge. 

Please help me to communicate with the bank to compensate for the loss. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXXXXXX XXXX XXXX  provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit card

I got incorrect information dorm the bank and the creditor ask to send a letter form the bank explaining for the account to be reopened and they lied.
Product: Credit card

I am filing a complaint against The XXXX XXXX XXXX to a store credit card I used to purchase furniture from them. XXXX years ago, I made a purchase under a payment plan with a promotional offer that if the balance was paid in full by XX/XX/XXXX, there would be no interest and the whole balance would be paid off. The total payment plan was for 24 months at {$450.00} per month. 

I have made every payment on time, and my payments were set on autopay as agreed. A payment was supposed to be taken out on XX/XX/XXXX but an auto payment of {$450.00} was automatically deducted on XX/XX/XXXX, and the final amount owed was {$490.00}. However, I am now being charged {$5300.00} in addition to the {$43.00} remaining balance, despite the fact that I have been paying on time in good faith to meet the terms of the promotional offer. This new amount seems excessive and unreasonable. 

I believe this charge is incorrect, as the balance should have been cleared once the {$490.00} was paid, leaving only the remaining {$43.00} to be charged. I should not be subjected to an additional {$5300.00} due to a small remaining balance of {$43.00}. This feels like an unfair and misleading practice, especially since I followed the terms of the payment plan and made every effort to pay on time. 

In addition, if there are any legal actions I should pursue to have this issue resolved, I would really appreciate if the CFPB can guide me to get the process going.
Product: Payday loan, title loan, or personal loan

On XXXX/XXXX/2016, XXXX XXXX XXXX XXXX sold me a business credit builder and landing page design and they financed it for me through Universal Account Services. The amount borrowed XXXX from Universal Account Services. The credit builder turned out to be about 3 web pages worth of reading. There was no landing page design. When I asked about the landing page design, I was told someone would contact me. When they did contact me they wanted another XXXX dollars. So I hung up on them. Even though I try to make the payment to Universal Account Services, they keep drawing the money out of my account. I gave them permission to do this one time. But they are doing it every month. I really want them out of my bank account. The fact that XXXX XXXX sold me almost nothing for XXXX dollars I guess is the fault of XXXX XXXX XXXX XXXX. They completely misrepresented to me what I would receive for the payment. So I guess I am not sure if I should complain about Universal Account Services or XXXX XXXX XXXX. I would very much like to get Universal Account Services to no longer have the right each month to withdraw funds from my bank account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXXXXXX, Account name : XXXX  XXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( XXXX ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I submitted application to FlagStar Bank for inclusion in the federal mortgage forbearance program. 
I received a conformation that I was accepted on or around XX/XX/2020. On XX/XX/XXXX I received a phone call from FlagStar Bank that I should call them about my " late '' mortgage payment on XX/XX/2020. When I called, I was told even though I was in the forbearance program, I should try to make a payment and that the call was an attempt to collect a dept. 
I told the agent I considered the call and the attempt to collect a debt harassment and if I was accepted in the forbearance program, there should be no need for me to call in and explain my situation all over again. 

My complaint is that FlagStar is practicing harracement of participants in the federal forbearance program.
Product: Credit card or prepaid card

Ive ordered a new card and I still have not received my XXXX BENEFITS
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violates the consumer Financial Protection Act ( CFPA ), specifically, Cash App failed to take timely and effective measures to prevent and address Faud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate address for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. I called TransUnion because the numerous credit inquiries were not made by me. TransUnion continued to tell me that I needed to catch each creditor to dispute these inquiries. After I did my research and called the creditors and was told that I needed to call TransUnion. Also I gained knowledge that by law I needed to dispute with TransUnion. TransUnion continued to ignore my request to dispute these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX  Finance Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX 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, credit repair services, or other personal consumer reports

I am a victim of identity theft, having my personal bank accounts compromised and credit cars opened in my name. I have filed FTC reports for the Identity Theft and my bank accounts was closed due to my accounts being compromised. I have provided XXXX with the FTC report for the identity theft and they are still attempting to collect the fraudulent debt. They are using account statements and fraudulent payments that was processed from my bank account that was compromised as verification of the account. I did not open the accounts. Someone had access to my personal information and applied for the cards. I did not give XXXX to the authorization to report any information to my credit file. Pursuant to the Gamm- Leach- Bliley Act I have to give a financial institution permission to report on my credit file. I was also not given any chance to opt out. They are in direct violation with the FDCPA for attempting to collect a debt that I do not owe. I am being harassed and abused. They are also violating the FCRA and violating my right to privacy reporting this alleged debt that was created due to identity theft of my personal and bank account information. I do not consent to any reporting and I demand these accounts be deleted immediately. I also demand the debt be XXXXXXXX XXXX out in their system.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Continues to report an unauthorized account on my credit report despite knowingly being made aware that it is. I contacted XXXX XXXX regarding a credit card and a Loan that was opened in my name without my authorization. 
XXXX XXXX has not sent any documentation to validate that this debt is without a doubt an authorized transaction that was made with my consent. They are in violation of my consumer rights the U.S.C. and the FCRAs. They have yet to prove this Debt to be Valid and are in violation of the investigation and administrative process by law. Let this complaint serve as another NOTICE of violation and another NOTICE to PROVE the debt to be valid within the lawful time frame.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my XXXX XXXXXXXX XXXX XXXX XXXXXXXX account to Signature Bank at the instructions of the scammers.