23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/2020 XXXX XXXX Quicken loan mortgage paid XXXX for XX/XX/2020 mortgage. I viewed my mortgage payment history payment returned and amount and missed mortgage payment returned date XXXX ; amounts and dates money returned XXXX $ XXXX $ XXXX $ XXXX, XX/XX/2020 $ XXXX {$100.00}. There were no notes in my acct explaining what is listed above. No letters for returned money from my bank or Quicken loans. I called Quicken loans client specialist XX/XX/2020 XXXX : XXXX Mrs XXXX explained XXXX over payment. I told her no over pay money XXXX not mine. Mrs XXXX then said Supervisors might have questions for me to hold. Supervisor XXXX said XXXX was over my acct. But in phone then XXXX off phone will call me back. I told Mrs XXXX XXXX stolen money within Quicken loans bank scam in Quicken loans they tried to use my bank acct. Mrs XXXX should have fixed XXXX back in XX/XX/2020, but the XXXX was divided into my acct. The acct didn't show XX/XX/2020 mortgage due, the acct showed XX/XX/2020 due Mrs XXXX verified no payment due for XX/XX/2020. I told Mrs XXXX that's not so, the XXXX not mine. I paid XX/XX/2020 XXXX. For XX/XX/2020. And they need to fix the problem and stop using my act. I pleaded with Mrs XXXX please give my request to higher ups. Mrs XXXX called me 2 more times wanting training for her supervisor position with Quicken Loans. I told her every thing as a customer and she still tried to get me to do something I don't know anything about Quicken loans acct payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the record reflecting a chapter XXXX bankruptcy that is over 5 years old last month with Experian and XXXX  XXXX Docket # XXXX ) however XXXX XXXX states that according to federal law they can report Voluntary Dismissed Bankruptcys. My case was not a voluntary dismissal, the Court that deemed my bankruptcy " ineligible '' due to me not having enough debt and my purpose for the bankruptcy was to deal with fraud and identity theft issues that I was a victim of. I was young and did not know any better so the courts signed an order to dismiss the case because they deemed me ineligible for the chapter XXXX. Therefore according to XXXX  previous statement in response to my previous dispute, " it is XXXX policy to report discharged or voluntarily dismissed bankruptcies, regardless of the chapter filed, are reported for seven years from the date the bankruptcy was filed. '' My case was not a voluntary dismissal. Please see attached court order. 
Please remove this from my record it has caused me to be held back long enough and I did not know to even fight for myself. 
Thank You!
Product: Debt collection

Midland Credit Management Inc Has been harassing me on the phone & in person and contacting me late hours off the night and early mornings without my consent and harassing me and telling me they will distort my credit history & information in a negative way for any account I don't own and that has been dismissed and closed. I never signed a contract or done business with Midland Credit Management Inc. This manner that was done breaks ( FDCPA ) practice Act. I don't own this account and account is closed due to ID theft. The account amount was dismissed & Closed. I'm not responsible for this account & inaccurate amount. I'm requesting that MIDLAND CREDIT MANAGEMENT INC CLOSE ACCOUNT, MY INFORMATION FROM ALL THERE DATA BASES AND DISMISS THIS CASE.

FDCPA Practice by Midland Credit Management Inc was Broken.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report on XX/XX/XXXX I notice that Equifax is currently reporting inaccurate information on my consumer report. 

The account under the name : XXXX XXXX XXXX reports a missed payment back in XX/XX/XXXX. This is inaccurate reporting. My bank records shows that this account was last paid in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act 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 ( XXXX XXXX  BANKRUPTCY ) I DID NOT COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Debt collection

The debt is not mine to pay, as I am and have been a consecutive recipient of XXXX. I have spoken with the insurance companies as well as the XXXX XXXX XXXX where the bill originated. There was a mix up with the insurance however, they have corrected then matter and it is being processed but the collection agency refuses to remove the account from my credit report. 

I was unaware of the existence of the matter since the information they have is dated. Both insurance companies are listed on the date of service but there was an error that led the insurance to submit the incorrect XXXX. Since they have fixed the issue and I spoke directly with the supervisor to ensure the company timely filing for their mistake. Either way I am not liable for a bill when I am insured current and retrospectively. 

I will fax in the correspondence I have received from XXXX XXXX which corrected the issue so that the correct insurance company which is XXXX XXXX can be billed. I also contacted the XXXX directly and they sent over a letter regarding the matter and dates of coverage.
Product: Debt collection

A collection agency had reported I owe a debt I wasnt notified I found it on my credit report then them about it and told them it 's not mine and they wo n't remove it I have a right yon dispute before they ruin my credit they never gave me notice to dispute this collection just marked as a collection on my credit report shame! Also they wo n't remove it do n't they need proof or have to prove it?
Product: Debt collection

Dont know anything about this debt or we never put our selfs in this debt. We believe you got the wrong person
Product: Debt collection

This collector is contacting my job and I am absolutely prohibited from receiving such calls at my workplace.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX  Account # XXXX XXXX  XXXX XXXX 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 an account without my written instructions. 

To Add the company XXXX XXXX claims to report accurate information, but according to the XXXX of XXXX XXXX XXXX, and XXXX, there's no record of the alleged auto loan. It seems as if the alleged auto loan is ONLY REPORTING with one credit agency in which is EQUIFAX who's refusing to update accurate information. XXXX XXXX is clearly in noncompliance with recognized METRO2 Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, The list of home addresses, and 2 employers below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX  XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX Employers : XXXX XXXX XXXX XXXX XXXX 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 consent, or 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. 1681s-2 ( A ) ( 1 ) 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: Debt collection

I have gotten several texts from Valentine & Kebartas but never a call, letter or other communication. Don t know how they got my number or what theyre texting about. Reported as junk to block the number and they keep coming. I dont have any debts that are not addressed on a regular basis by me. They need to stop this. V & K - Debt Collector : Don't forget about us. You missed your payment. To pay click XXXX XXXX XXXXXXXX To optout txt STOP
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681c. ( a ) ( XXXX ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years.Pursant to 18 USC 8, I owe no debt, This company is violating my consumer right to privacy pursuant to 15 USC 1681b XXXX has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 These are the following accounts that are fraudulent on my consumer report US DEPT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( XXXX ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Debt collection

The company has been refusing to properly validate a debt that has been on my credit report for a long time, and I have been damaged as a result. The company claims that I had an original account with some other party and they have been assigned the right to collect it. They need to provide proof of everything about that to me. They need to provide the original contract between them and the original creditor with a true signature and a signature of a qualified employee of that original creditor, they need to provide the full accounting, they need to provide proof of the assignment or the purchase they made from the original creditor. The right of subrogation does not exist for a stranger to the transaction. XXXX, XXXX. There is no right to substitute someone or some entity that was not on an original contract. It is not allowed. I have never done business with this company and I have no idea who this company is. Additionally, I know they have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize them to have access to the information. I intend to pursue filing a legal complaint unless they immediately delete this item from my report and stop all attempts to collect. Of course, I want that in writing too
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I paid for computer clean up services via XXXX from a guy with the XXXX  name of who has a company name of XXXX XXXX XXXX XXXX ( email : XXXX ) XXXX ( name on XXXX ) on XX/XX/XXXX. He asked for {$200.00} for his services and then claimed that he did not receive the funds when the funds were sent via XXXX. 

I complained to Capital One and they claimed that there was nothing they could do to retrieve the funds because XXXX is a 3rd party entity. Capital One also refused to pursue a second claim because the initial claim was completed and they have decided to not reopen the claim for full resolution. I was scammed out of {$200.00} from a guy on XXXX who probably changes his name after every scam he performs. I also contacted XXXX directly and they have never responded despite a complaint filed and the transaction number that was given to them.
Product: Checking or savings account

I have a cash app card provided by XXXX XXXX. I went out of town and lost my cash app card and the next day there were fraudulent charges totaling {$2100.00}. I contacted the company they took forever to respond to me they had no live agent help over email and XXXX  they were extremely negligent and not helpful at all. I explained the situation and what occurred and they had no response to anything I explained they simply just denied my claim and said that the card had been used and the PIN was entered. They don't know that my tablet was also in my bag that had my card and that most of my financial information is listed there. Regardless they showed that they could care less responded late and very vague and never addressed anything I sent them simply all they did was ask me a few questions and I responded and that was it I felt like I was talking to a robot everything that I mentioned that did not have to do with the questions they asked was disregarded and ignored. The fraudulent charges all occurred on the XXXX of XXXX. The first one was for {$970.00} followed by another charge for {$53.00}, and {$400.00} and {$87.00} and {$54.00} and {$580.00}. The company told me the decision is filed and pretty much has not offered any live support and ignored all my emails and never responds to me.
Product: Mortgage

XXXX is showing I was 30 days late on my mortgage payment with Bank Of America, from XX/XX/XXXX-XX/XX/XXXX. Per my two phone conversations with Bank Of America on XX/XX/XXXX @ XX/XX/XXXX they checked back and said I was never late with any of my mortgage payments and also my first payment was due XX/XX/XXXX and it was paid on XX/XX/XXXX. Also Bank Of America told me I had the pay plan which is biweekly so there is no way that I could have been late on my payments which you are showing. 
Please have this matter resolved ASAP and let me know the status of my request. 

Thank-You XXXX XXXX XXXX
Product: Credit card

I am a victim of Identity Theft. I had thousands of dollars of fraud on my personal checking account and multiple credit cards. I reported this fraud to PayPal where I have a credit card and a PayPal Credit account. I reported fraudulent transactions from XXXX, there is a transaction for XXXX and for XXXX XXXX. I didn't ever hear back from PayPal, and now I have received a letter stating my account closed due to too many returned payments. I have my account set on autopay for my XXXX subscription and apparently not only have I been making monthly payments for fraud, there are also payments from fraudulent bank accounts. My credit has tanked, and I would appreciate some help with this.
Product: Checking or savings account

I have tried for the last several months ( with the help of my husband ) to resolve my issue with the Bank. No resolution.

In XX/XX/2012, i was convinced by the Branch officer to open a savings account and make monthly transfers from an checking account i had with the Bank. We transferred {$100.00} and then {$10.00} a month. What I recently realized that the Bank was charging me {$5.00} a month in fees. In 6 months i was charged {$30.00} in fees on deposits of {$150.00}. Interest credited was XXXX cents.

This was not a best practice by the Bank. They should never have opened these accounts with these very high fees. Not in the best interest of me and the many other thousands of customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

XXXX XXXX XXXX, Account : XXXX XXXX XXXXXXXX XXXX, Account : XXXX XXXX XXXXXXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXXXXXX XXXX Account : XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX Account : 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.

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 1681s-2 ( A ) ( 1 ) 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: Credit reporting, credit repair services, or other personal consumer reports

I 've discovered I was affected by the Equifax data breach that was reported last week. 

I could n't tell you exactly what was leaked because they have n't deigned to own up to any of their egregious mishandling of my personal information. 
No call. No letter. 
I had to check a buggy website of theirs that froze constantly and simply told me I was affected, not much else aside from the option to sign up for a service. 

I tried to obtain a copy of my credit report from the annualcreditreport.gov website but it only showed me one companies report and then reported an error. I was able to submit a comment about that and heard nothing back. That 's all I can do it feels like, leave meaningless comments. 

I had no choice when it came to Equifax collecting my information. Why are we consumers at the mercy of a huge unseeing uncaring conglomerate when it comes to the handling of our information? 

The fact that this breach occurred in the beginning of XXXX and Equifax delayed informing the public a whole month so the senior executives could sell off shares in the company is just despicable. Legal consequences and reform are sorely needed here. 

I feel utterly powerless in this situation. 

How can I protect myself for identity theft at this point?
Product: Credit reporting or other personal consumer reports

Hello I sent a letter to all 3 agencies plus XXXX XXXX about non verifiable information on my report. They have responded that its accurate and verified but the court clerk and pacer both stated that they do not report information to credit agencies. 
This information is being unlawfully reported and they refuse to remove it from my report. when I responded to their letter saying its verified I never received a responded after 60 days. 

this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 
You are improperly reporting an alleged Public Record to the credit bureaus that is clearly in noncompliance with recognized XXXX Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit. Without being certifiably compliant with XXXX reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less a public record that was not even reported to you by the alleged Court of record. I formally contest the reportability of the alleged Public Record.
Product: Credit card or prepaid card

I rented a car in XXXX from XXXX XXXX XXXX XXXX in XXXX, Florida. Their online policy states that they take a {$250.00} deposit to be refunded when the car is returned. They never returned the deposit. I tried to contact the company and they never responded. In XXXX I contacted Chase Bank, as it was their Southwest credit card.  They refunded the money, then recharged my account in XXXX saying that XXXX " denied '' the dispute. No reason or explanation was given. As per Chase 's instructions, I faxed Chase the XXXX written policy and the contract with XXXX that says that XXXX will refund the deposit when the car is returned. Chase never responded to me. I called Chase again and an agent said that they ( the credit card company ) are " deciding '' the matter. Again, I never heard back from Chase. When I asked to speak to a supervisor, the agent said that they don't have supervisors available, and that " supervisors can't do anything ''. Again, no reason or explanation was given for their " decision ''. I then went on line and saw that many other people complained about this practice. It seems that Chase and XXXX may be in collaboration in this underhanded scheme, and many other people are scammed in this same manner! .I was under the impression that credit card companies must look out for their customer, and that consumer businesses must be held to their written contracts. I have all the documentation, and can send that to you. Please help.
Product: Checking or savings account

my mother lives with me and has been paying me rent for four years. her biological daughter was just put on her account as a joint holder in XXXX of XXXX she managed to change up our mothers bank information for her own financial gain, before she was able to do that i was able to secure our mothers funds and transferred them to my account. as of XX/XX/year> the daughter reported all XXXX  transactions between me and our mother from the entire prior year, including transactions that were made before she was added as a joint holder. I have evidence that the daughter knew about every transaction and that our mother isn't the one disputing them.