23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX/XXXX/XXXX I received letter dated XXXX/XXXX/XXXX from Midland Credit Management in reference to a balance owed from XXXX XXXX XXXX in the amount of $XXXX.XXXX.
Product: Credit card or prepaid card

I have a Torrid credit card that is through Comenity Bank. When I was approved for the credit card my assigned credit limit was {$300.00}. I never went over my credit limit nor was I ever late with my credit card bill. In XX/XX/2022 I found out through my credit bureau reports that Torrid/ Comenity Bank raised my credit card limit to XXXX Once again I never went over my credit limit nor was I ever late with the credit card bill. In XX/XX/2022 I paid off my entire balance of {$230.00}. When I went to look at my account to make sure no interest was due I saw that Torrid/Comenity Bank had lowered my credit card limit to {$100.00}. When I spoke to Torrid/Comenity Bank they were unable to provide me an answer as to why my credit card limit had been decreased and that someone gives me a callback. To date, no one has called me back. 

Each and every time that my limit is raised and decreased it hits my credit bureau report and it could have a potential positive or negative effect on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX are attempting to collect a debt on behalf of XXXX XXXX. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX is reporting incorrect information to Experian. On my report XXXX XXXX XXXX is listing the date the account opened as XX/XX/XXXX which is not correct. When I requested the debt to be verified they forwarded documentation from XXXX XXXX with the date listed as opened on XX/XX/XXXX and that it has been in collections since XX/XX/XXXX, but been past due since XX/XX/XXXX. 
There's XXXX conflicting dates on the documentation forwarded to me in their attempt to verify this debt. By law they are required to report accurate information and that's not being done.
Product: Money transfer, virtual currency, or money service

I made a wire transfer to Coinbase on XX/XX/XXXX, and they said it was declined due to a name mismatch, and that they will be returning this wire back to my bank within 7 business days. After 7 business days, I sent them an email, and they stated that they were dealing with higher than average requests time, and that they needed more information about the wire ( reference #, XXXX #, full name, etc. ). I quickly reply to that email providing all the information necessary. This was onXX/XX/XXXX 

On XX/XX/XXXX, they replied stating that they recently experienced delays with wires due to high volume and the additional manual processing that they require, and that all delayed wires from their backlog have been processed ; and that I should receive my funds within the next 2 business days. 

I sent them another email on XX/XX/XXXX about the status of my wire, and I have yet to receive a response. I have only been receiving automated responses, and it is now almost XXXX. This is ridiculous. WHERE IS MY MONEY? 

Case ID : # XXXX
Product: Debt collection

Q DATA INTERNATIONAL IN, XXXX XXXX, 2013, {$1000.00}, I 've requested documentation of the debt, received no contact info and its damaging my credit
Product: Credit card or prepaid card

Initiated a {$500.00} bill payment to Discover on XX/XX/XXXX on their app to pull from XXXX XXXX. Payment posted on XX/XX/XXXX with Discover. Was showing pending from XXXX XXXX. Payment returned some time during the night between Tues and Wed morning before I woke up. Finally got an email from Discover fri night saying your bank informed us they could not locate your account. The XXXX XXXX account has been around for several years and their bill pay has been from the same account they couldnt locate according to Discover. 
Another issue that thur. A {$400.00} bill payment to Discover over the phone from the same XXXX XXXX account was put on hold. Well another issue with giving them my money within 5 days. 
Discover is hiding behind their name and their agents canned and robotic type responses. And they make me out to be the problem? Ive never ever had a return in full of payment quite anybody unless Im returning a product. And then the hold mess too.
Product: Credit reporting or other personal consumer reports

I sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across XXXX, XXXX and Equifax. They ( XXXX ) received that letter with certified returned receipt on XX/XX/year>. Their response was a " canned '' response that all is well and they are reporting EVERYTHING accurately. A second letter was sent today ( XX/XX/year> ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Saw today on my Experian Credit Report. XXXX XXXX XXXX from Original Creditor : XXXX XXXX XXXX XXXX I owe {$450.00}. This is wrong. I never went to XXXX XXXX XXXX. This account dose not belong to me. I am a victim of identity theft. This is not my account need to be taken off Experian.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I received an email from my XXXX  career fair for a job listing that is supposed to help me make {$500.00} a week so that I can stand up on my feet while doing XXXX. Anyway, I talked to the person indicated in the email for further action. This person emailed me 2 checks and asked me to Wire money and send the XXXX amount to the person who's supposed to get the job done. I DID NOT WIRE OR SEND ANY MONEY UNTIL THE CHECKS WERE SETTLED AND CLEARED IN MY BANK ACCOUNT. THEN AFTER 22 DAYS XXXX Wells Fargo REVERSED THEESE 2 CHECKS. I filed a claim when I saw the checks revision and on XX/XX/2022, I received a letter saying " YOUR INQUIRY IS DENIED ''. I have been suffering financially and emotionally since Wells Fargo REVERSED THEESE 2 CHECKS. I have never seen a bank in history takes 21-22 days to validate the creditor bank account. I am a XXXX. I live on XXXX XXXX XXXX XXXX XXXX, and Wells Fargo doing that to me.
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 CT XXXX, FL XXXX XXXX XXXX Opened : XX/XX/XXXX {$0.00} Repossession XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} Charged off XXXX XXXXXXXX XXXX Date XXXX Balance Owed : {$2700.00} Charged off XXXX XXXX Date XXXX Balance Owed : {$3400.00} Charged off XXXX XXXX Date XXXX Balance Owed : {$10000.00} Charged off XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Date XXXX Balance Owed : {$4500.00} Collection XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX
Product: Student loan

In XX/XX/XXXX when the student loan pause ended, Mohela notified me that they were charging me about {$1500.00} a month in repayment. I notified Mohela in writing that I can not afford that payment. When no response came within 4 weeks, I phoned Mohela. During the XX/XX/XXXX call, a new payment plan was set. The new monthly payment was around {$350.00} a month. When statements arrived, the bill did not reflect the new plan. It was the original plan. I sent several messages. When I received responses, Mohela instructed me to call, despite the fact that I asked for the exchange to stay in writing. With no further reply from Mohela, and knowing that a XX/XX/XXXX deadline to self certify was approaching, I called Mohela again. During the XX/XX/XXXX call, I advised that my spouses annual salary decreased. A new payment plan was calculated, putting my monthly payments at around {$250.00}. After the call, I received a notice online from Mohela that they refused to honor the new plan due to an increase in salary or a change in household dependents. I explained in writing that neither was true. If they were counting household decrease, we lost an adult child to XXXX in XXXX, but we did not claim her on our taxes. 
Mohelas reply was a garbage response, saying to call them. Again and again I said I preferred to keep our communication in writing. I have all the messages in my Mohela account. I asked them to honor one of the plans agreed upon during the last two calls. I mentioned the governments invitation to testify and stated that I am a borrower willing to pay. All Mohela has to do is lower my payments and honor one of the agreements made over the phone. Mohelas last message to me was since my situation is so complex, I needed to call. Again, today, I replied that calling is too risky for me because the company does not honor agreements made over the phone. I also said that the situation is not complex. Just honor a pre-agreed plan. I even made an extra payment online. However, even though my loans are on forbearance, if I try to pay less than what they want, Mohela forces borrowers to check a box acknowledging your credit can be ruined by paying less. Refusing to check that box left me unable to make a payment on some loans.
Product: Checking or savings account

Money was posted, but when I used my debit card I got overdraft charges
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to apply for a loan and their were 4 hard inquiries on the credit report that I don't recognize or authorize as the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed this complaint ID XXXX with the cfpb and named XXXX and equifax in XXXX of 2023 XXXX  agreed to remove the negative account from my consumer report XX/XX/XXXX I believe. Well it's still reporting. I have a letter from XXXX saying they will remove it equifax said they validated the account which can't be true. I called XXXXXXXX  they agreed that they requested it no longer be reported. I will provide the letter from XXXX
Product: Mortgage

My Mortgage with XXXX was sold to BMO Harris Bank in XXXX of XXXX. I have never had an escrow account as part of my loan agreement as I originally paid 20 % against the sale value of my house. After my mortgage was transferred I continued to pay my monthly payments as usual until I received a statement in XXXX of XXXX where it indicated that BMO Harris paid my year end property taxes and Homeowners insurance. On top of that they paid XXXX dollars more against my property taxes then the actual cost. All property taxes were current and on top of all this I had paid my property taxes and Homeowners insurance as well. BMO Harris never told me nor should they have ever paid my taxes or homeowners insurance. As a result of BMO Harris paying my taxes and insurance they have now issued me an adjusted statement stating that my escrow account is {$26000.00} in arrears and that they are adjusting my monthly mortgage payment to address the escrow shortfall. My new monthly payment would now be in excess of {$6700.00} per month. I have been in contact with both their customer service department and Escrow department continuously for the last two months. They have freely admitted that when they took over the mortgage account that they set it up in their system incorrectly which resulted in their paying out of an escrow that does not exist. They keep telling me that they are going to fix it and get their money back from both the XXXX and insurance company. My mortgage payment is out withdrawn from my bank account around the XXXX of each month and as of XXXX XXXX, XXXX they started withdrawing the {$6700.00} from my account which now has created serious financial difficulties for me. The bank is in breach of their fiduciary responsibilities and perhaps other laws that I am not privy to however I need this remedied. BMO Harris has been woefully non responsive in trying to resolve this and it would appear they just keep putting me off. Next step is legal.
Product: Debt collection

On XX/XX/XXXX I received a notice on my credit report that a collection had posted to my account. Very aware of my credit this was an immediate error in my mind. The debt appeared to be from XX/XX/XXXX, original creditor being an XXXX XXXX. The phone number of the credit collector was a bit cryptic - During business hours there's never a live person answering, the phone actually didn't ring, leading you to believe you may have dialed an incorrect number but seconds after you're looking at the phone to double-check the phone number you called, a broken up voicemail comes on giving you an option to only leave your name and number. ( no options to speak to someone ). I left a voicemail and asked for them to send notice of the debt in writing - I did not receive nor did I receive a call back. 

XX/XX/XXXX I filed a dispute through Experian. XX/XX/XXXX, I received a dispute notice that the creditor has validate a debt owed and the collection will remain on my account. 

I have never received any notice of this debt - yet I can't get the creditor on the phone. This is unfair to my rights. My credit score dropped 40 points with the add of a collections I can't properly dispute because I haven't seen a bill ( not from the original creditor or the collections ) My complaint is XXXX XXXX as listed on my credit report is operating under unfair practices. My rights have been violated when they placed a collections on my report damaging my credit worthiness yet they can't dignify me with an end to end conversation to give me information I need to protect my rights and my credit history. I will now go on a journey of trying to contact a company with an amateur 's business stature ( hiding behind a a voicemail system and XXXX XXXX ) while they make unfounded accusations that damage my credit worthiness until this dispute is resolved. 

XXXX  XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA XXXX and TransUnion are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX ( Original Creditor : MEDICAL ) XXXX Balance : {$31.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$100.00} ; If XXXX and TransUnion feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If XXXX and TransUnion do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert that XXXX pulled a hard inquiry without my consent, and others are complaining of the same on XXXX and XXXX. I, along with thousands, have not been able to pay my bill or access my account in over 3 weeks, no online payments, or customer service etc. is available. So not only did XXXX report as delinquent which dropped my score, now they pulled a hard inquiry for some reason and dropped my score even more and as of today they are still unreachable and the website is down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureau many times about these four accounts that are still showing incorrect status & account balances. one account is on my credit profile twice with different balance & status. 


XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX   XXXX - XXXX XXXX XXXX XXXXXXXX - XXXX
Product: Debt collection

XXXX charged me a bill for {$140.00} : {$100.00} cancellation charge and {$43.00} for service. I told the representative that I moved and kept XXXX services, but the representative said that caused a breakage of the contract. When I asked for agreed upon contract, the representative did not have any records, but continued to threaten me with " hitting '' my credit report, which would cause future financial hardship. Then, the {$43.00} service was for internet services 45 days after my cancellation. When I asked why I was charged twice ( as I was using Xfinity from the new move ), the representative, again, referred to the contract, I, again, asked for the contract and was not supplied it. 

Nevertheless, I paid {$90.00} to settle everything, but the business practices of XXXX are unethical. When I turned in my equipment, I was told by the XXXX sales associate that everything was " good to go. '' Two years later, I received a letter for back payment with erroneous and made up charges.
Product: Debt collection

This is in reference to allegations put forth from XXXX Wednesday, XX/XX/XXXX XXXX XXXX XXXX. The date of last payment was made XX/XX/XXXX. which is past the statute of limitations for collection. 


2. I paid the full amount of XXXX on a purchase that was only XXXX. 


3. They didn't inform me that my payments where a dollar shy causing late payments of XXXX a month for two years.

4. Under this my payments never went down. XXXX never sent notice that this was what was happening. 


5. Contract broke by them not informing me to why my payments never decreased and always increased the amount owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

BAsically I applied to Equifax for enrollment and monitoring about a week after the announcement because I was one of the breach victims. They said they would get back to me. I tried again on their website and found, rather unbelievably, one had to have a mobile phone to complete the application or one could n't finish it. I gave up my phone because I do n't use it much. So this preclude many people like myself from application. I wrote complaining and received a form reply telling me they would contact me. So I am effectively at risk a month after trying to rectify my situation. There was no option on the site to enter any other data for qualification than the mobile phone number. Equifax does n't really give a XXXX. 

PS The site mentioned in the attached reply is the one I mentioned.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two late payments listed on a XXXX XXXX XXXX account for XX/XX/XXXX and XX/XX/XXXX, but there were never any late payments made to the account. There is no information listed from XX/XX/XXXX, when the account was opened, through XX/XX/XXXX aside form those two " late '' payments. I've submitted these to have the negative information removed, but have not had any success even though it's obvious it's incorrect with all the missing information and dates which do not line up.
Product: Debt collection

XXXX XXXX is attempting to collect a debt that may be owed by an LLC which my husband was previously a XXXX XXXX, but is no longer associated with. My husband received a letter addressed to the company stating their attempt to collect a debt. 

On XX/XX/2020 XXXX XXXX from Rocky Mountain Credit called my employer at XXXX XXXX Pacific Daylight Time and left a message on their sales hotline asking that I return his call. 

On XX/XX/2020 XXXX XXXX from Rocky Mountain Credit called my cell phone at XXXX XXXX  Pacific Daylight Time. I answered and he immediately asked if it was me on the line. I asked who was calling and he said XXXX XXXX. I asked what the call was about and he said " The XXXX XXXX XXXX   Situation '' He asked to speak to my husband or Mr. XXXX. I told him I could not help as I was not in contact with Mr. XXXX and my husband was no longer a part of XXXX XXXX XXXX. He continued pressuring me, stating that my husband was liable for this debt, that there were " many angry brides lining up '', that " what we were doing was wrong '', and that we " better get this taken care of ''. I felt harassed because he kept pressuring me for answers which I did not have in regards to a debt which is not mine or my husbands but belongs to an XXXX, XXXX XXXX XXXX. XXXX XXXX also did not communicate who he was working for. I had to ask for the information specifically towards the end of the call at which time he admitted he was working for Rocky Mountain Credit, a debt collection agency out of XXXX, MT. 

On XX/XX/2020 he also contacted my husbands mother at her place of work, A direct violation of the Fair Debt Collection Practices Act.
Product: Credit card

Kindly update my account this causing me a lot of stress and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to challenge the inclusion of inaccurate and faulty accounts on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any incomplete or incorrect information on my credit report. After reviewing my credit report, I have identified multiple accounts that contain inaccurate or false information. The accounts in question are : XXXX XXXX XXXX Balance Owed : {$750.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1400.00}. I am requesting that you investigate this issue and correct any inaccuracies that you discover, in accordance with Section 611 of the FCRA, which mandates that credit bureaus investigate disputes within 30 days of receiving them and correct any inaccuracies found. Additionally, Section 609 of the FCRA requires credit bureaus to provide consumers with a free copy of their credit report if their dispute results in a change to their credit file.
Product: Mortgage

I have tried and tried to reach Ocwen/XXXX XXXX XXXX. I have called repeatedly, waiting on hold for sometimes 1hr then abruptly dosconnected- I have sent several emails, to include a modification application and never get a response. I have requested 3times via US mail, a in person meeting to discuss my options - or even get a pay off amount -
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act American Credit Acceptance and XXXX XXXX has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card under a open-end consumer credit plan as late for any purpose.