23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Someone named XXXX XXXX keeps calling my cell phone & my place of work. When asked what it 's regarding she says it 's a legal matter, when told I 'm not at work she harasses my coworkers saying " what does that mean?, what do you mean she 's not at work '' Multiple times, and they tell my coworkers it 's a legal matter attached to my social security #. If I do n't call legal action will be taken. I have no idea what this is in regards to, when I looked up the company STP processing they are not accredited by the XXXX and have a false address. I would like these calls to stop, it is harassing me at my place of work and embarrassing when I have no idea what it 's about. They call from XXXX
Product: Debt collection

I received an email on XX/XX/XXXX from TrueAccord Corp, a debt collector. They state that they are trying to collect a debt that I allegedly owed to XXXX XXXX XXXX XXXX XXXX of whom the original creditor was XXXX XXXX  They claim this debt is from XX/XX/XXXX in the amount of {$460.00}. 

I've do not recall having an account with XXXX and would like to dispute as well as point out that Under O.C.G.A. 9-3-24, debt ( of all types ) have a 6-year statute of limitations for collections. Since this is a debt reported from XXXX and it is now XXXX, that puts TrueAccord in violation for trying to collect on an charge that is no longer within statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance : {$260.00} ; XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX ) XXXX Balance {$1100.00} ; XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX Balance {$950.00} ; XXXX XXXX XXXX Balance {$2200.00} ; XXXX XXXX  XXXX XXXX XXXX Balance {$1500.00} ; XXXX XXXX XXXX XXXX Balance {$630.00} ; XXXX XXXX XXXX XXXX Balance {$690.00} ; XXXX XXXX XXXX Balance {$3600.00} ; XXXX  XXXX Balance {$4500.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CN XXXX XXXX, CA XXXX XXXX XXXX XXXX CT XXXX, CA XXXX ; XXXX XXXX WY XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX.
Product: Debt collection

Company called a family member and my place of work multiple times, starting XX/XX/XXXXst and continued calling on XX/XX/XXXX. They told both they were trying to collect a debt from me. They did not call me or try to mail anything to me. When I called them, they told me the original creditor was a day away from suing me and I needed to pay XXXX XXXX XXXX that day. They only sent me an " offer letter '' email ( attached ) and would not send me any physical mail. They gave me no information to validate this alleged debt, and the bank says I don't owe them money and they were not in the process of suing me.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX Is attempting to collect on a debt I do not owe. This debt has been paid. Also, I did not receive any notifications about this debt, no phone calls, and no letters. I only knew about this debt because I checked my credit. This is a violation of my 30 day right to dispute per the FCRA. As soon as I found out about this debt, I called and paid. This account needs to be removed off of my credit file for " 30 day right to dispute '' Violation. This was a medical debt and also violating HIPPA Policies.
Product: Mortgage

I have requested in writing to Carrington Mortgage that my PMI be removed from my loan. 
My balance is less than 78 percent of the original value of my home. and about 45 % less than the current value of my home. There is no reason for me to still be paying the PMI charge each month. Carrington Mortgage does not automatically terminate PMI on the date when your principal balance is scheduled to reach 78 %. My loan is up to date and the PMI should be terminated. 

The Consumer Financial Protection Bureau states : Automatic PMI termination Even if you dont ask your servicer to cancel PMI, your servicer still must automatically terminate PMI on the date when your principal balance is scheduled to reach 78 percent of the original value of your home. For your PMI to be cancelled on that date, you need to be current on your payments on the anticipated termination date. Otherwise, PMI will not be terminated until shortly after your payments are brought up to date.
Product: Mortgage

I have supplied caliber home loans with a detailed payment history from my bank showing a consistent pattern of dated biweekly payments that has been received and cashed by their company yet the company continue to report my account 30 days and 60 days late to the credit reporting agencies. I have ask caliber on several occasions via letter over the last 3 months to please correct this or provide me with proof disputing my payment history from my bank. Their only response has been a predetermined letter stating according to our records this account is reporting correctly. There has never once been any written proof and or documentation provided by caliber to dispute my claim or substantiate theirs just that letter. I believe this to be a predatory lending tactic to prevent patrons from leaving a poorly represented company by lowering its consumers credit ratings. As previously stated there has been a biweekly payment sent to caliber home loans on my account since XX/XX/2014 to present. There is no way my account could have ever been 60 days past due let alone 30 days with biweekly payments being made every two weeks for nearly 2 years consecutively. ( I have documented proof ). Caliber accounting department has held payments and applied two payments at the same time and reported my account as being late. I have documentation of the cancelled checks with the date they were cashed by caliber home loans. This information was supplied to both caliber home loans and all the credit reporting agencies and caliber is still reporting false information and refusing to change it.
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 RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA SAVINGS BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, LA XXXX RE : Fraudulently Obtaining Consumer Credit Reporting Information To Whom this notice may concern, You are in violation of Credit Reporting act 15 USC 1681 ( b ) for unlawfully obtaining my XXXX, Experian, XXXX and XXXX XXXX XXXX XXXX consumer report without my authorization and permissible purpose under the Fair Credit Reporting Act. 
As a result of you unlawfully obtaining my consumer report without my permission, you are liable to actual damage or statutory damage for up to {$1000.00} in punitive damages. I am willing to settle this matter without admitted liability. Cease and desist on obtaining copies of my consumer report from consumer reporting agencies and pay me {$1000.00} in punitive damages and deliver it to my address above within the next 14 days of receiving this demand. 
Please be advised that I am prepared to place a commercial lien on your company if you refuse to comply with this demand.

At the time of received payment this letter will become a general release of all claims herein. 

Kind regards,
Product: Credit reporting or other personal consumer reports

Good day, I recently reviewed a copy of my credit report. I found numerous inquiries from creditors who I did not get my permission to pull my credit report. These inquiries are fraudulent. Please remove these inquiries from my credit report. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

CITI closed my new XXXX credit card without prior warning. The account had a recent credit line increase and was in good standing, never a late payment and fairly new. They said they closed it due to too many credit inquiries, which I do n't see how that is any of their business. This bank has the right to close account of course, but how they are doing it is unfair to consumers. They should provide a few days notice at least so you are n't caught off guard with a rejected card in public.They should not be allowed to do business this way. I performed a search online to see if this has been happening to others and found several complaints going back many years. If there is anything you can do to make them change this practice, it would help consumers. We deserve a little advance notice. It 's so unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained copy of my credit report and noticed unauthorized accounts reporting on it.
Product: Credit card or prepaid card

I had my stimulast check deposited on to the American express serve card on XX/XX/2020 but my balance on my serve card still says XXXX tried calling customer service and get a message saying they have no info on stimulast payments and hangs up called the irs and said to contact the bank got aletter today from the department of treasury stating my check was deposited into my acct ending in XXXX .. There is no other way to contact american express serve to talk to anyone.
Product: Debt collection

Alleged date : XX/XX/year> Alleged amount on listed on report : $ XXXX Currently {$1400.00} Negatively attacked my credit report. 
No communication/correspondence/outreach made to this writer by said company. 

This writer is unaware of this company and why it is imposing false claims on my credit report. 


This writer was a tenant at apartment complex and fulfilled lease agreement. Move out statement attached with copy of check noting balance PAID IN FULL.
Product: Credit reporting, credit repair services, or other personal consumer reports

The late payments were part of a XXXX deferred program and should not be counted late or missed
Product: Debt collection

This company isnt bonded and is an illegal company ( based in XXXX ) that falsely reporting two accounts on my credit reports. 

Please investigate them and have them remove these XXXX  accounts from my report that isnt mines ( XXXX and XXXX )
Product: Debt collection

This debt is not mine. First, Midland Funding LLC tried to collect I requested verification of the account, the information was not provided. Now, I received another collection letter from a different company for the same debt.
Product: Mortgage

Why do you think that this loan was a meeting of the minds. I got this loan for a stated purposeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You knew that. You made assurances to a XXXX  knowing that. You know of the lawsuit I filed prior to signing the loan docs. The law suit states I will not give up my right to court. But the loan not only takes away my right to go to court but also goes against public policy by causing a default if I report any crimes that your XXXX XXXX XXXX  Then the loan takes away any remedy a judge XXXX find. You demand repayment of any law suit I win against you. 

There is no way that there was a XXXX XXXX XXXX XXXX and you knew that. It was an active concealment on your part to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  That is fraud!!! 

Why do you think that is ok to continue to do and XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Toyota FInancial botched my lease return and then dinged my credit, sent threatening letters and after many hours on the phone, and back and forth - including filing a previous complaint here on CFPB finally acknowledged the car had been returned on time and all lease payments made. They retracted that credit organizations to restore my credit. 

They have decided to get 'even ' by sending a threatening letter demanding collection of excess wear and tear fees ( which were already deducted as part of my purchase of a new vehicle in price negotiations ) - instead of just billing me after the long drawn out process they sent it directly to debt collection! 

1. The letter sent misstates the date the car was returned : I returned the car before the lease was over on XX/XX/XXXX not XX/XX/XXXX as stated on their debt collection letter. 

2. There are disposition fees and taxes added - which are all superfluous and were never stated in our lease contract 3. The letter said to get a condition report of the vehicle to go to XXXX. XXXX said to contact the leasing organization. The interior of the car was in pristine condition when I turned it into the dealer. What happened to it between XX/XX/XXXX and XX/XX/XXXX I should not be responsible for. 

4. My {$22000.00} new car has ended up costing {$32000.00} because of all the superfluous fees and the mishandling of the lease return - how can I make a budget with all this rip-off going on!
Product: Credit card or prepaid card

I have been waiting to buy a home since XXXX, my credit union sent commentity bank a cashiers chgeck to payoff the card and that check was delivered on XXXX. I started a dispute in early XXXX and I was told the dispute team would take care of it and not to worry. They told me I wouldnt be responsible for making payments while they located the check and closed my account and that all of the fees I saw after they received the check would be removed. A month later my credit score dropped XXXX points because they DID report me 30 days late TWICE now!. Now I can not buy a home and EVERY TIME I send a message I get the same response " Disputes can take up to 90 days ''. 

My question they will not answer is, What other outcome could there be if we sent them copies of the cashiers check, delivery receipt, and the payoff letter? Why has it taken 2 months? Why cant I get an answer on this? They also REFUSE to sign a release of funds which would allow my back to cancel the check and wire the money. 

I am literally stuck here meanwhile I lost out on 2 homes to purchase and can not buy the car I was in the middle of shopping for. This is RIDICULOUS. Then when you reach out they tell you they're in the middle of researching it and will get it resolved as quickly as possible. I have been hearing that for 8 weeks!!! 

Please look at the documents I attached and ask yourself what you think would be fair at this point given the fact that I have spent over 40 hours dealing with this and lost the opportunity to buy a home.
Product: Credit reporting or other personal consumer reports

PER 15 US CODE 1681 ( b ) ( 2 ), 15 US CODE 1681 ( a ) ( 1 ), 15 USE CODE 1681 ( C-2 ), 15 US CODE 1681 ( a ) ( 2 ) ( a ) ( i ) these accounts need to be removed asap.

Once again per statues above this account needs to be removed asap THIS ACCOUNT DOES BELONG ON MY CREDIT REPORT REMOVE FROM ALL CREDIT REPORTING ASAP THIS ACCOUNT WAS ONCE REMOVED BEFORE AND NOW APPEARS UNDER A NEW COMPANY NAME BUT FROM SAME COMPANY THIS IS A CFPB VIOLATIONA AND THEY SHOULD BE FORCED TO PAY {$100.00} FINE PER MONTH THIS ACCOUNT HAS BEEN REPORTED SINCE IT WAS SUPPOSED TO BE REMOVED.
Product: Credit card or prepaid card

On XX/XX/2023, reached out to American Express via the chat feature on the XXXX application. Advised agent I wanted to downgrade my card. Several attempts later, after telling the agent I wanted to downgrade XXXX different times, the agent offers my a retention offer. 

XXXX states " That way you will technically pay XXXX $ fee on the card this year '' This is false, that would be for XXXX user, not a primary card holder AND an authorized user. I then stated " For two cards? One primary and one authorized user '' Amex agent responded " that is correct '' I then reached out to Amex on XX/XX/XXXX to give them an opportunity to rectify the situation. I chatted with agent XXXX. in XXXX. I explained the situation. It seemed as if she did not understand the issue I was having. Amex agents do not even know what t
Product: Debt collection

I received email communication from Associated Credit Services Inc. regarding debt from an account named XXXX XXXX XXXX. I sent a message back explaining I do not now nor have I ever had an account with XXXX XXXX XXXX and sent a formal written request that any and all communication stop including electronic mail, phone calls, USPS etc until I am provided with the proper debt validation including, but not limited to, original contract with my signature, all information from the original creditor and any other documents required under the FCRA. The phone calls resumed immediately less than 24 hours later despite receiving no form of the requested validation in direct violation with the standards set in the FCRA.
Product: Consumer Loan

I submitted a dispute regarding Houston finance and how it was reporting on my credit and they stated that they would remove the reporting from my credit and it has not been updated. Please see below. 

Case number : XXXX Back STATUS Response disputed Houston finance said : Explanation of closure We will delete the account from all XXXX Credit Bureaus. 

Response We never received direct communication from XXXX XXXX concerning her credit bureau rating. We did get a dispute from the Credit Bureau which we responded was correct. Her account was due to pay out XXXX/XXXX/XXXX. XXXX paid the account out XXXX/XXXX/XXXX which was over 120 days late. We will delete the account from all XXXX Credit Bureaus due to the fact that we did get paid and it was a long time ago. 
WHAT HAPPENED Describe what happened so we can understand the issue ... 
Houston finance has been paid off and closed since XXXX and I disputed this account with the credit bureaus and it came back as reported accurate. This account is reporting that it 's 120 days past due and that is impossible if it 's paid off not to mention it was never to the 120 days late. This account is affecting of my credit report and credit rating by inaccurately reporting the status as 120 days late. 
Consent to publish the description of what happened? Consent provided This is about a ( n ) Consumer Loan : Installment loan Which of these best describes your issue? Managing the loan or lease DESIRED RESOLUTION What do you think would be a fair resolution to your issue? 
This account needs to be deleted from all XXXX credit bureaus for violating federal and state laws of consumer reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing fraud accounts and inquiries on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a current victim of identity theft, XXXX, Equifax, and XXXX  continue to report fraudulent activity on my credit report. XXXX XXXX, XXXX XXXX XXXX ( {$830.00} ), XXXX XXXX ( {$440.00} ), XXXX XXXX ( {$330.00} ). FTC has been filed in XXXX of 2021, they did not comply within the 5-7 business days according to federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of Birth - XX/XX/ { Date } XXXX To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATIONThe accounts/ INFORMATION below are reporting incorrectly REMOVE INCORRECT PERSONAL INFORMATION I am disputing the following personal information that is showing for me which is incorrect. 
1 : Incorrect Addresses XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX 2. : Incorrect Name Variations, * NAMES REPORTED * XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX * XXXX XXXX UPDATE PERSONAL INFORMATIONAlso please update the following information which I saw your credit bureau to be missing or incomplete:1. Personal current address { XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX } 2. My proper full name { XXXX XXXX XXXX XXXX }, if the bureau has listed it incorrectly } 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. Code 1681n - Civil liability for willful noncompliance. 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results Truly, { XXXX XXXX XXXX XXXX }
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired someone to assist me in helping me with some items that were due to identity theft and reporting them to the credit reporting agencies. I also faxed my information. I have not received a response and it has been been past the time frame. I have attached copies of everything I sent to them including the agreement I signed giving them permission to help me and contact me on your behalf.