23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To whom it may concern, I, XXXX XXXX, demands arbitration with Midland Credit Management according to the card holder agreement from XXXX XXXX XXXX and XXXX. I've demanded you to cease and desist all communications that the means with XXXX, XXXX, and XXXX. I also demanded you to provide the account file and original contract that has my signature on it, account Ledger from the open date through the last date of payment activity, all accounting documents from the open date through the last date of payment activity, all account transactional history from the open date through the last date of payment activity, and When was the last date of payment. 
If you are not able to provide proof of the reinvestigation and all the information requested above, I am asking that these accounts be PERMANENTLY DELETED from my consumer report with all reporting agencies according to 15 USC 1681 i : Treatment of inaccuracies/ unverifiable information. 

A copy of the consumer credit contract is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. 
Case law : Pacific Concrete F.C.U. v. Kanuanoe, 62 Haw. 334, 614 P.2d 936 ( 1980 ). 

Re : Case # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was exposed in a multiple data breaches.
Product: Credit card or prepaid card

Someone stole my information and opened accounts fraudulently and applied and created all kinds of inquiries in my name ... ..
Product: Debt collection

repeat calls after I have asked not to call me anymore and asked not to call me during my work hours XXXX call log : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I logged on to Equifax XXXX like I usually do and received a response saying that I needed to contact customer care, so I called and they assured me that the problem was resolved and that Ill have the freeze lifted for the time frame I requested. After ( 3 ) attempts on different days and ( 2 ) calls to customer care my credit remains frozen! Ive attempted to apply for new credit and was denied due to my credit being frozen!
Product: Credit reporting or other personal consumer reports

I am sending a complaint for the XXXX time related to these REMAINING FRAUDULENT INQUIRIES that the XXXX, Equifax and XXXX XXXX failed to take action. And I will be updating my credit reports again soon. I am hoping that the 3 Credit Bureaus will remove them within 15 days timeframe : XXXX : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I filed for an income based repayment plan and every time i called they would say they needed something else and putting the account back in forebarence. When i finally argued with them in XX/XX/XXXX they said it was approved but never gave me the new payment. They put the account back in forebarence without my permission. When i finally saw my payment in XX/XX/XXXX it was the same payment i told them i could not afford in XX/XX/XXXX. Now what do i do?
Product: Credit reporting or other personal consumer reports

Equifax is reporting account that has me as an authorized account holder that does not belong to me. I know nothing of this account and have not given permission to add me to an account. this fraud reporting to my account. 

The company they are reporting to my account is XXXX XXXX XXXXXXXX IN THE AMOUNT OF {$1200.00} THIS NOT MY ACCOUNT
Product: Debt collection

Phone Calls... Text.. Emails .... Spam 15 USC 1681 Data breach .... Please remove from my Credit report NCA
Product: Debt collection

I recently received a threatening notice from XXXX XXXX XXXX XXXX XXXXXXXX ) after XXXX XXXX XXXX falsely claimed damages for which I am being unlawfully charged following my move-out from their property. 

When I vacated the apartment, I made sure the unit was thoroughly cleaned, and I personally repainted one of the bedrooms for my son. I ensured that all trash was removed and the walls were repainted white before leaving the premises. Despite this, I was later sent a bill for {$5300.00} from XXXX XXXX, which included numerous charges that were either already addressed or entirely fabricated. 

For example, one of the charges claims damage to the carpet and the need for its replacement. However, the carpets were never damaged, and XXXX XXXX has failed to provide any evidence of replacing them. This is one of several dubious charges included in the bill. 

Unfortunately, XXXX XXXX has a history of using similar extortion tactics against former tenants, aggressively forcing them to pay for non-existent damages in an attempt to extract money from them after theyve moved out. After I refused to comply with their unjust demands and challenged their collection practices, they escalated the matter by forwarding the bill to XXXX. 

XXXX then placed this collection on my credit report, along with added interest, which has severely impacted my credit score. The current balance on this collection is {$6000.00}, which I do not owe. Both XXXX XXXX and XXXX have acted in bad faith, and their actions are causing significant harm to my financial future. 

I am in the process of purchasing my first home, and this unjust collection has put that goal at serious risk. I am demanding that this collection be removed from my credit report immediately. If this matter is not resolved, I will be pursuing legal action against both XXXX XXXX and XXXX for extortion and damaging my credit. 

This situation has caused unnecessary hardship, and I expect prompt resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the past few months I have made many attempts to correct incorrect credit information. In XXXX, I decreased my credit card debt, removed 2 accounts that weren't mine and disputed another. The company that I disputed with updated the information as correct, however, TransUnion added the account as a new account, causing my score to drop XXXX points. This is per a representative at TransUnion. I called them again and have since noticed the account removed but they did not increase my score to where it was originally before they put the account on. I would like my XXXX points back. They are refusing to add them back.
Product: Mortgage

We started the home buying process with Eagle Home mortgage in XX/XX/XXXX. 
Throughout the loan process what we found surprising as first time home buyers was the lack of responsiveness and customer service to our questions or concerns. In fact, this behavior continued until days before closing in XX/XX/XXXX when we had to reach out to our Loan Officer by phone after a number of attempts to learn that our interest rate had yet been locked in! This was rather upsetting as we had many months to discuss and lock in a much lower rate. As first time home buyers we had an expectation that Eagle would have our best interest in mind, however it very much felt like we were just a number. 

During closing we were informed that our first mortgage payment would be due in XXXX and we were prepared to make this payment. In addition to this we were told we would be contacted by the mortgage company to whom we should make payments as it is common for the loans to be sold rather quickly. Come end of XXXX we still did not hear anything. So we reached out our loan officer to assist us as we did not want to miss this payment. However, there was absolutely no response to the voicemail left. Furthermore, we contacted the legal office for guidance to direct us to whom we should be submitting payments, yet this individual had no information other than to tell us that we will be contacted soon by whomever we should make payments to as it is normal for the loans to be sold. Days later we were contacted by XXXX XXXX who informed us that our loan was sold on XX/XX/XXXX and their records indicate that our first payment is not due until XXXX. We accepted this information as true considering we had recently been in contact with Eagle, and we  were contacted directly by the new mortgage company. 

After this experience, it was not until late XXXX that we received a letter in the mail from Eagle Mortgage informing us that although our loan was sold XX/XX/XXXX, we still owe them for the month of XXXX and had missed our first payment. This communication was unacceptably delayed considering our early contact efforts in XXXX to make sure we were doing everything right. 

In all, Eagle Mortgage continues to demonstrate a lack of responsiveness and does not take full accountability for how their delayed communications impact their customers.
Product: Debt collection

XXXXXXXX XXXX, XXXX XXXX, has been illegally attempting to collect a mortgage debt for the past 2.5 years and has engaged in multiple instances of fraudulent misrepresentation to both me, the state and appellate courts of Ohio, and to the United States XXXX XXXX Federal Court. 

Specifically, the Bank, by and through its attorneys, alleged that it is the new trustee in the case by virtue of being the successor in interest to XXXX  XXXX XXXX. As a result of those false statements, the bank then stated to the courts that it was the 'real party in interest ' in my case. 

In addition, XXXX XXXX itself wrote me a letter ( attached ) in XX/XX/XXXX stating that it was the 'trustee ' for the 'trust ' that owns my note and mortgage. None of the statements above, both made in court and made to me, were true at the time they were made, and they are still not true today. 

The evidence of their falsity is readily apparent by means of a fraudulent 'Corporate Assignment of Mortgage ' that was filed by Select Portfolio Servicing , INC , the servicing agent on the account. 

The assignment, which was prepared on XX/XX/XXXX, contains a number of contradictions that prove that the statements made prior to that date were false. In addition, further statements that were made after XX/XX/XXXX are also false since they assignment failed to transfer any 'interests ' to XXXXXXXX XXXX as they alleged in court documents. 

XXXX XXXX, in addition to committing fraud upon the Courts, is in direct violation of the Consent Decree it signed with the XXXX in XXXX, XXXX. 

Article IV ( 1 ) ( e ) of the Compliance Program, signed by the bank on XX/XX/XXXX, requires the bank to establish and maintain : ( e ) processes to ensure that the Bank has properly documented ownership of the promissory note and mortgage ( or deed of trust ) under applicable state law, or is otherwise a proper party to the action ( as a result of agency or other similar status ) at all stages of foreclosure and bankruptcy litigation, including appropriate transfer and delivery of endorsed notes and assigned mortgages or deeds of trust at the formation of a residential mortgage- backed security, and lawful and verifiable endorsement and successive assignment of the note and mortgage or deed of trust to reflect all changes of ownership ; ( emphasis added ) All of the above requirements imposed by the OCC detailed above have been violated. 

As of XX/XX/XXXX, XXXX XXXX has filed a new praecipe of sale as part of its ongoing fraudulent scheme to literally steal my home under false pretenses. 

I filed in state court on XX/XX/XXXX the attached new motion to vacate the summary judgment due to fraud on the court and 'any other reasons justifying relief ', but it was incorrectly denied on XX/XX/XXXX due to 'res judicata ' .
Product: Credit card

I reviewed various credit card offers and decided to open a Venture X Business Card with Capital One, principally based on their claim that this card had " No Pre-Set Spending Limit ''. My intention was to use this card to pay my upcoming income taxes, both for an extension and for quarterly estimated taxes. When I called the bank to inform them of my intentions, to avoid any problems with a large tax payment, I was informed that there was indeed a spending limit on my card and that I would not be able to utilize this credit card as intended. The bank claimes that the 'limit ' would automatically adjust based on my spending patterns and that, eventually, I might be able to make such a large charge. Until then, I was encouraged to make multiple smaller charges and to pay the bill as soon as possible, even to make multiple payments within a 30 day period to escalate the spending limit approval process. 

Conclusion - there is a preset limit that the bank will internally adjust over time. 

My complaint is that they repeatedly advertised this card as having " no pre-set spending limit '' https : //www.capitalone.com/learn-grow/business-resources/venture-x-business-benefits/ and https : XXXX for XXXX examples. when that is not the case.
Product: Credit reporting or other personal consumer reports

Equifax is not properly addressing my XXXX XXXX XXXX  status and is refusing to remove inaccurate credit information related to my XXXX  experience.
Product: Prepaid card

My tax refund was sent to Paypower on XX/XX/2015. I am unable to access my funds, despite almost 2 weeks of trying. I have provided them with all the necessary information for verification but their mysterious higher department has failed to give me access to my Federal Tax Refund.
Product: Credit card or prepaid card

XX/XX/XXXX. I contacted Citibank re : my Sears ( Shop Your Way ) Mastercard. I spoke to several agents in which 2 offered this months interest and XXXX late fee as discount for being a valued customer. I feel I deserve a better discount for the following reasons : I have paid interest since XXXX, I used the card more during Covid as I waited 8 months for unemployment and it was a source of money. This was a hardship for me. 
I have been hacked 3 times in past year ( I was in XXXX when they closed my acct as someone in CA tried to charge {$500.00}. ) They refused to ask me security? 's and I barely got back home to MI. I have asked Citibank XX/XX/XXXX to not allow usage of card as I am not going to use it and I haven't.
Product: Debt collection

I got calls from some place called XXXX XXXX XXXX and they said i had a debt with them. I have never did any business with this company and i told them i wanted the validation of debt. They never did that and they didnt call me back and now has hired an attorney to send threatening letters demanding payment. The attorney also put their company name on the envelope and didnt use the mini miranda in their letter. I want them to cease the collections and to pay for the violations of the FDCPA. Lawyers should be held accountable and they are clearly robo signing documents.
Product: Debt collection

I left for basic training with the XXXX in XX/XX/2018, and during that time I was hit with a collection that was not mine. It stated that I had went to a medical office XX/XX/2018. And since then I have been hit 6 times with this creditor and there would have been no way I could have even went to this office because I was in basic training and couldnt leave. I have been able to take 4 off but there are still 2 on my account. Which is killing my credit score. I try contacting the office but it doesnt take me anywhere. Im only XXXX years old and I dont know what to do. Or how to get it to stop hitting my accounts. Please help me if you can, I dont want it to continue to ruin my credit. ( XXXX ) XXXX is the number to the office but when I try to call it doesnt work. Theyre called Midwest recovery system and I cant even find a real website on them. They first hit my account XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, two on XX/XX/XXXX and the last one hit XX/XX/XXXX. Please help. I dont know what else to do other than trying to dispute but no one has been able to help keep them off permentaly. Every time I check my XXXX XXXX score it goes down in huge amounts because of this creditor. And Ive tried contacting XXXX and XXXX but nothing works.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on repairing my credit since XX/XX/2019. Last month, when I received a new copy of my report, I noticed an address reporting that is unfamiliar to me. XXXX  is reporting the address as a previous address of mine, and Experian is reporting it as my current address. The address reporting is : XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX. 
I am not familiar with this address and I have never been to Pennsylvania. I would like for this information to be removed as it is hurting my credit scores. Below I have included letters I sent to XXXX, Experian and XXXX  asking them to update my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their ivestigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP as this very exhausting. Nobody wants to grant me a load because of this. XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), XXXX XXXX, XXXX  and XXXX.
Product: Checking or savings account

My wallet got stolen, and someone used my debit card to set up a XXXX XXXX account and take money out of an ATM twice, which I didnt approve. I havent been able to use XXXX XXXX since XXXX. I reached out to Wisely, the financial company, and filed a dispute on XX/XX/XXXX. On XX/XX/XXXX, I emailed them a written statement explaining the transactions I was disputing. By the tenth business day, they still hadnt finished the investigation or given me a provisional credit. When I called them, they said Id get it by the end of the day, but that didnt happen. I called again on the XXXX, and they told me Id get it in XXXX hours. That didnt happen either. I called on the XXXX, and they said the same XXXX hoursbut nothing came. I called again this morning, and they gave me the same response : XXXX hours. This is not okay because under Regulation E, theyre supposed to provide the provisional credit by the 10th business day after the dispute is filed. They keep breaking this rule, acting like they dont have to follow federal regulations. I find this unfair, especially since they let someone steal my money in the first place, and now they keep lying to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Exeter Finance Corp was suppose to take a schedule payment out for {$260.00}. On XX/XX/XXXX I received an alert on all of my credit monitoring software stating that my account was past due on payment. I was never notified by mail, email or phone that my account payment didnt go through. So I did my own investigation and found that Exeter Finance Corp had technical issues and kept declining my card payments. Because I called my Credit Union and they allowed the payment through but Exeter Finance Corp was declining it. This is the second time this had happened. The first time was on XX/XX/XXXX. I was told last time that there was nothing they can do but these false late payments are dropping my credit score 100+ points while I am in the process of rebuilding it.
Product: Credit card or prepaid card

In XX/XX/XXXX, I was notified by Citi that a payment was due on my Citi credit card. I hadn't made a transaction on this credit card since XX/XX/XXXX and the account was paid in full with a XXXX balance. 

I immediately reviewed my account and saw that there were transactions that I did not recognize. There were twelve transactions ranging in dates from XX/XX/XXXX to XX/XX/XXXX. The total amount of the transactions was {$5600.00}. The location of all twelve transactions was XXXX, Indiana. They are : XX/XX/XXXX XXXX {$300.00} XX/XX/XXXX XXXX XXXX  {$270.00} XX/XX/XXXX XXXX {$510.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} I contacted Citi immediately to report the unauthorized charges. Citi opened a fraud case. On XX/XX/XXXX, I contacted Citi and they asked me a series of questions. I received a letter on XX/XX/XXXX from Citi that was dated XX/XX/XXXX. This letter was a notification that " Your dispute ( s ) has been closed ''. The letter said, " We've completed our investigation and your dispute ( s ) is now closed. The card 's EMV chip was used to make the disputed transaction ( s ) at a chip enabled card reader. You verified that your card was in your possession at the time of the transaction ( s ), so we don't consider this fraudulent activity. The charge ( s ) totaling {$5600.00} will remain on your account, under your account activity. '' I have never been to XXXX, Indiana and was not in XXXX to make these transactions. I can prove my location through work records and travel receipts.