23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX i went online and paid my title loan off. I called and confirmed it was paid and inquired when my title would be mailed. So moving ahead 2 days i. Checked my account and XXXX dollars was gone. i immediatly called and the i went to the XXXX store on XXXX XXXX and they passed blame to the collection agency. But i never spoke to the collection agency my title was not in jeopardy. So how did thy get my information? Next i spoke with the collection agency and they said my i fo was on file and was authorized as auto pay. No. i just got that card a week ago and used to pay that bill.i told them that was my money for the next two weeks and I want a refund. And were going through this PANDEMIC and you just taking money out of peoples account without authorization, without a courtesy call or letter. They had the nerve to offer me a loan. REALLY. Its not right Landlords cant evict you, Electric companies are not turning off people lights but they can take my money. Now of all times. I dont know how im going to make it the next two weeks. Please help me get my money back.
Product: Mortgage

My property was included in a Chapter XXXX bankruptcy in XXXX XXXX and sold to XXXX XXXX XXXX on XXXX/XXXX/XXXX. Shellpoint began 'servicing ' the loan on XXXX XXXX XXXX. They never contacted me to tell me they were now the servicer of the loan nor did they ever send me a bill. They then reported the loan 180 days delinquent to the credit agencies XXXX XXXX. 
After being denied a credit card in XXXX XXXX, I checked my credit report and found 'Shellpoint Mortgage Servicing on it. I contacted them and they said they were not trying to collect on the debt, but that they simply " servicing the loan according to the original agreement '' and were " protecting the creditor 's rights ''. Therefore they would not remove the entry on my credit report. 
My understanding is that a mortgage service company must make a 'good faith effort ' to contact the consume to avoid this type of situation. 
I think the laws regarding companies buying bad debt years after its discharged in a bankruptcy need to be addressed. If it was n't allowed these things would probably not happen in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on numerous occasions filed a dispute for fraudulent information on my EQUIFAX credit report. I'm a victim of identity theft ( 2 times ) and disputed 3 inquires be removed from my EQUIFAX credit report. They have refused to help every time. I have talked to the company that made the inquiry and they closed or canceled any pending applications. The inquires come from XXXX XXXX. Someone tried to open a credit card in my name several times. I was also part of the EQUIFAX breach in XXXX and they still refuse to remove these negative items from my credit report. This is unacceptable and they should comply with my request and remove these fraudulent inquires from my report. EQUIFAX also continues to use a previous address ( 12years ago ) as my current address, even tho when I file a dispute on their website, I use my correct current address. 

I hope someone can help me and I have received no help from EQUIFAX. They continue to deny my request. 

XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card XXXX. 

XXXX XXXX  XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card XXXX. 

XXXX XXXX XXXX, XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card XXXX.
Product: Checking or savings account

I took a {$10000.00} loan out to help me with my bills that I received around XX/XX/year>. I made a payment from my XXXX account to pay my credit card bill to JP Morgan Chase on XX/XX/year> in the amount of {$1000.00}. I received a phone call on my cell phone on or around XX/XX/year>. The number on my phone came up as Chase so I answered it. A man, stating he was from Chase bank, told me that my JP Morgan XXXX credit card was past due. I was confused as to why he was calling because, on XX/XX/year>, I made a payment of {$1000.00} from my XXXX  XXXX  XXXX  to my JP Morgan credit card bill. I had stated this to him. He proceeded to tell me that the reason the payment never went through was because I couldn't make a payment from my savings account to pay a credit card, that I had to do it through my checking account. He asked me for the routing number of my XXXX checking account as well as my ss #. I gave him the information he requested. I proceeded to transfer {$1000.00} from my savings account to my checking account on my XXXX app. He said the transaction went through and if I didn't hear anything from Chase from 7 to 10 business days, the payment was successful. Approximately 3 weeks later, Chase was incessently calling me. I called them back, only to find out that I was still late with my payment. I checked my XXXX account and it said {$1000.00} was taken out. I made a {$730.00} payment toward the bill that day. Chase told me the reason they declined my payment the XXXX time ( XX/XX/year> ) was because there were insufficient funds in my checking account. I told them that was impossible because I transferred {$1000.00} from my savings to my checking account the day the man called. I spent over XXXX hours within the next month trying to resolve this issue with no resolve. I also feel that the man who seemingly scammed me was taking money out of my XXXX account, as my {$10000.00} loan is now gone. There is no way that I spent {$10000.00} in less than 5 months. XXXX XXXX and JP Morgan Chase continually blamed the other and never followed through with my constant requests to send me an itimized statement. XXXX told me they couldn't e-mail me my statements due to security issues. I just want my money back and I also feel I should be granted restitution for my time in trying to resolve this issue. JP Morgan has also put a negative report on my credit report, which I never gave them verbal nor written permission to share my information with a 3rd party ( credit bureau ).
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off and collections. I have tried numerous times to have this situation resolved with no resolutions. 
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, Collection XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Debt collection

I was contacted concerning a payday loan debt. I informed the agency that I did not owe and produced a bank statement proving that I did not receive the funds. I asked that we take this to court. 
He threaten to have me fired. He then contacted my boss, the president of the college and reported this claim
Product: Credit reporting, credit repair services, or other personal consumer reports

Letters Sent : XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 Amounts Include : {$15000.00} Actions That Were Taken : I have contacted Equifax on several ( 4 letters ) attempts using certified mailing to ensure they have received my letters. The topic involved disputing the information that they have listed on my credit report without properly verifying the accounted information. I asked them to provide documentation, and if not properly verified, they needed to remove the account from my credit report.
Product: Credit reporting or other personal consumer reports

Credit card was paid in full and account closed. But credit card has not yet updated credit report to reflect paid in full as of XX/XX/year>.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

Account XXXX : XXXX Account XXXX : XXXX bal. {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX bal. {$0.00} Account Name : XXXX XXXX  XXXX Account Number : XXXX bal. {$0.00}
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX continue to report incorrect information on my consumer report. There are several late payments on the account listed as XXXX  XXXX Account # XXXX this is not accurate and neither consumer agency provided me with the financial records that prove I was indeed late with these payments. They can not provide this information because it would be against my privacy rights for them to have access to my financial information. 

Transunion XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These late payments do not match up and the information is reporting differently on each consumer agency.

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed the credit reporting companies and the company ( Arkansas Child Support ) that is reporting to them. They always reply that the account is verified but havent provided me any proof
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those accounts to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Consumer Loan

I had a previous issue with BMW Financial Services. It took awhile, but a gentlemen named XXXX XXXX from BMWFS contacted me to help me through the process. He was kind, informative and courteous. Great customer service!
Product: Checking or savings account

I have a personal checking and savings account with Wells Fargo I also have a business LLC account with Wells Fargo checking and savings and had a business LLC credit card the credit card I believe I had for 2 years or more never missed payments have been late about six months ago I can only make the half of the minimum monthly payment and they closed my account for that 2 months later somebody called me from Wells Fargo wanting full payment on this business credit card and I told him you guys close the account I signed up to make payments not to make a full payment that I can't afford in one shot so here we are phone call disconnected cuz we didn't reach a mutual agreement XXXX speaking on this day XX/XX/2019 I had roughly close to {$5000.00} in my business checking account Wells Fargo credit services I guess went into my personal savings and withdrew {$5400.00} to pay off a credit card that was a business LLC the user agreement says they're governed by South Dakota laws I live in South Carolina the user agreement speaks on offsets and it was on the back of the business card agreement so naturally you think that it's speaking on behalf of businesses when it's referencing but it doesn't mention anything about llc 's and corporations company Etc business assets differentiate between personal assets I'm no attorney but I think they broke the law by crossing over accounts on top of that there was money in the business account in that account that they were true the money from also has my kids social security death benefits that is in there also that are minors XXXX old enough to have their own bank account
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing this letter to request an investigation of the following information that appears in my Early Warning Systems consumer report. I have identified several inaccuracies that need your immediate attention and resolution. 

Bank : 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 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 I want to clarify that I have no association with these accounts and did not provide any personal information to open them. It appears that these accounts have been opened fraudulently, without my consent. I kindly request that you investigate this matter and remove these accounts from my report. Enclosed are copies of my identification and any other supporting documents that may assist in your investigation. I would appreciate your prompt attention to this matter, as it is crucial for my financial well-being. 

Thank you for your assistance. I look forward to your timely response. 



Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I have had American Express, for twenty years, since completing college, in XXXX. 
I have never had a problem like this with my two credit cards. The bills were paid, early, each month. 
However something changed from XX/XX/XXXX to XX/XX/XXXX. I was admitted to the XXXX. During the stay at the XXXX, my credit cards and checking account numbers were compromised. An assailant was using my bank accounts. There are several criminals with the same phone number. 
I reported this to the police, the attorney general and to American Express. A criminal made three false payments to my Amex accounts from XXXX to XXXX and they changed my address to one in XXXX, NJ. I believe that the individuals who had stolen my items from security, at the XXXX, from XX/XX/XXXX to XXXX XXXX, started fraudulently damaging my credit and banking accounts. In XX/XX/XXXX, I set up a new checking account to make payments to Amex, however, without a notice, my Amex accounts were cancelled, two days, before the due date. I am a XXXX, I work XXXX and I also sell items to pay for my credit cards each month. I have enough money to maintain my cards. I would like to reinstate both accounts. Again, I have a long standing history with the company, and this problem should not have occurred. What is the best possible way to have the accounts reinstated?
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$27.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following accounts and inquiries be blocked and deleted from my credit report due to my status as a victim of a data breach. Pursuant to 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ), I am requesting that these fraudulent accounts and inquiries be immediately removed from my credit report. 
Accounts to be blocked and deleted : XXXX. XXXX  XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$700.00} XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$1000.00} XXXX. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$590.00} XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$380.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$380.00} XXXX. UNAUTHORIZED COLLECTION - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. UNAUTHORIZED COLLECTION - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} Inquiries to be blocked and deleted : XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accounts and inquiries listed on my consumer credit report ( referenced below ) that stem from a data breach or fraud. I request verifiable proof, including documentation of my signature or electronic signature, to validate these actions. 

This letter is submitted on my behalf and not through a third party, so I ask that you review it carefully. These actions were not authorized by me and represent a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

I have contacted the companies involved and confirmed that these actions were initiated without proper validation or original proof. The accounts and inquiries are inaccurate, as I did not authorize them. Consequently, they are either the result of a data breach or the unlawful reporting of my consumer information by creditors or third-party data furnishers. 

I request that you take immediate action to investigate these matters and remove the unauthorized entries from my credit report promptly.
Product: Debt collection

These people call from many different numbers, but the one I get the most is XXXX. The message says " we have several complaints filed against you '' and that " your cooperation is required. '' -- - essentially meaning I have to pay what they are requesting and do what they demand. They do not say they are trying to collect a debt, but it seems to be what they are threatening. I have no outstanding debt, so this is a scam. They seem like they are trying to threaten old people into turning over money. Many sites talk about these same dishonest tactics. They just called me 2 hours ago and XXXX from this number. They may have tried to use other numbers but left no messages. I even blocked them but they continue to leave messages I have received repeated phone calls from local numbers saying they have had numerous  complaints about me and have made repeated attempts to contact me. Refers me to call XXXX A reverse search reveals it to be a collection company called Miller Stark Klein & Associates. Per XXXX and XXXX, this company seems to focus on collecting phantom debts. My complaint however specifically relates to the fact that they did not identify themselves as a debt collection agency as per the CFP