23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX MIDLAND FUNDING XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MIDLAND FUNDING XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
Product: Debt collection

I kept getting bills from a XXXX XXXX  in XXXX XXXX. I do not live in XXXX XXXX nor have I recently been in need of medical attention. The bills states that I owe for a hospital visit in XXXX, but I havent been to a hospital for treatment at all this year. XXXX XXXX transferred my bill to RStrat and now they continually send me mail saying I owe them money. This bill is now affecting my credit score although I know for a fact I do not owe anything since I havent been to the hospital recently.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed a FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I was a victim of identity theft. There are inquiries on my XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XXXX XXXX, 2024 XXXX. XXXX XXXX - XX/XX/year>2024 XXXX. XXXX XXXX - XX/XX/year>2024 XXXX. XXXX XXXX XXXX - XXXX XXXX, 2024 XXXX. XXXX XXXX XXXX - XXXX XXXX, 2024 XXXX. XXXX XXXX  XXXX - XX/XX/year>2024 XXXX. XXXX XXXX - XX/XX/year>2024 2024
Product: Vehicle loan or lease

This account that is being reported 30 days late on XX/XX/2020 and XX/XX/2020 my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). I would like for you to investigate the late payment history and prove to me that in fact was delinquent on the date reported. It is the responsibility of the furnisher to report accurate information per Section 623 of the FCRA and it is the responsibility fo the Credit Bureau to hold them to those standards.
Product: Credit reporting or other personal consumer reports

The stress and sleeplessness stemming from this problem are overwhelming. It's particularly frustrating because I have maintained a record of punctuality with my payments for this account.
Product: Consumer Loan

I had sent Kia Financial information about my account and a bank mistake as they reported me late. After sending information to Kia, now they show me as being 2 month late
Product: Money transfer, virtual currency, or money service

I have Purchase a Merchandise from XXXX XXXX XXXX That was Describe as {$5000.00} Estimated Customer Return Item in Unknown Condition. They Requested Wire Transfer to Their Business Account Which I Used to send Money Using Chase. 
After receiving Merchandise It become Clear it was a Fraud and Scam, They send me Item That Total Brand New MSRP is Not Even {$300.00} Let alone {$5000.00} or Close to it. 
I contacted My Bank and Explain To Them Wire was a Business Transaction, It was Send to a Business Account not Personal Account of The Register company Name. It is a Fraud and Scam That I would Like them To Dispute The Transfer with Receiving Bank and Help Reverse it. Receiving Bank is XXXX " WIRE TRANSFER INSTRUCTIONS To : XXXX  XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX Routing and Transit Number : XXXX For Credit Of : XXXX XXXX, XXXX. 
XXXX XXXX XXXX, # XXXX XXXX, CA XXXX Credit Account # : XXXX Additional Information : Only include your order number XXXX on the memo, any additional information will cause a delay in processing. '' Person Told Me It does not Matter it is a Scam they won't do anything About it. It is Outrageous So Now Bank is Openly Facilitating Scammer and Fraudster. Even They Know Where the wire is send and It domestic Wire and It is an Illegal Fraud/Scam under U.S jurisdiction XXXX He refuse to help and do what should be Done. 
Bank Are Given Extra-ordinary Mandate and Govern Themselves as member of Association part of Independent Federal reserve and It is Least Expected That they will show Creditworthiness of stand against Scam/Fraud with consumer who trust them with their money. 
Also they are obliged to Follow Law, Not Protect and AID scammer and Fraudster committing Wire Fraud and Scam. By Not Doing anything They are Actively Aiding the Illegal Activity Conducted by a Person, Business or What else.
Product: Vehicle loan or lease

I paid off a vehicle loan with BMO Harris on XX/XX/XXXX. 

BMO Harris subsequently took my normal loan payment amount of {$230.00} out of my account on XX/XX/XXXX. 

I reviewed my BMO Harris online portal and confirmed there was no option to cancel payments ( as the loan was paid off the account was closed ). 

I subsequently sent BMO Harris a message using their online portal informing them of the issue and requesting a refund of the illegal withdrawal. 

BMO Harris responded saying they would refund the money and account the closed. 

On XX/XX/XXXX I received an automated email from BMO Harris stating they would withdraw funds for my payment in 3 business days. I immediately called BMO Harris and spoke to a woman on the phone. She said the account was closed and automatic payments were canceled. However, she would mail me a form to sign and complete to ensure fund weren't withdrawn. 

ON XX/XX/XXXX BMO Harris withdrew another {$230.00} from my account.
Product: Money transfer, virtual currency, or money service

Ive ran my business through PayPal for over 6 years through the email XXXX. They wrongfully closed my account for what they claimed was violating their acceptable use policy. 

They said they would hold my money for 6 months and then give it back to me. At the end of XXXX I logged in and saw all the money was illegally taken. 

In addition, there are over 20+ websites that run the exact same business as me still using PayPal . The bottom line is they illegally stole my money and I wish to purse this in court if it is not return. 

{$40000.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;.
Product: Debt collection

After reviewing my credit report, I discovered that a collection agency called Account Resolution Service is pursuing me for an outstanding balance of {$630.00}, with a collection date of XX/XX/2021. According to their report, I visited XXXX XXXX XXXX XXXX on that date, but I have never been there or had any business with them. Upon further investigation, I discovered that many others have also been wrongly sent to collections by this company for services they never received or were not billed for. This fraudulent activity is damaging not only my credit score but also the credit scores of numerous others. It is imperative that this company is reported and held accountable for their actions. They have call me endless times to my phone number and I continue to tell them I do not know this place and they continue to persue with harassment calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has once again put a fraud alert on my credit file that i did not request or authorize. It has just randomly reappeared. In XX/XX/2019 I had to fight to get this removed and it finally was. Now it reappears. I have contacted them about this new alert but nothing has been done
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT ARE NOT MINE AND ACCOUNTS THAT WERE NEVER LATE. I HAVE FILED SEVERAL COMPLAINTS ON YOUR BUREAU FOR DEADLINE VIOLATIONS WITH THE CFPB XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX I ALSO NEED THE SINGLE ACCOUNT LISTED TO HAVE THE LATE PAYMENT HISTORY AMENDED TO NEVER LATE I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE OVER THREE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUES UNDER THE FCRA. 
I HAVE AN ESCROW PENDING AND THE BELOW ACCOUNTS ARE HINDERING MY LOAN APPROVAL. THE VALUE AMOUNT IS {$850000.00}. IF THESE ACCOUNTS ARE NOT DELETED BY XXXX. I WILL HAVE TO INITIATE LITIGATION WITH THE ASSISTANCE OF XXXX XXXX XXXX, XXXX. THIS LAW FIRM. SPECIALIZES IN FCRA VIOLATIONS
Product: Credit card or prepaid card

Dear XXXX, Effective immediately, your Aspire Credit Card credit limit has been decreased to {$100.00}. On XX/XX/XXXX, your account will be closed to further transactions. 

XX/XX/XXXX Account ending in : XXXX Please note that if you have a balance, even though your account is closed, you are obligated to pay us at least the minimum payment on your account in a timely manner. In addition, in accordance with your Cardholder Agreement, as long as your account has an outstanding balance, you will be billed an annual fee on the anniversary date of the opening of your account and you will be billed an account maintenance fee each month. 

You will continue to receive monthly billing statements until your account is paid in full. Please stop all automatic charges from utility companies, Internet providers, and other retailers or merchants to your account immediately. 

Your experience with Aspire is important to us. If you have any questions or comments, please call our Customer Service team at XXXX Monday through Sunday from XXXX a.m. to XXXX a.m. EST ( Eastern Standard Time ). 

Thank you for choosing Aspire! 

Sincerely, Aspire Customer Service Please do not reply to this e-mail as we are not able to respond to messages sent to this address. 

Banking services are provided by XXXXXXXX XXXX XXXX XXXX XXXX, MO, Member FDIC. The Aspire Banking Debit and Aspire Credit Cards are issued by The XXXX XXXX XXXX  pursuant to a license from XXXX and may be used everywhere XXXX debit cards and credit cards are accepted. XXXX All rights reserved. XXXX is a registered trademark, and the circles design is a trademark of XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have been XXXX  and have documentation included to provide that these accounts were opened fraudulently.
Product: Debt collection

Original creditor that tried to collect debt is XXXX XXXX XXXX XXXX. They were sent certified mail to validate debt with itemized statements and information showing this debt was mine. They did not send this information and could not validate debt. Another certified mail was sent to XXXX revoking authorization. They have sold this debt to a collection agency that is now trying to collect debt after the original creditor could not validate and was not authorized to sell. I am now receiving letters to collect debt that has already been asked to be validated and was not/could not. XXXX and CACI are violating XXXX laws trying to validate with medical information where there is no authorization given for selling debt, personal info, or medical information.
Product: Debt collection

In XX/XX/XXXXXXXX  my signature was forged on a lease agreement. The renter got behind on the rent. In XX/XX/XXXX she basically disappeared from sight, abandoning the apartment and left it in horrible conditions. The apartment complex emailed me repayment plans. I couldnt remember ever meeting the manager or being in the office. I had not even been in the apartment until fall of XXXX, when the kids began requesting groceries. I requested and received a copy of the lease agreement and when I saw it, I saw my signature was forged. I was referred to EERP, a mediation group to help resolve the claim.. I explained the signature was a forgery and they dropped my name. It is not even close to my true signature! I tried explaining the situation to the apartment complex and was pretty much ignored. The account was referred to a collection agency for a balance due of over {$17000.00}, and growing with interest fees. I explained the forgery to the collection agency. The collection agency emailed me a list of paperwork to submit and protocol to follow and filing this complaint is one of the items listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX, XXXX  XXXX and XXXX XXXX XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX Credit Reporting company does NOT allow me to file a Mortgage Dispute on their online system because they are Not reporting TWO different mortgages. And Equifax has no email contact information to correspond and their phone operators from some other country were of no help or can not understand them. 

In order to file a Dispute there has to be an Account Type that shows up on their dispute page. Since Equifax does not show Two of my mortgage accounts that I have in good standing their online system will Not allow me to Click a Dispute hyperlink. Therefore, Equifax is reporting a Low overall Credit Score by not allowing me to Dispute missing information. It is best to have Equifax have a customer service representative from the USA contact me to resolve this issue.
Product: Student loan

Navient bought my loan from XXXX XXXX. They changed the interest rate thus increasing my balance due without following proper procedure.
Product: Payday loan, title loan, or personal loan

Called them because I was paying an incredible amount of interest, they would not lower it. It turned out to be 895 % interest. They also are not licensed to do business in Wyoming, which is where I've resided since 2002. If you need my account number it is on the attached file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an application for credit with Car Hop and from the start have had horrible service from the sales rep named XXXX. He failed to follow up with me until I had to reach out to him. XXXX began asking for information from a previous application I submitted which was not the one with my current information on it. When I reached out to XXXX he failed to follow up with my primary form of communication as well. I called Car Hop on XX/XX/2019 to speak with a manager regarding the situation and spoke with XXXX. XXXX is not personable at all at the slightest sign of frustration he began to threaten to hang up on me and not do business with me. I was not verbally abusive not was I screaming, shouting or yelling at him. He stated that because I was making a complaint against him and his employees I was being abusive and he eventually hung up the call. This business failed to communicate with me about my approval or denial of my application on more than 5 occasions both by call and email. They refuse to tell me what the application status is and at this point feel that they have violated my rights as a consumer. I have not received any mail regarding my credit which was run by this business and want any record of them pulling my credit removed from my credit report as they have blatantly failed to provide the service they advertise. They are not conducting fair and reasonable business.
Product: Credit card or prepaid card

I have got my credit card from Commerce Bank and I can not use it since I have received it. I called the bank customer service holding line for more than 50 minutes couple times each. Then they transfer to another department where I need to hold it for another 30 mins to talk to person then they transfer to another line which goes to voicemail. I specifically requested to take my number and have someone to look into and call me but no one is helping. Seems like the bank has no real intention of helping their customer.
Product: Credit reporting

I applied for a XXXX credit card they sent me a letter in the mail saying that Equifax was the one who gave them the credit information. So I went to the Equifax website, It said I took out a mortgage loan in XX/XX/XXXX ( I have n't ever owned a house! ) It said I had a retail card in XX/XX/XXXX it listed places I do not shop at, which I have not ever seen and a bank card? I do n't even have a bank account. I need to know who is doing this stuff and why they are doing it me! I could n't believe what I 've seen on here!! I want to know where this all took place what addresses are they coming from? Because I will take them to court they will get locked up. This is n't fair I 've always avoided using these things because I want to keep my credit clean now that I want to use my credit I ca n't this is unreal!!! I 've always used cash for everything. XXXX!! I called Equifax @ the end it hung up on me when I asked it to repeat the confirmation number and was " supposedly '' referring me to someone I could speak too. I want all the addresses and I.D . 's looked @ the names of the people who took this mortgage in, the names and the addresses of the people who had the retail and the bank card because this is some XXXX. oh and my " free report '' was not available online. -how convenient.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Credit Collection Services ( CCS ) for Inaccurate Reporting and Failure to Validate Debt Details of the Complaint : I am submitting a formal complaint against Credit Collection Services ( CCS ) for their failure to provide proper debt validation and their inaccurate reporting of a debt on my credit report. Despite multiple requests, CCS has continued to report this debt without providing the necessary documentation to verify its validity. 

Key Issues : Lack of Debt Validation : I requested validation of the debt, but CCS has failed to provide any documentation. Under the Fair Debt Collection Practices Act ( FDCPA ), they are required to cease all collection activities, including reporting this debt, until they have validated it. 
Inaccurate Reporting : CCS continues to report this debt, causing unwarranted harm to my credit score. The information they are reporting is not only unverified but also misleading. 
XXXX XXXX Code Violations : The continued reporting of this unvalidated debt likely violates XXXX XXXX guidelines, which require accurate reporting of consumer credit information. 
Requested Action : I request that CCS be required to cease all reporting of this debt until proper validation is provided. 
I also request that the CFPB investigate CCSs practices and hold them accountable for their violations of the FDCPA and other relevant consumer protection laws. 
Conclusion : This situation has caused significant damage to my creditworthiness, and I believe CCS must be held accountable for their actions. I respectfully ask for the CFPB 's intervention to ensure that my rights as a consumer are protected. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent over inquiries that wasnt done by me. Im victim of fraud. Activities that was done online. All the other Credit bureaus removed it but Equifax. We been going about this for two months. Also I been victim of their data breach. They told me to call the creditors. Creditors telling me Equifax supposed to remove those inquiries.
Product: Debt collection

Portfolio Recovery buys old debts especially ones that are past the 7 yr. Statue of limitations On the Fair credit reporting act. They are illegally misrepresenting the original opening date of a XXXX credit card from XXXX & reporting the date of when they purchased the debt In XXXX. I have disputed numerous times with a request for proof of original creditor giving Portfolio Recovery authorization to collect debt of account plus all info from original creditor with billing copies with no results. Ignored everytime. No contact by mail or emails or phone. dispute remarks never reflect issue. Just says consumer disagrees. I have never received any bill from Portfolio Recovery by phone, mail, email, or registered letter of their intentmto collect. They have failed numerous requests to provide original creditor info or change opening date, violating Fair credit reporting act. I want complete removal of Portfolio Recovery collection from all credit reporting agencies
Product: Credit reporting or other personal consumer reports

I have 3 capital one credit cards two have a limit of XXXX $ and the other XXXX XXXX Over the past few months when I got laid off I had a few payments missed two actually to be exact for the month of XXXX and XXXX I started paying down balance in increments of XXXX XXXX In XXXX my balance was reported to have been maxed out or utilization between XXXX cards were at 96 % I have made several payments a month towards both cards XXXX XX/XX/XXXX I made a XXXX $ payment and on XXXX XX/XX/XXXX I made a XXXX $ payment, XXXX XX/XX/XXXX made a XXXX $ payment, XXXX XXXX XXXX $ payment, and XXXX XXXX XXXX XXXX payment my current balance for that specific card should be updated and reported as XXXX $ remaining as balance to pay off but it hasnt been updated or reported to my reports since XXXX my other credit card balance is currently at XXXX where the same thing Ive made several payment towards balance and reports are not updated XXXX XXXX  XXXX XXXX  payment, XXXX XXXX XXXX XXXX payment, XXXX XX/XX/XXXX XXXX payment, XXXX XXXX  XXXX XXXX payment, XXXX XXXX XXXX XXXX payment utilization is down and reports are not updating accurate info