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

Security XXXX calls me every single day and at least 10 's a day. This loan isn't even 30 days late, but more like a week. I consider this harassment. Its ridiculous! And I'm sick of it. I can't do a thing until I get paid.

I really don't like this Company. I wouldn't ever recommend them. If co-vid hadn't hit so hard, I never would have walked through their doors.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX, XXXX. XXXX Open Date XX/XX/XXXX XXXX : {$0.00}
Product: Money transfer, virtual currency, or money service

I want on XXXX and meet gen XXXX XXXX XXXX and what a big problem I sent him {$3.00} it was not all time. I think he was a XXXX men. I have all the informant in my computer. I just don't want people to do what I did.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 went to XXXX XXXX in XXXX XXXX Texas and inquired about getting new car they specifically stated they will do a soft credit pull, but unfortunately they did a hard pull, then today XX/XX/2022 I get a report on all 3 credit bureaus about hard pulls on like XXXX companies that I don't know off nor have heard them, contacted the companies and they don't have an account with me after not giving me an explanation on who authorized or when or why, called XXXX, called the credit bureaus, called everyone and no one has an answer no one is taking responsibility I'm now stuck with hard inquiries that will be in my credit report that I have no knowledge of
Product: Credit reporting or other personal consumer reports

I requested a XXXX from XXXX XXXX bank after my account was closed and charged off XX/XX/scrub>XXXX 
I received no response from XXXX XXXX XXXX directly. 
I later received documents threatening to sue me in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX ( XXXX ). 
This account has been charged off/written off by XXXX XXXX XXXX XXXX 
All three Credit Bureaus XXXX XXXX, Experian, XXXX ) are each reporting an open balance on my credit report. 
Each time I call XXXX XXXXXXXX, I'm directed to XXXX, I spoke with XXXX XXXX who's overseeing this particular account. 
I, Too, have asked XXXX XXXX for the XXXX form. 
As well as Validation of debt under title XXXX XXXX XXXX XXXX. 
I want to see the chain of title that they have to collect on this debt. 
Proof that the statute of Limitations has not expired. 
Proof that they're licensed to collect in the state of New Jersey, and their license number and reregistration agent. 
Also, has there been any insurance claim found on this debt payment?
Product: Debt collection

On XXXX XXXX 2015. the CFPB and Encore Capital Group , owners of Midland Funding LLC entered in a Consent Order. In XXXX XXXX not one judge is honoring this Consent Agreement and lawyers for Midland are still suing not only in the state courts but also in the federal district court in violation of the Agreement. 
What can be done to enforce this ORDER??
Product: Debt collection

Always calling and i kept disputing for many many years and they always pop up. I always had insurance in fl and in ny.
Product: Mortgage

On XX/XX/XXXX it shows that my property taxes were taken out of my escrow account and paid. Payment information was sent to XXXX in a huge batch and XXXXc was to pay. XXXX didn't send the money until XX/XX/XXXX. This has happened several years in a row. Why is it taking so long to send the money? I want my taxes paid in the same year.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I used their app to remove a credit freeze. Bank did an inquiry- it was rejected due to freeze. I called Experian and asked them to remove the freeze. Got an email confirming the lift. Bank did an inquiry- it was rejected due to freeze. I called Experian again they said the freeze was lifted. Bank did did an inquiry- it was rejected due to freeze. Today I called the bank to confirm the lift. Bank did an inquiry. I got an email from Experian saying the inquiry was blocked due to freeze. I tried to call Experian and got an endless loop and could not talk to a representative. Now Im getting letters from a bank saying they are rejected my credit due to too many inquiries. I have a credit score of XXXX and I cant get approved BECAUSE Experian keeps fouling this up. Please help
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX and XXXX XXXX XXXX. These inaccurate items are not only embarrassing ; they are preventing me from obtaining the credit I deserve. As you and I are both aware, there are laws that ensure that credit bureaus report only accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditors part. Also, I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. It is with great concern that I insist you verify that this information is incorrect and update and repair it from my profile. Due to the damaging effects of such negative inaccurate information I must insist that this is done swiftly.
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 rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DP OF EDUC Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I called Citi Credit Card Co. To make a XXXX payment on the XXXX of XXXX. Then on the XXXX of XXXX I had received an email stating that my payment was coming up to please make a payment because my payment was returned. Next I asked them if they needed my routing number to make my payment and they told me no that they didn't need that information to make my payment. Then on the XXXX XXXX. Which was my original payment due date the amount of XXXX was taken out of my account as it states on my checking account with XXXX XXXX XXXX and 2 days later its not posted on my Citi Credit Card balance, and I talked to XXXX about this I told him I'm never late on any of my credit cards and I don't want to take a hit on my credit report by trying to make my payment. And they pushed my payment to the XXXX of XXXX. XXXX said he put in my complaint to his supervisor to try and get this issue resolved today. But could take up to the XXXX of XXXX.to have my XXXX put back on my card.
Product: Mortgage

We submitted the mortgage application with Capital One Home Mortgage, we received the conditional commitment letter, and we also addressed all the conditions specified. After two weeks, the loan was denied, and the only reason from the Bank was " Do Not Offer Term Requested ''. This very irresponsible practice, and why accept my application initially, and why issue a conditional commitment letter? They can not find any fault in my loan application, my credit history and my financial status. I think the bank just want to back out their commitment and not offering me the loan. This is very irresponsible, and no one is willing to return phone calls or email inquiries from both me and my attorney.
Product: Debt collection

XX/XX/XXXX TO : Whom it May Concern FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, MI XXXX XXXX XXXX, MI XXXX RE : Fraudulent Misconduct by Collections Company SHERMETA LAW GROUP PLLC Case # XXXX, XXXX County File # XXXX Plaintiff : XXXX XXXX, Case # XXXX P.O. BOX XXXX XXXX, MI XXXX ( XXXX ) In Reference to previous CFPB complaint 's # s XXXX & XXXX The Fraud and Misconduct continues by SHERMETA LAW Group PLLC! This is with regards to information obtained from the Plaintiff, XXXX XXXX. See included letter from XXXX XXXX stating that on XX/XX/XXXX XXXX XXXX was issuing a Cease and Desist and stopping all collection efforts and closing the account with SHERMETA LAW Group PLLC which SHOULD have filled a Garnishment Release shortly after! The Garnishment Release was only filled almost 5 months later AFTER I first filled a complaint on XX/XX/XXXX! Since then SHERMETA LAW Group PLLC has, according to the Michigan Department of Treasury collected a state tax refund of {$520.00}. 
My complaint is that if SHERMETA LAW Group PLLC had filled the Garnishment Release in a timely manner neither the complaint on XX/XX/XXXX not this one would not have had to be filled! I tried reaching out to SHERMETA LAW Group PLLC by telephone and was only questioned regarding resoling this account! 
The resolution I would like ( Expect ) to see is the return of the full amount ( {$520.00} ) of the Michigan Income tax refund Garnished to myself, since the Garnishment should have been released months earlier AND that SHERMETA LAW Group PLLC be warned about the Misconduct in their business model and Law Firm handling of issues in a Timely manner.
Product: Money transfer, virtual currency, or money service

Online scammer by the XXXX of XXXX XXXX scammed from XXXX to XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries appeared on my credit report this morning without any explanation. I checked my report as I normally do, but noticed these unexpected discrepancies. Refreshing my browser didn't help, and the inquiries stayed. As a result, I request a thorough check of the documents I've sent to resolve this issue once and for all.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I request a copy of my credit report and once XXXX XXXX it I seen it as that didnt belong to me so I called my bank to have them to freeze my accounts until further notice
Product: Credit reporting or other personal consumer reports

I wrote Lexis Nexis on XX/XX//2023 to formally complain about the inaccurate bankruptcy reporting on my credit report, which they are maintaining. Despite providing evidence of inaccuracies that do not align with the information available on PACER ( Public Access to Court Electronic Records ) In a letter sent on XX/XX/ 2023, they stated their information was verified with Pacer, the reported bankruptcy remains on my records. 

I want to bring to your attention the following discrepancies that I outlined for them : Incorrect Information : The details of the reported bankruptcy do not align with the accurate information available on PACER. This has resulted in an unjust impact on my credit score and overall financial reputation. 

Documentation : I attached the relevant documentation from PACER, clearly indicating the inaccuracies in the reported bankruptcy. It is imperative that LexisNexis reviews this documentation and rectifies the information accordingly. 

I kindly request that LexisNexis promptly investigates and rectifies this matter. I have a right to accurate and fair reporting of my credit information, and the inaccuracies must be addressed promptly and on time. 

Enclosed, please find copies of the relevant documentation supporting my claim. I trust that LexisNexis will thoroughly review this evidence and take the necessary steps to correct the inaccuracies on my credit report. 

I appreciate your prompt attention to this matter and expect a resolution within [ a reasonable timeframe, e.g., 30 days ] from the date of this letter. Please confirm in writing once the corrections have been made and provide me with an updated credit report. 

Thank you for your immediate attention to this matter.
Product: Mortgage

Chase Mortgage paid the hazard insurance for a different borrower out of the funds in my escrow account. While that problem was being investigated, Chase revoked my online access to the details of my mortgage, including the entire payment history, statements, and escrow.
Product: Checking or savings account

I XXXX I discovered that my account was locked. I couldn't log on to the online portal. When I called I was told there was potential fraudulent activity but no clear answer or direction as to what. They also stated that my checking and savings account would be frozen. They were unable to explain why. I'm not sure how they can lock everything with no notice even after attempting to communicate to the security team responsible for locking and unlocking accounts. They won't allow me to talk to that team but instead to talk to customer service. They said it could take up to three business days ( this occurred on Friday ) and I was not offered how to access my funds through the weekend to live.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an emailed about my information being in the Equifax data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX : Account # XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX, XXXX : ACCOUNT # XXXX XXXX XXXX XXXX : ACCOUNT # XXXX XXXX  XXXX XXXX : ACCOUNT # XXXX XXXX XXXX XXXX : ACCOUNT # XXXX I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Payday loan, title loan, or personal loan

I went to BB & t Bank on XXXX XXXX XXXX. in XXXX XXXX in the year of XXXX, XXXX.I was denied a loan both times. 1 st reason was because of me filing chapter XXXX in XXXX XXXX. 2nd reason was because of my debt ratio. I explained and told Mr. XXXX XXXX that I have 2 cars 2 houses in my name. One car, one house belongs to my daughter which she makes the payments. I had to show this information before I was granted the mortage with BB & t, 5 years ago. I need the money to have trees trimed and cut which my insurance co. does not approve of giving any money, to help me. My next door neighbor is bugging me about getting it cut. My email address is XXXX my contact number is XXXX. I feel that I'm not being treated fairly. I feel that Mr. XXXX made his own decision about my loan. I never received a letter from the underwriter, confirming the reason why I can not get a loan. I will wait for a responds from you all.
Product: Vehicle loan or lease

I do prefer the communication in Spanish but if there is not a possibility I will find a translator. 

I did arrive to USA on XX/XX/XXXX with my XXXX XXXX XXXX son and because I needed a car to move around on XX/XX/XXXX I went to XXXX XXXX XXXX asking for prices and they took advantage of my good will making me signed documents under pressure and without giving me any more information of the financing, they made me buy a car and under fraud no only on the inflate price but also they use false information, by the suggestion and pressure and fraudulent sales tactics by the sales agent XXXX and the Manager, to apply for a financing of a used car XXXX XXXX XXXX, XXXX, Year XXXX with XXXX miles that cost me a down payment of {$5500.00} for what I only received a receipt of {$2500.00} dollars and any other document for the other {$2500.00} I paid with a check. 

The put on the report false information about my job and status in USA and made sign a car loan of {$19000.00} dollars, financing during 6 years with an interest of 16.99 %. using the XXXX lenders company. I will have to pay {$520.00} per month and I don't even have a job right now to pay that car that was over priced and they never inform me the exact amount I will have to pay for a car. They only gave me an XXXX XXXX XXXX with documents and I don't even received a bill of sale printed that XXXX normally provide. 

I will need help from someone in Spanish language from the CFPB. By the way, That is another way for them to take advantage of me as I can not speak proper English and they knew my status as tourist and that I don't have any job. That is something base on my research penalized by law to a lender that abusive from people like me. 

If someone in Spanish can contact me to my number XXXX I will appreciate very much. 

Thanks in advance for any help, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent account that has appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, this fraudulent account remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. 
I brought this fraudulent account to your attention because I was assured that an investigation would be conducted, and the account would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The account in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 

It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of this fraudulent account is not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 
XXXX XXXX XXXX XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or remove the following items that are harming my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have a medical bill that i am paying payments on, i have notified both collectors they are not only reporting on a bill i have a set payment plan on with the original collector ( the hospital ), but im not behind on any payments. I was neither notified or anything of items going to collections. I work for the government so they provide Insurance that was supposed to handle all of these. Now i have multiple collections agencies adding collections for the same debt with multiple bureaus and these were applied to my credit only ONCE I GOT APPROVED FOR A MORTGAGE. These are from several years ago, some from XX/XX/XXXX and XX/XX/XXXX. Not only are the bills paid but they are inaccurate and both adding the same collection. Its not fair to the consumer. XXXX and XXXX XXXX XXXX are both adding collections for the same debt that is being paid to the original collector. XXXX tactics and the credit bureau or the collections service i have no contract or obligation to pay will fix.