23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of identity theft, which has resulted in several fraudulent accounts and inquiries being added to my credit report without my knowledge or consent. I am requesting immediate action to address this issue. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) An official identity theft report has already been filed with the Federal Trade Commission ( FTC ), and I am now requesting the removal of these fraudulent accounts and inquiries to ensure the accuracy of my credit report.
Product: Credit card or prepaid card

I'm being paying my capital credit car making online payments, but I pay and the balance don't go down
Product: Credit reporting, credit repair services, or other personal consumer reports

See list of inquiries on my credit that I did not authorize and I know nothing about. 
XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX   XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing regarding your attempts to collect a debt you claim I owe. According to correspondence I received from XXXX, this debt was transferred to XXXX XXXX XXXX XXXX XXXX, and not to your organization. Therefore, you have no legal right to collect this debt or report it to the credit bureaus. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you immediately cease all collection activities related to this debt. Furthermore, if you have reported this debt to any credit reporting agencies, I demand that you retract those reports as they are inaccurate and unauthorized. 

Continued attempts to collect this debt or failure to remove inaccurate credit reporting will result in legal action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and possible civil litigation. 

Please confirm in writing within 15 days that you have ceased all collection activities and corrected any erroneous reporting.
Product: Credit reporting 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 u.s.c. 1681.. 
Account Name ... .. XXXX XXXX XXXX Account # XXXX .... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15 u.s.c 1681 section 602A. 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 an 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. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..
Product: Consumer Loan

Loan was fullfilled and paid off XX/XX/2016 with Nissan Motor Acceptance Corp., confirmation letter received from Nissan that this loan was satisfied in full and they would be issuing a release of lien to the XXXX. However this still has no taken place.
Product: Checking or savings account

We were a long time business customer with BMO Harris in XXXX. Our account was repeatedly compromised. Starting XX/XX/XXXX, small telephone transfers began to happen. We reported this. However, the transfers began to mirror our own ACH payments such as XXXX, XXXX, XXXX XXXX, etc. We assumed that these payments were ours. When we realized they were not, we contacted the bank and found that an unknown person had been given permission to make telephone transfers. These transfers totaled {$14000.00}. BMO told us that our only option was to close our account and there were no other remedies. Their fraud division is not contactable and does not respond to calls or emails. We were told by our local branch to close our account. We had the expectation that BMO had fraud measures in place, however, it seems probable that the person that committed this fraud actually works for the bank. After forty years in business, working with BMO has been the worst experience we have ever had.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and my personal information was used fraudulently, resulting in items on my report that I was never involved with. Following Equifaxs instructions, I filed a report with the FTC and submitted it ; however, these fraudulent items still appear on my report.
Product: Money transfer, virtual currency, or money service

XXXX refused to do anything to assist the customer and attempted to victim blame. They did not reveal that they along with all of the big banks own this business when they stated that they are unable to intervene or sanction the business. they are allowed to continue to prey on the public.
Product: Debt collection

I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt, you are now subject to the arbitration agreement that your company brought for pennies off the dollar I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably.

With that, my demands are as follows : You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; A settlement agreement that I may retain for my records.

Monetary compensation in the amount of {$1000.00}.

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes.

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I started to look into seceral account that where showing inaccurate information on my credit report, including charge offs that were showing as still active and open accounts. There were also several dates that were showing late pay XXXX XXXX that were charge off accounts. This was all significantly hurting my credit report. when I initiated all of these actions with experience, they did absolutely nothing. They did not investigate anything. They just sent me back a report saying that everything was fine. Then all the creditors went and updated the dates to a current date as if all of these collections were new. Resetting the dates dropping my score even further down. This is all a scam I found this out and wanted to sue them myself. I can not believe they take advantage of the American people this way. No system should run this way. I am a single mother and could not rent an apartment for XXXX months because of what they did to my credit report XXXX in palliative care and extremely sick.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe my former roommate or his guest stole my identity to obtain a car loan in my name.
Product: Payday loan, title loan, personal loan, or advance loan

Back in XXXX of XXXX my money lion account was hacked into and someone received money on my behalf with a different credit card, they paid off a loan with my card than updated the card and received payments on their card, they did it XXXX other time before that, second time I filed a dispute with my bank, now there is a loan out and I am supposed to pay for it, I do not want any of my information on that account, no more fraud, I have already had to replace a debit card, if had been only once ok, not twice.
Product: Debt collection

Hello, I have a debt with Med-1 solutions and I have been deceived. I was told by my account respresentative on XXXX/XXXX/2015 that there were no derogatory remarks on my account at the present, but if I did not pay then there would be. I then asked the representative if I could make payments to the account in order to keep remarks off my credit. She stated that she could do that. So I made a payment of {$100.00} and have been doing so at the same time every month for for 5 months. Again, this was under the agreement that my account would stay in collections, but not be reported to my credit report. The original amount due was {$870.00} and it is now {$370.00}. Today XXXX/XXXX/2015, I decided to check my credit and I see that Med-1 Solutions has reported the debt to my credit report even though we had an agreement that they would not do so. I called Med-1 Solutions and was told that there was nothing they could do to remove it unless it was reported in error. I was also told that as long as the account still had a balance that it was eligible to go to collections at any time. This is where the problem comes in. I was NEVER told this. NEVER. Obviously I care about my credit. If I did not then I would not be making monthly payments to them. Had I been informed on XXXX/XXXX/2015 when I made my first payment that there was still a potential for this debt to be reported to my credit report then I would have figured out another way to get it paid faster. I am not sure what is at stake for the account representatives when they collect money from consumers, but I feel as if she was not forthcoming to the point of deceiving me to believe that my account would stay out of collections as long as I was paying every month. I understand that the company will not remove the mark on my credit unless it is made in error. However, I do feel as it was in error. I was lied to in order for someone to take a payment. Additionally, I have not received any communication, or an updated bill since I started paying on XXXX.
Product: Debt collection

My issue concerns a collection account held by Portfolio Recovery Associates and one which I have previously disputed in order to get documentation as to it's authenticity as outlined in the Fair Debt Collection Practices Act as well as the Fair Credit Reporting Act. 
All previous disputes have gone unanswered. All disputes have been stamped meets FCRA requirements with no actual diligence in meeting said requirements. 
To date, I have received no documentation nor have my disputes been meet with transparency. 
It is my hope that this agency can step in to help mediate this matter and force the collection debt buyer to comply with my request as outlined in the above stated laws. 
I have no knowledge of the account as reported and wish for a thorough investigation so that this unknown item no longer appears on my consumer credit files as it does now.
Product: Debt collection

I contacted capital accounts about a medical collection that was on my credit report by an error. I provided statements where it showed the account was at a XXXX balance. I called them back to make sure they had received my documents and to make sure they will delete it off my credit. The agent was not able to help me and transferred me to a supervisor. The supervisor was very rude and condescending. I have never been treated and disrespected like this before. When I asked to speak with someone else he hung up the call. Please review the call and review the tone and language used to speak with me. He needs to be disciplined or terminated. Someone like him should not have any contact with consumers.
Product: Credit card or prepaid card

Between XX/XX/XXXX and XX/XX/XXXX, XXXX charges were made to my credit card for a total of XXXX during the first week in XXXX, I realized this was happening and immediately contacted Bank of America XXXX BOA issued me temporary credit on the account and said they would investigate. All fraudulent charges were made in Connecticut and Rhode Island. I reside in New Jersey. On XX/XX/XXXX, I received 2 letters from BOA. One letter stated that two of the charges totaling XXXX were being credited since the merchants agreed to reverse the charges. The next letter stated that the remainder of the claims were being denied because it was determined that the card was used for the purchases bases on one or all of the following reasons : the chip was read, my PIN was entered, and/or I signed for the merchandise or service, which indicates I or someone I allowed to use my card was present. At this time, my account was re-charged for the purchases. When I made the claim, I told BOA that both my wife and I had our cards in our possession and we did not give our cards to anyone else to use. I also told them that I did not even have a PIN for the card and have never used a PIN for any purchases. Also, that if a signature was used, it would clearly show that it does not match mine. In addition, I stated that this card has always been used only for groceries and gas purchases, which could be confirmed by looking at the purchase history ( none of the fraudulent charges were for either one of these categories ). After I received the letter, I went to my local BOA branch where I have banked for over 25 years and am a platinum reward member. I have several accounts at the bank and their Merrill Lynch division totaling over XXXX. The rep called the credit card decision and asked to reopen the claim. I then went to the XXXX XXXX police dept and filed a report regarding this theft. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX, that stated the bank was unable to approve the fraud claims totaling XXXX because it was determined that while I did not personally make the charges, they confirmed they were made by an authorized user on the account or someone who has permission to use the card. I have no idea how they determined that I gave someone permission to use my card, since this is not the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a student loan on my bureau that I am not signed on. I contacted XXXX   and they could not find the original promissory note. I disputed this with the three credit bureaus. They left the item on my file. I had been told that the credit bureaus do not send disputes on student loans to the student loan entity but simply respond to all disputes as " consumer disagrees ''. I would hope that this is not the case. But since XXXX was unable to even produce a document showing my liability on this loan, someone in this process is guilty of negligence, if not willful negligence. 

I want this item removed from my file as provided in the Fair Credit Reporting Act. 

Account number XXXX
Product: Debt collection

the company is calling on the weekend too. Saturday and Sunday. like please. I know. they send letters. calls too. they even call at XXXX XXXX  on a sunday. 
phone is for emergency purposes only. you are not gon na die. dont call everyday. 

that should be illegal.
Product: Debt collection

On XX/XX/XXXX at XXXX I received a email from my credit monitoring alert from XXXX  XXXX that I had a new account alert and I checked it and it stated that I had a NEW ACCOUNT on my XXXX from Midwest Recovery Systems , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MO XXXX and for type it stated N/A and contact number it stated also N/A. So then I checked my XXXX XXXX alerts and it stated I had one DEROGATORY MARK ( my first one ) it stated I owned {$890.00} from XXXX XXXX XXXX  opened on XX/XX/XXXX and reported XX/XX/XXXX which dropped my score on XXXX 3 Points for something I that I have no cash advances currently. I checked out XXXX and this Midwest Recovery System has so many complaints and the same issues with people. I worked so hard to maintain my credit and I will not stop until this is fixed.
Product: Debt collection

In XXXX of 2019 I sent a written request to Wells Fargo Bank N.A. for VALIDATION made pursuant to 15 U.S.C. 1692 ( g ) pursuant to the Fair Debt collections Practices Act. The Bank refused to respond with the information requested citing " pending litigation ''. This is disturbing because this bank is notorious for making different statements and allegations in and out of court.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and am reaching back out to you because, I received the response back that I recently received from your company. I was informed that Exeter finance was not the company that I was filing the complaint about.This statement that they have given you is completely false and I received correspondence back from them proving it is them .Clearly if I would have known what shady business practices they would be involved in, I would have found a different financial company.This company Exeter finance shouldnt even be in business, I have fully tried to get them to remove the late payment and they have not. I have tried getting supervisors on the phone and they tell me to send emails, which Ive done numerous times .This has accomplished nothing, Ive enclosed the email they have sent back to me proving that it is them .Please assist me in having this removed from my spotless credit profile as it is hindering all my future plans. 


Thank you. 
XXXX XXXX
Product: Mortgage

The bank has been trying to foreclose on her apartment for the last six years. The first foreclosure was dismissed due to fact they had used XXXX XXXX the robo-signing attorney to try to steal the apartment and could not produce the original note. We have maintained the property over the last six years. We are the heirs to our daughter 's Estate. The case was refiled and was at issue. We were never served by the court my wife and I. We located the attorney ad litem that was supposed to defend our interest XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX. He referred us to XXXX, FL XXXX XXXX where we met with both attorneys. XXXX told us he could not defend us and recommended his friend XXXX. We asked XXXX our attorney ad litem to inform the court that we wanted to defend or position as heirs of the estate and he refused. Instead XXXX insisted we needed to hire his friend XXXX to represent us. When we failed to give XXXX or XXXX the business due to lack of funds. It seems XXXX took retaliatory action against us and got the trial moved to an earlier date then the original docket stated and allowed the court to foreclose on the apartment in XXXX of 2015 for a XXXX sale date, knowing we wanted to defend our interest for the estate. XXXX XXXX also runs the XXXX XXXX XXXX out of his law offices and wanted to get the real estate sale business from this transaction. We are a XXXX year old retired couple with no home of our own living on social security. We are asking the CFBP to investigate this case stop the sale of the property and over-turn the foreclosure due to attorney mis-conduct and mis-representation. 
The bank claims it has been unable to contact us but has never tried. Wells Fargo has our phone number and email. We also met Wells Fargo legal team in court this month and they never reached out to make contact. It is not legal or fair lending practice to the Estate of XXXX XXXX that owns the mortgage to not have the right to bid on the property like the banks investor hedge fund did for {$460000.00}, when the property is worth {$250000.00} more. Essentially robbing the Estate of XXXX XXXX and its heirs and creditors of {$XXXX}. The property in question is still in the name of the Estate of XXXX XXXX and the bank has illegally entered the property. Changed the locks. Started remodeling. Pulled permits. On a property they have no legal right to open and enter. The apartment is not in the name of the bank or a new owner. Please help.
Product: Debt collection

Calling work repeatedly sometimes 3-4 times an hour up to 15 times a day during work. Repeatedly calling cell number from spoofed phone numbers ( if you try to call back the number is not a working number ). Did not receive postal mail confirmation of collection even though I asked for it over the phone.
Product: Mortgage

I am attempting to resolve the balance of {$3600.00} reflected in a " charge-off '' status on my credit report for the account # XXXX, previously mortgage loan # XXXX held by Bank of America. 
I believed the balance of all amounts due to Bank of America for both Loan # XXXX and Loan # XXXX were satisfied by the foreclosure and subsequent sale of the property on XX/XX/XXXX. I have contacted Bank of America XX/XX/XXXX and XX/XX/XXXX in an attempt to understand how this balance was generated and why it is being reflected as a charge-off on my credit report. Bank of America representatives have been unable to verify how or why this balance is due. I have also been in contact with XXXX. A dispute has been communicated to Bank of America at least twice. 
I am requesting that Bank of America, provide documentation which I can reconcile with my own accounting records and reflects that the amount of {$3600.00} is rightfully due.
Product: Credit reporting 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. 

I looked at my transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). 

XXXX  XXXX Account XXXX, has violated my rights. 

XXXX XXXX Account XXXX, has violated my rights XXXX  XXXX XXXX, has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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. 

and according to 15 USC 1681s-2 they are suppose to 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.