23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

It was on XX/XX/XXXX I went to the XXXX XXXX emergency and I received a bill from cause my insurance company was not able to cover it.and I requested some support from the state.they paid everything out for the department and I still have to pay the {$1700.00} for XXXX  and I was unable so they reported me to the collection ( XXXX XXXX XXXX a division of XXXX, XXXX ) they were keep sending letters to my new address.since the collection was really destroyed credit I was even unable to an apartment or car rent I requested to the state if they can help me, after a day I received a notice from the state where the amount was reduced and I had to set up a payment plan for that. I started paying biweekly and I stopped to {$640.00} or {$630.00} without paying that so the amount was reported to my credit report with ( MBA LAW ) So at the end of XXXX of the year the company ( MBA LAW ) called me they had a proposition for instead of paying the full amount ( {$640.00} ) I have to {$340.00} and the collection will be removed from my account I agreed and I gave them my XXXX  card so they set up the payment on the next coming Friday ( XX/XX/XXXX ) And after talking to them the company sent me a confirmation letter to make sure if it was me. So on the date that weve agreed for the payment they received money at XXXX XXXX  After two weeks the collection was removed from my account. 
But I was surprised to the XXXX XXXX XXXX reported the same amount of {$1700.00} to my credit score.on XX/XX/XXXX. 
Also on XXXX XXXX I first called them they were trying to make some business by asking my credit card to set up payment. 
Cause my English they were keep lying to me. 
So I went to web site find their email address I sent them an email including the letter from MBA LAW as an evidence of my payment And I told them that Im going to report them if they want to mess up with my life here. 
They texted me back by saying the amount was reported by XX/XX/XXXX from XXXX  I explained them like I explained to you guys. 
She asked me the picture of the bill included the letter from MBA LAW. With my last four social numbers Until now nothing changed, they keep reporting the amount on credit report which infecting life here, I cant do anything else And I dont where else to go or report. 
Please do help me.
Product: Credit card

On XX/XX/XXXX I enrolled in a payment assistance plan with apple in which my account was to be brought current after XXXX payments of XXXX. 
On XX/XX/XXXX Apple withdrew the first XXXX payments of XXXX. This was due Apple 's error in scheduling the payments, where they withdrew XXXX at a time instead of XXXX. 
On XXXX I inquired as to why the payment was duplicated as it was only supposed to be XXXX payment. I was told they couldnt be reversed even though it was a mistake and it was applied to my account. 
On XX/XX/XXXX I made the third payment. 
On XX/XX/XXXX I contacted apple via chat and spoke with XXXX XXXX and she stated that my account was current, no additonal payment was due, and the past due balance would be brought current the following month ( as agreed in the payment plan ) On XX/XX/XXXX I chatted with XXXX on the apple app about why the past due balance hadn't been adjusted. She originally stated that it was still showing past due. Then, upon reviewing the account, she stated that the flag to bring it current would be removed the next month and I should continue making my payments according to the payment plan. 
On XX/XX/XXXX I spoke with XXXX XXXX who stated that the account was not current. He stated that the XXXX payment was missed and the account could not be brought current. He refused to review the history where XXXX agents stated that the account was current. He refused repeatedly to transfer me to a supervisor and stated that he was the only person that could assist on my account. He further stated that the only way to bring the account current was to pay the full balance of XXXX instead of the XXXX that is due per the payment plan or even the XXXX which is what the past due balance is that is listed on the account. He was retaliatory and tried to bring the whole balance due even though I have complied with the payment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

First let me apologize for having to waste your time with my complaint. Unfortunately after several disputes with Experian, they have refused to properly address my issue and remove this improperly reporting account. I reached out to them to dispute an account listed on my credit report under XXXX XXXX. When I looked over the information from the original contract I noticed several things reporting incorrectly. I then disputed the information with Experian asking that they provide me with a copy of the original contract while pointing out the errors that are reporting incorrectly. They refused to do so and insisted that the information had been verified instead. When I finally did get a response by mail, they provided me with an updated copy of my credit report addressing my dispute and basically just switched the late payments around, and adjusted other items which were all still incorrect. I then sent another dispute in and they sent me another response that still did not resolve the issue because they didnt change anything that time which points out that they clearly are not investigating properly and they have no original contract to have the right to report incorrect information. I will include a copy of the reports and will circle the items so that they are clearly visible. On the Before Dispute area, they have the account first reporting in XXXX and the original balance ( which should never change ) at {$24000.00}. They also have removed a late payment from XXXX and moved it to XXXX which is still incorrect. On the After Dispute area, they have the account first reporting XXXX and the original balance something totally different which was {$22000.00}. Both of the original credit limit amounts from the before and after are incorrect based of the original contract I have. I did not include a copy of my contract because I know you have to possibly forward this information to them and I do not want to help them with their investigation since they should have a copy themselves. Thanks for hearing my complaint and I hope we can get this account removed from my Experian report.
Product: Vehicle loan or lease

I purchased a new XXXX  XXXX at XXXX XXXX XXXX on XXXX XXXX, 2018, they sold the car to me at 4.59 % interest rate with my tier one credit. I was never offered the 0 % that they had at the time. 
What I was offered was 1 ) Don't take the rebate of {$1500.00} and get 2.99 %. 
2 ) Take the rebate and pay 4.59 %. 
3 ) 0 % was never offered to me. 

Total price - {$24000.00} less {$10.00} ( cash down ) = Loan amount {$14000.00} at 4.59 % Date of Purchase - XX/XX/2018 Tier one credit - Score XXXX
Product: Credit reporting or other personal consumer reports

Capital one was contacted in XXXX of XXXX to inform them of a fraudulent account. They performed an investigation and stated that they are holding me liable to this account. 

XXXX XX/XX/XXXX I contacted capital one again and they were rude and dismissive refusing to provide details as to have they came to their conclusion in the investigation and told me once again they would be holding me accountable. I explained that I would be pursuing this in court and that u didnt think it was necessary. I had hoped to resolve this without litigation.
Product: Debt collection

After speaking with an agent and telling them when I could make a payment, I received XXXX calls a day starting from XXXX to XXXX every day since the call. When they call and I pick up, there is no one on the other end and it hangs up. I understand if I paid my bill on time I would not have this problem but I have been in XXXX accidents and have had my identity stolen and am trying. I feel this practice MUST stop because it affects everyone in my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of credit fraud on three accounts that I did not open. Avant lending, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX applied for in my name and I did not open these accounts. My information was leaked from my email address XXXX. I have sent multiple disputes for each of these accounts. Please delete these accounts from my credit report.
Product: Debt collection

I am writing to file a formal complaint against Jefferson Capital Systems for their violation of consumer protection laws in relation to fradulent debt collection practices. Recently, an item appeared on my credit report indicating an outstanding debt previously owned by XXXX, which was originally associated with XXXX. 

It is pertinent to note that I have previously disputed this account, which was originally owned by XXXX, with XXXX and submitted a report to the CFPB in 2023. As a result of my dispute and your intervention, the account was rightfully deleted from all three major credit bureaus including XXXX, XXXX and XXXX. 

However, to my dismay, the same account, now in the amount of {$2000.00}, has resurfaced on my credit report, this time under the ownership of XXXX XXXX XXXX. This action not only violates the Fair Credit Reporting Act ( FCRA ) but also breaches the Fair Debt Collection Practices Act. 

Furthermore, the pursuit of this fraudulent debt by XXXX XXXX XXXX constitutes a violation of my rights under the Fair Debt Collection Practices Act. 

I am enclosing a copy of the Federal Trade Commission report detailing the fraudulent nature for your reference. 

I urge the Consumer Financial Protection Bureau to promptly investigate this matter and take necessary actions against Jefferson Capital systems to ensure compliance with consumer protection laws and to rectify the damage caused by their unlawful actions. 

This item needs to be deleted from all three bureaus immediately so that I can utilize my rights to obtain other credit opportunities.
Product: Debt collection

XX/XX/XXXX REQUEST FOR REFUND OF EXCESS ESCROW FUNDS XXXX XXXX EXEMPTION ( PAST YEARS ) - NO REFUND RECEIVED AS OF XX/XX/XXXX CMG Financial A Division of CMG Mortgage , Inc. ( CA Secretary of State ID # XXXX & XXXX ) NMLS # XXXX XXXX XXXX XXXXXXXX XXXX NJ XXXX LOAN # XXXX I sent an email about when I should expect my refund ( s ) for {$1300.00} and {$1200.00} from CMG Financial who is my current mortgage company now. This request was made on XX/XX/XXXX. I called their office at the ( XXXX ) and also send a message on their website with a letter requesting this refund. This refund was created by me being a XXXX XXXX  and qualifying for a higher exemption. This higher exemption resulted in refund ( s ) owed to me for these amounts. Not Received Tax Refund for Overpaid Property Taxes for the Following ; Year XXXX - {$1200.00} & {$1300.00} = {$2500.00} Year XXXX - {$1200.00} & {$1300.00} = {$2500.00} Year XXXX - {$1200.00} & XXXX = {$2500.00} Total Amount Not Received = {$7600.00} This company CMG Financial Services Corporation services my loan for the tax years of XXXX, XXXX, XXXX. I have made several requests for my Escrow Overages be refunded immediately. No Refund for {$1300.00} or {$1200.00} which they already have in their possession, I have not received. I sat on the phone trying to speak to a supervisor. The customer service and their process doesnt benefit anyone but themselves. When I had an Escrow Shortage, they contacted me immediately to get their money and didnt care how I got the money. Not the shoe is on the other foot, they owe me this money and I need my money. This money has been sitting in my escrow account since XX/XX/XXXX. XXXX. I logged into my mortgage account to verify. Their service and their Process sucks!!!!! 

Other Names & Information Associated With ; ( XXXX ) XXXX cmortgage.loanadministration.com XXXX XXXX XXXXXXXX XXXX XXXX Loan Administration CMG Mortgage Inc - California Secretary of State - # XXXX ) MG Mortgage Inc - California Secretary of State - # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report and file was frozen by XXXX XXXX, Experian and XXXX   without my authorization or permission. I never requested for a freeze to be added to my XXXX XXXX, XXXX  or Experian credit report. I applied for credit and was informed that my credit report was frozen by XXXX XXXX, XXXX  and Experian without my permission. Review the attached  documentation with this complaint. I did not request or give permission to XXXX XXXX, XXXX  or Experian to freeze my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX to remove off my credit report 15 u.s.c 1681 sections 602 A state I have the right to privacy. 15 u.s.c section 604 A sections for 2 : it state a consumer report agency cant report with out my writing permission. 15 u.s.c 1681s-2 ( a ) ( 1 ) a person shouldnt report anything to a report agency if information not accurate or right. 15 u.s.c 1681c ( a ) ( 5 ) no consumer report agency may report containing any of these items any advice information past 7 ur
Product: Credit card

I was discriminated against by Capital One and denied my own credit after Capital One had already gained access to my estate by accepting my social security number ( credit card ) information, this is a direct violation of the rights afforded to me as a consumer by Congress.
Product: Credit card

I issued a complaint based on two issues. Closing my credit card account for no apparent reason, and then making me wait 120 days before issuing a check for rewards earned. They responded to the account closing but did not respond to the delay in paying out rewards earned.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy on my credit that I had initially started but I did n't finish going thru with it and it has shown on my credit for 3 years. I have disputed with all  XXXX  credit bureau with no change to my reports.
Product: Debt collection

General Service Bureau sent a collection letter with an amount owed by myself. An additional letter was also sent to my spouse who is not on my account. He is only listed as an emergency contact. 

The General Service Bureau sent the same collection letter addressed only to my husband with the same collection amount. In addition, to sending this letter they also called to speak with him about this debt. Once again, he is not on my health insurance account - nor is he provided access to my health bill information. I have copies of both letters that show XXXX letter is addressed to me for {$190.00}, account # XXXX. The other letter is addressed only to him for {$190.00}, account # XXXX. This is a predatory collection practice that should not be allowed by any collection agency. In addition, sending a collection letter to an unrelated party is illegal. If the procedure or hospital visit I was seen for was not to be disclosed to my spouse this letter could cause a potentially damaging situation.
Product: Vehicle loan or lease

Car Mart XXXX XXXX  Texas violated several laws. Repo ( in house associate ) called after the fact to gloat and brag that the vehicle had been taken. Using vulgar language and aggressive behavior! Left me stranded in Oklahoma XXXX  miles away from my house, in a closed parking garage- did not tell the local authorities and proceed to call me 8 times before I picked up. This situation left me scared and fearful. Not knowing if the psycho was near by. Now I contacted the dealership and now know why that associate acted this way. All associates at this location need a good training lesson in customer service and type of laws that go with a Repo. Would not allow me to get my belongings except on their terms and are not willing to get the items when I was available to claim them. Claimed to press charges against me for making the building scared of phone calls tying to understand why they did this over {$94.00} and to get my property out of the car. Police officers called me and were cool and understanding and said I was a laid back guy with a clean record and that I can reach out for them to escort to the dealership and claim my stuff ... ... but car mart only said I can get it XX/XX/2021 @ XXXX XXXX  - I have sent an email saying I need to reschedule to a weekend and they will not work with me!! Breaking the law yet again wow!! 
Btw got a letter XX/XX/2021 saying I need to contact them to resolve the issue. This was sent XX/XX/2021 - they repoed the car XX/XX/2021 - wow gave me less than a day - but didnt even get the letter until the XXXX - no previous letter or communication has been done in regards to this matter. And i only owed XXXX or so. I have everything needed in regards to the mentioned statements above, phone numbers and documentation. Looking for my rights to be acknowledged and for car mart to apologize for the overall XXXX poor business ethics. Not wanting the car and would like to move on but ... ... .since they did break the law I must pursue and in the meantime contact every business bureau so other customers will not do business with them anymore!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

In XXXX of XXXX I purchased a TV at Best Buy and they said I would get a discount if I signed up for a Best Buy credit card, so I did. I paid off the TV immediately and never used that card, neither online nor in person. In fact, I never even brought that card out of the house, just stuck it in a drawer. 

Then in XXXX of XXXX, I received a bill showing a {$690.00} purchase was made on XX/XX/XXXX. I did not make that purchase. The only detail on the bill was " BESTBUY.COM ''. I disputed the charge but then on XX/XX/XXXX BEST Buy added the charge back to my account saying it was valid. I called again and they said XXXX iPads were purchased online and picked up at the XXXX NJ store. I did not make this purchase. The store should be able to pull surveillance and see who picked up the item, because it was not me or anyone I know. 

I have a credit score of over 800 and would never try to get out of paying a legitimate purchase. This is theft. Best Buy did not protect my data ( I can assure you my junk drawer wasn't hacked ) and then they did not verify who they handed the items to. Best Buy should be able to resolve this but so far they have not and instead, by denying my dispute, are accusing me. 

Please assist as I don't know what else to do ( involve police? )
Product: Money transfer, virtual currency, or money service

On XXXX, at XXXX, I received a call from someone who said that she was from Wells Fargo and that someone had made a XXXX  transfer to " XXXX XXXX '' for {$1000.00} and a wire transfer of {$8100.00}. I don't know this XXXX XXXX. I called Wells Fargo and they canceled the wire transfer but Wells Fargo closed my claim on XXXXXXXX  and told me that they are not responsible for XXXX. Last year, XXXX XXXX chastised Wells Fargo for their lack of accountability and transparency with fraudulent XXXX claims. I want my {$1000.00} returned to my account. My life has been turned XXXX down. If Wells Fargo claims no oversight of XXXX, why do business with them? The account number that I listed in this complaint is actually my claim number for the XXXX claim
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Secrtion 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Secrtion 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Secrtion 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

My account with those creditors was never late! I have had exceptional payment history witH 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 my the company and is not a reflection of my payment experience which violates USC Code 1681eb. 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 account to be removed. 

They are not in compliance with the following law. 15 USC 1666b 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! 

15 USC 1666b ( 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. 


Never Sent the periodic statement along with the disclosures from section 1637 ( 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 1002 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