23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In the Middle of XXXX after the XXXX of 2023 I started receiving communications from Midland Credit Management stating that I owe them an alleged debt that they purchase from XXXX  XXXX. I have asked them to produce the master/promissory note showing a bonafide contract between Midland Credit Management and the XXXX XXXX account that bears my signature. To validate the reasoning for contacting me for the alleged debt. Continuously they send the same automated message of the date is was open / date of charge off/ date purchased / original purchase balance and billing statements and notes that can easily be photoshopped. They can produce that information but can not simply produce the master/promissory note showing a bonafide contract between Midland Credit Management and the XXXX XXXX account that bears my signature. Any other communication is NOT A CONTRACT. 

How is midland unaware of what a master promissory note is or what a bonafide contract is but they are in business collecting on debt? 

I recently checked my credit report and see that Midland is now reporting a collection account without providing the information that I asked for which is a violation of my rights. In addition lying and using deceptive practices to solicit money from me. For example its states the Original purchase balance was {$5100.00} debt collection companies never purchase debt for what is currently owed which means you are voluntarily lying to me to get me to contract with you. 

When an account goes into default and it is charged off from a financial institution ( XXXX XXXXXXXX ), it is charged off as a lost and the consumer is to file that on their taxes as income. That is the end. Midland Credit Management ALLEGED purchase has nothing to do with me if they cant produce the master/promissory note showing a bonafide contract between Midland Credit Management and the XXXX  XXXX account that bears my signature. I DO NOT CONSENT NOR DO I ACCEPT THEIR OFFER AND WE DO NOT HAVE A CONTRACT.
Product: Credit reporting or other personal consumer reports

I sent a dispute form on XX/XX/XXXX disputing a notice of an account in collections that was not my account. It continues to show up on my credit report and has drastically affected my score
Product: Credit card or prepaid card

My payment for my XXXX XXXX which is issued through Comenity Bank was due yesterday XX/XX/22. When I opened the app to make a payment, it stated that scheduled maintenance is taking longer than expected and that my information was still secured. I attempted to make a payment without signing in with username and password and still was unable to make payment. I've contacted them and it says to call back at a later time. I've attempted to make my payment again and still recieved the same error message. I've gone to their XXXX page for updates and nothing. I don't want to incur late fees or have my credit score lowered because of this.
Product: Vehicle loan or lease

XXXX XXXX, XXXX at XXXX dealership, inquired about their ad on change car. Sales showed me 3 Certified XXXX XXXX autos, drove one. Liked it, price reasonable, had the accessories I wanted. Inside dealership, sales tells me he can't sell me 'that ' cat, but can sell me other one. Told me it's the same, just different color. Was promised price would lower. I explained to him, will not have packages added, alert your finance man, he agreed. When I met with finance mgr., he told me my trade-in price. This was the only info he gave me. Explained I can not afford high payment. Sat for 2 hours in small room, no ventilation. Due to my back failure, told finance I had to walk. Doing so, sales told me I was approved, you have to remove items from your car. Doing so, called to finance office, he told me to sign in few places. I asked for the break down in numbers, he explained numbers, made no sense, repeated this to me again. Interest rate never said to me, or car does not have the accessories you wanted. Outside again, removing items, sales came to me : " finance made error, just initial here ''. This point, in pain I did. Receive some paperwork, drove 3 miles home. Once home I looked at oil level, ( 15 % ), called sales, told come back in am early. Plus remote key not working. If 'Pre-Certified ', all should have been checked. Next day met with sales, told him contract is packed with items I never requested, plus high rate of interest 18 %. His response ; if you cancel package, you will have to pay for the oil change! Outraged, told him to cancel it, & finance mgr. Sent via fax, telephone & mail, to finance mgr to remove & adjust contract. 45 days later Honda Corp, upon my form request removed 2 packages, deducted funds from total loan. Interest never changed. Since XXXX XXXX to XXXX XXXX, replaced battery twice, radio electronics repaired.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to explain to the credit bureaus I have not given the creditor nor the credit report agency permission to request my credit profile nor requested the credit reporting agencies to put this on my credit file and I have credit with none of these creditors.
Product: Credit reporting or other personal consumer reports

I know that federally regulated reports and Metro 2 compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to manage my freeze online at Equifax. Every single time I have to call in and spend half an hour being sold one of their useless products before I can get my credit report unfrozen. I would much rather have no business relationship with a company as incompetent as Equifax, but it appears I have no say in the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX XXXX XXXX XXXX, I am writing in response to your recent correspondence regarding my dispute of the accounts ending in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. As I previously stated, these accounts were opened without my permission and have caused significant harm to my credit score and ability to obtain credit, in violation of Section 1681s-2 ( a ) of the FCRA and the CFPB 's XXXX XXXX. 

Your response did not fully address my concerns and I am disappointed to see that you believe that the account ending in XXXX belongs to me. I maintain that this account was opened without my permission and I demand that it be removed from my credit report immediately. Your confirmation that you are reporting accurate information is simply not sufficient. In accordance with the FCRA and CFPB guidelines, I am requesting that you provide me with a written statement of the results of your investigation and a copy of my corrected credit report within 30 days of receipt of this letter. 

I am also demanding that you remove all other accounts that were opened without my permission from my credit report immediately. I understand that you have asked the CRAs to delete some of these accounts, but I want to make it clear that I am demanding their removal as well. 

I want to remind you that reporting of inaccurate information is in violation of [ 15 US C 1681 section 604 A Section 2 ] [ 15 USC 1681 Section 602 ] [ 15 US code 5 1681b ] and other CFPB regulations. Your failure to comply with these regulations could result in legal action against your company. 

I expect a prompt response to this letter and for all accounts that were opened without my permission to be removed from my credit report immediately. Please provide me with a written confirmation of your actions and a copy of my corrected credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX CFPB Codes : Bulletin XXXX Section XXXX of the XXXX XXXX XXXX Reform and Consumer Protection Act Section 1681s-2 ( a ) of the FCRA Section 1681c of the FCRA Section 1681g of the FCRA Section 1681i of the FCRA
Product: Mortgage

I have been attempting to apply for a loan modification for several months with loanDepot. I am working with a non-profit and HUD approved housing counseling agency to submit my modification paperwork. On XX/XX/18, I received a letter from loanDepot that my application was complete and that I should expect a decision within 30 days. I received no further communications from loanDepot about the status of my paperwork and then received a letter on XX/XX/18 advising me that XXXX XXXX was now my new loan servicer. When I contacted XXXX XXXX about the status of my paperwork, they advised I would have to apply all over again. This is incredibly frustrating and my counselor advises is contrary to federal law regarding the servicer 's duty to issue a decision within thirty days  of a complete file as well as their duty to send my loan modification paperwork to the new servicer.
Product: Debt collection

Have not validated debt under the FDCPA, and has violated the FDCPA rules regarding contacting me before validating the debt. Debt validation letters has been sent to furnisher and credit bureaus for debt validation and they have not responded.
Product: Debt collection

Starting in XX/XX/2017, XXXX XXXX XXXX at ( XXXX ) XXXX started calling me multiple times a day using threatening verbiage in their calls, sending certified letters, etc. I believe they have contracted with the people at XXXX XXXX ( which isn't the company 's real name and they refuse to give it to me ) at ( XXXX ) XXXX to further harass and threaten me. 

XXXX XXXX XXXX and XXXX XXXX are not the original creditor-XXXX XXXX is. XXXX  XXXX is the only organization that I have to deal with. This wasn't even for a real school-only a coding boot camp.
Product: Mortgage

For the third month in a row, my mortgage servicer Caliber Home Loans has assessed a late fee when they had possession of my payment 3 days before the payment deadline.
Product: Vehicle loan or lease

On the night of XX/XX/XXXX, i received documents to e-sign for an auto loan application with Ally Financial from the XXXX XXXXXXXX XXXX I instructed The dealership not to submit these docs to Ally because i was Not in agreement with their terms nor the missing information on the documents. 

I reached Out to Ally financial on the morning of XX/XX/XXXX at XXXX and let a voice mail for XXXX XXXX XXXX Ally Financial XXXX. My instructions were to NOT open this auto loan because i did No to take this deal. I further Stated that i would be filing a claim against the dealership for deception. I have called Ally financial several times since XX/XX/XXXX to state that i DO NOT have possession of the vehicle and that it is still at the dealership and this is NOT a deal. The Ally financial never received a copy of my paystubs, employment data, home data, or insurance card, but ALLY opened an account in my name anyway against my will. I have a case # XXXX
Product: Payday loan, title loan, personal loan, or advance loan

My last statement XX/XX/year> shows fees aside from the loan advance is {$520.00} and fees for this year are {$2200.00} this is in addition to my loan I now have a payment due of XXXX and most of it minus? {$100.00} or so will go towards balance. Fees are outrageous. The company is Advance Financial 24/7
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received a copy of my consumer report. I was so confused because I see accounts listed that do not belong to me and the consumer reporting agency stated that I am deceased. I discovered that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhas unlawfully obtained my personal and financial information from unauthorized parties. This violation of privacy is deeply troubling to me, as it compromises my security and exposes me to potential identity theft and fraudulent activities.How can I be deceased as of XX/XX/XXXX but still have inquiries after that date. I do not have any written agreements with these companies. You have NOT provided me a copy of Any original documentation that you have on file that is required under Section 609 & Section 611 [ a ] ( 1 ) ( A ) ( a consumer contract with my signature on it and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to Promptly DELETE all information which can not be verified The law is very clear as to the civil liability and the remedy available to me for negligence and noncompliance to ( Section 617 ) if you fail to comply with this federal law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXXXXXX XXXX. {$2400.00}, a personal credit card account at XXXX XXXX XXXX XXXX bal. {$6600.00}, an collections account at XXXX XXXX XXXX XXXX. {$1600.00}, and a collections account opened at XXXX XXXX XXXX XXXX. {$150.00}. These accounts have resulted in several fraudulent hard inquiries fraudulent collections appearing on my consumer XXXX credit report. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX 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: Checking or savings account

I deposited a check on XX/XX/2021 for {$200000.00} to a chase ATM since it was after hours. I received an error on the screen with instructions to call Chase the next day to ensure that the check was deposited. I called Chase immediately the next morning and a dispute claim was made. I was told I would get temporary funds while it was being investigated ( that never happened ). The funds were released from the check holders account on XX/XX/XXXX. Chase wrote back that after investigating the claim, they don't see a problem with the transaction. However It is now XX/XX/XXXX and I still do not have the money nor did I ever get temporary credit. I have been contacting XXXX by secure messaging, social media, telephone and in person visits without any assistance despite giving them all supporting documents from both XXXX and XXXX  XXXX XXXX. I have attached all supporting documents
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my XXXX credit report through XXXX XXXX and found an " XXXX '' account. I am not a social security recipient ( XXXX or XXXX ) and have never been one. 

I also found a XXXX XXXX XXXX that I did not open or make charges on appearing on the report. 

Finally, I found a " XXXX XXXX XXXX '' account for {$1200.00}. This is not my account and these are not my charges.
Product: Student loan

In 2011 I register to XXXX XXXX in XXXX Michigan, I was told when I was in school and pay the monthly amount of around XXXX $ that my payment will be lower after I graduated. I graduated and after 6 months someone from XXXX XXXX called me and request that my monthly payment would be XXXX {$.00} I never got a job with what I graduated for and hardly making the payment of my loan.I tried putting my federal loan in deferment for two years now. I do n't want my credit to be damage. I 'm just hopeless.
Product: Credit card

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, a consumer and natural person, was denied credit by XXXX XXXXXXXX XXXX when I applied for a XXXX Auto Loan. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is subject to civil liability under 15 U.S.C 1692k. You are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by XXXX XXXX XXXX due to the response I received. XXXX XXXX XXXX is in violation of 15 U.S.C 1642, U.S.C 1681m and 12 CFR 1002 because I the consumer made an application in good faith, but credit WAS NOT issued. Also my social security number ( credit card ) was used and I received NO benefit. This constitutes fraudulent activity ( unauthorized use of credit card ) on behalf of XXXX XXXX XXXX according to law.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX I've noticed XXXX is releasing information to the XXXX party credit bureaus which are on my credit report : I DID NOT CONSENT to do so which is in violation. 15 U.S. Code 6801- Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the XXXX XXXX each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section XXXX ( a ) of this title, other than the XXXX XXXX XXXX XXXX XXXX, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a XXXX grand jury, or a subpoena issued in accordance with section XXXX of title XXXX or section XXXX of title XXXX. ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

In addition, XXXX sent a repossession agent to take my motor XXXX on XX/XX/year> XXXX within seconds of me leaving into the XXXX XXXX The Co-Owner and myself proceeded to tell them to stop and not to take the motor carrier. One agent held me against my will as I was trying to access my carrier while the other agent entered his vehicle and ran my foot down over. 
There was a witness who had observed and gave a statement to law enforcement. 
( Video Footage Available Upon Request ) State Farm claim department was contacted and concluded with their investigation. XXXX XXXX offered {$5000.00} coverage for medical expenses. 
Since the that date, I suffer from severe emotional distress from the public humiliation caused by XXXX and its repossession agents. 

This was a direct violation of : ( California XXXX XXXX XXXX ) Breaching the peace means that the repossession can not involve bodily force or threats and they can not take property over your oral objections. The objection does not have to be loud or done with force. You must simply tell the repossession agent not to take the car.
Product: Vehicle loan or lease

XX/XX/2022 I helped my son to purchase vehicle. Had problems with the vehicle. The dealer gave us excuses, the vehicle needed repairs. Got tired of waiting. Called the Finance company to come get the car. Voluntary gave car back. Now my son and I are being harassed by the Westlake Financial Services. They lied to the credit bureau stating the car was repossessed. The vehicle was a Lemon, it had to many problems. I had made a complaint with XXXX, for the car dealer, selling vehicle with a problem with the Title. Could not trade vehicle, the car is not registered in the State Of Texas. Voluntary gave up vehicle. And the vehicle was not repossessed. Now finance company will not stop calling us. That's harassment.
Product: Debt collection

I received a letter in late XX/XX/2021 from Remex Inc for a XXXX dollar copay that I apparently did not pay for XXXX XXXX in NJ. No clue how it ever got to this point. Never received a letter. Would have just paid it immediately had I known about it. Neither here nor there though. 

I immediately paid Remex with my XXXX  Credit Card to avoid this from showing up on my credit report as I am in the middle of closing on a house. I can't imagine a XXXX dollar mortgage deal being ruined because of a XXXX dollar copay ... 

I was recently checking my XXXX  Credit Card transactions and noticed there was an additional XXXX dollar fee for " Cash Advance. '' Basically, the way Remex charged me wasn't a regular credit card transaction. It was some sort of weird cash advance. I called Visa and they removed that fee for me. I asked Visa why this went through as a Cash Advance and they told me it's because Remex Inc charged me using some sort of cryptocurrency. 

The whole Remex operation seems really shady. I called Remex and asked them why they charged me as a cash advance and they couldn't give me any sort of explanation. They're just rude and unhelpful.