23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

CBE Group keeps calling multiple times a day, several days a week. I am a teacher and am working when they call so I can't answer my phone. They never leave a message. I did research what company this is and see they are a debt collector. I do not have any unpaid debts nor have I received any collections notices in the mail or via email. 
I want the calls to stop. If they really needed to get in contact with me, they should leave a message on my voice mail, which is not full, or send me an email or letter in the mail.
Product: Debt collection

Pursuant to Fair Debt Collection Practices Act I have mailed / email ( per attached documents ) disputing the debt and request for validation on XX/XX/2023 ; XX/XX/2023 and XX/XX/2023.
Product: Mortgage

The mortgage company, I believe, is duping customers by charging a late payment fee whenever a change is made to the AutoPay process. They have already charged me twice to the tune of over {$160.00}. I strongly believe that this a fraudulent practice that must be investigated.
Product: Debt collection

XX/XX/22 a collection was put on my credit report that is not mine from Recovery Management Serv. Please remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove : 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 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 Balance : {$1900.00} the listed items are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again.
Product: Checking or savings account

I have moved to florida XXXX of 2023 to care for my XXXX XXXX with XXXX XXXX and XXXX. So I have been out of work for an extended period of time, caring for my XXXX mother that uses bank of america for over XXXX years and has substantial money in the institution. So to her advice I went into the bank and opened a checking and savings account with {$2500.00} in the checking and {$1500.00} in the savings. I shared with them at the time money would be moving in and out of my account until I get all my money and finances in line. I have made deposits as high as XXXX in these accounts in cash. I took an XXXX  job recently that sent me a check for my sign on bonus and equipment purchase to perform my new tasks. IK made a mobile deposit and deposited the monies into my account as usual. I never received any notices after the XXXX days grace period that the check came back until I checked on it myself. At which time i quit that job due to the check issue. This is why banking institutions have a hold to ensure the bank verified the fund and to protect all parties. I do not understand why Bank of America tagged me with a Fraudulent check write and depositor. This has created me extreme hardship and created me an issue where I can not open an account anywhere else. I was never informed my account was being closed only my savings account for lack of funds. I deposited another check from a second company I went to work for and deposited {$240.00} in cash to right the account and place enough to pay for an outstanding debt. I did not even find out the checking account was being closed until I was embarrassed with a phone call from the debitor. I called their bank support immediately and was told my account was in the process of being closed. No information was provided to me, nothing sent in the mail even currently about that fact and no check refunding the monies I had in the account. I had to call the new job and ask them to stop payment on their check I had just deposited and still have not gotten my IRS XXXX XXXX  handled as it was in the process of sending electronically when they closed the account and XXXX XXXX  me. I have NEVER in my life wrote a bad check and this check in question was not one written by me. I would like immediate action or legal action is the next step for defamation of character. 

Thank You XXXX XXXX
Product: Money transfer, virtual currency, or money service

So on XX/XX/2020 I received a notification from Chase saying I had sent out a XXXX  payment of {$300.00} to someone under the name " XXXX XXXX '' I called XXXX  Claims department explaining that what happened was that my parent 's account had been compromised ( being accessed remotely through my fathers Computer terminal ) and was linked to my personal bank account that also had my mother in so they grabbed the money from not their account but rather mines. after calling to dispute this unauthorized charge, they issued the claim and got back to me on XX/XX/XXXX that they issued a XXXX credit for the time being, the following day XX/XX/XXXX. They sent me a email at XXXX XXXX saying that based on their investigation that the charge was authorized. I spent a good portion of XX/XX/XXXX Talking to various representatives on chase 's end eventually a supervisor by the name of XXXX about my issues and was met with a " sorry we can't help you this instance, try to contact XXXX '' I even asked to track where the money is being sent to and they did not give me any information. Then based on how they validate whether transactions are fraudulent and failing to take responsibility in this matter as I had told them how my account was accessed they didn't offer any solutions and XXXX specifies on their site that they can't really do anything. they just decided that it should be left up to the victim to do their jobs of contacting the right organizations in regards to seeing what happened to my money even though this would be violating my rights under the Electronic Fund Transfer Act. Chase didn't even try to think hey this might be suspicious that an account that has only XXXX XXXX money out to a family member once would send XXXX to someone the same day and disputes it the same day. it was incredibly unprofessional and unpleasant having to participate in a back and forth that feesl like it ultimately will not get resolved and make me want to conduct my banking elsewhere
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing with a deep sense of frustration and disappointment to file a formal complaint against XXXX XXXX. It has come to my attention that this company has inaccurately reported me as missing a payment, tarnishing my credit history, credit score, despite the fact that every single one of my payments was made diligently and on time. 

They reported to Credit Bureau 's on XX/XX/2023 that I missed my first payment on XX/XX/2023 for {$73.00} even though it was withdrawn from my bank account and the payment cleared without any trouble or multiple attempts. 

I emailed them regarding this and was told I would hear a response in 2-3 business days and was never reached out to again.
Product: Mortgage

I have a loan with Bank of America. I 'm self employed so my income varies each month. Over the summer, I fell behind in my payments but was always in contact with the bank. I knew during the fall I would be able to catch the payments back up again and submitted for a loan modification. I could 've asked for a forbearance but I was never advised nor was I told I told a letter of intent was supposedly sent. I open and still have every piece of mail during this time never did I receive an intent to foreclose or notice that my property was in foreclosure. In XXXX I received a call from a Bank of America representative stating my property was in foreclosure. I know there is a process where I 'm allowed to be heard in court. I did not receive any notice from court or the bank. My modification was submitted in XXXX. I kept in close contact with my representative an even told him I could now send in a few payments. He told me the bank would n't receive them at this time. I can only pay the full amount plus interest and attorney fees. On XXXX XXXX the Bank of America representative called me and told me my loan was denied because they could n't find a program for me. I know that Bank of America just settled a law suit for doing this kind of thing to home owners. I am a single mother who 's divorced and really want to keep my kids in the only home they know. I asked the representative if I could do a forebearance or put the payments or some of them on the back of the loan he said no since I 'm in foreclosure and putting the payments towards the back is a loan modification which I do n't qualify for. I asked how can I not qualify now when I just qualified earlier this year.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX 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 EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is a XXXX  collection. That has been reported illegally on my credit report. This is invading my privacy in HIPAA law please remove from credit report, or youre opening your self to litigation.
Product: Checking or savings account

Complaint XXXX We still have not received our funds and it has been almost two months and we can't pay bills due to PNC not providing our funds.
Product: Debt collection

On XX/XX/XXXX, me and my late husband bought a house in XXXX, Florida. When we moved, the house came with all the kitchen appliances, that we chose at the time we close the contract. In XX/XX/XXXX, I received a communication from XXXX XXXX XXXX that I owed {$3900.00} from a loan to buy appliances at XXXX Private Label around the year XXXX. I never gave my information neither to XXXX Private Label nor any other corporation for a loan to buy appliances. The price of the house that we bought included all the appliances and as of this date the house has the same appliances as the day we moved. The House was payed in full in XX/XX/XXXX, and I did not incurred in any other debt whatsoever. At this time XXXX XXXX XXXX is the company that is contacting me with the purpose of collecting the fraudulent debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate information on my report. The following addresses are Non mailable XXXX XXXX XXXX XXXX mi XXXX XXXX XXXX XXXX XXXX mi XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is formal complaint against Equifax Credit Bureau. 
For last two years I have been trying to get a FICO score from this credit reporting agency. 
However with no succes so far, and the company is still reporting me a deceased person. 
I have send 10 or more letters with copies of my current documents showing that I am alive ( drivers license, passport, car title, insurance bill, social security card, license plate sticker sheet etc. ) but so far all my effored have been ignored. 
Can you help? 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX5 U.SC. 1681 SECTION 602 A. States I have right to privacy 15 U.S.C 1681 SECTION A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Without The prior consent of the consumer given direclty to the debt collector or the express permission of a count of competent jursidiction, a debt collector may not commincate with a consumer in connection with the collection of any debt.
Product: Student loan

Today, I received a letter regarding my federal student loan explaining the repayment schedule and estimated interest accrual. Since graduating from XXXX XXXX XXXX XXXX, I have made IBR ( Income-Based Repayment ) plans with student loan companies. The government has been changing my loan company for years. This is company # 4, I think. My Student loan started in XXXX for the amount of {$35000.00}. This company now estimates my interest as {$23000.00}, for a total of {$61000.00}. How is this possible? I'm a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My salary is XXXX dollars per hour. I can't work full-time because of my husband 's XXXX  conditions. I'm XXXX and my husband is XXXX XXXX XXXX, I studied for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to become a XXXX here in XXXX The ED Financial Services told me to pay {$320.00} for XXXX months and {$15000.00} for XXXX  months How could I do that with my income and my husband 's SSI which is $ XXXX monthly?

Every year, I have filed my taxes reflecting our limited household income. 
Also, my bank statements show I do not have savings right now because of the inflation and our monthly expenses. I don't buy a new car because I can not make monthly payments, same in this case. I can not pay the amount of money this company requests from me. 

Please let me know what I can do to solve my situation. I am begging for help! 

Thanks for your time on this matter
Product: Consumer Loan

Ally FinancialXXXXXXXX, MN XXXX XXXX 2015Re account : XXXXOn a turned in leased XXXX, I previously received and paid a bill for $ 190+ to cover " excess wear ''. That bill contained a link that allowed me to view the " excess wear ''. 

Two weeks later, I received another letter, informing me of the " unearned rent charge '' to be returned to me, less " Excess Mileage/Wear of {$180.00}. This time there was no information that allowed me to see an " excess ''. Your letter did, however, tell me I could reach you online, although, since the lease was over, your site did not allow me to do that. 

Questions : ( 1 ) What is the exact nature of the " Excess Mileage/Wear '' charge of {$180.00}? 
( 2 ) Where is the visual proof of this wear? 
( 3 ) Do n't you think it is unreasonable and misleading to send XXXX separate charges? 
( 4 ) Would n't you agree that it is high-handed to send an undocumented bill? 
( 5 ) Do n't you care about repeat business? 

Please document or delete the latest charge of {$180.00}, and return to me the full " Unearned rent charge '' of $ XXXX, XXXX XXXX XXXX, MI XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

JP MORGAN CHASE BANK KEEPS SENDING ME BILLS FOR OVERDRAFT LINE OF CREDIT PROTECTION THAT THEY SAY I AUTHORIZED THEM IN 2005. DESPITE THE CHECKING ACCOUNT IN QUESTION BEING CLOSED, THEY KEEP SENDING ME BILLS AND REPORTING NON-PAYMENT TO CREDIT AGENCY SEVERELY AFFECTING MY CREDIT. I HAVE CALLED SEVERAL TIMES TO THEIR XXXX NUMBER AND VISITED THE BRANCH BUT TO NO AVAIL. THEY ARE REFUSING TO RESOLVE THE ACCOUNT.
Product: Debt collection

I reported all three bureaus I have no knowledge of these people I reported to the three bureaus credit bureaus must seize all collection activities but they did not.
Product: Debt collection

Company is using a tactic saying I owe them money in which case I don't. XXXX it was assigned to XXXX XXXX XXXX which i never set up a contract or signed any document with them. I don't not even know who is Unifin, Inc because i never signed an agreement or contract with them either.
Product: Debt collection

Mountain land collections called me and stated I had an outstanding amount owed to XXXX XXXX XXXX XXXX XXXX XXXX of XXXX. I explained to them that XXXX/XXXX had deducted XXXX a month from my credit card from XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX and that the bill was paid in full. I then received a Request for Payment from Mountain Land Collections on XXXX/XXXX/XXXX stating I owed the above amount and had 30 day to dispute it or a negative credit entry may be placed on my credit report. The letter stated that if I disputed the amount owed within 30 days they would send me validation of the debit before any negative entry would be placed on my credit report. On XXXX/XXXX/XXXX I had my attorney draft a letter responding to the Demand for Payment and sent them my credit card ledger showing all the payments were deducted from my credit card every month from XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX they did not responded to the letter or send me or my attorney anything. On XXXX/XXXX/XXXX while attempting to refinance my home I was informed from XXXX that Mountain land had placed a negative entry on my credit report reducing my credit score by XXXX points from a XXXX to a XXXX and causing the mortgage company to attempt to charge me a huge interest rate on my loan. I was also informed by XXXX that they had now placed a negative entry on there credit reporting agency on my report. I do not owe any money to XXXX or XXXX. The amount was paid long before it was ever sent to mountain land.
Product: Payday loan

I applied for a loan with ACE Loans. After submitting the proper paperwork I was denied a loan. I asked for a valid reason and was not given any specific reason. I called their main office and was also given the run around. I think this is a very questionable operation. They take your personal information and then do not offer a valid response like most lenders.
Product: Credit reporting or other personal consumer reports

I checked my credit report and I noticed an error in the payment status with one of my accounts. I was never late on this account. The payment history shows that I paid this account on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to equifaxsecurity2017.com, both my wife and I were part of the recent Equifax data breach. In exchange for lax security that led to release of our SSNs, DOBs, full addresses, and? driver 's license numbers, Equifax is offering ONLY free credit monitoring that will notify us AFTER someone has improperly used our data. Equifax offers nothing to PREVENT improper use of our data from occurring. 

Despite Equifax ' negligence with out private data, we must STILL pay {$10.00} to each of the 3 major credit bureaus to proactively freeze our credit reports to avoid fraud. We must then pay {$10.00} to each agency whenever we want to temporarily thaw our report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 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

I was charged late fees due to the automatic bill payment that I set up having some error that I was never notified of. I am paying the full statement immediately but I feel like being charged late fees when I set up automatic full statement payments is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Experian had completed nothing to correct my Credit Report and eliminate the Fraudulent Information totally from my Credit File. I have been sending uncountable letters appealing to Experian to confirm the disputed accounts and take out them if unable to show that the accounts are mine. I have been a victim of Identity Theft and the accounts I am disputing do not narrate to any business that I have made or approved. Neither did I obtain any ownership of goods, money, services, nor profits from the Theft of my Identity. I have read that Experian is guaranteed to fulfill with the FCRA regulation section 605b but regardless of all my labours to notify Experian about the theft of my Individuality and that the accounts were never mine, Experian never feel a concern nor paid any care to my Disputes. They became neglectful of the FCRA law and continued reporting this information on my File without Proper Confirmation or Examination. I came to a decision that the Credit Bureaus are not frightened to break the Federal law thus they took to be slothful and abandoned my appeals. I am determined to take legal action against them but I will be lavish enough to give Experian a couple more chances to verify me wrong about my conclusion.Once again, I am urging Experian to get rid of the following accounts completely from my File with or without appropriate verification since the time set to the Credit Bureaus to examine was already done. I need the following accounts removed now! 

XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX