23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX and XXXX keep reporting information on my reports that are mixed files and they have my name and last 4 of my social security number in his credit file as well as names addresses and other wrongful information and negative accounts that are making it very difficult for us to make good use of our right to a fair credit opportunity
Product: Credit reporting, credit repair services, or other personal consumer reports

I reporter the identity fraud to the XXXX police on XX/XX/2016, that my Identification Card and my social security card was stolen. I reported this via the Submit a Report section of their website. I also reported my identy theft to the FTC website.
Product: Checking or savings account

Truist allowed me to pay {$35.00} for a stop payment and told me that deposit would not go through. On XX/XX/XXXX deposit posted transaction number Reference # XXXX the amount of {$660.00}. I demanded for this payment to be made available. As there had been no proper disclosure of a XXXX  party name XXXX  who processes cash reserve for Truist. I asked Truist to show me with my wet ink signature where I authorized the cash reserve to be taken from a deposited balance that the bank refused to process. Because of this refusal to process my request. The funds were deducted to re pay cash reserve. Cash reserve should have not authorized this transaction without my explicit permission in writing as the account holder. I asked Truist to cease and desist all collection activity as a formal investigation should have taken place for failure to provide proper disclosures. I was not able to properly dispute this transaction as valid and Truist stated there was nothing they could do to temporarily make this funds an available even after stated a hardship. The deposited funds were to be stopped but Truist never rejected to transaction instead took the money and has a hold on them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is repeatedly reporting my account past due under 30 Days further hindering my credit report or dulpicating amounts under 30 days raising my debt to income ratio. I have tried to resolve it several times and the company fixed a recall on my car and damaged in the process and refused to assume liability causing me further hardship. But the are damaging my Credit Reporting My account past die when its under 30 Days.
Product: Debt collection

I currently have a pending warrant in debt with a company that is not listed on my credit at all. I have checked all three and nothing matches, not the account original holder, amounts or even the collection agency. I believe this to be deceptive. I do not even have an address for the collection agency. I currently have attorney information and a statement. Looking at my credit reports the original creditor is not even listed in any form. The amount of the debt listed on the warrent is XXXX. The attorney is listed as XXXX XXXX XXXX, XXXX. located at XXXX XXXX XXXX XXXX XXXX, VA XXXX stating under oath that i have an open/active account with Credit Corp Solutions INC . Breach of contract with XXXX, but nothing anywhere else.. How am I to obtain any information when none exists? How are they an owner of an account that is not being reported and I have no other information on?
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

Account was compromised and have been a victim of fraud XXXX of which was in XXXX of 2022 and in the amount of. {$1300.00} and the other {$530.00}
Product: Credit reporting or other personal consumer reports

Equifax, XXXX, XXXX, XXXX are all reporting inquiries on my consumer reports hard and soft inquiries. When declined to remove they will make note of Permissible thats the reason however based on the law as follows : 15 U.S Code 1681b- any consumer reporting agency may furnish a consumer report under the following circumstances and no OTHER : Court, written instructions of consumer, credit transaction, extension of credit, employment purposes, insurance underwriting, license, child support. 

NONE of the inquiries EXCEPT the ones I have direct accounts should be on my consumer report AT ALL! Please fix I will charge for each one that is reporting fraudulently!
Product: Debt collection

Subject : Complaint against Midland Credit Management for Deceptive Practices and FDCPA Violations 1. Plaintiff or Collection Agency Information : Name : Midland Credit Management inc Amount Claimed : {$5300.00} Date of Claim Notice : XX/XX/year> MCM account number : XXXX Details of Complaint : Dear Consumer Financial Protection Bureau, I am contacting you to file a formal complaint against Midland Credit Management for deceptive tactics, harassment, and violations of the Fair Debt Collection Practices Act ( FDCPA ) related to the collection of an alleged debt. 

False Claims of Garnishments and Liens : Midland Credit Management has sent me letters on multiple occasions stating that they can : Garnish my wages. 
Obtain a lien on my property. 
Obtain information about my assets to force payment of the debt. 
These threats are misleading, as they have not obtained a court judgment against me that would allow them to take these legal actions. This is a clear violation of the FDCPA, which prohibits intimidating tactics and false statements about legal actions that can not be taken at the time. 
Improper Obtaining of Information : Midland Credit Management has accessed or attempted to access information about my assets, which I consider an invasion of my privacy. This behavior was unauthorized and I was not provided with any clear explanation as to how they obtained this information. 
Ongoing Harassment : The agency has sent multiple threatening letters, creating stress and confusion, and has attempted to force payment of a debt they have not yet properly validated. 
Requested Actions : I request that the CFPB investigate Midland Credit Management 's collection practices for possible violations of the FDCPA. 

I demand that Midland Credit Management provide adequate validation of the debt, including the original contract and documents detailing how the amount owed was calculated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX  Account # 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments public records and student loan accounts removed. Many of these account lack addresses and account number so I am filling them as regular basic removals.

Please apply these laws to my accounts

the fair debt collection practices act law 111-203,title X 124 Stat. 2092(2010) fair credit reporting Act (FCRA) 15U.S.C 1681("FCRA")

please removed all this thing on my credit report.
Product: Credit reporting or other personal consumer reports

My credit report contains errors with late payments inconsistent with my history. Fix these and update my account.
Product: Money transfer, virtual currency, or money service

Transfer the wrong person money through XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, dispute letters and id documents went out to all three credit bureaus by the financial company I hire to build my credit. I have not received any communication from XXXX XXXX, Experian or XXXX. I called Experian and the customer service rep said that they had not received a dispute since XXXX. I was not able to get through to XXXX or XXXX XXXX but neither has responded to the disputes that were sent on XX/XX/XXXX, by first class mail. Please look into this matter and please let me know what you find! 

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

I appreciate your help to REMOVE some accounts from my credit file that occurred because of a FRAUD yet I have certain accounts passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence. 
XXXX XXXX XXXX : {$11000.00} ; XXXX XXXX XXXX : {$12000.00}
Product: Debt collection

CAINE AND WEINER has stolen my identity and is defaming my character by furnishing fraudulent information to consumer reporting agencies. I do not now, nor have I ever had any contract with CAINE AND WEINER.
Product: Mortgage

XX/XX/XXXX My Loan went into default about XX/XX/XXXX. I hired an Attorney ( XXXX XXXX ) to address my foreclosure case. My Attorney abandoned my case in State Court. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. failed to provide NOTICE OF JUDGEMENT HEARING DATE TO THE BORROWERS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX obtained Foreclosure Judgement on XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX Schedule Foreclosure Sale without providing the NOTICE OF SALE TO BORROWERS/OWNERS ( failure to notice of a prejudice inducing event such as Sale ; generally raised violations ( XXXXXXXX XXXX XXXX XXXX XXXX ) of due process. In XX/XX/XXXX, I STOP the FORECLOSURE SALE & REMOVAL CASE FROM STATE COURT ( BAIS ) THEN TRANSFER TO FEDERAL COURT. ( XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ). The Federal Judge stated to me that my defense should have been raised in State Court. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX extinguished ALL MY LEGAL RIGHTS to defend myself in State Court. Since XXXX, the law firm of misconduct has not change as XX/XX/XXXX. Hundreds of Minority Homeowners property rights were extinguished by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I recently obtained data that my property was sold at public auction On XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX took title to my home without following the due process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been contesting credit report fraud ITEMS. The items are neither in dispute nor removed from my report. The credit bureaus appear to be ignoring the pattern and allowing these false items to harm my credit score. I have demanded that an investigation be launched and that verifiable proof be supplied if the things claim to be mine. ENOUGH IS ENOUGH! HOW MUCH DOCUMENTATION IS REQUIRED TO GET SOMEONE TO DO SOMETHING? CHECK OUT THE ATTACHMENTS! THIS IS NOT ROCKET TECHNOLOGY! You requested documentation, and I provided it. AND AGAIN! AND AGAIN! This is my final choice before I consult with my attorneys and file a lawsuit for full compensation and damages. Please remove. 
XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

Someone is using my name and using a California EDD card for many purchases in XXXX, California. I do not live at XXXX XXXX XXXX XXXX in XXXX, California. I have reported this to the California EDD and FTC with no response and continue to receive monthly statements which shows all the illegal activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXXXXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT NUMBER # XXXX XXXXXXXX  ACCOUNT # XXXX 15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Checking or savings account

I have a business checking account with Chase Bank. I experience thousands of dollars in overdraft fees each month. On XX/XX/XXXX. 2022 I called Chase Business Banking customer service to inquire about the overdraft fees that are deducted from the account on the first of each month to determine when and how the overdrafts occurred. The customer service representative was not able to give a breakdown of the fees and pertinent information on which transactions may have caused the overdraft and when. Instead, she was only able to inform me that the fees were " aggregated '' monthly because of the type of account that I have. At this time, she also informed me that Chase bank could not reverse or refund the {$1300.00} in overdraft fees. I asked that she please change the options on the account that I no longer want any type of overdraft coverage and that if there are not enough funds to cover a charge be it ACH or Debit card Chase Bank declines such charges on my account. I asked for this because the overdraft charges have been so tremendous that they have caused undue hardship to my small business. The charges are accessed at the first of each month a detrimental time for my business and probably a lot of small businesses that are responsible for rent and payroll. On XX/XX/2022, after having opted out of overdraft coverages and any overdraft protection I again noticed tremendous overdraft fees accessed to my business banking account, this prompted yet another call to Chase Business Banking Customer service, and I was told the {$780.00} in fees occurred prior to my request to opt-out of overdraft coverage, I again asked for a breakdown of when and what transactions caused such coverage and the customer service representative was not able to help me. On XX/XX/2022 I received a notification via email that the account balance was below the minimum, I logged into online banking to discover a debit card transaction in the amount of {$490.00} had gone through and resulted in an overdraft of the account. I immediately called Chase Bank customer service to find out how this could happen ; the customer service representative informed me that I should probably just get a new debit card. This is a clear violation of my rights and the laws that govern banking institutions ; I asked the customer service representative to confirm that I would be charged an overdraft fee for this unlawful transaction, and they confirmed that I would indeed be charged a fee. I did not give consent to Chase Bank to pay any debit card transactions on my behalf when the funds were unavailable to cover such charges, in fact, I expressly asked Chase Bank not to pay any charges if the funds were not available to fully cover those charges. I am asking the CFPB to do a full audit on my account and to help me to recoup all unlawful excessive overdraft fees paid to Chase Bank.
Product: Student loan

On XXXX XXXX, 2016, I contacted MOHELA because I logged into my online account and suddenly saw a very large accrued interest balance. I had been paying what had been displayed on their site as the accrued interest even though my payment was {$0.00}, due to a partial financial hardship. The amount was pretty consistent, as reflected by my payment history, so I assumed it was correct. I was under the assumption that, having paid the accrued interest while my payment was {$0.00}, I would not owe any interest, so of course I was surprised to see this large number. The person I spoke with, XXXX, volunteered to file a complaint for me, but I never heard anything. 
Today, I contacted them again about a separate issue, and tried to resolve this issue as well. I spoke with someone named XXXX, who was very condescending but ultimately managed to explain the issue of the day. He did not know, however, how their computer system allocates a payment to the loans if your payment is {$0.00}, which troubles me. So my complaint is XXXX in this case : 1. Why was their online system displaying an incorrect amount of accrued interest for most of last year? 
2. Why are n't payments applied in some logical way to interest first and then principal or however they 're supposed to be applied? 
3. What good does it do for them to file a complaint with the DoE or wherever, if it just goes into the ether and I never hear back about it?
Product: Mortgage

According to Nationstar Mortgage, they have no records of ever showing a Principal Balance of {$87000.00}. In fact Nationstar confirmed that the Loan was originated on XX/XX/2003, with a PRINCIPAL BALANCE of {$100000.00}, and that Nationstar has no records that the original loan amount was $ {$87000.00}. his is associated with Complaint Number # XXXX.
Product: Credit reporting or other personal consumer reports

I am writing with grave concern that fraudulent, inaccurate, and misleading entries continue to appear on my credit report despite my numerous attempts to have them corrected. The existence of these erroneous items has severely disrupted my life, causing immense stress and anxiety. I must reiterate that I am a victim of identity theft and never authorized or approved the association of this fraudulent information with my name and credit file.
Product: Money transfer, virtual currency, or money service

Ive had cash app for a long time, Ive never had an issue with it. Ive never mishandled my account to where security measures would have to be put in place! Ive sent money and received money from the same people consistently and Ive purchased Bitcoin and withdrew it to the same address! My identity was manually verified and I have the email still from when I was told I had full access to cash app features! Out of nowhere I sent a payment to my sister who is an established cash app customer as well and Ive sent to her multiple times before! It canceled every payment on me and since then any transaction Ive tried to do! Customer service has no answers other then if they detect anything out of the ordinary they will cancel a payment! I really cant imagine what is possibly are the ordinary from transactions Ive completed multiple times before the same person. The Bitcoin wallet will not allow any transactions either! Cash app support have no answers and they are no help they just disconnect the chat over and over! I could use other platforms and I have but the point is theres no reason why I can not use cash app! Ive done nothing wrong they have provided me no information that I have! Pretty much all I can do is add money to cash back out to myself buy bitcoin sell it to cash out myself thats it! They think its normal!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXX Balance : {$850.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my consumer resport and I the consumer seen that there was accounts on my report that I did not give consent to be opened under my personal credit
Product: Debt collection

I have called Monroe and Main and been put on hold for hours. someone needs to call me from the IT department about the issue with paying my bill. I can not pay it online. My account shows a XXXX balance and it will not recognize my account number. They have sent emails telling me how to fix it but it does not work. They are continuing to report me late without giving me a tool to pay. I will not give you my personal credit or bank info over the phone and will only pay online as I have before, their sollection practice is to lock a consumer out of the billpay system once they are late and to force them to provide bank account info over the phone. If you refuse to provide bank info to a stranger they call numerous times a day ignoring the request to unlock the online pay tool. I have requested they escalate to the compliance department but that was not done. This is the same account service for my Swiss Colony and Seventh Avenue accounts. All are late now and they are not providing an option to pay other than over the phone providing bank account info to a stranger. .My number is XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of certain accounts listed on my credit report. After thoroughly reviewing the information, I have identified several inaccuracies that I believe are in violation of the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX We took a loan for XXXX from XXXX XXXX XXXX, which later was bought by XXXX XXXX XXXX XXXX XXXX  for a property located in XXXX County, Florida. Property Address : XXXX XXXX XXXX XXXX, XXXX, FL. XXXX. Such Mortgage was Paid and Satisfied ( Letter of Satisfaction attached ) in XX/XX/XXXX, but it is still coming up on our Credit Reports as an ongoing late payment. We respectfully request this situation corrected, since it is adversely affecting our credit scores and our ability to conduct our business.
Product: Credit reporting

This account has been disputed time and time again. I have submitted undisputable proof where the company that they made errors with my documentation. I lost a sale of my property due to them making an error in my processing. The credit reporting agency still has not had this removed from my file. they keep stating that is account is verified as is. But with me showing proof of their negligence it should not remain on my credit file. I also have proof where they removed the account from credit file and had it placed back on by changing the date.
Product: Credit reporting

To whom it may concern : My name is XXXX XXXX and in 2013 I had issues with an apartment building I was living in and it left me with debt on my credit report. I recently paid off the debt and it was removed from my credit report. XXXX XXXX was the original creditors and they sold my debt to XXXX different collection agencies. I have disputed the errors with credit bureaus and they have not had any success with removing the debt. The collection agency is called the National Credit Systems.
Product: Debt collection

American Profit Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Representing XXXX XXXX XXXX Has a charge off that states Highest Balance as {$220.00} But Shows Status Other as {$290.00} Total. I've ask what is the {$290.00} And I wanted a copy of the Original Bill. As of this date XX/XX/22 I've not been satisfied in either case. 
XXXX Does Not have the Original Bill!! Can I please get some satisfaction In this matter??
Product: Debt collection

{$420.00} XXXX XXXX. I do not owe this debt never heard of it or never seen it until credit report. AWA COLLECTIONS