23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently disputed a medical collections account that is currently only showing on my XXXX report. This account was supposedly from my medical provider but now another company is " representing '' them. I believe that this company having access to my information is a clear violation of my HIPAA rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing a complaint against Transunion for reporting inaccurate information on my credit report. They reported that I have a late payment on XXXX XXXX XXXX in XXXX, XXXX when I have paid the account off on XX/XX/XXXX, This is my first step to taking this matter seriously because it seems to be getting ignored again and again.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received a notification of a {$5000.00} withdrawal from my checking account into CoinBase, I contacted CoinBase showing concern as I didnt process this transaction. However very shortly after found out my younger sibling processed this which I was okay with since it was someone I was familiar with. There was no customer support so when I filled out their online information CoinBase immediately locked me out of my account and stopped me from having access to my funds! There was no fraudulent activity whatsoever however coin base still went ahead and blocked access and restricted my money
Product: Credit card

On XX/XX/year>2024 I booked a prepaid rental car reservation through XXXX & XXXX XXXX XXXX XXXX totaling {$170.00} that I paid for with my XXXX account linked to my debit card & personal checking account. We picked the rental up on XX/XX/XXXX & used our Barclay 's Mastercard to cover the deposit required to rent the vehicle, as we already prepaid for the vehicle on XX/XX/XXXX. We returned the vehicle as scheduled on XX/XX/XXXX. The following week, I discovered a charge for {$440.00} on our Barclay 's Mastercard that was used for the deposit. I immediately contacted XXXX via email to inquire about the charge as email is their only method of communication. Only XX/XX/XXXX, I received a email response indicating I had been billed for an additional cleaning fee & the charge was determined to be valid. I emailed back requesting photos or evidence of the need for additional cleaning as I'm sure we returned the vehicle in the same condition we picked it up in. The same day, XXXX responded indicating they were going to investigate further & get back to me. I never received any further correspondence from them. As a result, I filed a dispute with my Barclay 's Mastercard later that week. I sent Barclay 's evidence of my reservation & total cost for the rental as well as my prepaid charge on my XXXX  account that was paid in full ; as well as the email exchange between me & XXXX XXXX XXXX confirming they never responded to my request for proof. I spoke with at least XXXX different agents & XXXX Sr. Account Resolution Specialists at Barclay 's trying to resolve the matter. I received a letter dated XX/XX/XXXX from Barclay 's indicating they denied my dispute due to insufficient evidence that services were not rendered. I called back requesting XXXX call backs twice. The last dispute  specialist who called me back simply regurgitated what was stated in the letter & told me if I have further concerns to write into the CEO 's office as I could not speak with his XXXX. I explained several times I was not disputing the fact that services were rendered. I was disputing the undocumented cleaning fee that has no evidence to support it. The XXXX did nothing to resolve the matter.
Product: Debt collection

XXXX has a collection account on my XXXX  credit report that was paid back on XX/XX/2016, I went to dispute this item to remove it from my credit report it came back not paid so I went to dispute this with them asking for them to prove that they own the debt to send me purchase agreement with a bill of sale or signed agreement with the original creditor then I ask for them to send me prove that I owe the debt like signed document they failed to comply to my request. I send them two certified letters and refuse to take it off my credit report. and they changed the account on credit report too.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$0.00} -This is not my account.
Product: Debt collection

Acima and XXXX  are trying to collect XXXX when they delivered item in the middle of my living room floor I requested them to come get the item in witch they damaged. They offered a XXXX dollar credit for damages. So I said ok but they need to send someone to move the item because I am XXXX. They sent someone to mover the item and pick up the water hose since there was no hook up. I was told once they returned they would refund XXXX for the hose. They came took hose but never moved the fridge. I then called XXXX  who said they cant pick item up I need to call acima to pick up. Acima refused to pick up item because they had no one in area to do so. So acima then made a settlement deal for XXXX. I accepted the deal in witch I told acima I had made a payment and was owed a XXXX credit so I would only owe around XXXX. The gentelman on a recorded call said so you owe XXXX I will put that in the notes thats all you owe. Remind you calls are recorded. I said ok when I called to make a payment they told me the settlement amount wasnt allowed
Product: Mortgage

We are trying to get a mortgage and it is showing that we have late payments from Roundpoint all the way up until XXXX of XXXX which is absurd considering our loan was transferred from Roundpoint to XXXX XXXX XXXX as of XX/XX/XXXX. I want all late payments since that date of XX/XX/XXXX removed immediately. I attached an email from Roundpoint stating that our loan was transferred as if XX/XX/XXXX therefore all late payments after that date are incorrect.
Product: Student loan

I applied to have my loans discharged based on misconduct and I requested a refund for the balance I paid to these loans. I had all my private loans discharged due to misconduct, but did not receive the refund. I believe if the school is found to have been in misconduct, I should not have paid anything and should be receiving a refund for the money I paid on the loans. I received a generic response from XXXX that refunds will not be issued.
Product: Checking or savings account

Wells fargo kept over drafting me a bunch of day, also they with drew the wrong amount from my.credit card twice and then closed it.
Product: Debt collection

Common Wealth Financial System Inc XXXX XXXX XXXX XXXX XXXX, PA XXXX Derogatory credit on my credit report. I sent letter XX/XX/2019 asking for documentation of debt. I was not provided any information or original documentation including bills etc. I am unsure of what this creditor is referring to and need proof of legitimacy. 
If company can not provide documentation I would request it be removed from my credit immediately.
Product: Credit reporting or other personal consumer reports

I've contacted all companies and have been constantly ignored about this ongoing fraud activity that's being reported on my credit report. The following items are not mines and I request that XXXX, XXXX XXXX & CAPT/SAKS FIFTH AVEN remove immediately. 


The following items are fraudgalent and unauthorized. 


XXXX Creditor XXXX XXXX inquiry date XX/XX/2023 XXXX Creditor CAPT/SAKS FIFTH AVEN inquiry date XX/XX/2023
Product: Credit reporting, credit repair services, 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. 

XXXX, XXXX, XXXX XXXX XXXXXXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX A ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX  XXXX, XXXX  XXXX, XXXX, 15 U.S.SC 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: Prepaid card

I received {$350.00} worth of gift cards that are American Express. I have tried to use them in-store ( via swipe ) and online ( via cards ) and they get declined no matter what. I have activated them and have confirmed their status as active via Amex 's online site. I have confirmed the balance is on the card electronically and I confirm that I have not used them and have kept them in my possession at all times. I have tried to use these cards multiple times. These cards are not expired. The company has not helped me resolve it. 

The merchant ( American Express ) has told me that there are " restricted merchants '' but they won't tell me where I can use the card. This is not acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, on XX/XX/XXXX i sent letters to XXXX, XXXX and transunion requesting unknown and unauthorized inquiries to be removed from my credit reports. XX/XX/XXXX transunion responded with a letter refusing to remove the inquires. experian and XXXX have not responded at all. 

The inquires that are fraud, unauthorized and need to be removed are : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX CARD Inquiry date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

It is My personal statement that the Bankruptcy that I have listed here is fraudulent and needs to be deleted from my credit report pursuant to 15 USC 1681c-2 on clear grounds of identity theft. XXXX XXXX  Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX SEE ATTCHED IDENTITY THEFT REPORT
Product: Credit reporting or other personal consumer reports

Dear [ Credit Reporting Bureau ], I am writing to dispute a late payment reported on my credit report for the [ Account Name ] account ( XXXX : XXXX XXXX ] ). 

I have reviewed my credit reports from all three bureaus ( XXXX, XXXX, and TransUnion ) and discovered inconsistencies regarding this late payment amount due. While your report reflects a late payment on XXXX, neither XXXX nor TransUnion reports this delinquency. Payment was made to the creditor on time and never received a late payment notice Due to this discrepancy, I believe the information on your report is inaccurate. The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to ensure the accuracy of information they provide. In this case, the inconsistency across all three reports raises concerns about the validity of the late payment on your record. 

Therefore, I request that you investigate this matter further and remove the late payment from my report. If the investigation reveals the late payment is truly inaccurate, I also request that you update the information with the other two credit reporting bureaus to ensure consistency across all reports. 

In the event you are unable to verify the accuracy of the late payment, I request that you remove the entire ( XXXX : XXXX XXXX ] ) account from my report. 

I have enclosed copies of my credit reports from XXXX, XXXX and TransUnion highlighting the inconsistency in the late payment amounts for your reference. 

Thank you for your time and attention to this matter. I look forward to your prompt resolution. 

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

Experian will not remove XXXX XXXX XXXX off their credit report and it has been over seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed a car. I tried several times to get the dealership to fix the car. They put it in the shop XXXX times and didnt fix the problem. I broke down in the car so I had it towed to a XXXX dealership where they told me that the car needed a timing chain. I bought the extended warranty at the dealership when I signed the loan. The warranty company refused to fix the car with the excuse that I didnt have an oil change receipt but the fact is I only put a total of XXXX miles on the car and the dealership supposedly did an oil change on the car when I bought it. The car did get repossessed but I feel the dealership and the warranty company were and still are using fraudulent tactics
Product: Vehicle loan or lease

SENT BILL OF EXCHANGE AND 1099A 1099C TO SET OFF THE ACCOUNT TWICE THEY KEPT THE FINANCIAL INSTRUMENTS AND NEVER SET THE ACCOUNT OFF REQUESTING PAYMENT AND REPORTED ME TO THE CREDIT BUREAU 'S
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has caused a great deal of suffering with reporting my credit not only was there a breech with my personal information I never authorized them to report or have my information to begin with Ive called but they did nothing to be proactive nor reactive in this situation
Product: Credit reporting or other personal consumer reports

I am filing a complaint against 5 separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of personal credit cards, utility accounts, wireless cellphone accounts and online personal loan accounts. These accounts have resulted in several fraudulent hard inquires and fraudulent collections appearing on my consumer XXXX credit report. Please remove the aforementioned fraudulent from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Mortgage

AMERICAN MORTGAGE made a hard inquire on my to all three credit reporting agencies : XXXX - XXXX, XXXX - XXXX, and XXXX - XXXX, see attached. This has harmed my credit and credit worthiness as well as my ability to move. I have XXXX sons that I am desperate to get out of this XXXX neighborhood. They say, " where was the mother '', well I 'm here and saying " why is AMERICAN MORTGAGE hurting my ability to move '' and making unauthorized hard pulls?
Product: Mortgage

My household was impacted by XXXX, the forbearance period has ended but my financial hardship has not. My mortgage is currently past due. I contacted a HUD approved financial advisor and was advised of the CA Mortgage Assistance Program. I completed the CA Mortgage Assistance application on XX/XX/21, my application is on hold due to my Mortgage servicer not being a Program Participant. Applications can only remain on hold for 30 days. I notified my servicer First Bank and XXXX of this notice and requested their participation via telephone and website email. XXXX has failed to have a process in place that reviews current grants available to their mortgagees affected by XXXX. I have gotten transferred back and forth from the loss mitigation department and customer service with no resolution. I have been told that there is not a dept. or person that can assist me with my Mortgage Servicer becoming a participant. I am concerned that my application will be denied do to lack of participation from the Mortgage Servicer.
Product: Debt collection

MCM just replies with the same message as a robot. MCM have not answered nothing I have stated. This is the same reply as the one before. Why is CFPB closing the dispute? Cease and Desist. From whom? MCM? Who are they? A Debt Collector/ Creditor? So, lets close the dispute because MCM they can copy and paste a template response? Lol. Sounds really professional. Why is CFPB allowing fraud? Again, why have Consumer Financial Protection Bureau not following their own rules and regulations? A debt collector like MCM may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. 15 USC 1692e and 15 USC 1692f. Let 's ignore the law. MCM is falsely claiming to be a creditor when it is also claiming to be a debt collector under 15 USC 1692e ( 11 ). The use or distribution of any written communication that simulates or is false represents a document authorized, issued, or approved by any court, official, or agency of the United States or any state that creates a false impression as to its source authorization or approval. 15 US 1692e ( 9 ). Let 's just welcome fraud. So, from the beginning MCM is a fraudulent company. But what they are saying must be true.
Product: Debt collection

charging interest not charged on disputed medical bill turned over to them .Placed on credit report without stating disputed Debt. Placed on spouses credit report when he did not sign for debt and again did not state disputed debt. Notified neither party was going to place on credit report.
Product: Mortgage

InXX/XX/XXXX my ( then ) husband and I bought a house and took out a line of credit. Both of out names were on the loan. In XX/XX/XXXX, we were divorced, the deed to the home was quit claimed to me and I was making all monthly payments to Bank of America for the Equity Line. Approximately 2-3 years after I was divorced, my ex husband filed Bankruptcy in XXXX, where he was living ( I live in XXXX ). At that time, I spoke with Bank of America about this loan as I had received notification that the loan was now with the bankruptcy dept due to his name being on the loan and his filing for bankruptcy. At the time I disputed this with BofA, stating I was making all the payments so the loan was still in good standing regardless. The Bank representative told me " it didn't matter '' that the loan was with the bankruptcy dept and all I had to do was continue to make payments and all would be the same, which I did. I also had them remove all of my ex husband 's personal information from the account so I would be the contact for any correspondence regarding this account. 
I stopped receiving statements on this account approx 8-10 months ago and thought it was due to me going " paperless ''. I went to the bank branch I use a few months ago just to make sure all was in order with this loan, and the Bank manager looked up all the payments but couldn't definitively tell me why this loan was no longer noted on my online banking. She told me she would research it and get back to me. She did not. 

I now have my house under contract to be sold, and contacted the bank to get pre-approved for a mortgage of XXXX. My income is over 100K annually, so this should not be an issue. The last time I checked my credit status ( over a year ago ) it was XXXX. I was contacted by a Bank of America Loan officer and after running my credit I was told my credit was in the 500 's because the Equity Line was showing up as delinquent. I explained to her that that's impossible, I have been paying all along, and she told me to contact the Bank. 

I went straight to the Bank and filed a " credit dispute '' which I was told can take up to 30 days and still does not guarantee a positive response. Also, I was told today that the Equity Line was " XXXX '' in XX/XX/XXXX, which I was never informed of. Not once have I received any updates, requests for additional funds, or information about this loan via email or USPS or telephone regarding a change status on this account. I have continued in good faith to pay on this loan and all this time the bank never notified me of any changes, and when I did inquire on the status of this account, was given no answers. 

I need this resolved now - I have no faith in the B of A process at this point - I was doing exactly as I was advised to do by the bank and was never informed that this loan had any issues at all. I further stated that their erroneous credit reporting was ruing affecting my ability to conduct business ... .the only response I got was " we will look into it ''. 

Now this issue is holding up my ability to get a mortgage as well as selling the house that will pay off the loan ... Help please!
Product: Credit reporting or other personal consumer reports

I am filing this complaint because my personal and financial information was exposed during a recent data breach. This breach compromised sensitive details, including my debts and accounts, such as my car loan, credit card with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and certain medical bills. The breach also exposed my personal information, including as Social Security number, address, phone number, and confidential medical information. 

I became aware of this breach a month ago via email amd mail regarding the incident. As a result of this exposure, I am now at risk of identity theft and financial fraud. 

The breach has caused significant concern about the security of my financial and personal data. I have already taken steps to mitigate the potential harm, such as monitoring my accounts, but these measures have required time, effort, and additional expenses on my part. 

I am seeking assistance to ensure accountability for this breach, including measures such as offering free credit monitoring services, providing reimbursement for any related expenses, and improving security measures to prevent future breaches.
Product: Vehicle loan or lease

We have had problems with BMO since they assumed our RV loan from Bank of the West in XX/XX/year>. We never received a notification of the change. Online payment option was disabled. Customer service number couldnt help until we had a loan number to give. By the time we received any information ( a past due notice in XXXX ) we were 3 months behind on payment. We promptly made a payment and promised to bring current by XXXX We mailed at check at the beginning of XXXX to bring current. However, had to make a phone payment and stop payment on check when they attempted to repo the RV. Since then, they have misapplied our monthly payments keeping the loan in 30 day past due status. They have illegally been charging late fees for the misapplied payments and negatively reporting to credit. We have requested a statement of account every month since XXXX and have not received anything. We have no idea what the balance of our loan is or how much in late fees they have applied. Up until XXXX, the account appeared to be ok, but since then they have been telling us were a month behind despite being presented with payment confirmation numbers. We have been blindly making payments monthly and have the proof of payments available.