23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Midland Credit Management, XXXX XXXX XXXX, XXXX XXXX CA XXXX, has called me repeatedly for at least 6 months accusing me of a credit card debt in XXXX 2014 of over {$800.00}. I have spoken to XXXX representatives and all three have assured me that the last XXXX digits of my SSN and the last XXXX digits of my credit card number do not match the card holder that they want to contact. They promise each time that I will not be contacted again but that has not happened. I noted the names of XXXX of the representatives that have promised to delete my phone number. Those names are XXXX XXXX and XXXX XXXX. I have twice asked to be referred to a supervisor. I waited on the line for 60 minutes and another time for 17 minutes. My credit card co. agrees that I do not owe this amount. Also, Midland is looking for a person that has a slightly different name than the XXXX on all of my credit cards. 
I am really feeling harassed with no end in sight. Can you get them to cease and desist? 
I have blocked XXXX of the phone numbers that Midland uses but they continue to call using different XXXX and XXXX numbers. I am becoming very concerned that my excellent credit rating is going to be compromised
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX. 
CREDITOR : XXXX XXXX XXXX DATE ASSIGNED : XXXXXXXX XXXX AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I placed an order with my swiss colony account and swiss colony fraudulently opened another account the day after my order was placed and when I tried to pay my original account it showed a XXXX balance and I tried several times to contact them about it without results until I got a thirty days late notice for an account I didn't open I called again.They told me it must have been a system glitch and they would fix it and close the second account they did nothing and then blamed it on me and XXXX was notified of this and that I wanted the account closed as I didn't authorize it. They assured me they would fix it and they didn't do what they said either even though I showed proof of my first account and the date I ordered and the date the new account was opened which was the day after my order was placed. They alsoade a hard inquiry to my credit bureau which negatively affected my XXXX XXXX
Product: Debt collection

The company is transworld system llc stating that I owe XXXX since XX/XX/2020 for utilities I do not acknowledge this debt this is against US CODE 1681 and is a defamation to my character and livelihood I have filled an identity theft report
Product: Mortgage

Today I called AmeriHome to inquire on a wire that AmeriHome was supposed to have deposited {$5600.00} into my account. A Representative named XXXX XXXX XXXX ) informed me that the wire was made on XX/XX/XXXX. It is now XX/XX/XXXX and there has been no wire deposit into my account. The representative confirmed my bank and account number. I requested a copy of the wire confirmation but he was unable to provide and said he would put in the request to have someone mail me that. 
I really need help this wire is supposed to be a reimbursement of my escrow funds when I closed my mortgage with them. My mortgage was paid in full in XXXX of XXXX. AmeriHome stated that the check for my escrow refund was mailed on XX/XX/XXXX but I never received the check. A representative later informed me that the check had been cashed. The check was not cashed by me and so I filed a police report and completed the process at AmeriHome for them to investigate that process went on for many months and finally in XXXX I was told that AmeriHome would be reissuing the check. Then on XX/XX/XXXX Amerihome mailed me the attached letter with a check enclosed that was not written out to me. When I called AmeriHome they informed me that it had been mailed to me in error and that they had to internally issue payment to XXXX and then XXXX would make a payment to me. On XX/XX/XXXX I received an email thanking me for my payment received by AmeriHome on XX/XX/XXXX for {$5600.00} ( exact amount I am waiting for them to issue me ), a payment that I did not make. This mortgage company is a true mess. It has been over a year that they have failed to give me my escrow funds. I really need help this mortgage company has no way to escalate a call to a supervisor or fraud department it is simply a representative that takes the call and informs me of the notes on the computer and if I ask any question of them they say they will send a message and I need to call back to find out the response.
Product: Credit reporting, credit repair services, or other personal consumer reports

The dates are reporting different on my credit report XXXX XXXX XXXX XXXX  XXXX15 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 has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have received repeated phone calls from Capital Accounts regarding a debt received in their office from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, TN XXXX, ( XXXX ) XXXX. XXXX XXXX XXXX office states that there is no debt owed them from me. XXXX who is in the doctor 's billing department has contacted their sales departments ( XXXX ) at Capital Accounts to confirm this information. We spoke with a supervisor, XXXX at Capital Accounts, who handled the call from myself and XXXX on XX/XX/2019 and was told that he saw where XXXX called and and see that there was no account but he would further investigate and get back in touch with me. I did contact XXXX today and he did remember our case, put me on hold, and the call was lost. I called back and the CSR was very rude and refused to allow me to speak with XXXX. I explained to her that he was the supervisor who did ask me to contact him with futher questions. She became extremely rude and the call was disconnected. I called and got another CSR who was equally rude and shouting at me explaining he was handling everything now and that I would not be able to speak with XXXX as he never spoke to people who had the debt. This call ended up with no resolution.
Product: Credit card

On XX/XX/2024, I paid {$290.00} to askforfunding.com for services they claimed would connect entrepreneurs with potential investors. Despite their assurances, I received no investor connections or any tangible service. Multiple attempts to contact their support for assistance or a refund went unanswered. I disputed the charge with my credit card issuer, Apple Card ( Goldman Sachs ), but they denied my claim on the basis that the transaction was authorizedignoring the fact that I never received the services I paid for.
Product: Debt collection

XXXX XXXX has frequently called my phone number, my family members phones, and my work phone numerous times a day. After finally getting sick of her annoying attempts, I emailed her and told her to not contact me any further at work on XX/XX/18. After I sent that message she decided to send a fax over to my work. Since I sent in writing that she was not allowed to contact me and she did, she has violated the fair debt collections act. I informed her I would not speak to her until I consulted with my attorney as after I spoke to someone last month and received my paperwork I noticed on my loan amount that XXXX XXXX had crossed out the amount that I wrote in and doubled it. Since I did not authorize that and was not told of it, that would be a fraudulent charge and I need to speak with my attorney on what I should do. XXXX has called me about 5-6 times a day since XXXX begin, every single day, she called my family members harassing them as well and now she is calling my work 2-3 times per day as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act US DEPT OF EDXXXX 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 : Is also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

To whom it concerns, My name is XXXX XXXX. A month ago I applied for a new XXXX XXXX with Navy Federal Credit union and was approved for a 15.99 % interests rate with a {$15000.00} limit. 

One day a week after I got the card, my grandson logged into my account for me, and I typed a letter to add him as a authorized user. It was approved by secure message. The following week my accounts at Navy Federal were all disabled. I called to see why, verified my identity. I sent them my Drivers License as well as my signature 4 times. They then requested I send in my daughters PoA which I did, then they requested we get proof Im XXXX by my doctor because I cant walk. I use my card online to pay bills, and order things. I mail in my payments. I sent them letters proving Im XXXX and cant walk. From my doctor. I am now being told to contact the fraud department. 

I contacted the fraud department and now I am being told I cant use my accounts unless I get a note from my doctor saying Im mentally decapitated. Which I am not, or I come in branch which I cant because I had XXXX XXXX and am XXXX. I do not leave my house. 

I have complied with all their request and the card shows up on my credit report as active but I cant use it or any of my accounts at Navy. This has gone on over a month. 

No one there cares, and is discriminating against me because Im handicapped elderly. 

This is crazy they wont even let my family speak on my behalf if I give them permission. So now I am turning to you for help further. Because this isnt how you should treat a member. 

Also now they have lowered my credit score because of the inquiries I cant get credit elsewhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed DEPT OF ED/XXXX  acct # XXXX reporting a debt that I never contracted or agreed to pay. They have reported negative and XXXX  information beginning XX/XX/2012 on my credit report. They have never given sufficient information to me in order validate this debt. I disagree with their actions. I challenge the accuracy and integrity of this information. 12 CFR 1022.41 ( a ) Accuracymeans that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

( d ) Integritymeans that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and ( ii ) Listed in section I ( b ) ( 2 ) ( iii ) of appendix E of this part.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in 2017, XXXX XXXX closed my XXXX card with no consent or knowledge from me. 
This led to me not being able to make payments on the account. This then led to the account going late multiple months then to a charge off. 
Even after talking multiple times to their overseas customer service departments, with no help. They would only say things like " the account is closed, we cant help you '' or " wait till it goes to collections ''. 
For the last 5 years this account has HAUNTED me and my credit reports. Making it still so I can not obtain proper credit or even a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert around XX/XX/XXXX, XXXX there was a collection on my Equifax report that does not belong to me. I submitted a dispute online. Equifax wrote be back and said they verified the items belongs to me. I have also written the XXXX company as well and asked them to delete this information because i have never had any account with this company. Equifax continue stop report in accurate false information on my credit file and i want hen to delete this information immediately and stop playing with my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017 through my Debit Management Program XXXX I entered into an agreement with Huntington National Bank to close the credit card issued by them and set a payment plan for {$130.00} per month. In XX/XX/2017 I began to receive collections calls from Huntington and after discussing with them I was told that the account was charged-off. This is a violation of our agreement in good faith. Additionally I had a conversation with a specialist at Huntington that assure me that the charge-off would be reversed and marked as closed, paying. I would request Hunting honor the DMP agreement by removing the charge-off notation and properly re-aging the account per the terms of our contract. I have attempted to call and dispute this reporting several times with no success.
Product: Debt collection

In XX/XX/2016 I sold my home as a result of a divorce. My Ex wife and myself cancelled and paid all bills related to the home. XXXX ( Perfection Collection, LLC ) just placed a collection on my credit two years later stating that I owe {$950.00} when I have not owned the home for over two years and fulfilled all contractual obligations and payments beyond what I owed. How can it be possible to penalize someone for 9 months of service when I didn't even own the home? It is not a penalty for early termination, because we had the service for almost 4 years.
Product: Debt collection

I keep getting calls from ERC ( XXXX ) asking for someone like XXXX XXXX ( the name is unusual. ) I have told them I am not associated with any such person, have never known anyone with such a name and to please disassociate my number from her overdue account. They apologize, say they will remove my number from her account, and then call me again the following month!
Product: Credit card or prepaid card

spent {$3000.00} in XXXX months and the customer representative extended the last day to XX/XX/2020. I made another eligible purchase of {$900.00} XXXX pay for the rent XXXX on XX/XX/2020 which met the spending {$3000.00} offer. Actually, I asked their customer service and they confirmed I can get the XXXX American airline bonus if I made the XXXX purchase on XX/XX/2020. However, the Citi bank refused to give me the XXXX XXXX XXXX miles offer and tried to contact their customer service many times. Their customer service just cut the connection almost every time. Personally, I would not open any cards from Citi bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 mXXXX XXXX XXXX XXXX  credit card was charged off. In XXXX I was sent a text message about my account stating that if I made a {$65.00} dollar payment it would keep the account from being charged off. I made that payment XX/XX/2022 and the card was charged off the next month { XXXX } after saying when I made the payment the account would not be charged off. My account should have never been charged off as an account has to go 180 days with no payment before charge off and that was not the case. This is a violation of my FCRA rights and this account needs deleted from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding several unknown and inaccurate items listed on my credit report. More than 60 days have past without a response and I feel that my request has been ignored. in Section 611 ( a ) of the FCRA, it clearly states that failure to investigate these items in 30-days requires them to delete the disputed items immediately. It has been a total of 67 days since my request was made and to date, no response. These items should be promptly deleted from my credit report. My information had been involved in the Equifax data breech and is most likely in the hands of the wrong people.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, a credit intervention letter was sent to XXXX  in relation to derogatory item on my credits report. The first late payment was in XXXX and under the advice of a law firm, this account is past the statue of limitations. In addition to this, upon further investigation, I found that the co-signer on this account has assumed the responsibility and does not consider me liable. For these two reasons, I find that the information displayed on my report is inaccurate. I hope that there is a good faith understanding that I have confirmed this information both with XXXX XXXX and the co-signer. I have attempted to address this to the extent in which I am liable but I do not think it is fair at this point.
Product: Checking or savings account

In XXXX of last year, a {$9500.00} check for my XXXX checking account was stolen in the mail and cashed at Bank of America. I filed a Declaration of Unauthorized Endorsement with XXXX, who said they intend to get back to me ( and likely recoup my money ) in 90 days. However it is now XXXX and that hasn't happened. 

I have called both banks many times. XXXX says they are waiting on a response from Bank of America and Bank of America says they can not tell me the status of this claim. This is a very frustrating and very unfair experience.
Product: Credit reporting or other personal consumer reports

FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX, TransUnion & XXXX URGENT MATTER ( XX/XX/XXXX ) Subject : Urgent Matter - Consumer Submission under FCRA Section 605C Dear Sir/Madam, I am writing to formally challenge fraudulent items on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). My name is XXXX XXXX, and my Social Security number is XXXX. I am also a victim of XXXX XXXX which has further complicated my financial situation and led to the fraudulent accounts listed below. 
I dispute the following accounts as fraudulent and request their immediate removal from my credit report : Unauthorized Fraudulent Accounts : 1. XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$39000.00}, Account : Charged Off 2. XXXX XXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX, Balance : {$34000.00}, Account : Charged Off 3. XXXX XXXX XXXX ( XXXX ), Opened : XX/XX/XXXX, Balance : {$21000.00}, Account : Charged Off 4. XXXX XXXX XXXX ( XXXX ), Opened : XX/XX/XXXX, Account : Closed 5. XXXX XXXX  ( XXXX ), Opened : XX/XX/XXXX, Balance : {$3400.00}, Account : Collections Unauthorized Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Fraudulent Addresses to Remove : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  LA XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX These accounts violate my federally protected consumer rights under 15 U.S.C. 1681, including the right to privacy and the right to dispute inaccurate information. If these accounts can not be verified, they must be removed immediately as per FCRA Section 609 & 611.

Please address this matter urgently. Failure to respond satisfactorily within 30 days may result in legal action. 
Sincerely, XXXX XXXX
Product: Debt collection

Sending harassing letters and calling over the phone early morning and late evening
Product: Vehicle loan or lease

I have made the payments to get the loan up to date but I have been able to get the car and they will not bring the car to me. This company did not talk to in the first place and I told them if they get the car to me I would take to make the payments but they will not bring the car to me and are planning on selling the car, I told them to go ahead and sell the car because I don't like to pay for something I don't have and never had from day one because they were talking to another person until I received a letter telling me that the car had been taken back. I am an XXXX year old person and I am trying to make ends meet with my income,
Product: Checking or savings account

I opened BOA XXXX XXXX account back in XXXX, but now they are forcing to convert this no-fee checking account to a fee imposed checking account, so-called XXXX XXXX. They were promised me that this is a lifetime no-fee checking when I opened it, but now they try to convert it. Call but no help at all.