23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have collection on my account has been placed on my account from Professional collections. I have know knowledge of this account and I have asked them send me information regarding this account. But i have not gotten any response or a letter stating that i owe this debt. Please remove this off my my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

As you are aware, a charge off is a debt that has been discharged and taken as a tax write-off by your company. However, I have noticed that despite this, the charge off is inaccurately reported as owed on my consumer reports. This reporting is in direct violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 ( e ) ( b ), which mandates that all information reported must be 100 % accurate. 

I have been informed by the IRS that it is unlawful to report this information to my consumer report, either for collection purposes or to indicate a charged-off status. As such, your company 's reporting has caused me significant concern and distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRUN DOWN BY Over 6 lenders, discrimination complaints against a federal government agency this was filed with the Federal Trade Commission and the Consumer Financial Protection Bureau. list of complaints never getting addressed. due to the lack of not getting Addressed, I collect countless documents and images and sent with complaint, sent letter to them send letter certified, they Received them and did nothing, to your office as well as the credit bureau. you office had over 18 complaints not being address, the credit bureau reported debits valued when the reporting data is showing no payments every made, accounts were closed a-part of a XXXX XXXX XXXX  refi. checks was sent and data wasn't proved to them right. on XXXX and money was taken out off mine and my wife XXXX XXXX, after fight over 2 years with this matter your office failed to removed this wrong info, by blocking American disability act, and the fair debt collection practices act, i have sent-mail and emails to the following with no results, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, As you can see from the list provided I'm getting no were i asked your to call me when this happened in Utah and now its still going on i have ended up with a XXXX XXXX  XXXX XXXX over this i ended up in small claim court were the dismissed after spending XXXX or more.
Product: Student loan

Refinanced my loans through XXXX. XXXX sent checks out to all parties including discover. Discover received the check and cashed it but no credit was made to my account. An image of the check was sent to discover and still no answer as to where the XXXX went.
Product: Debt collection

This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. There has been unauthorized used of my information and credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX {$14000.00} Acct # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America mortgage agent XXXX XXXX ran my credit without my permission on XXXX/XXXX/17 after I called to inquire about a mortgage program Bank of America has. I filed a complaint with the CFPB to request Bank of America have it removed after they would n't help me when I tried calling them. Bank of America said they would remove it. I was sent an inquiry-removal form with the wrong inquiry date, despite emailing a form to XXXX XXXX with the correct date ( I have attached a copy I sent to XXXX XXXX to this complaint with my ssn and phone number blocked out for security ). The date should be XXXX/XXXX/17, but Bank of America has it listed as XXXX/XXXX/17. The credit bureaus wo n't remove it with the incorrect date. I have tried contacting the Bank of America employees involved, including XXXX XXXX, who is supposed to be my contact my person on this, on multiple occasions regarding this, but have yet been given any kind of response as to whether they will fix their latest mistake, but have yet to receive any kind of response.
Product: Checking or savings account

I open a checking account in Well Fargo bank online on XXXX XXXX, and it claimed that new customers open an eligible checking account with qualifying electronic deposits can got {$320.00} bonus, so I opened a new checking account, and I have fulfilled its requirement, but the bonus have not deposited into my account after 90 days, when I call the bank 's hotline, they said I was ineligible for the bonus, but when I open the account it said my newly-open account was eligible for the bonus.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the unauthorized accounts and inquiries listed below from my credit report. My personal information was compromised in a data breach, and these entries were fraudulently created using my identity. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these accounts and inquiries be blocked and permanently removed from my credit file. 
Unauthorized Accounts XXXX. XXXX  o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$980.00} XXXX. XXXX  o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$7500.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$86000.00} XXXX. XXXX XXXX o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX  o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$7600.00} XXXX. XXXX o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$14000.00} XXXX. XXXX  o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$890.00} XXXX. XXXX  o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$7500.00} XXXX. XXXX o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$1600.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$7500.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$74000.00} XXXX. XXXX XXXX XXXX  o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$0.00} Unauthorized Inquiries XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I applied for Hyundai XXXX online on XXXX of XX/XX/2021 at XXXX. They took my information to per-qualify me. Although my credit score was excellent they rejected my application for no possible explanation and asked me to call Hyundai in XXXX. 
I called them and they told me they don't have this car in their storage for a long time and they are not going to have it in the near future. They didn't even tell me when they can bring this car. 
My question is that when they don not have this car, then why they still accept an online application?! And worse, why they run TWO hard inquiries?! 
They should have noticed me that this car is not available.
Product: Debt collection

Auto accident XX/XX/XXXX. I was under a letter of Protection with my attorney for all accounts associated with an not at fault auto accident. Interallad imaging got letters as well as telephone correspondence ( recorded times and dates ) but yet sold the debt to a collection company XX/XX/XXXX. 

Debt was unlawfully sold to collection company. * we didnt know this at the time Settlement offer was in XX/XX/XXXX. Called XXXX and they referred us to collection company. Collection company agreed on XX/XX/XXXX to take settlement of {$400.00}. 

Attorney Sent Check. Twice. 

Now collection company is saying balance is {$780.00}. I Have requested tape conversation on XX/XX/XXXX. Have not heard anything back. 

Collection company still has not taken the debt off my credit profile and is in violation of Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Equifax has purposefully reporting incorrect information to my consumer report. This has significantly impacted my consumer report in a negative light preventing me from receiving credit, loans, cars, & homes. 
Ive also asked both XXXX XXXX XXXX Equifax to remove my personal addresses & information from this consumer report multiple times, however, they have blatantly ignored my instructions. 

XXXX XXXX XXXX Equifax have violated 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1681 Section 602 States I have the right to privacy, & Under 15 USC 1666 ( b ) a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose. 

Each of these violations carry the risk of {$1000.00} each or more. 

I am instructing XXXX XXXX XXXX Equifax to correct the errors to my consumer report expeditiously, & to pay the fine per violation.
Product: Debt collection

I've been receiving multiple phone calls in regards to an overdue phone bill that was sent to collections from a phone line that I opened more than 3 years ago. 
I'd like to eliminate the single derogatory mark that I received from a phone bill I had when I was XXXX. The amount is for {$540.00}. I'm starting to learn about credit and would like to improve my credit score for the future.
Product: Credit reporting

I have never signed for this debt. my ss # ends in XXXX ... I believe my identity have been stolen. My ex husband may have something to do. I have my divorce decree and can fax it upon request. I have no knowledge of such debt and if I get a letter of such debt send to my current address at XXXX, XXXX, FL XXXX, I will sue this collection company because of the stress they are causing and damaging to my credit ... please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the following inquiry XXXX XXXX XXXXXX/XX/2018. Please investigate to ensure there is no fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company claims to be the student loan assistance center or some lie. They are NOT the federal government who I have my loans with, yet they make false claims about helping borrowers for a fee. I have requested not to be contacted by them but they continue to call. I tried calling back to obtain their company information, but their employee, XXXX, hung up on me when I asked for their address. They hang up when asked for information and they continue to place unwanted calls to my cellular phone. The CFPB needs to shut this criminal organization down, they are attempting to prey on people who took out student loans by making false claims and even using President Trump 's name in their false claims. They call from phone # XXXX. The phone # they want people to call them back at is XXXX.
Product: Debt collection

I am going through financial difficulties and am struggling to pay my credit card bills. Most companies put me on a financial hardship program which lowers my monthly payments & interest. 
However, barclaycard, refuses to do so and harass me repeatedly by calling me over 20 times a week, at all times of the day. I have screenshots of my call logs and I will list the dates below as well Phone numbers called from : XXXX XXXX Saturday XXXX XXXX XXXX calls Friday XXXX XXXX XXXX calls Thursday XXXX XXXX XXXX calls Wednsday XX/XX/XXXX - XXXX calls Tuesday XXXX XXXX XXXX calls Monday XX/XX/XXXX - XXXX calls XXXX XXXX XXXX calls
Product: Mortgage

XX/XX/2019 CONSUMER FINANCIAL PROTECTION BUREAU UNITED STATES GOVERNMENT AGGRESSIVE MORTGAGE TACTICS DEAR SIR ( S ) MRS , MISS, I HAVE TRIED WITH TWO DIFFERENT ENTITIES TO TRY TO BRING MY HOME MORTGAGE TO A STANDARD LEVEL THAT I CAN AFFORD TO PAY. FIRST TIME FAY SERVICING LLC, XXXX, ILLINOIS SAID THEY WOULD WITH ME ON A MODIFICATION BUT THAT ENDED IN A REPAYMENT PLAN INSTEAD. FAY SERVICING LLC REQUIRE OF ME TO PAY FOR TWELVE MONTHS A SUM OF XXXX PER MONTH. THEN THEY WOULD CONSIDER A MODIFICATION. 
XXXX XXXX  LAW FIRM THAT I AM USING WENT BACK TO FAY SERVICING LLC AND THIS TIME FAY SERVICING SUGGESTED ANOTHER REPAYMENT PLAN. IN IT FAY SERVICING SUGGESTED THAT I BEGIN PAYING XXXX PER MONTH. FAY SERVICING LLC NEVER GAVE ME A MODIFICATION!!! BEFORE THE REPAYMENT PLANS I HAD TO PAY XXXX PER MONTH. HOW CAN THEY POSSIBLY THINK ABOUT FORECLOSURE????! HOW CAN XXXX XXXX LAW FIRM THAT I PAY TO HELP ME ALLOW ME TO BE SO AGGRESSIVELY DEALT WITH????! THANK YOU, BEST REGARDS, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a lawsuit against cash app due to inadequate customer service and unfair practices which violate the CFPA Cash app did not address the fraud activity these actions have caused a significant loss on my end
Product: Debt collection

This was a debt to  XXXX  for {$45.00}. The debt was paid and never should have been reported to the credit bureaus by collection agency!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised, it has been over a year that i have tried to work with both credit bureaus Experian and XXXX and XXXX XXXX XXXX XXXX to have an account that is reporting false and inaccurate information removed. I have called and wrote letters to all 3 companies and to date, like i said it has been over a year and the wrong information remain on both me and my wife credit. <P/>I am not sure who is at fault, the bureaus or the credit union, but XXXX XXXX XXXX XXXX # XXXX is reporting on my credit as a REPOSSESSION when i still have the car and have been driving it pretty much every day, making my payments on time without any slow pays or missed payments!!!! <P/>At this point, i have met with an attorney and will move forward with a steep law suit because this discrepancy has prevented me from securing a home loan for my family and I. My beautiful daughters should not have to suffer because of an error that has been caused by the bureaus or the credit union. I am requesting the account be removed or the payment history be corrected by XXXX XXXX, 2017!!!
<P/>I have awaited a year!!!
Product: Debt collection

I had a service contract with XXXX, XXXX that was fulfilled. They actually did not provide a service for the last 12 months of the contract but I still paid them and fulfilled my end of the contract. After that, I cancelled the service and stopped paying. 
Today I received a call from a collection company stating that I owe over {$400.00} to XXXX. I called XXXX directly to verify and they said that they see that I fulfilled the term of the contract but because they did not receive a written notice to cancel that I was still being charged monthly. I never received a notice of default or that I owed them a debt. They have the correct email address on file and they did not ask for a forwarding mailing address, as they knew I was no longer at the previous service address. 
I believe they have violated multiple laws/regulations : They did not inform me of a debt owed. 
They did not inform me of a debt being sent to a collection agency. 
They did not cancel my contract after I requested it and I was outside of the contract term. 
They charged for a service that was not provided. 
I have requested a copy of a signed contract and they have so far not sent me a copy. 
I have tried to in good faith resolve this with XXXX, XXXX and they are telling me that they can not help me so I feel my only other option is to pursue remedy through a Consumer Protection agency. When I told them that I was going to pursue recourse through the CFPB and/or FTC, the rep laughed at me.
Product: Money transfer, virtual currency, or money service

The money suppost to be delivery 3 to 5 business day and now ist over 10 business days and has not been delivery yet and the bank dose not giving me an answer they said that dont know where the money is?? An amount of {$5000.00} us dollars
Product: Debt collection

I received a letter from Oxford Law , LLC, which claims to represent XXXX XXXX , XXXX on XXXX/XXXX/15. 

The letter says that there an account # XXXX was open under my name ( XXXX XXXX ) with XXXX XXXX XXXX, and there is currently unpaid balance of {$3900.00} associated with the account. It also says that the debt was sold to XXXX XXXX , XXXX, which is trying to collect the unpaid balance through Oxford Law , LLC. 

On the other hand, I do not recognize the account # at all. I pulled a credit report from XXXX because of the letter. The aforementioned account was not listed in my credit report. None of the accounts listed in my credit report has ever had a single late payment history.
Product: Credit reporting or other personal consumer reports

That XXXX of XXXX XXXX people identity was stolen, including minds. I would like to use the data breach law.
Product: Debt collection

This is a case of Identity theft and fraud. I have provided exhibits A thru C in addition to other documents that I still request a response to. The alleged Bank of America itemizes billing statement say XX/XX/XXXX filed. I never had a loan with anyone in XXXX. The second alleged Bank of America billing statement states XXXX. Again I never had a mortgage loan with anyone in XXXX. The Mortgage was alleged to be XX/XX/XXXX. A true itemize billing statement does not change the dates back and forth. Exhibit A is the deed of the home and the first mortgage loan I ever had dated XX/XX/XXXX Warranty Deed. Not XXXX or XXXX. Then I received a release of Mortgage XX/XX/XXXX. Which was the same loan received in XX/XX/XXXX. As well as a congratulations letter stating the loan was paid off by the first senior lien holder. There was a subordinate agreement between the other lenders. If the home was foreclosed on by an alleged junior lender the first mortgage would need to be paid off first. However the home did not sale prior to the release of mortgage. A borrower does not receive a release of mortgage following a foreclosure. Exhibit C show the loan trail activity from XX/XX/XXXX all the way to the release recorded in the county deed records on XX/XX/XXXX. It also shows that there is no record of Bank of America as a servicer recorded in the deed records at all. Nor was there a recorded Assignment showing Bank of America as a loan servicer on any account in the recorder of deeds. With the information i provided clearly shows me a true owner of the home. Bank of America is not the owner of the home. I would like to let my evidence do the talking. Requesting a response to my complaint.
Product: Credit card or prepaid card

This about an AMEX business card. One of my employees was given a card for business purchases in XX/XX/XXXX. I discovered she was using this card for personal items and misrepresented herself. I closed the account in XX/XX/XXXX when I discovered the misuse. I reported this to AMEX and they closed her card and investigated {$21000.00} in fraudulent charges that were used for her personal use. They credited my account but in XX/XX/XXXX they recharged my account stating that since, it was a business account and I gave her a card, they were not responsible. Subsequently I submitted the information to the District Attorney and they prosecuted her and she is now in XXXX  due to XXXX XXXX  and XXXX XXXX. I told AMEX that the legal system takes time and paid down some of the debt but wanted to freeze any other payments. AMEX did not care and they sent the debt to collection. XX/XX/XXXX I re-opened the fraud case with AMEX and they requested information from the district attorney which she gave to them ( this includes a letter from the perpetrator admitting her guilt ). They said they would let me know in 30 days and I still have not heard any information from them as of XX/XX/XXXX. They offer no protection to me despite the government and legal system corroborating the criminal misuse of my credit card with AMEX.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( 4 ) that your Company never provided an adequate notice which Cleary & conspicuously mentions the pertinent facts of this transaction. Your Company didnt even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer generated agreement. According to 15 USC 1602 ( K ), the term adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood it meaning. Such notice may be give to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. Since adequate notice was not given as per the above-mentioned sector, I couldn't understand is meaning which is a violation under 15 USC 1602 ( k ). Further, pursuant to 15 USC 1601 ( 2 ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ). According to 15 USC 1802 ( p ), The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit. I hereby request you to do the below mentioned things : DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT XXXX XXXX XXXX ( XXXX )XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you accept my request i will not escalate this matter to federal Court. incase you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages. Thank you for your attention to this matter. 
Sincerely, : XXXX : XXXX All Rights Reserved Without Prejudice
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus have failed to send dispute results and is reporting the following items inaccurately ( see below ). This violates the FCRA.

ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for approximately 3 years to get information on my credit report fixed regarding my federal student loans payment status. My loans were in XXXX in 2019 with a payment of {$0.00}. I then applied for the XXXX XXXX XXXX XXXX and my payments again were set to {$0.00} dollars. Due to my profession I am also in the XXXX XXXX XXXX XXXX which allows me to make XXXX payments even if those payments amount to {$0.00} then the loans are fully forgiven. During the time of the transition into the different loan status the loan showed a missed payment on each of the XXXX student loans. I have explained this to XXXX, Transunion and XXXX. I have provided them with letters showing I never missed a payment because none was due. I have requested them to do a full investigation and not just call the XXXX XXXX, which would include documentation. XXXX of this has been done. How can I be 90 days past due when no payment was ever due. Represetatives for XXXX XXXX are often uneducated to what has transpired. This has ruined job opportunities and made it difficult for me in many other aspects.