23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

midland credit management is harassing me I have received multiple calls from different numbers and they even falsified statements to make a fake sue claim against me and today they had some random guy come and bang on my door early in the morning screaming and yelling trying to serve me with papers this harassment is getting ridiculous and I have responded to the suit and everything yet they continue to call send emails and as well as regular mail
Product: Debt collection

I was sued in XXXX court for a debt XXXX XX/XX/XXXX. The original debt was from XX/XX/XXXX. I appeared, the judge ruled against me, and they attempted to garnish my wages. I have filed an exemption which has prohibited them from successfully garnishing these wages every year every pay period since. They have renewed this debt yearly, in court, without my knowledge or notification of each new hearing. So I have never been present since the initial XX/XX/XXXX hearing. The debt now exceeds XXXX! They have frozen my joint account, and again I was not notified of this intent. I have learned there is a 10 year SOL in West Virginia on collection of a debt like this which would have expired XX/XX/XXXX. 2 years ago! How can the court have judged against me? How can Martin & Seibert in XXXX WV continue these shady collection practices, and through the court???
Product: Credit reporting, credit repair services, or other personal consumer reports

A man came to my door to ask if I wanted to have solar panels on my house for free. He said no cost to me. He took some information from me and the next thing I know. Im getting an email signed by me that they can check my credit bye never asked to check my credit, never gave paperwork for me to review, I never signed anything. The agent did this all without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a mortgage on my home  in good standing with on time payments for seven years. The company handling my mortgage, Ocwen is not reporting to any of the credit bureaus. I have contacted them on at least five separate occasions about this issue. Their canned response is that they are reporting to all three bureaus and that I should contact the bureaus individually to find out why my mortgage does n't appear on my credit report. I have done this, and all three credit bureau 's insist that ocwen is NOT reporting the loan. It seems fairly obvious that ALL the major credit bureaus are not conspiring together to deny the reporting of this loan. The only logical explanation is that Ocwen is n ot properly reporting it. I have attached my latest credit report pull, and as you can see, to mortgage account is listed. My loan numbers are  XXXX  and  XXXX
Product: Debt collection

Its said that Im owed on an account that I was incarcerated for. I proof of documents the account is obviously the results of fraudulent activity Im a victim of a fraud account date was XX/XX/XXXX. In the amount of XXXX. Im going to need this account removed because its not mine documents include my jail dates and sentencing date XXXX and my release date is XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes to each one of the credit bureaus : XXXX, Equifax, and XXXX. They have yet to respond or provide me with any results!! I have been sending letters since XXXX of 2020 and haven't received a single letter or notice. I do understand that there is a pandemic going on but they are still lawfully supposed to respond to me. They are reporting errors on my credit file and need to respond immediately.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I contacted Cash App support regarding canceled payments that were subsequently charged to my account. A customer service advocate named XXXX canceled the payments, as per Cash App 's policy to prevent fraudulent transactions. However, a few hours later, a significant amount of money was withdrawn from my account, resulting in a negative balance of {$580.00}. Despite requesting information from Cash App regarding the canceled payments, including transaction records, clarification on the reason for cancellation and subsequent charge, evidence of associated fees, and confirmation of actions taken to resolve the issue, the company did not provide any assistance or explanation. 

Cash App advocates have blatantly ignored my concerns, hung up the phone on me, and attempted to pressure me into opening a dispute, despite my discomfort with the process. When I refused to open a dispute, the company refused to further engage in conversation or address my concerns, leaving me feeling disregarded and frustrated. This lack of responsiveness and refusal to address the issue has further eroded my trust in Cash App 's customer service and commitment to resolving customer issues effectively.
Product: Debt collection

I dispute this and it was remove from my credit report but however it came back on my credit report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 1681a, which defines the obligations of credit reporting agencies to ensure the accuracy and integrity of the information they report. I disputed inaccurate information on my credit report account ( # XXXX ), but XXXX failed to follow up or correct the errors. 

XXXX actions also violate Section 1681i, which requires credit reporting agencies to conduct a reasonable investigation when a consumer disputes information. The CFPBs recent lawsuit against XXXX, alleging the acceptance of unreliable information and failure to notify consumers of dispute results, mirrors my experience. This failure has negatively impacted my credit and ability to obtain financial products. 

XX/XX/XXXX negligence in this matter violates my consumer rights under the FCRA, and I request the CFPB investigate and take corrective action.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX  XXXX reported that I was 60 days late on my mortgage account. 

XXXX recently bought my Mortgage ( transfer was XX/XX/XXXX  ) They incorrectly reported that I am 60 days late. This dropped my credit score over XXXX points. 

I have made 3 payments since the transfer of my loan. 

Both their phone system and online portals say my account is current. 

I have called the only customer service number I can find and there is absolutely no option to speak with a live person/representative. 

I have emailed them but have not received a response. 

I have filed a dispute with Experian on XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally demand the immediate deletion of any derogatory information on my credit report that has not been fully verified as true, correct, complete, and compliant with all applicable reporting laws, including the FCRA, XXXX, FDCPA, and XXXX XXXX COMPLIANCE STANDARDS. 
It is illegal to retain or report misleading or unsubstantiated information. Therefore, I demand the deletion of the following illegally reported allegations :
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my FICO score went down from XXXX  to XXXX. I immediately log in to the 3 Credit Bureaus website to check what happened on my credit score ; I ended up submitting online disputes. I wasn't able to provide and attach any file supporting my claim because I don't have any documents at that time. There was no phone call, email, nor a final statement of account about this collection claim of {$86.00} that was reported by XXXX XXXX XXXX. The credit bureaus investigation results say that the claim is valid but didn't provide any reason. I decided to call XXXX XXXX  the credit collection agency in Texas that reported this claim to the credit bureaus. I asked what was the {$86.00} collection claim on my credit report that they also failed to notify me ; there's was no statement of account for me to verify. In the end, they ask for a dispute letter for them to investigate on this case. On XX/XX/XXXX I sent a dispute letter to XXXX XXXX On XX/XX/XXXX, I received a collection bill from XXXX XXXX XXXX The very first bill I got regarding this claim, but then again, I don't know the details of how I ended up having a credit of {$86.00}. OnXX/XX/XXXX I sent the dispute letter they asked to dispute the validity of the debt that they are claiming. In reply to my dispute letter, on XX/XX/XXXXXXXX  sent me a copy of all the documents they have on my account. For the first time, I finally see the final account statement billed by XXXX XXXX XXXX I can finally explain myself and again dispute those charges, those charges on my account are not valid. On XX/XX/XXXX, I sent another dispute letter to XXXX XXXX XXXX to explain what really happened and that their claim is not valid. I asked them to remove the collection claim that they reported to the credit bureaus. With all these steps of explaining and sending the dispute letters nothing solved my problem. I still have a collection report on my credit history and my credit score is still low. As my last resolve, I am filling this complaint and I will attach copies of those disputes letters and other supporting documents.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 Had a job opportunity for XXXX XXXX, I had applied through XXXX which they contacted me apparently from a fake job from XXXX. They said I was hired after 20 minute interview. We went over the material needed and they emailed me the check that would be mailed back to me after sending in my payment. And thats were I got scammed out of {$2000.00}. After that they was another {$500.00} with a gift card. Which I didnt do but did XXXX wire money through my Chase back. Which said XXXX doesnt have any protection against scams or fraud. Chase said all they can mail be a paper of the XXXX policy.
Product: Credit card or prepaid card

Bank of America. I applied for a bank of america card online. I have excellent credit and was denied after they pulled a hard copy of my credit report. I then contacted an individual that obtained further info from me. He agreed that my credit is excellent but he then stated that the denial stands because I have no bank of america accounts and the amount of credit extended to me in the past 18 months. I told him that other banks and companies did not have a problem ( XXXX  XXXX etc ). He then said that I should file in the future with bank of america, I replied I will not be recommending bank of america to anyone.
Product: Mortgage

Suntrust - XXXX XXXX : timelineIssue with payment amount and balance due on XXXX XXXX from Suntrust Mortgage:XX/XX/XXXX - purchased property in XXXX XXXX, CA XXXX with XXXX XXXX and XXXX XXXX loans from Suntrust Mortgage. 
XXXX XXXX was in the amount of {$53000.00}. Payments were XXXX a month. 
When I requested modification for XXXX, I of course requested assistance for the XXXX as well. I received no help or correspondence regarding the XXXX until XXXX when the modification on the XXXX XXXX was finally final after 4 years in process. Payments on XXXX were in full from XXXX - total {$4800.00} in paymentsNo payments were made from XXXX - XXXX - balance XXXX dueThe balance due according to the XXXX ( XXXX and only set for XXXX XXXX XXXX loan modification documents is now : {$64000.00}. 
How can that be? What happened to all the payments I did make? 
I have been making the payments of {$230.00} since XXXX and they are current, but it is a hardship and the house value is underwater and the loan amount is not right or fair for the amount borrowed and missed during a XXXX year modification process on the XXXX
Product: Credit card or prepaid card

I reported a {$600.00} charge originally placed on my card XX/XX/XXXX as fraudulent back in XXXX. Chase Card Services removed the charge, cancelled my card, and issued me a new one. Later, they re-posted the {$600.00} to my account saying it was not fraudulent because there was a tracking number associated with the charge. I looked up the tracking number they gave me and realized it was an unsolicited piece of certified mail which I had received and signed for because I was curious what someone had paid to send to me. It was a normal piece of printer paper with a black and white picture of a tiger ( I took a picture of it but recycled it because it didn't seem important ). The certified mail had a return address in XXXX and said " XXXX  XXXX, XXXX '' but the tracking number indicated it was sent from XXXX, Arizona. I XXXX the XXXX address and it was an apartment building. XXXX XXXX XXXX does not appear to be a real company. The charge was through XXXX to someone named XXXX. XXXX doesn't have contact information for this person. Chase gave me an email address of XXXX. This does not appear to be a real person. USPS doesn't have sender information. I appealed the appeal to Chase and they continue to hold me liable for the charge.
Product: Credit card

I requested a letter on company letter head confirming the authorized users on my chase card. I was advised that it would take 10-14 business days for this letter which is ridiculous. The need for this letter is important and I am in need of it sooner than the timeframe provided. I have contacted 3 other companies who were able to send the letter via email. When i asked for a faster turn around time they advised it can be sent by fax. i asked if they can send the letter to my secure message with them where i get there letters and tax forms and that was not an option.

I need this letter for my attorney and I stressed this to them. with no true help i am hoping the CFPB can assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance {$170.00} XXXX XXXXXXXX Balance {$2000.00} XXXX XXXXXXXX Balance : {$7600.00} XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$170.00} XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$7600.00} XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX XX/XX/XXXX a XXXX resort mortgage loan was taken out in my name. During this time I was on a military mission in XXXX XXXX, XXXX XXXX. I contacted XXXX and let them know there was no way I started this loan due to the fact I was on military mission out of the country. They stated they had a copy of a signed contract and they talk to me on the phone on XXXX XX/XX/XXXX and I asked them to send a copy of the contract to my grandmother and she would send it to me. the signature on the contract was not mine. The address on the contract was incorrect and there was no way for them to get in contact with me because I only had XXXX in XXXX. I explained all this information to XXXX on XXXX XX/XX/XXXX, and I have not received a response yet. I have put a fraud alert on my credit account and attempted to file a police report locally. 

On another XXXX account, the company is showing my ex-husband paid for the account off on his credit but its showing I owe on mine. I called the XXXX to resolve this issue and the representative XXXX XXXX stated there was Nothing he could do, and I needed to pay XXXX to do a deed in XXXX of Foreclosure If I want to close the account. 

I also completed disputes for both accounts with Experian on XXXX XX/XX/XXXX and on XXXX XXXX Experian closed the dispute claiming the account was Verified by the debt company.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following collection account on my credit report is fraudulent : COMMERCIAL ACCEPTANCE COMPANY # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX I have previously contacted the credit bureaus of this inaccuracy and have not gotten a resolution. I am not liable for any debt to COMMERCIAL ACCEPTANCE COMPANY, XXXX XXXX, or any factoring company. COMMERCIAL ACCEPTANCE COMPANY has not provided any validation for this debt and cease activities as required by the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. This collection account needs to be deleted from my credit report.
Product: Vehicle loan or lease

Greetings, On XX/XX/XXXX, I made a payment of {$570.00} to Hyundai Finance for my XXXX XXXX XXXX. On XX/XX/XXXX, I leased a new XXXX with XXXX Hyundai. They informed then that I shouldn't have made the last payment, and that my lease had been paid off via the new lease agreement. They said that It would take a month or so before I'd see a refund, and to contact Hyundai Finance if it didn't show up in a reasonable amount of time. 

After not receiving any refund checks in the mail, I finally contacted Hyundai Finance on XX/XX/XXXX. They apologized for the long delay and said that they would have the check sent to me via XXXX  in XXXX business days. It never came, so today XX/XX/XXXX, I reached out to them again, and they said that they were going to escalate and open a case, and that I was going to have to wait another XXXX days for someone from their management team to reach out to me. This is absolutely ridiculous and very unacceptable.
Product: Debt collection

Request for Debt Validation of Collections Account - XXXX XXXX XXXXXXXX XXXX  I am writing to formally request validation of a debt that appears on my credit report. The account in question is listed as and is attributed to XXXX XXXX XXXX Upon reviewing my credit report, I discovered the aforementioned account listed as a collections item. As a responsible consumer, I am committed to addressing my financial obligations promptly. However, before proceeding with any resolution, I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request validation of this debt. 

In accordance with the FDCPA, I kindly request that you provide the following information : 1. Verification that the debt is indeed mine, including the full amount owed.

2. Documentation detailing the original creditor 's name and contact information.

3. Verification of the collection agency 's authority to collect this debt.

4. A complete account history, including any fees or interest charges that have accrued.

5. Original Contract or Instrument bearing my signature I understand that Experian is a credit reporting agency and may not possess all the requested information. Therefore, I ask that you forward this request to the appropriate party responsible for validating the debt. Additionally, I request that during the validation process, any negative reporting associated with this account be suspended until validation is complete. 

Please be advised that failure to provide proper validation within the time frame mandated by law will result in my disputing the accuracy of this entry with Experian and potentially pursuing further legal actions to protect my rights. 

I appreciate your prompt attention to this matter and look forward to receiving the requested validation within the legally stipulated timeframe of 30 days.
Product: Credit card

so my Bank of America credit card often gives XXXX 
those XXXX  never work and I have never received the credit after the spend and those deals I add to my card expire. the problem is just with Bank of America credit card, other credit cards work fine. 

like this week there is a deal that if you spend {$5.00} or more at XXXX you get {$5.00} credit back. 
I followed all XXXX XXXX XXXX and still the deal never triggered. 
I called them up, they opened a case, no response, happens every time for each deal. 
I tried to make XXXX payments of {$10.00} so I am way pass the threashold my card is enrolled with XXXX, I recieved an email for the same as well. but bofa support coulnot help out. 

I attached all relevant screenshots below
Product: Checking or savings account

I had a student account with Wells Fargo in XXXX. I was charge extra overdraft fees which was eventually sent to collections
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has different balances being reported to each of the 3 credit bureaus. In addition, they also have a charged off ststus for this loan yet also report late payments every month since XX/XX/2012. I have made numerous attempts to disute this inaccuarate information as well as even offered to pay XXXX XXXX to delete it and they along with the credit bureaus refuse to help. It is scheduled to fal off my credit this year but they should remove soiner since the information being published is grossly inaccurate. An account can not be noth in a charged off status which is a loss to the company, as well as late payments. If the account is closed/charged off then late payments do not apply. If the account is open then it cant be charged off. They have been reporting this innaccurate information for over 6 years now and noone will help me to resolve this issue. In addition the balances are also inaccuarte and even differ between vcredit bureaus.
Product: Credit reporting or other personal consumer reports

I've been trying to remove the derogatory status of my XXXX account on both transunion and XXXX reports and I have a letter from XXXX stating the account was nor derogatory, but can not access the derogatory mark or upload the file through the dispute process on transunions site nor access XXXX  site for disputes as their system states it can not connect to its servers.
Product: Vehicle loan or lease

I paid my vehicle loan off on XX/XX/2022 and since have been trying to obtain my title from Credito Real. They have continually lied, telling me it is on the way. The only thing I received the lien release. I have been to the XXXX and spoke to the Manager there, who has advised that Credito Real must electronically release my title. I have tried to contact someone in their title department and all I am told is " you can send them an email, we have no way to directly contact that department. '' I have sent XXXX emails to Credito Real, as well as advised them that I am filing a formal complaint. No one has replied and I still do not have my title for my paid in full vehicle.