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

I got into an altercation with my room mate and I move out. And accident left my expired personal information in a drawer and did not take it with me. And my room mate or some one at that address has been trying to order all kinds of things online and now I have a bunch on inquiries for accounts which I do not have if you look at the inquiries there all online actions no in person applications I also filed an FTC affidavit
Product: Credit card or prepaid card

I made a payment to XXXX XXXX. XXXX  creditor, upon the completion of the payment I was not informed, that my limit was decreased, and the payment I made was set to arrive even though the week upon it being cleared. I called to check rather my payment was processed XX/XX/XXXX, and the associate told me it woukd clear the XXXX. I called theXX/XX/XXXX and they told me the credit limit was decreased and there was a problem with the payment. XXXX XXXX took the money out of my accout for the payment even though they were given a payment, but didn't inform the account holder of the update about the status of the account being payed-off, nor if the payment cleared. The payment was processed, I do not have the money in my account, the limit was decreased and I wasn't informed, and the payment was set to arrive even though I was not informed of the account status upon the completion of the payment cycle.
Product: Debt collection

I received multiple calls in one day, and per the caller, I was being sent to a collection from an unknown medical visit, to which I have heard nothing about from 4 years ago. I said the debt is NOT mine and that they were harassing me by calling me multiple times. the man speaking to me threatened me and told me I was wrong. I informed them that I am protected by law for surprise billing and to contact my congressman, the man did not know what a congressman was. I questioned his authority and that he was even a legitimate citizen of this country. he belittled me by saying that President Trump, who passed this law along with my congressman, was not to be called President. I told the man I was not going to argue with him about this and that if he called me anymore and did not let this go, I will file harassment against him. I then got a letter saying it is in collection and this company is Ability recovery services, in XXXX XXXX for {$340.00} I also would like to add that if this was a real bill that belonged to me, why did it take 4 years to be brought to my attention? 

Also, it says the company claiming I owe them from something 4 years ago, I have never done any business with.Why would I try to work something out with either of these companies when I don't even believe that this is my debt? I have Identity Theft affidavits on file both with my state and through the Federal level. How do I know if someone tried to falsely use my identity. Is this even a legitimate medical bill? Explain to me how Cascade Capital Funding is associated with a medical bill? I have never heard of such a place. I asked Ability Recovery to give me an itemized bill for this claim and they did not provide it to me. Who would pay a bill that sounds like some sort of extortion mafia who can not even prove that a bill belongs to me or what it is for. This reeks of FRAUD!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, MIDLAND CREDIT MANAGEMENT is a company I never heard of until obtaining a copy of my credit report. This company has has not only violated my right to privacy but has also placed a fraudulent item on my credit report in efforts to prevent me from acquiring credit/resources to support my family. 

15 USC 1681 section 602 A states that I have the right to privacy.

15 USC 1681 section 604 A ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions which I would never give an okay to do so that I've never heard of.

Are they claiming to be the Original Creditor and can state under oath that I signed a contract with this company and if not how and why do they feel they have the authority to legally collect on an account they never originally owned.
Product: Bank account or service

I have been with Bank of America for 27 years. Now the bank and the unfair fees continue to take my money and put my balances in the red. They take my money and I have to replace the money in order to pay my bills or else I will be charged an overdraft fee of {$35.00} after the bank took my money. I am charged overdraft protection fees of {$81.00} on XX/XX/XXXX and again {$81.00} from another account. Teller witdrawal fee of {$10.00} on XX/XX/XXXX and non teller fees of {$10.00} and then a maintenance feeof {$12.00} and another non teller fee of {$5.00} the bank is taking my money and putting me in the red so I have to replace the money they put into their pockets. There 's no reason or consistancy. I am on a fixed income I do n't have the extra money to replace.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$7300.00} XXXX XXXXXXXX Balance : {$4800.00} XXXX XXXX Balance : {$4900.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$6000.00} XXXX XXXX Balance : {$8000.00XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$7300.00} XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXX
Product: Mortgage

XXXX sold my loan to NationStar. At the time neither bank wanted to accept my monthly payment. Each was saying it went to the other.
Product: Credit card

This company is reporting the wrong dates on the account, The original debt was for another company who sold it to Midland Credit Management. They are reporting the Date as XX/XX/XXXX. They are reporting also that they are the original creditor. The original creditor was XXXX and these accounts and was charged off in XXXX. Midland Credit Management is reporting these, 1 for {$3600.00} and 1 for {$3500.00}. They are not the original creditor.
Product: Credit reporting

Credit Karma has put a wrong information on XXXX credit report time after time and there are not pay attention to my despite
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Dear XXXX, Experian, XXXX I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

I am a housing counselor. I have helped a client obtain a HAMP modification on their Ocwen loan. It is not a GSA. Mortgage payment is great. But in reading over the permanent loan modification agreement, I noticed a discrepancy as referred to the Principal Balance Deferment. The homeowner owes around $ XXXX on the home, approximately $ XXXX will be the Principal Balance Deferment and remaining balance of over $ XXXX will have interest of 3.25 %. In the Balloon Disclosure, the principal balance deferment was over $ XXXX. When I asked for an explanation, I was told by a supervisor that the additional $ XXXX was interest that Ocwen would have gotten over 40 years on the principal balance of $ XXXX at 3.25 % which they will not collect because the modification has a maturity of 20 years. No where in the loan agreement was it ever mentioned how they came up with this figure. In fact they refer to the figure as " Deferred Principal Balance Due on Maturity '' and show the amount starting and finishing at over $ XXXX. In the loan agreement they also refer to the {$23000.00} as the " New Principal Balance '' which shall be deferred ( Deferred Principal Balance ). In asking why there is not explanation, I was told that they use " generic '' papers and do not have any place to explain what they are doing. In getting this explanation, I had already escalated the call to a supervisor. After the explanation, I submitted something by fax to the " Research Department '' since I wanted something in writing.
Product: Credit card

Good Afternoon, I hope this message finds you well. I have been tirelessly contacting Macy 's since XXXX  to remove two fraudulent accounts from my credit report. Despite my efforts, these accounts remain on my report, causing significant distress and hindering my ability to secure housing or obtain other credit cards. 

The accounts in question were not created by me but are the result of credit fraud from XXXX XXXX and Macy 's. I possess a letter from XXXX XXXX confirming that I was a victim of credit fraud. It has now been over 7 years, and these accounts are still impacting my financial stability. 

As a struggling XXXX XXXX trying to support my family and pay my bills, this situation has become unbearable. I kindly request that both accounts be promptly removed from my credit report, as they were created fraudulently. This reporting is false and inaccurate, and I am suffering the consequences unfairly. I would like these accounts to be deleted off my account. 

I would like to draw your attention to Title VI of the Consumer Credit Protection Act, which protects information collected by consumer reporting agencies such as credit bureaus. This law specifies that information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies are legally obligated to investigate disputed information. 

Additionally, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken based on such reports. The Fair and Accurate Credit Transactions Act, which added provisions to protect record accuracy and combat identity theft, further reinforces these protections. 

I appreciate your immediate attention to this matter and look forward to a swift resolution. Thank you for your understanding.
Product: Credit card or prepaid card

I have always made timely payments on this account and it is causing me great XXXX to see an inaccurate late payment on my account. I never miss paying this account and it is unacceptable to see this mistake. Please update my account as soon as possible and remove the inaccurate late payment so that I can rest easy.
Product: Consumer Loan

I turned in my leased vehicle, XX/XX/XXXX BMW XXXX XXXX, and was released from the associated lease on XX/XX/XXXX. Despite only having the leased vehicle for 107 days during the calendar year of XX/XX/XXXX and properly closing out the lease, BMW Financial Services sent me a bill for for a full year of property taxes on the vehicle plus extra charges equating to {$1500.00}. I informed BMW Financial Services that I was willing to pay the property tax for the 107 days I leased the vehicle which equated to {$410.00} ; however, BMW Financial Services stated I was responsible for the full amount they paid on my behalf.
Product: Credit card

American Express offered a credit agreement of extension of credit that I apply for on XX/XX/year> and identified a billing error within the account that I would like to be resolved. I sent several affidavits and never received no response
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020, my auto loan payment was reported 30 days past due. I have reached out to Bridgecrest in regards to resolving this matter being that I was inadvertently affected by the COVID-19 pandemic before we all knew what it all entailed. My payments have never been late before or after this month and they refuse to make this exception or notate my account, or offer any form of relief in this matter. I filed a dispute with XXXX on XX/XX/2020.
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. 


Account Name : 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 has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 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 or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I requested debt validation and verification of a collection reporting on my credit report in the amount of {$1000.00} from XXXX XXXX XXXX. A proper investigation was not rendered by Experian and I did not receive proof of assignment, verification, or contract that grants legal authority to collect on this debt. The recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian highlights systemic issues with sham investigations, underscoring the importance of compliance with federal law. Per the FCRA, Experian must verify disputed information with evidence such as original creditor contracts or delete the inaccurate entries.
Product: Prepaid card

I have a prepaid visa card issued through a business partner based on your sales activities. You redeem points and they add money to your card. This is a visa card with an expiration date of XXXX and above it says in bold " Funds Do Not Expire '. I would check the balance of the card and specifically after a reload and my last known balance was {$4500.00}. I mark changes on the card. I contacted XXXX to request a replacement card and because I could not log in to my account. They advised they have no information, the data is no longer there, and my funds are gone as per some agreement. I am not sure why an agreement would differ from what is written on the card. The end result was they would not help me. I contacted the issuing partner and they have moved to a different platform and are no longer offering assistance with these cards. I believe because they are not problem free. I saved the card to use for large purchases and oddly any time I went to use the card it was declined, they said they were worried about fraud, and that it would be frozen for XXXX hours. You can imagine most retailers are not waiting XXXX hours for payment. I again decide today to use the card as I have a large purchase looming and realized it was expired. I have received replacement cards before and did not realize that this time would be an issue. I am hoping you can assist as {$4500.00} is a significant amount of money, and I was taxed not he earning to boot.
Product: Debt collection

Under the doctrine Estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX I XXXX presume that no proof of the alleged debt, nor therefore any debt, in face exists. I have contacted credence resource management on a matter that pertains to my credit. I have been a victim of fraud. I sent credence resource management a certified letter via XXXX to validate this account asking to send original documents and a host of other things. I have not received any of the documents I requested. I have an account on my credit that does not belong to me. I asked credence resource management to remove the unvalidated information and nothing was done. I have the receipt that I sent the letter via XXXX certified. Removing this account from all three credit bureaus ( XXXX, XXXX XXXXXXXX ) is what needs to take place there is no validation. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay credence resource management and the collection agencies could not provide that information. You purchased this debt from the original creditor. I am very aware how this process goes. You have no legal right in this matter. Send me the documents that I signed stating I owe credence resource management. You can not because this is not my debt nor do I owe credit resource management anything. I want this information removed IMMEDIATELY! DO NOT SEND COPIES! I NEED ORGINALS WITH MY SIGNATURE FROM CREDENCE RESOURCE MANAGEMENT NOT WHOMEVER YOU BOUGHT THIS DEBT FROM THAT DOES NOT BELONG TO ME!
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid off/settled in XXXX of XXXX They are incorrectly reporting it as a charged off account purchased by another lender Account name XXXX XXXX Account number XXXX XXXX. 
Recent balance {$0.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX XXXX. {$440.00} written off. 
XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX Address identification number XXXX Sold to XXXX XXXX XXXX  Type Credit card Terms XXXX  Credit limit or original amount {$300.00} High balance XXXX XXXX  Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Purchased by another lender. 
Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 
Account history XXXX *THIS WAS NOT PURCHASED BY ANOTHER LENDER AND THIS WAS NOT WRITTEN OFF. THIS DEBT IS PAID/SETTLED!
Product: Payday loan, title loan, or personal loan

I've contacted these people seven different times concerning my money thats due to me totalling {$280.00} since XXXX XXXX, XXXX  and all I've recieved is one excuse after another. I don't owe them anything and they're paid in full! 

My last call was on XX/XX/XXXX with XXXX only to recieve more excuses and that she doesn't know why Bread XXXX hasn't returned me back my money when they were over paid. This is a on going problem with this company. I make my payments on time or before time never being late and want allow anyone to tallkes whats mines!!!!!! 

Bread XXXX wants their money on time or your charged a later fee. 
I want mines also with interest and will be asking the court just for that, if this matter isn't resolved! 
These people think they can talk to you any kind of way and when you give them back what they give you. They play crazy with a lies. 



This is fraud and my next step will be small claims court.
Product: Bank account or service

I have small business accounts with XXXX. I received a letter dated XXXX XXXX, 2016 from the bank informing me that the XXXX accounts relating to my company will be closed effective XXXX XXXX, 2016. I have not been given any reason for closing these accounts. I contacted the branch and the number give on the letter to find out the reason why they had closed the account - all they said was that it was a " business '' decision and that there is a clause in the account opening agreement that give them the right to close the account unilaterally. This has caused immense business and personal stress to me as I am undergoing XXXX XXXX later this week and am just not in a position to do what is needed to open new accounts and to move the alignment of payment processing companies to the new account. Furthermore, I feel it 's gross unprofessional of these big banks to bully small businesses by taking unilateral actions without giving any reason for their action, as they have with me. My business and bank account management is 100 % compliant on all US and International regulations, and I would request CFPB to direct XXXX to allow me to continue to operate these accounts.
Product: Credit card

I went into Kay Jewelers at XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NY XXXX to view engagement rings. The sales person offered to run a credit check to see if I could qualify for financing and I agreed. I purchased a few gifts from Key Jewelers on my own credit card. A few days later, I received a Kay Jewelers credit card in the mail. I never agreed to starting a credit card, and told the customer service rep. when I called to cancel the card.