23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is the 2nd complaint for Lendmark Financial located at XXXX XXXX XXXX, XXXX, MD XXXX. This company call me daily and leave messages to call them or else. Now they are calling references ( family members ) telling them about this loan. My sister notified me of the phone call yesterday ( XX/X/2017 ) and she now has blocked them from contacting her as well. I pay this account every month and they still call harassing me for payment even if the account is late one day. They also ask me to make post dated payments, which I refuse to do. Every since I wrote the first complaint about their collection practices, the calls of harassment worsened with intimidation to scare me into making a payment. They call from anonymous phone numbers ( someone name XXXX called from XXXX - I have the recording ). This loan is completed and at the end of the term ( they even sent a letter stating this ), they are harrassing me for interest they tacked onto the loan, fees or extra charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Exeter Finance has ignored the fact that I am a victim of identity theft and in fact I have an attorney hired and XXXX turn this account that I did not open over to them to sue In arbitration, this account is fraudulent, I was ask to provide more information by this Exeter Finance I never done business with us to provide my social security card and other information I was informed by several investigators and two attorneys one I do hire for the identity theft issues and now I can turn this account over to this attorney, my information was used to open this account, now Im asking Exeter Finance dont give fees back I dont want to hear it but do want to let you know that as much yall have ignored my complaints and the ftc identity theft report is being documented and printed to show Juat how many times I have filed numerous complaints, heres the deal I dont live at the address yall keep sending information about some car account the person at that address was leaked and now its being used as an address to open accounts thats not my address i have never lived there and my information my license has been stolen and.used yes I had to change my information because of the identity theft and no is the question Im not sending any information through the mail I dont knowing you people and I was informed not to send anything I am a victim of identity theft and do me a favor just take this off my credit report it wont be worth my suing yall in arbitration, or court it doesnt matter to me, I got so much information to show that my social security number and drivers license number has been leaked on the XXXX XXXX  by XXXX XXXX just to let you know I won my case against XXXX XXXX I have a data breach proving my information was leaked and compromised by XXXX XXXX, either a choice here, whats it worth, I can send numerous of documents showing he identity theft from a incident with the XXXX where a scammer in another Country use my information to file and try to defraud the government out of thousands of dollars now I am a victim of identity by the us government, and I do have a police report filed by me against XXXX XXXX for identity fraud XXXX and I have ftc identity theft reports its the SAME Thing AS A POLICE REPORT and acts the same, so take my complaint and my issue seriously, I will seek arbitration and have this lawyer collect damages, now just delete the that account off my credit report and stop using my information as a result of intimidation, I will send some documents to inform and show but do not ask me for any documentation wont happen Im trying to get my life back from all the identity theft I have been through I have accounts open in my name, and Im getting fired of it now delete this account or will sue XXXX and Exeter Finance, I have all these complaints I will send notification to this lawyer about this matter thank you, now delete XXXX  or I will XXXX XXXXXXXX In arbitration.
Product: Checking or savings account

I have a long time joint acct with my brother, he passed away on XX/XX/2022. 
I called to have the acct. closed on XX/XX/XXXX and they were to forward me the balance, on XX/XX/XXXX I called again as i have not received the funds, after being on hold for 1 hour, I was told I need to fill out paperwork at their office and get a court order to become an executor. 
I don't understand this as i have been a joint owner of this accout for many years. 
Please help me get these funds. 
Bank of America balance due to me XXXX
Product: Bank account or service

I got a certificate of {$500.00} from Chase bank to open a checking account. I sat with a representative for one hour and she tried to put my accounts online when she told me she had to abort the opening of the accounts. This same process has happened XXXX times with Chase bank. I submit docs for direct pay and 3 to 4 months later they close my accounts without a legitimate reason.
Product: Credit reporting or other personal consumer reports

Inquiries : XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Also, there are XXXX negative items on my credit and those accounts should be included on my bankruptcy XXXX  XXXX XXXX on XX/XX/XXXX Respectfully,
Product: Credit reporting or other personal consumer reports

I had a dormant checking account in which someone deposited a small check a year after I had moved to a different state. 

No one from XXXX called me and i had no idea there as a check processed with insufficient funds. 
After I noticed a personal loan write off from XXXX on my credit card, I paid immediately the {$87.00} fees and requested they remove the erroneous record from the credit bureaus. 
They did not. I called and emailed several times and XXXX has illegally updated my credit profile which I did never had a personal loan with XXXX 

I opened disputes on all three credit bureaus to no avail. 

They are damaging my ability to secure auto financing, credit cards and personal loans by leaving a fraudulent and erroneous record on my credit profile. 
Please help.
Product: Debt collection

There is a XXXX dollar outstanding collection from Transworld Systems ( XXXX ) on my credit report that is not from me. The collection is from XX/XX/2017. I have not had delinquent medical bills, notified of any outstanding charge, the charge is not mine. I notified the credit bureau, but they are unable to do anything
Product: Credit card

Approximately XX/XX/XXXX, I had gone to the XXXX, Tx Lowe 's to purchase an XXXX  XXXX 's BBQ grill. The sales associate that helped me with the purchase explained the benefits of using Synchrony Bank credit for this purchase. The application was completed and I was approved. A temporary card was issued and I used it for this purchase ( Account XXXX XXXX XXXX XXXX XXXX ). Further, I had no intention of using the card, so it was put away in a drawer. 
Shortly thereafter, I received the Lowe 's statement and elected to pay it in full in the amount of $ XXXXUSD by XXXX XXXX XXXX XXXX check # XXXX. This card was not used for any additional charges. 

In the spring of XXXX, I noticed correspondence that I initially dismissed as I had not made any purchases using that line of credit. When I contacted Synchrony Bank concerning this account, they were unable to provide any information concerning the new charges. I stated that I had made no purchases beyond the initial purchase in XX/XX/XXXX and if this account was being used fraud gently, that the account be closed and NO cards were to be issued for any reason. 

XXXX XX/XX/XXXX Synchrony Bank issued a letter indicating they were examining the situation. 

XXXX XX/XX/XXXX Synchrony Bank issued a letter that I was cleared of whatever charges there were and that I had not made the purchase in question. 

In addition, a second card ( Account XXXX XXXX XXXX XXXX XXXX ) that I was not aware of was received in the spring of XXXX. And it is on this account that unknown charges were made too. I have received no documentation other than a demand for payment. 

Sychrony Bank admits that a charge of {$480.00} was made in XX/XX/XXXX and was paid in full in XX/XX/XXXX with no additional activity.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit file following a recent data breach that compromised my personal information. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my rights to have the following accounts and inquiries removed from my credit report. 
Accounts to Be Blocked and Deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} WORLD XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} Bankruptcy - XXXX - XX/XX/XXXX - {$00.00} Inquiries to Be Removed : XXXX XXXX XXXX XXXX - XX/XX/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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed last year after Hurricane Harvey that my credit had decreased by 10-15 points. Some of my accounts on my report showed " Affected by natural or declared disaster '' in the account comment. Being in an affected area did not impact my ability to pay any debts, so this should not be taken into account in my credit.
Product: Credit reporting or other personal consumer reports

I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C.1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data field reporting. The information has not been proven to be true, correct, or verified.
Product: Debt collection

On my credit report, I have two medical collections from AWA Collections. One medical collection for {$100.00}, and another for {$100.00}. 

I called AWA Collections regarding the two medical collections and was told they have no record of the {$100.00} collection. Even though it still shows up on my credit report as unpaid and belonging to AWA Collections. I spoke to a representative named XXXX. I haven't paid the debt, so I'm unsure how to proceed other than reporting it. I dispute the collection. 

Information : AWA Collections, XXXX, Opened : XXXX, XXXX : XXXX, Balance : {$100.00}, Last Actiity : COLLECTION XXXX, Decode : XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX XXXX, " UNPAID ; MEDICAL ; ORIGINAL CREDITOR BUSSINESS TYPE : MEDICAL/HEALTH ; ACCT SUBMITTED TO COLLECTION ; PAST DUE PAST {$100.00}
Product: Debt collection

I received a demand letter from Medicredit Inc., on XX/XX/2022. Medicredit Inc., are debt collectors demanding a debt on behalf of XXXX XXXX. I have not received any goods or services from Medicredit Inc., and I do not know how Medicredit Inc., received my private medical information. Medicredit Inc., does not have a permissible purpose to contact me for any reason in regards to anything. There are no contracts in place to support we have agreed to honorably conduct any type business and I have not agreed to pay/tender anything to Medicredit Inc. My HIPPA rights have been violated. 
I am not a party to any agreements that Medicredit Inc., may or may not have with XXXX XXXX. I have not agreed to pay/tender anything to Medicredit Inc. , or XXXX XXXX XXXX 
Medicredit Inc., and XXXX XXXX reply outside of the CFPBs portal, must be delivered via the postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. Please abide by all mail codes. All calls are recorded for my safety. 
Please be advised that neither Medicredit Inc., or XXXX XXXX are Holders in Due Course. Please Cease and Desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon application for automobile insurance via several carriers provided attractive, low rates based on my provided information. All raised their rates just after clicking submit yet before filling in payment method. XXXX XXXX  skyrocketed substantially, increasing nearly 100 % ; and, importantly, they cited data from a consumer report from MIB as the cause of their ADVERSE ACTION. Further, upon shopping life insurance policies, at least 2 insurers declined me ( via XXXX ) while many other only offered RATED policies rather than standard, also citing MIB.

After much trouble and research, I found MIB and was ultimately able to obtain my report. While I could submit the request electronically, they did not offer *delivery* electronically, even though I explicitly consented to- and requested such delivery. Likewise, they do not offer web-based disputes except that the entire request ( s ) may be submitted via email ( not interactive web portal ).

On review of my report, THREE OF FOUR ITEMS ( 75 % ) are in COMPLETE ERROR. These events are NOT contemporaneous, complete nor accurate. I requested immediate removal via email. A representative accepted my request and indicated theyd process removal, based on his word choice. 

In one case, the report lists SUICIDE as a condition! Obviously, this is false : Im inherently not affected by suicide based on the fact that Im writing this and thus living. This item should have been removed IMMEDIATELY upon disputing. 

However, only later was an official dispute form provided. Because I had to wait for mailing, my ability to actually dispute was delayed by over a week. Upon official submission, the Bureau stated it would take FORTY-FIVE days for any decision, against regulations. 

Further, MIB then responded that they had referred all three of my disputes to XXXX XXXX. MIB stated it was that company that, allegedly, furnish the data. This means that MIB is actively and knowingly furnishing, selling and sharing FALSE DATA, a crime in its own right. Worse, they are not CHECKING for ACCURACY, whether at time of publication nor ongoing. This is obvious because they could not produce source and had to seek third-party verification of their false data.

Worse, there is no intermediate resolution such as interim suppression of FALSE data nor ability to add a CONSUMER STATEMENT to their Consumer Report. MIB does not accept physician statements attesting to the accuracy of MIBs records ; and, as above, they do not keep records to validate data even upon original acceptance and publication.
Product: Debt collection

XXXX was id theft victim sent police report violates hippa and cra
Product: Credit reporting or other personal consumer reports

I had previously arranged for automatic payments for my account, which were scheduled to occur in the middle of each month. Specifically, the payment for the month of XXXX was set for the XXXX. However, the payment made on XX/XX/XXXX was reversed on XX/XX/XXXX. I was unaware of the situation. 

I received no notification of this reversal, whether by email, phone call, text message, or postal mail. This lack of communication resulted in an unexpected late payment penalty, the first I have ever incurred. I have a consistent history of on-time payments, and until this incident, I maintained a credit score in the range of 760-780.

The impact of this incident on my credit score was significant. I have attempted to resolve this issue and sought a goodwill adjustment from FNBO, but my request was not granted. This is especially frustrating given my history of timely payments and the fact that the reversal of the auto-payment was not flagged to my attention by any means. 

I am seeking assistance to correct this matter and would appreciate a review of the circumstances leading to the late payment penalty and the subsequent effect on my credit score.
Product: Credit reporting or other personal consumer reports

I have been disputing XXXX  in the amount of XXXX for 9 months and also wrote all three credit bureaus providing information to them that this company does not have any verifiable information. This has been an on going battle since XX/XX/year>. That have not showed me any verifiable information as requested. I am a victim on the credit bureaus not following consumer law. And I am a victim of my family not being able to compete in the world because the credit bureaus have bullied me by keeping my credit score so low that I cant get a car nor house. I need help.
Product: Checking or savings account

Hello, I was the victim of identity theft on XX/XX/2019. The thief stole {$15000.00} out of my checking account through a series of charges that were labeled " XXXX XXXX ''. I have reached out to my bank, Bank of America, and told them what happened but they refuse to reimburse me the stolen money. I have been very patient with them and with the claims service, but to no avail. They seem to think these were legit charges that I made myself, and not theft. I have explained to them many times what happened and even faxed in a written statement, making my case, but they won't listen. Any help you can offer in getting Bank of America to reimburse me the stolen money would be greatly appreciated, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been under a {$0.00} IDR repayment plan on my student loans serviced by XXXX for 3 years. XXXX has inconsistently reported my repayment history under these payment plans, which has had a negative impact on my credit scores. 

Some months XXXX will report my {$0.00} payment as on time, while in other months the {$0.00} payment goes unreported entirely. 

XXXX reports all three loans as active every month, so the total number of reported active months continues to accrue. However, when the bureaus divide the number of monthly payments XXXX reportes as on time by the total number of months reported under the loans ( which includes months where XXXX reports no payment information ) the resulting on time payment calculation is misleadingly low.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing these erroneous accounts from my Credit Report for already a long time. The last letter I sent to the Credit Bureaus was XX/XX/XXXX requesting that the Credit Bureaus provide proof of validation and update or correct the information each disputed account presents. But despite all the letters and complaints I submitted, it is clear that the XXXX XXXX have grew negligent of ignorant of my requests. I am submitting this complaint today to request another investigation and correct the payment history of the disputed accounts on my Credit report. The Credit Bureaus are required to verify the information each account reports and correct from erronoeus reporting. If the XXXX XXXX can not prove that the information they present on my Credit File is accurate, I would highly appreciate it if they remove the account completely grom my Credit file : XXXX XXXXS XXXX Balance Owed : {$1000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} Date Opened : XX/XX/XXXX
Product: Debt collection

Someone stole my car and crashed it and all my info was inside and I noticed money from my account and wallet
Product: Debt collection

Universal Account Servicing calls me multiple times every day after I explained the situation to them : that the service provider XXXX XXXX XXXX cancelled all my services without providing me with promised refund. They owe me more money than the current balance on the Universal Account Servicing account. See attached evidence : 1. I had several purchases unused in my account ( the green ones ) but on my account I have XXXX treatment left. XXXX. A screenshot of email follow up with XXXX who was on the phone with me discussing refund. XXXX our recorded conversation discussing the refund which I never got
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian sent XXXX XXXX a copy of her credit report on XX/XX/2022. I ( XXXX XXXX ) sent Experian 3 dispute letters regarding errors on my personal credit file, enclosed was proof of residence, social security card, and state ID with certified mail in XX/XX/2022, XX/XX/2022, and XX/XX/2022 informing Experian that my personal information was incorrect and that it is their responsibility to make sure my credit file is accurate according to the FCRA Section 623 ( a ) ( 1 ) ( B ). Experian is unlawfully denying my rights as a consumer by not abiding by the FCRA.

Experian 's actions are unlawful because they are violating consumer rights under the Fair Credit Reporting Act ( FCRA ), which states that : " No person may deny any right provided under this section. ''
Product: Mortgage

To whom it may concern, Due to the COVID-19, I have faced hardship with collecting from tenants and covering my mortgage. This financial hardship is mostly due to the forced closing of non-essential businesses. I have two property mortgages with BSI financial services. 

Loan # XXXX Loan # XXXX Bsi financial has been an opportunist throughout this pandemic. They have added multiple late fees and are not willing to work out any type of forbearance agreement. Although maybe times like these may not seem serious to someone in their position it has affected my way of life tremendously
Product: Payday loan, title loan, or personal loan

Tower Loan calls multiple times a day and repeatedly back to back. They leave harassing and threatening messages. Im not working and they arent willing to work with you.
Product: Student loan

I submitted for a deferment with Navient which was approved. I was not made aware that the deferment did not cover all accounts through Navient. XXXX loan accounts went past due without any notification to the submitted contact information causing my credit score to be reduced XXXX points. The past due amount was quickly remedied but Navient refuses to take any blame for the miscommunication and remove the credit reporting. On attempts to call Navient, they claim that their credit reporting department has " no phones and you can not discuss this situation with a live person '' which I believe is a serious offense to not even be able to speak to anyone regarding the situation. I have taken the necessary steps to dispute through XXXX and by mail but I get the same canned, automated denial. I am taking the necessary steps to remedy this situation and just want the negative credit reporting removed. I do not want to move to litigation because I feel I have been wronged and violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX  five times since XX/XX/XXXX. Ive also contacted the three Credit Agencies and nothing is being done. XXXX XXXX   is the debt collector for XXXX XXXX XXXX. I filed bankruptcy and received my discharge XX/XX/XXXX. This company as of XX/XX/XXXX is still reporting this account as OPEN with XXXX balance. I called XXXX  XXXX this morning only to get hung up on. This debt collector is hurting my credit score. I would like to file charges on them.