23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

McNeil & Meyers Receivables Management Group LLC Is trying to collect a debt that was opened by XXXX. I did not open an account with XXXX nor did I authorize anyone to do so and I notified them certified mail on XX/XX/XXXX with confirmed delivery of receipt, that I am in dispute of the debt and invoking my rights under The FDCPA and any other applicable state laws. However I did not receive a response. On XX/XX/XXXX I sent a default notification letter certified mailing with confirmed delivery of receipt. 
However they continue to report the following incorrect information to XXXX and XXXX Credit Bureau and it needs to be removed : Balance {$2900.00} Highest Balance {$2600.00} Opened XXXX. XXXX, XXXX ( XXXX yr, XXXX mos ) Account status XXXX XXXX Unpaid Responsibility Individual Account. 
Remarks No Info Original Creditor Name XXXX XXXX ClosedNo Info
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

XXXX  XXXX XXXX XX/XX/XXXX {$170.00} XXXX XXXX XXXX XX/XX/XXXX {$600.00} XX/XX/XXXX XXXX  15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Transaction declined at point of sale, banking app not functioning. Customer service had no answers, no update on expected deposit, no way to access funds for vital needs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im unable to place or remove a security freeze on my credit file and XXXX XXXX XXXX is unable to check my credit report and told me there is a freeze on my file and my Equifax account has a glitch issues and it needs to be addressed and fixed I cant add a freeze and remove it off my file I dont have a freeze right now but XXXX  XXXX XXXX said my Equifax credit report is frozen on there end.. I need have this glitch fix on my Equifax membership
Product: Mortgage

I have a mortgage loan with Bank of America and live in XXXX, KY. Since Bank of America does not have any branch, office or ATM locations in my city it is not practical for me to have my checking account with them. 
I recently attempted to make a principal only payment to Bank of America online. Their online service prohibits me from making this simple action. Instead, it requires that I may my normal monthly payment plus any additional principal payment. Since this is an extra payment, they put the loan in a " paid ahead '' status - meaning it was not fully applied to principal. If I had not been paying attention I would not have received any credit for paying the extra payment. When I called BofA, they did " move the payment '' to principal and explained that if I was their checking account customer I would be " allowed '' to make a principal only payment online but since I am not their checking account customer I am not permitted to do so. In essence, they are penalizing me for their failure to open locations in markets that they lend to. My loan was bought by BofA, I had not control over them becoming my lender. Why should I have to take time every month that I make a principal only payment to call them and tell them how to do their jobs? How many of their customers have not paid attention and ended up paying untold amounts of extra interest charges when they thought they were making a principal only payment? This seems both unfair and deceptive in my opinion and the fact that I have to take my time to straighten out is abusive on my time. If I could move my loan to XXXX I 'd do it in a heartbeat. I do not have any deposit banking relationship with XXXX but they still allow me to make principal only payments on a mortgage loan with them.
Product: Credit reporting or other personal consumer reports

This false information reporting to my credit report has been a bad impact towards my credit score
Product: Credit reporting or other personal consumer reports

I've identified incorrect information on my credit report, as outlined in 15 USC 16c-2. I believe this information is inaccurate and negatively impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to get these inquiries removevd from all three of my credit reports I did speak with a person over the phone about a reverse mortage but I never authorized him to pull my credit. Delete these inquiries.Nor did I authorized XXXX ; XXXX store remove these inquiries XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Product: Debt collection

I am writing to you today with a sense of urgency and frustration regarding the erroneous information currently tarnishing my credit report. Unfortunately, it seems that my pleas for resolution have fallen on deaf ears, necessitating this assertive communication. I want to make it explicitly clear that I am a victim of identity theft, a fact that should prompt immediate and decisive action on your part. Under FCRA Section 605b, you are mandated to remove/block any account listed on an identity theft report. Attached, please find the required documents essential for facilitating the blocking of the inaccuracies that have found their way onto my report. The following accounts, which neither belong to me nor were opened with my explicit permission, demand your immediate attention : 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 FCRA Section 605B ( a ) stipulates that Experian shall block any information in the file of a consumer identified as resulting from alleged identity theft, not later than 4 business days after the date of receipt. I expect compliance with this legal obligation without delay.
Product: Debt collection

I noticed this company on my credit report not once but twice with the same amount of debt with two different account numbers. I attempted to call the company and advise them that they should contact the school regarding the matter. I was a involuntary withdraw from online classes due to a car accident that left me incapacitated during the time class were in session. Therefore the debt that have as owed is incorrect. I gave the company my attorney information however, they have since done nothing about this. Not only do school policy relieve me of financial obligation but so do federal regulations. I was hospitalized for almost one month putting me behind in the class. I was not able to attend and NEVER logged back in after the accident happened. I only called the school to advise them of what happened some time after by way of attorney.
Product: Credit card or prepaid card

Synchrony bank approved a Lowe 's credit card from my application. I used the card the day I was approved and only 2 weeks later they closed the account. They indicated it was based on my credit report as the reason for closing, however the only report they obtained was at the time of application and nothing changed on my report from the date of application to the date of closing. They are refusing to provide additional information and this now negatively impacted my credit score.
Product: Checking or savings account

My sons SSXXXXI has been deposited into my Chime account every month for a year. Last month I had my 2022 taxes through turbo tax deposited into my account and two additional deposits from a casino website. After I received my Sons SSXXXXI this month Chime closed my account and told me my account violated their deposit agreement. Told me to provide identity proof by sending my drivers license, SS card and proof of residency. I sent all. To which they said due to security they couldnt discuss my account with me. I called and they wanted proof of the DD into my account asking for screenshots to which I provided all documentation. They have told me they will not issue a refund for my sons SSXXXXI and have stopped communicating all together with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, Portfolio Recovery Associates added a derogatory mark on my credit report per XXXX XXXX and XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. According to the FCRA, Portfolio Recovery Associates has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Debt collection

In XX/XX/2019 I received a collection letter from Credit Collection Services regarding a debt I did not recognize. 

I sent them a fax on XX/XX/2019 asking them to validate the debt. 

They refused to respond. 

on XX/XX/2019 I sent another fax advising them they refused to validate the debt and are continuing to collect on the debt in violation of the FDCPA and UDAAP.
Product: Mortgage

my mortgage loan was with rounpoint mortgage servicing corporation, which was fully paid by refinance with XXXX XXXX XXXX XXXX on XX/XX/2022. 
Roundpoint mortgage bank has debited {$2300.00} for installment for XXXX 2022. which account ( loan number XXXX ) has been fully paid and closed. 

since last three months i am try to contact the Roundpoint bank they comes direct answering machine, they track my cell number and SS number it is directly goes to answering machine. i have send emial to XXXX on XXXX XXXX 2022 and XXXX XX/XX/ 2022, my loan has been fully paid in XX/XX/2022 they are holding my money {$2300.00}, and worse part is nobody come on phone not reply email. please help me get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block these items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$110.00}
Product: Credit reporting or other personal consumer reports

I have noticed an account that is in violation of my rights, the FCRA, and the FDCPA. Below is the information regarding the account I am referring to. I am not liable for this debt with XXXX XXXX and do not have a contract with XXXX XXXX XXXX XXXX XXXX. I am not liable for this debt with XXXX XXXX and do not have a contract with XXXX XXXX XXXX. I am not liable for this debt with XXXX XXXX. They also have let someone make an inquiry using my credit for XXXX XXXX since then when I have a known fraud alert that has been in place for over a year. They did not provide me with the original application as requested. I have also submitted an FTC report about this and they removed it from my credit report, only to reappear under a different name and with an address that I have never lived at. My identity has been stolen twice and I have let them know that with a police report and papers from the IRS. Please review the information above and have it removed immediately, as it violates my consumer rights as well as my FDCPA rights. Thank you!
Product: Credit card or prepaid card

XX/XX/2020 - I bought a game console for XXXX on XX/XX/2020 from XXXX. I used a credit card with XXXX. 
XX/XX/2020 - XXXX XXXX says " Delivery completed, '' contacted XXXX, and confirmed the sender shipment to other locations. 
Also, I tried to contact the seller, Not answering my call from the seller. so I applied for fraud on my credit card, XXXX, XXXX XX/XX/2020 - The Present, XXXX says the package has been returned to XXXX, and XXXX and XXXX didn't help. XXXX  does not open information on fraud and does not change my shipping information. The credit card company says it can't give you a refund because it comes out " delivered ''. Requesting XXXX  to change the Shipping detail, but didn't. XXXX Said contact XXXX. I under his jurisdiction to contact XXXX So I contacted XXXX and they said they couldn't change it because the tracking number had arrived properly. 
The same city sent packages to different addresses. And returned back the package went to the sender. I've never seen such a case before. I sent a message to the seller continuously and contacted XXXX. XXXX said sellers send a package to XXXX, XXXX XXXX CA XXXX. But my address is XXXX, XXXX XXXX CA XXXX. That is a different address. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I explained this fact, but I received a letter saying that it was settled by closing the case without refunding it. I called several times to Bank of America for an appeal of my case, they said just wait.
Product: Prepaid card

Ever since I received an American Express gift card for XXXX I havent been able to use it. Every time I try to buy something, it says that the card has declined or has expired. But, when I check the website it says that my card is active and my {$25.00} is still on the card. Ive done research on these Amex gift cards and saw that many others were having the same issue and most time when they call customer support, they cant understand what theyre saying or theyre straight up told that it isnt the companys fault and theres nothing that can be done. Which is one of my main reasons why I havent called support since most everyones complaints about their service is the same. I just would like my money that was gifted to me. I know its only {$25.00} but the whole point if a gift card is that youre supposed to buy the things that you want when the gifter doesnt know what to get you. If you could help thatd be nice.
Product: Checking or savings account

On XX/XX/year> at XXXX I deposited cash {$3000.00} 3 separate times and then i deposited {$900.00} more and the ATM terminal no is XXXX retained my cash deposit of {$900.00} and gave me an receipt! I already made an claim with Capital One and its already been 8 days that i dont access of my own cash deposit!
Product: Checking or savings account

I deposited a check amounting {$17000.00} in my Citizens checking account XX/XX/year>. {$220.00} cleared and then they snatched it back to {$0.00}. The customer service person on the first call said the funds 'll be there on the XXXX. I called again and they said my account is under review. Debit card locked and everything, no mobile access. They won't tell me why. The check is good bc it cleared according to their policies.
Product: Debt collection

About ten years ago, I had an account with MBNA that resulted in a negotiation and a paid off balance. Just received information all these years later, that my wages will be garnished 25 % each month for this same account. In the last six years I have purchased a house and this issue was not on my credit. I had no other letters or phone calls from creditors. I even refinanced a couple of years ago and this issue was not present. Because of move and poor record keeping, I am unable to locate the negotiation letter and proof of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I was looking at my credit report recently and noticed there was inaccurate/erroneous information being reported on my XXXX, equifax and XXXX account. On XX/XX/2023, I traded on my lease from XXXX XXXX  for my XXXX XXXX vehicle. My old vehicle was then purchased in full for approximately XXXX XXXXXXXX. The payment was sent to XXXX XXXX from XXXX XXXX ( attached is the evidence showing the proof of payment ) Additionally, XXXX XXXX has confirmed within the attached letter that dated XX/XX/2023, I currently have a XXXX balance loan and have never had any outstanding payments. As such, I request that the late payment identified on my XXXX, Equifax, and XXXX credit reports be removed as they are inaccurate. I also want my payment history back to 100 % as I should have ZERO late fee 's. Thank you.
Product: Money transfer, virtual currency, or money service

I order an XXXX for my friend a few days ago the ride was XXXX dollars I ordered it for her but when I woke up the XXXX charge said XXXX dollars an some change so I called Robinhood an they me to dispute it so I did as well they recommended me a new card so I did since then I havent been able to send spend or do anything with my money my account is pretty much frozen and on top of that when I requested the new card they started to sell all my shares Crypto EFTS etc an im really confused on why would they do that but Ive been trying to get in contact with but they keep telling me contact via email
Product: Money transfer, virtual currency, or money service

Issues with money and lack of customer service to get it resolved
Product: Credit reporting or other personal consumer reports

XXXX PROS XXXX XXXX : XXXX XXXX XXXX OF XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX MB FIN SVCS : XXXX.
Product: Bank account or service

I have repeated ACH transactions being taken out of my checking account with Capital One bank. I have opened disputes with Capital One on these transactions but they have been denied. The reason for the denial is that they have a policy that disputes must be initiated within 24 hours of the transaction. Unfortunately I am not able to log in and check my account every day, so my disputes are denied. Some one at a company called XXXX is stealing money out of my bank account, and Capital One will not help me with this problem.
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. 

XXXXXXXX XXXX - # XXXXXXXX XXXX XXXX XXXX XXXX, XXXX - # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or 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

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Debt collection

As of XX/XX/XXXX each time XX/XX/XXXX XX/XX/XXXX I have asked for validation of debt with original signatures and Original dates when account first open and they refuse to send it. I keep getting back debt verify with a statement. It was taking off my credit report back in XXXX by Lvnv funding LLC then it comes back as finger hut, then that is taking off then come back again as Lvnv funding LLC. Its like theyre going back and forth between companies reporting and not sending the information that is needed. The amount is XXXX as of XXXX it was just added back to my credit reports.
Product: Credit card or prepaid card

This is a transactions fromXX/XX/2019. I went into the pawn shop to pick up my computer at XXXX XXXX XXXX in XXXX La but my card was declining because i needed a pin number which the American Express Serve Card didnt all me too. So I went to the XXXX XXXX on XXXX XXXX in XXXX  and retrieve XXXX off my card XX/XX/2019. After this transaction I didn't need to use the card again so on XX/XX/19 I looked for my card this whole day but didn't have it. I called to report it lost/stolen that same day and disputed two transactions ; 1. {$50.00} XXXX XXXX  ( I have used this gas station before but my transactions never of over the amount of $ XXXX  {$15.00} max ) 2. {$58.00} XXXX XXXX XXXX XXXX I have never been to this location and had to XXXX this location.I have went to both locations to try and get the cameras. American Express Serve told me I didn't need a police report at the time but as it turns out I had went get one anyway. They had closed my account but when I contacted the corporate office spoke with XXXX ( he got it back open ) and told me a third party has the company now. Also told me that they were going to re-open my case and at the end of the day still the same results when its not my purchase and this is my money that was used.
Product: Debt collection

There is a charge off for {$200.00} on my credit report from Miramed Revenue Group. I have never been contacted by this group. This is not a valid debt and I think they are running a scam. I had hospital bills that have all been paid. I believe they have stolen personal information about me, and have filed this collection as a way to intimidate me into paying a debt that is not mine.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that 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