23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is a complaint against cmre financial services and XXXX XXXX XXXX 


On XX/XX/XXXX I was contacted by XXXX XXXX XXXX to attempt to collect a debt. I explained I was never treated by them and they could not find any record of me having been to any of their facilities. I asked not to be contacted again with regard to the matter. 

On XX/XX/XXXX XXXX XXXX I began to receive junk calls that my call filter would filter XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX On XX/XX/XXXX the flagged call left a voicemail about the debt of someone names XXXX XX/XX/XXXX XXXX XXXX  another call no message XX/XX/XXXX XXXXXXXX XXXX another call no message XX/XX/XXXX XXXXXXXX XXXX  another call no message and XX/XX/XXXX 2 back to back calls XXXX XX/XX/XXXX another call XXXX XXXX with another message about XXXX XX/XX/XXXX 2 calls 1 at XXXX and another at XXXX XXXX leaving another message XX/XX/XXXX another call and message left XX/XX/XXXX another call and message left XX/XX/XXXX another call and message XX/XX/XXXX another call and message XX/XX/XXXX 2 calls 1 at XXXX the other at XXXX XXXX XX/XX/XXXX another call and message XX/XX/XXXX another call and message XX/XX/XXXX 2 calls and 2 messages XX/XX/XXXX another call XX/XX/XXXX another call and a message On the XXXX message I was able to get a name and find a number and call the company. They were rude. I am not happy about this, I tried to stop this from the beginning. This company made a choice to pursue this type way of making money and they clearly don't have a clue what they are doing as this is illegal and I want compensation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found two different hard inquiries only on my XXXX credit report. I called and informed them that I have never entered their place of business in my life. I then asked for the documents that they had in their possession so I could see for myself. I was told they only had the one because I had submitted an application twice and when that happens they simply change the date on the original. I also asked for a copy and was told to just dispute it with XXXX. The party above with the two hard inquiries was Mauldin Financial SE of XXXX S.C with one inquiry on XXXX XXXX and again on XXXX. 
I was also informed that during this time frame the people I spoke with had not yet began employment there and that all parties who were working during this time frame were no longer employed there.
Product: Credit reporting or other personal consumer reports

I contacted Equifax and requested a credit report. While looking over that credit report I noticed some Hard Inquiries. Some have permissible purpose, some do not. According to 15 USC 1681B if these do not have permissible purpose they shouldn't be on my credit report. Please remove the following Hard Inquiries listed on my credit report that do not have permissible purpose. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor XXXX. XXXX Account number XXXX XXXX -- There was never a dispute. Please remove comments. 

XXXX. XXXX XXXX XXXX Account paid- please remove comments. no disputes XXXX. XXXX XXXX please remove comments ( never disputed anything ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX paid/closed -- please remove negative remarks XXXX XXXX XXXX XXXX- Please remove comments- XXXX XXXX XXXX XXXX XXXX - chargeoff removed by Creditor -- sent to all 3 bureaus. Will submit proof. 

XXXX. XXXX XXXX XXXX  -failed to deduct payments when auto payment was setup. my banking info never changed. I always setup auto pay. This was only XXXX XXXX  month and at the time, I had XXXX or XXXX mortgages, car note, credit cards and they all were paid on time, I always setup payments auto pay to avoid missed payments. I requested account to be closed. Please remove negative payment history.
Product: Credit reporting or other personal consumer reports

This is to express my dissatisfaction with the handling of fraudulent items on my account with Credit Bureau. Despite promptly reporting these fraudulent transactions, I am dismayed by the delay and inefficiency in their removal. I discovered unauthorized transactions on my account, which I immediately reported to your company 's customer service department. I was assured that swift action would be taken to investigate and remove these fraudulent items from my account. However, to my dismay, the process of removal has been unduly prolonged, causing me significant distress and inconvenience. As a valued customer, I expect timely and efficient resolution of such matters to safeguard my financial well-being and restore my confidence in your company 's services. The continued presence of these fraudulent items not only poses a threat to my financial security but also reflects poorly on your company 's commitment to customer satisfaction. I urge you to prioritize the expedited removal of these fraudulent transactions from my account and take proactive measures to prevent similar incidents in the future. Additionally, I request transparent communication regarding the steps being taken to address this issue and provide assurances of enhanced security measures moving forward. ailure to resolve this matter promptly will compel me to escalate my concerns to relevant regulatory authorities and explore alternative recourse to protect my rights as a consumer. I am asking for your assisstance to remove othese fraud items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$490.00} XXXX XXXX  Balance Owed : {$5300.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX 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, PR XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$490.00} XXXX  XXXX Balance Owed : {$5300.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX Balance Owed : {$750.00} 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a human being. I am a living human being. I have rights under 15 USC 1681. 

XXXX Transunion and XXXX is govern by 15 USC 1681. And the fair credit reporting act. They have violated my rights numerous of times. I demand the following accounts be removed from my credit reports XXXX  XXXX XXXX  acct # XXXX XXXX  XXXX bank acct # XXXX XXXX acct # XXXX THE FOLLOWING ADDRESSES NEED TO BE REMOVED ALSO XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX THE FOLLOWING PHONE NUMBERS NEED TO BE DELETED OF MY REPORTS TOO XXXX XXXX The following INQUIRIES need to be deleted off my credit reports too XXXX XXXX XXXXXXXX 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 15 USC 1681 section 602 A . States I have the right to privacy 15 USC 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit report. any and all negative, unauthorized transactions. that don't match my signature I am attaching XXXX that I equal facts has admitted that I was in fact affected of the data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit Report. Space list all these negative accounts from my Equifax credit report account names and account numbers and you complaint with the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian via mail to inquire about a bankruptcy being reported on my consumer report. Experian responded via mail that public record items on consumer reports are verified thru XXXX XXXX XXXX. I contacted XXXX, asking them to explain to me the process used to verify that this alleged public record belongs to me. Upon completing their investigation, XXXX was not able to verify the information, and deleted the bankruptcy in question from my XXXX consumer report. I sent all supporting documents to Experian, and asked for deletion since their data aggregator could not verify the information, and too deleted the bankruptcy in question from my consumer report. The FCRA states that a CRA must remove or correct inaccurate or unverified information from its files. This bankruptcy in question was unverifiable by XXXX, Experian 's data aggregator, and therefore is grounds for deletion from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm demanding that these unauthorized fraudulent accounts be removed from my credit file. The following accounts I have never did any business with. They do not have the right to harass me by reporting these fraudulent accounts on my files. I'm asking that they be removed. 

1. XXXX  XXXX XXXX {$180.00} 2. XXXX, XXXX {$170.00} 3. XXXX, XXXX {$810.00} 4. XXXX, XXXX {$570.00} 5. XXXX XXXX XXXX {$180.00}
Product: Credit card

Chase bank never acknowledged my fraud claims and shut down all my credit cards. I feel this is very unfair I will take the bank to court for small claims if they do not write me a cheque for XXXX dollars that I have been charged in fraud but never was credited,
Product: Checking or savings account

Bad experience with BECU I got my business checking account until one day on the on XX/XX/XXXX of 2022 someone took XXXX dollar on my account and make a payment on a credit card wich it belong to XXXX XXXX and I went over and complain but they say that they cant do anything I m so upset with BECU but they never do anything they say that its my obligation to check my account every day plus the dont give me XXXX XXXX XXXX so I dont recommend BECU
Product: Credit card or prepaid card

XX/XX/2021 used XXXX ca card at bank. XX/XX/2021 card info was stolen and used at another bank without my knowledge. Call bank to notify card canceled and issued new card bank of Americas call XXXX and card was closed for fraud and claim was closed on XX/XX/2021 verified on XX/XX/2021 with XXXX say sent over release of fund form on XX/XX/2021 boa say no time frame to unlock I just have to wait same script every time I call submitted freeze tracker to XXXX and both playing blame game thuu it s is draining and frustrating getting run around and no results or answers did everything I was supposed to do told by both parties
Product: Credit reporting or other personal consumer reports

My auto loan on my credit doesn't update each month even after sending payments on time which is influencing my XXXX XXXX. 
I disputed my Account status for Chrysler Capital twice with XXXX and even after XXXX months, my credit report doesnot reflect monthly payments. My account status is current and I made XXXX and XXXX payments but my credit report states no data available for that time period. 
I have tried to message Chrysler capital again and again requesting them to reflect my each month 's payment on credit report but they do not care and XXXX print same dispute results for me without reflecting any changes.
Product: Credit reporting

XXXX phone call an account was open in my name when ask for info there was a check in which was in my name XXXX sent without my request and cashed the were no info of where it was cashed was a odd amt. {$600.00} File a police report a copy was sent to equifax. I am XXXX has XXXX I am a XXXX Veteran never applied for a payday loan.I would like to block XXXX From reporting anything to my file I file a fraud report. ;
Product: Money transfer, virtual currency, or money service

I was purchasing event tickets online through XXXX in the amount of {$400.00}. The seller asked me to send funds using the XXXX app which I had not used before. Once the money was sent, the seller would not respond to me texts or calls and blocked me and I never received the tickets. I would like assistance getting my money refunded by Citibank. They offer the XXXX service through the Citibank app. 
Please advise and thank you.
Product: Debt collection

this company is claiming that i owe a debt from a pay day loan i did not take. 
this is fraud and i did not take out a loan with this company.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I reviewed my credit report and noticed that a late payment was incorrectly reported. This payment was supposed to be marked as on time. Prior to this, I had communicated with the creditor, and we agreed that I would not be marked late due to personal circumstances unrelated to the pandemic. Despite this agreement, the late payment was reported. 

XXXXXXXX XXXX XXXX XXXXXXXX I sent a letter to TransUnion requesting that this issue be corrected, as it is inaccurately affecting my credit report. However, TransUnion responded by stating that everything is reporting correctly, which is not the case. 

Pursuant to 15 U.S.C. 1681s-2 ( f ), I am seeking assistance in resolving this matter. The continued reporting of this inaccurate information is not only incorrect but also in violation of my rights under the Fair Credit Reporting Act. I respectfully request that this situation be investigated and the incorrect late payment be promptly corrected. 

Thank you for your attention to this matter.
Product: Payday loan, title loan, personal loan, or advance loan

I did not give this company permission to report on my any credit Bureaus, please remove from all credit Bureaus
Product: Credit reporting or other personal consumer reports

Blinc Loans is a predatory loan that has been consistently reporting my loan late on my credit report for 18 months. They will not stop reporting it late, and they do not communicate properly. I have been unable to set up payment plans without them wanting my checking account information and paying the entire past due amount. This has been going on for 18 months. This company consistently denies my request to close the loan. This has been going on for almost two years.
Product: Debt collection

There is a collection agency in my credit report name XXXX with the Amount of {$1300.00} thats is not mine. They have a date of 2016 being opened, I was incarcerated on those years. I have sent proof to XXXX but the problem has not been resolved. I need that to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, 1st Company : I went to XXXX to purchase a vehicle which I did, they checked my credit and used XXXX/XXXX in which I got approved. I did not authorize to be checked by XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I have tried several times to talked to them and they said " no problem that could be taken out '' but they told me to contact XXXX to dispute this matter, I did contact them and they say to contact XXXX XXXX XXXX so I keep going back and forward and nothing gets resolved. 

I request to please remove those 4 hard inquiries ( XXXX XXXX XXXX ) from all three credit bureaus because it is affecting my FICO score and it's incorrectly reported. Thank you in advance. 

=========================================================== 2nd Company : I called XXXX XXXX XXXX XXXX XXXX  to try to obtained a credit card called CapitalOneVenture, the application was submitted but had an error so they told me to re-enter the application. I was concern about the hard inquire for a second time but they say it will only be one, so only counting the inquire on XX/XX/XXXX and not the XX/XX/XXXX hard inquire. I noticed that it kept on appearing so I called them and they say they will be taking it off but it is still there and not resolved. 

I request to please remove the hard inquiries ( XXXX  XXXX XXXX XXXX XXXX ) on XX/XX/XXXX from all three credit bureaus because it is affecting my FICO score and it's incorrectly reported. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had called my bank XXXX XXXX XXXX XXXX XXXX about getting a loan to purchase a car. They emailed me a list of car dealerships that they deal with. They told me when I decide which dealership, I'm going with to make sure that I tell them to go under XXXX. On XX/XX/XXXX, I saw a car I like on XXXX XXXX in XXXX PA website, so I called and talk to someone about the car and told them that I want to go under my XXXX XXXX XXXX. I made sure I told them to go under XXXX. I gave them my information and they told me that they get back with me. Well, the next day I seen that they went through six finance companies without my permission and never went through my Credit Union under XXXX. When I reach out to them about the problem the lady I talk to ( I believe her name was XXXX ) told me that my Credit Union wasn't under XXXX it was under something else ( I can't remember the name she said ) that's probably why they didn't see it. I ask her if she could take them off my credit report and she said that they don't have the ability to do that for me to call the credit bureaus. I called the credit bureaus and explained to them and all 3 said that the car dealerships have to call and take them off my credit report. I called XXXX again and she said okay that she talk to someone about it. I haven't heard from them or seen anything taken off my credit report. When I called again, she told me they can't take it off I have to talk to the credit bureaus. I wrote a letter on XX/XX/XXXX, to all 3 credit bureaus and letting them know what happen and what I want taken off, but I never got a response. Can you please help me with this. 
This what I wrote to you like XXXX months ago and you said you couldnt help because you couldnt find the company. I believe I gave the address and phone number to you. Hopefully you can help me with the credit bureau. I call couple of times and sent in a few letter to get the items off my hard inquiries. They saying ( TransUnion and XXXX ) to call each financial company thats on my inquiry and get a letter saying that its not mines. I dont know why I have to go through this. Where is my rights at. Can you please help ATTACHMENTS
Product: Debt collection

To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you claim I owe. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Additionally, please be advised if Capital Management Services , LP has or continues to report invalidated information to any of the three major credit agencies ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. As such, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for violating the FDCPA and defamation of character.
Product: Credit reporting or other personal consumer reports

ACCOUNT HAS SHOWN THAT IS CLOSED. HOWEVER IT IS INCORRECT NOT REFLECTING A XXXX BALANCE. THIS IS INTENT TO DEFRAUD. TRUIST IS NOT FOLLOWING CONSUMER LAW. INTENTIONALLY CAUSING DUE HARM.
Product: Credit reporting, credit repair services, or other personal consumer reports

The issue is summarized in this letter I am sending to Freedom Mortgage via certified mail : Dear Mr. XXXX XXXX XXXX, I appeal to you for resolution of this grievance as satisfaction could not be obtained from your customer service representatives despite much time sacrificed to that cause. 

In the 10 years I have held this home mortgage never has a payment been missed, never late. I have assured this with automatic payments. In XXXX of this year my payment amount increased by {$25.00} due to a tax increase. This incidentally coincided with an extended family vacation. 

Upon return I learned that my on-time XXXX payment had not been credited to my mortgage but instead held in limbo and a {$73.00} late fee applied. All because of this {$25.00} discrepancy. Despite the unfairness of this, I was willing to write it off to unfortunate circumstances, pay the late fee and move on. That is, until I received notification that you had reported my payment Past Due to the credit reporting agencies. 

This damage to my creditworthiness with its potentially wide-ranging consequences is unjust and unacceptable. My loan payment was not late. The amount more than covered the principle and interest payments due. The trivial escrow balance in no way justifies this disturbing and damaging course of action by Freedom Mortgage. 

I am requesting restitution from you in this matter through 1 ) immediate correction of the derogatory credit reports and 2 ) application of the {$73.00} late fee to my principle balance.