23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I declare under penalty of perjury ( under the law of the united states.if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally. These misstatements are punishable as perjury under 18 U.S.U 1621. This found within my credit are not related to any transaction that I made I am alleging that a person or company-without my authorization -used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts.All is being investigated by the FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX this creditor has violated my rights. Under 15 USC 1681 sec 602 states I have the right to privacy. 15 USC 1681 sec 604a sec 2, also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor my not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Vehicle loan or lease

We purchased a 2018 XXXX XXXX XXXX XXXX On XX/XX/XXXX for XXXX and being charged a 26.59   % interest rate due to low credit score. Payments are XXXX a month for 72 months and will have paid XXXX XXXX dollars for this car when its paid in full. Outrageous interest rates for subprime borrowers should be illegal and its predatory since neither of our credit scores were that good but this is highway robbery. Even in 2 years we will still owe more than the car is worth and this particular lending company has been sued for predatory lending already. What recourses do we have?
Product: Credit card or prepaid card

I made a payment on the XXXX of XXXX and I still have no available credit update as of the XXXX of XXXX so I call in and they tell me again for the third time historically in the existence of my account being open for 6+ months that my money will be in hold for a month until they release it. Like how I said this is the third time they have some this with no warning and holding funds for months collectively. I need this problem solved and my money released within the 1-3 day credit update time frame posted available credit within the 1-3 day time frame from fund extraction date posted and clear answers in written form per policy that is accessable and observable on the consumers side to better help me understand and avoid this financial issue.
Product: Credit card or prepaid card

My card provider has a policy of closing an account which has been inactive for a period of 24 months. My card account was closed due to inactivity, This action has dropped my credit score from XXXX to XXXX ... 
This action had nothing at all to do with non-payment or delinquency, it was simply lack of use on this card. Now I am penalized on my FICO score by a 23 point drop. I have made all of the calls necessary to address the problem, the bank card, the three credit monitoring agencies, and XXXX ... .and there is nothing that can be done. A 23 point drop seems harsh and punitive.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX  Acct Number XXXX Bal. {$2100.00}
Product: Credit card or prepaid card

I was visiting XXXX XXXX XXXX, As soon as i was about to purchase park tickets via my XXXX credit card i was offered a promotion if i apply for XXXX XXXX XXXX Card that if i make a online purchase today i would get {$250.00} Credit and {$49.00} Annual Fee waiver for the first year upon spending {$500.00} in next three months I made those purchases and got qualified for the offer and was credited {$250.00} however was charged {$49.00} Annual Fee, i called Customer service and they said they have escalated this issue and will get the fee waived off and send me a letter. 

after weeks i got a letter that we can not waive off this fee as there is no offer like that available, i called again and made them realize that there was so one who gave us misleading advertising offer for sales purpose and got us stuck with this fee at XXXX XXXX, but chase had no answer and told me they cant do any thing else.
Product: Debt collection

Midland Funding targeted me by some how seeing that i was trying to buy a home. The day after my credit was pulled by my mortgage company they placed XXXX balances on my credit in attempts to drop my mid score. They listed fake dates, balances, payment history and that it was in reviewing status or " DISPUTED '' even though I had never even received a right to dispute. THEY WERE BEGGED REPEATEDLY to correct this and, even once given the opportunity to prevent this complaint, begged for this complaint be filed. They refused to provide me any of the information necessary to validate or substantiate this claim and failed to do so. I stand to lose XXXX in Ernst Money and they laughed as they continue to report with intent DEFRAUD ME OF MY RIGHT TO PEACE.
Product: Debt collection

The company forwarded my medical information to a collection agency without my consent violating my rights under HIPPA. They also submitted inaccurate information and when asking for validation, I dont get the proper documentation and it is being listed on my credit by providing hand created documentation. The collection agency that they are using is very aggressive. At the time of me being seen, I was qualified for assistance with my medical bill and submitted all necessary documentation and I was covered.
Product: Debt collection

Eos cca contacted me by phone saying that I had a {$270.00} debt from XXXX from 2012 and asked for my credit card number to pay off the debt. I have never had an XXXX account in my name, and had certainly never received any type of notification of debt. The only information I could find on this company was on XXXX and I read several stories similar to mine. I called XXXX and they had no record of me having an account or ever having a debt. I called Eos and told them this and they said that a customer service representative wouldnt know since they sold the account to the agency. I then called XXXX back and they said that even after they sell an account to a debt collector, they keep a record of who they sold it to and such, the account does n't just completely disappear. Eos said they would send me a fraud kit to fill out but it just does n't seem legitimate. They also said they already reported me to the credit bureau which seemed more like they wanted me to go ahead and give them my credit card number over the phone.
Product: Checking or savings account

On XX/XX/XXXX, BMO froze my account and accused me of fraud as I had deposited two checks from XXXX XXXX into my account after closing my Roth ira. I called the bank to rectify the issue and they would not give me any details on why the checks were not verified and proceeded to hang up the phone on me three consecutive times. They told me I can not access my funds for 14 to 30 days while the investigation is ongoing. I also have my direct deposits going to this account and the bank will not allow me to access these funds either so I can't pay my bills. I need them to release the restrictions immediately or I may take further action
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute and Complaint against First Progress Dear CFPB Representative, I am writing to dispute and complain about the unfair and inaccurate reporting of a charged-off account by First Progress. The account, which appears on my credit report as " XXXX, XXXX was allegedly charged off and written off in the amount of {$160.00}. 

I strongly dispute this account and its reporting for several reasons : XXXX. Failure to provide a XXXX : As a result of the charge-off, First Progress was required to provide me with a XXXX form, which I never received. This form is necessary for me to report the income on my tax return. 
XXXX. Inaccurate reporting : Despite the account being charged off and written off, First Progress continues to report that I owe a balance. This is inaccurate and misleading.

3. Unfair tax benefit : First Progress claimed the charged-off amount as a loss on their taxes, which provided them with a tax benefit. However, they failed to provide me with the necessary documentation to report the income on my tax return. 

I request that the CFPB take immediate action to : XXXX. Investigate this matter and require First Progress to provide me with a copy of the XXXX form. 
XXXX. Correct the inaccurate reporting on my credit report and ensure that the account is updated to reflect a XXXX balance. 
XXXX. Take enforcement action against First Progress for their failure to provide accurate information and for their unfair tax benefit. 

I have attached a copy of my credit report, which shows the inaccurate reporting of the account. I would appreciate it if you could look into this matter urgently and take corrective action to resolve this dispute. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2018 I closed my checking and savings account and moved all my funds to another bank. A few days later a check I had written was presented to the bank for payment of {$9.00}. Rather than refusing the check, the bank reopened my account and paid the {$9.00}. The bank then charged me $ XXXX+ a {$35.00} insufficient funds charge on my closed account and assessed me a {$30.00} per week charge for every week subsequently. Of course I knew nothing about this until I received a notice from my former bank on XX/XX/XXXX demanding payment of {$130.00}. I have tried to resolve the issue thru contact with customer service. They offered to waive one fee and told me to speak with the branch manager, a XXXX XXXX. This was to no avail. Attempts to contact the regional manager were thwarted by the banks refusal to provide his phone number or proper email address. Attempts to contact senior officials in higher offices were also hampered by promise of " I will check into that and get back to you '' I paid the bank the {$9.00} they were owed but have refused to pay the assessed fees for their stupidity.
Product: Student loan

Issues : 1. I disputed my debt according to 15 U.S.C. sec. 1692g ( b ). But the servicer ( XXXX XXXX XXXX XXXX ) ignored my dispute letter. They did not verify the debt. Nor did they cease collection of the debt. 

2. I am confused as to who holds the loan and who is servicing the loan. In XXXX XXXX I received letters from both Navient and XXXX XXXX XXXX XXXX ( hereafter " XXXX '' ). Both claimed to be servicing the loans. I 'm now receiving calls from General Revenue Corporation. 

3. I 've received conflicting daily interest rates. My rate with Navient is {$8.00}. My rate with XXXX is {$8.00}. 

4. I have not received important information from Navient. I requested a copy of my original agreement with the lender. Navient has sent my XXXX application but it does not show the amount of the loans. I also requested a copy of the final account statement from the original creditor and a breakdown of any collection costs. Navient ignored my requests. 

5. I have requested that the U.S. Department of Education review my account. Nevertheless, XXXX XXXX XXXX continues its collection efforts while the review is pending. 

6. Although I have been communicating with Navient, XXXX XXXX XXXX has called at least two of my acquaintances. XXXX XXXX XXXX knows my address and phone number. Therefore, the calls serve no purpose other than harassment. 

All pertinent documentation is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : 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: Mortgage

{$2000.00} unpaid for XXXX  property taxes from escrow by Freedom Mortgage Company. Notified Mortgage company via phone between XX/XX/XXXX to open ticket. Checked status and sent details regarding delinquency and detailed tax office info again via email XX/XX/XXXX. Checked status via phone and sent another email XX/XX/XXXX and XX/XX/XXXX Each status check, notified by Freedom Mortgage they could not reach our tax office/no response from tax office, still waiting on info, and would provide a status update in 3-4wks. Contacted tax office who reports they were never contacted by the Mortgage Company each time. XX/XX/XXXX they were given the Tax Appraisal accounts manager direct email address to get this resolved and as of XX/XX/XXXX they had not attempted to contact her, but reported they did " try '' to contact the Tax Office. I was confident that the tax office wasn't the issue so I sent email to tax office and mortgage company. Tax office promptly responded ( as expected ) and still no updates from Freedom Mortgage ( as of XX/XX/XXXX ). Freedom has had all required information to make payment as of XX/XX/XXXX. I am delinquent on my taxes despite never being late on a single mortgage payment EVER. After a friend complained he was having problems with getting his home insurance paid from escrow and told us he ALSO goes through Freedom, we did a quick search. It appears this company is natorious for this type of behavior. I have owned 4 houses/4 different mortgage companies and NEVER had this issue, until now. This company has called me at least once a week to refinance but can't call once a week to get this taken care of. I do NOT recommend Freedom Mortgage.
Product: Debt collection

On XX/XX/XXXX, I received a notice of possible attorney review from Midland Credit Management ( Midland ) where they stated, " We are proceeding with an evaluation of your account and are considering forwarding this account to an attorney in your state for possible litigation. '' I had already asked Midland to provide evidence that I owed the debt because I am a victim of identity theft. Midland sent over a copy of billing statements, and nothing baring my signature. 

I submitted Midlands documents to my attorney who is working my identity theft case and he started working on the case. He advised Midland to not reach to me any more and to send all correspondences to his office. He also asked Midland to confirm that they have ceased collection actions against me and to also confirm that they have not put any negative marks on my credit profile. 

Midland sent a billing statement to my attorney also. After the second letter to Midland on XX/XX/XXXX we never heard anything back from Midland. On XX/XX/XXXX I noticed that Midland added their collection to my credit report as being past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a medical collection from 7 years ago still listed, it was an error reported  XXXX  states  XXXX  which is not accurate I fought this and insurance paid back in   XXXX   this is a violation of my rights and not even verifiable why is Equifax still listing it. Requesting removal ASAP
Product: Checking or savings account

My Bank of America debit card was used fraudulently on XX/XX/XXXX. I was alerted the day it was used as suspicious activity and quickly called the bank within a few hours of the transactions to let them know whomever was using the card was not me and did not have authorization. They opened a claim the # is XXXX it is for {$350.00} used at a XXXX in Kentucky. I currently reside in XXXX XXXX Missouri. They credited my account on XX/XX/XXXX. On XX/XX/XXXX they closed the claim as unable to pay. I have called to reopen the claim and follow up on it multiple times. They are now simply saying it will be reopened and assessed however they have not given me the funds, nor have they gave any indication that they would give the funds. To my knowledge I have not used any XXXX with any frequency in the history of my account with bank of America. I frankly don't even know if they exist in my home state.
Product: Checking or savings account

On XX/XX/23 someone withdrew the amounts of {$150.00}, {$120.00}, {$61.00}, {$100.00}, and then a purchase of {$15.00}. I didn't even realize my card was missing until the following evening. I immediately called Chase to file the claim. They gave me a temporary credit of {$430.00}. Today, XX/XX/23, they said they're reversing the amount on XX/XX/23 because it was processed according to information I provided or it was authorized. I called them to dispute that because for all the years I've had that account I have never used a non-chase atm. I refuse to pay a fee to an atm plus chase. They said repeatedly they couldn't do anything else. I paid a fee to have a new debit card sent and went to the bank to create a new pin. I have read I shouldn't be responsible for more than {$50.00} as I reported it within 2 business days.
Product: Money transfer, virtual currency, or money service

I purchased a money order for {$1000.00} through Western Union and XXXX. On XX/XX/year>, I requested a refund. However, since that date, I have not received the money, despite repeatedly contacting Western Union customer service.

Every time I call customer service, they tell me to wait 24 hours, 48 hours, or a week, but they never resolve the issue. On one occasion, they sent me a check, but when I went to cash it, the cashier verified it with Western Union and informed me that the check was invalid. Since then, I have not received any further checks, and I have been waiting for months with no resolution.

I have followed up multiple times, and Western Union continues to tell me to wait, but they have not sent me
the money I am owed. This delay has been going on since XX/XX/XXXX, and they keep making me wait without resolving the issue.
Product: Debt collection

I originally settled accounts several years ago with XXXX XXXX XXXX XXXX XXXX Hospital. Recently they have sold accounts to XXXX XXXX, XXXX from XXXX, Texas. They are now trying to collect on old accounts that are settled and they continually try to use false dates and continually update the dates. I have tried several times through the credit reporting bureaus to dispute this especially because no one has provided me any strict proof of this debt and none of the debt was in XXXX XXXX XXXX name and I have no obligations to them.
Product: Credit reporting or other personal consumer reports

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, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

I do not consent to electronic communications. I request all responses be in writing through the USPS. I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

My Experian credit report contains inaccuracies that should have never been reported, and I find this completely unacceptable. These errors raise serious concerns about the reliability of your reporting process. The presence of such incorrect information is negatively impacting my financial stability, and I will not stand by while these mistakes go unaddressed. 

As a consumer, I have a legal right to a credit report free from false or unverifiable data. The FCRA mandates that all reported information be accurate, and any errors must be corrected immediately. I demand a full investigation and immediate corrective action. Any delay in resolving these issues will not be tolerated. 

Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, ID XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX , ID XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

this debt collector engaged n abusive, deceptive and unfair practices of the FDCPA which it prohibits they furnished this account that we didnt agree upon and i didnt sign any agreement on. a legal contract is signed by two parties and i did not participate in any of it. more so they didnt follow the proper 5 step validation procedure which make this unfair practices. according to the FDCPA im entitled to XXXX dollars per violation and clearly they violated my rights. 


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

I was notified that I was a part of the XXXX Equifax data breach. I was promised free credit restoration services for 7 years, and I have not been able to receive the service. 
2 ) Items I don't recognize on my credit report