23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I originally contacted the debt collection company midland credit management in order to reach a resolution on an account that had been purchased by their company. They stated that the debt was not available and that I should call back. I called back and was transferred to a representative that stated my balance as being {$480.00} on an account that was charged off by the creditor at {$190.00}. I offered a settlement of {$250.00}, more than a 50 % settlement. They denied my offer and I stated that I will continue to offer the settlement in hopes that we could eventually resolve this account. I have continued to receive phone calls everyday for about 3 weeks to which I always make a point to answer and reiterate my settlement offer. On XX/XX/XXXX I spoke to a representative for an hour in hopes of reaching an agreement. He offered me {$290.00} and told me that if I did not pay that amount that they will continue to collect and that it would result in me paying the {$480.00} in full. Upon this information I requested written correspondence of the debt. He stated that the document had already been mailed, I asked him where it was mailed as I had not received it and he gave me an address that is not correct for me. I asked him to resend the letter, he refused to do so stating that it would take 7-10 days and that this account does not have the time to wait for the letter to be sent. I continued to request the letter and he continued to refuse to send it stating over and over that this account has been in the office for a month, which is untrue, and that getting the letter would do nothing. This is a violation of my rights as a consumer according to the FDCPA. The collector used untrue statements, harassment tactics, and clearly disregarded to the FDCPA when it was brought to his attention. As a company with previous class action lawsuits regarding similar incidents this clearly falls in line with previous rulings of illegal debt collection practices.
Product: Money transfer, virtual currency, or money service

i have opened a simple XXXX  an paypal business account on XX/XX/XXXX selling used electronic items tangible goods i have had the account for 30 days all items have been shipped with proper tracking all guidelines followed now with out warning on the date of XX/XX/XXXX my paypal account was closed for a non specific reason/vague i have XXXX dollars in this account from from items i sold around my house to help my family they have ruined my XXXX reselling /feedback system excepting sales from my XXXX  without refunding customers properly as this was done without warning while items still sold from XXXX  they keep money an refuse any recourse to me or my customers destroying my XXXX online resell business entirely i am XXXX years old my money is held for 180 days in there account used for there financial services/ie trading on the open market in benefit of paypal inc illegally under texas law ruining my finances an putting me into undue financial hardship i am unable to unlink any financial information/ they offer no recourse there is no recourse for my hardship/ repeated contact results in hang ups/rude representatives vague and unclear policy in utter frustration i have contacted the company an they have refuse any compromise or even to answer questions regarding a solution
Product: Credit card or prepaid card

Dates and amounts are contained in the attached files. In summary : I had my eyes checked at the XXXX vision center, ordered lens from them. Could not use them, they gave distorted and blurry vision. The XXXX XXXX XXXX scheduled another eye test, got it and they ordered new lens. The vision from this second order was worse than the first. I notified XXXX Store Management and they just shrugged and offered no resolution. I called NFCU and said I want to dispute the XXXX charges, repeated in excruciating detail all that had happened and asked if they needed the location of the store. I was told that they had all they needed. Shortly thereafter I received a letter with a form in it. I filled out the form and sent it back to them. My wife then gets a letter with her credit card number on it saying they are not going to dispute the charge because she did not return the form in time. I did, the delivery receipt is attached. I also received a letter, with my credit card number on it, with a bunch of checked boxes indicating what forms were required. All documentation detailing this is attached as files. It appears that these credit card people are in total disarray and are throwing up their own administrative obstacles in an attempt to NOT resolve this credit card dispute with XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX XXXX. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 or other personal consumer reports

I have identified incorrect information on my credit report that has been repeatedly verified by TransUnion, XXXX, and XXXX as accurate. However, I have substantial evidence, which I have attached, proving the information is false. Continuing to report and verify these inaccuracies violates my rights under the Fair Credit Reporting Act ( FCRA ), particularly section 611, which requires a thorough investigation into disputed data. 

The continued presence of this false information on my report has caused unnecessary harm. As such, I demand immediate correction and the removal of this inaccurate data from my credit report. Please review the attached documents carefully and take appropriate corrective actions to avoid further legal violations.
Product: Credit reporting or other personal consumer reports

Trans Union and XXXX report it on my credit report that this account is still at 94 % debt to income ratio balance owed in the amount of {$490.00}. I have contacted them letting him know that this account was paid in full they took XXXX points. Drop my credit score.. trans union and XXXX lowered my credit score for the second time with this XXXXXXXX XXXX XXXX XXXX. I dispute this with them twice and they rise my score. Someone in companys office is making this mistake and I kept getting penalizing for their errors.
Product: Checking or savings account

I have a joint XXXX  account with my XXXX. She XXXX XXXX XX/XX/XXXX. I was informed by the bank and the lawyer that the funds would automatically just go to me and there would be no issue XX/XX/XXXX. I attempted to use my XXXX card and at that time balance on my money market and XXXX account showed XXXX dollars available but all of the funds are still in the account listed as a pending withdrawal. I am not the executor, and XXXX not in great contact with the executor. It is my assumption that the executor of the account went to the bank to close out the XXXX card and the XXXX and that created a hold for some reason on this account I now noticed that, I am the only name on the bank account. I have attempted to call the bank for XXXX times was still no results. The answer Ive been given is it is being handled internally and that is all they can say they are not saying if its due to my XXXX XXXX or anything.
Product: Credit reporting or other personal consumer reports

Experian Credit Services XXXX XXXX XXXX XXXX XXXX XXXX RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : BankruptcyXXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX - XXXX XXXX XXXX - {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX - XXXX - XXXX XXXX {$150.00} XXXX XXXX - XXXX - XXXX - {$72.00} XXXX  - XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ I requested Experian to investigate and remove incorrect information about student loans from my credit report. Its been 30 days since my request and Experian has not responded to my claim. I then sent a second dispute letter on XXXX  to request for Experian to remove information about student loans from my credit report. Therefore, they are in violation of the following, 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year XXXX of XXXX I sent a dispute to Agency requesting an investigation into this account that was reporting wrong information and they sent to me saying the information was verified. On XX/XX/XXXX I sent a dispute by mail to Experian regarding this account that was still reporting the error showing a late payment for the account that was Never late asking for them to re investigate and to send me the method of verification that was allegedly given. Today is XX/XX/XXXX and I was NEVER notified of the status of the investigation nor given verifiable proof of late payment as I requested. I also contacted the original creditor and upon my request by phone and mail they were not able to give me proof of a print out of my statements, payments made or my payment history nor did they give me the original contract as requested. I feel I am being bullied! This account was paid in full, and the alleged month that I made a late payment was my last payment to complete the full payment of loan. I did not make sure ALL my payments were on time to get to the last payment to not pay. My account was up to date and paid on time every month up to that point. I had my debit card connected to my account on autopay so there is NO way I could have had a late payment as shown on my account. Again I completely paid off this account with NO late payments or derogatory marks. This account is incorrect and erroneous. At this point I am very frustrated as I am being taken advantage of by being misrepresented by this Credit Reporting Agency of my effectiveness and ability to pay back my debts and obligations on time and I have worked hard to keep all my accounts in good standing. This is unacceptable! Please help me with this situation before I have to spend my time and money seeking litigation for monetary compensation that's owed to me by federal law for this misrepresentation and unwillingness to investigate into this matter properly. This incorrect information being reported is a hinderance as well as not true I demand that it be corrected. I also stated my information was involved in the Experian data breech and could be the reason my information is represented wrong, either way I just would like to represented correctly when it comes to my payment history for this account.
Product: Mortgage

THIS COMPLAINT INVOLVES FRAUDULENT AND DECEPTIVE PRACTICES BY BANK OF AME RICA HOME LOANS , IN  XXXX , CA, THE SUBSIDIARY OF BANK OF AMERICA THAT TOOK OVER THE TOXIC MORTGAGES OF THE FORMER COUNTRYWIDE MORTGAGE COMPANY IN CALIFORNIA. This situation is well known to the CFPB.   Bank of Ameri ca Home Loans was responsible for providing assistance to the people who were losing their homes because of the toxic C ountrywide Mortgages. In many cases, those Mortgages were sold to   XXXX   XXXX   and   XXXX   XXXX   sent the Mortgages to  XXXX .  XXXX  is now being sued in a  huge Class Action la wsuit for illegally raisin g the Lender-Placed Insurance to high levels suddenly. But it was Bank of America Home Loans that originally hired that Insurance Company , and  XXXX  was blamed for something they could not solve.   THIS COMPLAINT IS ABOUT AN EVEN WORSE PROBLEM WITH BANK OF AMERIC A HOME LOANS. Some of the original toxic Countrywide Mortgages were taken over by Bank of America Home Loans, and were NOT given to   XXXX   XXXX  . Bank of America DENIED the assistance offered by HUD and   XXXX   XXXX  , and in stead offered to " help people in trouble '' by themselves.   In thi s one sit uation, a  XXXX  Senior Citizen was having serious trouble making her monthly payments to Bank of America   Home Loans. She asked them for assistance and they offered what SEEMED TO BE a good arrangement, of Refinancing the existing loan, stretching out the payments to a maximum of 60 years, and reducing the Interest Rate to 2 % the first year, 3 % the second year, and 4 % for the rest of the Mortgage term. The homeowner agreed to those terms, and was visited by a Traveling Notary Public who rushed the homeowner to " sigh here, '' " sign here, '' etc. at a very rapid pace, through a mountain of Mortgage documents.
The Homeowner WAS NEVER TOLD that Bank of America Home Loans was going to ADD {$14000.00} TO THE LOAN PRINCIPAL in that " Refinance. '' The original loan was only {$35000.00}, the Homeowner had been paying that loan monthly for years, and NOW the Homeowner is NOW STUCK with a hugely high {$59000.00}   Mortgage amount. Pl
  us,
Bank of America also raised the Lender-Placed Insurance t  o a much higher level, just like in the current Lawsuit against  XXXX .   The  XXXX   Seor Citizen Homeowner i s living so far below the poverty level that she receives  XXXX   XXXX . And this person is me.   This investigation CAN NOT be delayed, because, even in this case as described above, the Homeowner is WRONGFULLY paying much more each month than she would have paid per month if Bank of Am erica Home Loans had not ILLEGALLY increased her Principal to almost DOUBLE what it was before the Refinance, and th is also is causing the Homeowner to NEVER be able to get to a time when she is paying more for the Principal than the Interest with her Monthly Payments.
Product: Credit reporting or other personal consumer reports

Today, I was deeply frustrated to discover unauthorized inquiries on my credit report, and I have no idea why theyre there. I check my report often, and this time I found discrepancies Ive never seen before. Even after refreshing my browser, the unauthorized entries persisted. I am requesting a detailed review of the documents I sent to prevent any future issues.
Product: Money transfer, virtual currency, or money service

Back in XXXX of XXXX, I sent XXXX to my landlord for rent, payment never arrived or was refunded. Bank advised there was nothing they could do
Product: Credit card or prepaid card

Someone opened an account with my name called milestone credit card info on XXXX. XXXX  was XXXX dollar limit they charged XXXX dollars acount.opened XX/XX/1922 22
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting a repossession on my Experian credit report and this is not true. I have asked XXXX XXXX to provide proof of a repossession and the only thing they send is payment history and none of it resulted in a repossession. So Experian is reporting inaccurate information and I have informed Experian of this on many occasions. Can you please help me get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has reported my payments are late to credit bearus. I had a few extension agreements due to XXXX. I was assured that it would mark my payment as current. That was 2018. Now XXXX is just not reporting correctly. Now it says my payments are late. I have a 30 day late on all credit bearus that was paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account was listed on a credit report I had obtained in XXXX of XXXX. The collection agency name is XXXX XXXX XXXX XXXX located in XXXX XXXX, Nevada. I sent a certified letter with return receipt to XXXX XXXX XXXX XXXX on XX/XX/XXXX which was received on XX/XX/XXXX asking for debt validation and the methods used to validate. 30-days passed, and I had not received a reply from XXXX XXXX XXXX I sent a second certified return receipt letter to XXXX XXXX XXXX XXXX on XX/XX/XXXX which was received on XX/XX/XXXX notifying them that I did not receive a reply within 30-days and to remove the collection account from my credit report. I also sent a certified letter with return receipt to Experian Credit Company on XX/XX/XXXX which was received on XX/XX/XXXX requesting this collection account from XXXX XXXX be removed. I received a letter from Experian Credit on XX/XX/XXXX indicating the collection account for XXXX XXXX XXXX XXXX has been verified however no method of verification was provided. I obtained an updated credit report from Experian on XX/XX/XXXX to confirm their decision. 

An additional 30-days passed, and I did not receive a reply from XXXX XXXX XXXX I obtained a new credit report from Experian on XX/XX/XXXX which continued to show a collection account from XXXX XXXX XXXX XXXX XXXX I then sent a third certified letter with return receipt on XX/XX/XXXX to XXXX XXXX XXXX XXXX which was received on XX/XX/XXXX indicating Ive not heard a reply yet and requesting a final good faith attempt to validate the debt or remove it from my credit report. I also sent a second certified letter with return receipt to Experian Credit on XX/XX/XXXX which was received on XX/XX/XXXX explaining that XXXX XXXX XXXX XXXX has not replied to my request nor have they updated my credit file to remove the unvalidated item. 

On XX/XX/XXXX I received a dispute result letter from Experian Credit once again stating the debt is validated without a method of validation being provided. 

I will be sending a final certified letter with return receipt to Experian Credit today XX/XX/XXXX indicating they have been given sufficient time to provide accurate debt validation methods and reminding them that XXXX XXXX XXXX XXXX has not responded to my numerous attempts to communicate for greater than 90-days. I will be including this CFPB complaint number as well and request the account be removed from my credit file immediately.
Product: Credit card or prepaid card

I've been trying to stop the employee 's of this company to stop committing fraud they are all thieves. Yes I'm 100 % sure if they are stealing from me they are doing it to others credit card account I called them 3 weeks ago to close and send me a new account number I speak to one of them I give them my account number 5 minutes later they give me a Different number they can't even be honest liar after liar they can manipulate and change forms papers lie and more. I paid most of my last account money and they added 3 times more debt on top of it instead of amount going lower it went higher how good questions to ask them.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of a late payment on my credit report. I have contacted the company regarding this late payment, and they have approved updating the account to " open/never late. '' The company has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. 

According to the Fair Credit Reporting Act, I am entitled to an accurate credit report XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax They are saying it had to be seven seven years from last payment Past Due both of these accounts are past due date XXXX and the balance are wrong. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I am the successor. PennyMac stated that the old borrower died. PennyMac has chosen to have a sale date instead of canceling the sale to allow me to undergo loss mitigation. PennyMac has also confused me with what it is requesting on the payoff. It is asking for fees it can't charge.
Product: Debt collection

I noticed that there was an account that it is not mine and I would like for it to be removed immediately. I sent certified mail below will be the slips. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX {$5200.00}
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts 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 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 or other personal consumer reports

Navy Federal continues to inaccurately report a car loan on my credit report for a completely different vehicle than the one I actually paid for with the loan. Not only that they report this loan on XXXX XXXX. Navy Federal also reports an unpaid credit card that due to identity theft had unauthorized usage which was communicated with NFCU. I am asking that Navy Federal remove these inaccurate information and statements from my credit file. Also Navy Federal has been given all documentation to verify my statements. Also Navy Federal needs to provide me with original loan documents for a XXXX XXXX XXXX VIN # XXXX mileage XXXX which was purchased from XXXX XXXX XXXX XXXX XXXX  XXXX, Minnesota XX/XX/XXXX for {$5500.00} on which was paid for on a loan and a check was drafted off of Navy Federal for {$5500.00}. I am attaching a loan document from Navy Federal which informs me that the loan was for a XXXX XXXX XXXX. I am asking for the same document for the XXXX XXXX. If Navy Federal cant provide it then both incorrect, false, misleading, and inaccurate reports must be deleted off my file and they must cease at once to continue reporting false information.