23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

ON XXXX XXXX, 2017 A FEMALE CALLED XXXX AND ASK FOR XXXX XXXX WHO IS MY SPOUSE. I ADVISED HER HE WASNT IN. AND I CAN ASSIST HER. SHE THEN WENT ON TO TELL ME HE OWE A DEBT AND THE AMOUNT WAS XXXX. I ADVISED THE COLLECTOR THAT THE AMOUNT WAS INCORRECT. SHE BEGAN TO GET LOUD AND CURSED ME AND SAID XXXX PAY YOUR BILL. SHE DID IDENTIFY HERSELF AS " XXXX ". THE NUMBER CAME UP AS A XXXX XXXX NUMBER WHICH WAS XXXX. I ADVISED HER NOT TO CALL MY PHONE BACK AND I CALLED HER A NAME. SHE THEN CALLED ME BACK AND SAID YOU ARE A XXXX AS WELL. I CALLED THE COMPANY XXXX XXXX IN XXXX AL. AND THEY GAVE ME THE NAME OF THE COMPANY WHO HAS THE ACCOUNT. PLAZA SERVICES XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX. GOT A GUY ON THE PHONE AFTER WAITING 25 MIN TO SPEAK WITH A SUPERVISOR. THIS WAS A VIOLATION OF FDCPA PRACTICES.
Product: Credit card or prepaid card

I scheduled a payment for my XXXX/XXXX  account to pay it on XX/XX/2022. On XX/XX/2022, I edited the payment and lowered it to {$400.00} as I realized that I would come up a little short between then and pay day, the online system allowed me to proceed and did not give me any errors or warninngs. 

On the XXXX, they put through BOTH PAYMENTS, even though one actually paid the account in full, so now my account is seriously over drawn. When I called XXXX about this they said they would have to 'mail me a check and it would take up to 15 days ''. 

So, now I have a seriously over drawn checking account, no money til pay day on XX/XX/XXXX and the casual disregard for the problems they have caused is the most infuriating thing. 

Thank you in advance for any assistance you can provide. 

XXXX XXXX
Product: Credit card or prepaid card

This credit card company calls me at least 10 Times a day from identified numbers as well as private numbers. They have contacted my relatives and revealed themselves as a creditor looking to settle a debt. I am now on a payment plan but I called to see why they would call a relative I rarely see and speak on an account that she is in now way associated with. I called the company and they answered every question but why they called and revealed my debt to my relative. It is illegal to tell anyone but me about my debt. They can call a relative legally only to inquire about how to get in contact with me but it is illegal to reveal they are attempting to collect a debt.
Product: Debt collection

Mercedes Benz Financial contacted me over numerous phone calls stating that I am 30-60 days late and they need payment so that it wouldn't negatively affect my credit report. When the representative told me that, I felt threatened and extortionate to pay. 
I felt that the company is in violation of 18 U.S. Code 894 - Collection of extensions of credit by extortionate means which states : ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the non repayment thereof, When talking to the Mercedes Benz Financial rep he told me that if I didn't pay they would put a delinquency remark on my credit report which was a way to extort me to pay and then a few days later they actually did punish me by submitting the delinquency remarks as late payments that is now negatively affecting my credit report and not allowing me to obtain credit. I also never gave them consent to furnish this negative information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax on-line, via phone and submitted a written complaint on a state of Kansas released and satisfied tax lien. most current case number is # XXXX dated XX/XX/2018. 
The lien has been satisfied, released and only Equifax continues to show the lien on my credit file. Both Transunion and Experian have removed all information related to the Kansas tax lien. 
I have contacted the state of Kansas - tax compliance department. They shared that Equifax is obtaining the information from XXXX and it is Equifax 's choice to use Lexis vs. the document they have provided showing satisfaction and release. 
The state of KS is stating it's satisfied and has released the lien and Equifax chooses to use a third party vendor and continue reporting it.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 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 or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the PURCHASE AGREEMENT to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me. 

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 am being charged 7 % interest on my XXXXyr mortgage and am in the process of trying to refinance my loan. To my surprise my credit score is low and when I researched the issue I found that Carrington Mortgage Services LLC has been reporting my mortgage as paid off in XXXX. My loan is open with an outstanding Principle balance of {$72000.00} as of XX/XX/XXXX, I have been making on time monthly payments of {$1400.00}. 

I have called several times and been transferred and dropped or asked to send a fax to which I never receive a response or action. 

I have tried to submit a complaint to Carrington by fax as instructed on XXXX and again on XXXX. I called to submit a complaint over the phone again on XX/XX/XXXX and was told by XXXX that they were actually showing my loan in Chap XXXX BK which is also incorrect. 

After further research she couldn't determine what was wrong or what to do so transferred me to her supervisor XXXX who also couldn't determine what was going on with my loan or how to correct it and refused to take my complaint over the phone. She directed me to send yet another fax to XXXX XXXX XXXX. 

I need help in determining exactly what status they have my loan and correcting my credit bureau history to reflect on-time monthly payments. 

Their incorrect credit reporting has kept me from refinancing my home and has forced me to continue to have an interest rate of 7 % which is way above current rate, I believe they should also be responsible for addressing the excess interest that I continue to have to pay and they continue to collect as profit
Product: Vehicle loan or lease

Global Lending- my car was totaledXX/XX/2024. You agreed and received money from XXXX insurance, you received my warranty money, you received the balanced which was owed you by my Gap insurance XXXX. I want this Repo removed from my credit report.
Product: Debt collection

On XXXX XXXX, 2017 I received a letter from National Credit System , Inc stating that the account with a balance of {$1300.00} is owed by me, I know of no such account and I owe no such amount. I 've tried to disputed the account with the collection agency to rectify this issue and they are still reporting this ridiculous information and damaging my credit on all 3 credit bureau. Apparently this is some sort of leasing agreement which I have no knowledge of or ever resided at. Along with that they sent me documents with a signature that is clearly not mine. This is not my dept and I will not be compelled and I refuse to send them any documents or identification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a data breach that my personal information was affected by. Equifax is aware of this issue. I've called and enlightened them about the information that was on my credit that was not my own. I was sent a {$5.00} check for my personal information being breached. Nothing else was done. The accounts which were opened on my credit are still there being counted against my credit score. I have been trying to settle certain accounts that i can afford to pay. Credit cards used but not paid of course. Other accounts opened but not paid. I do not have specifics in my presence at the moment as far as amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry on all of my personal consumer report from XXXX ( XXXX ) that I did not make or recognize, and would like to have it removed and report updated from Transunion, XXXX and XXXX credit bureaus.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries.

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 a 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 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: Checking or savings account

Chase closed my account due to my balance being low due to their monthly fee structure. I was not given prior notice and was not warned ahead of time. This is causing me problems with applying for credit cards across the board.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them from my file : XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit card or prepaid card

I do paperless banking with key bank. I monitor my accounts, including my buusiness credit card balance online and on the key bank app. 
I received a call yesterday that there is a 53 days late payment with payment of {$100.00} due. The balance on my online banking is showing XXXX balance, which i conveyed to the bank representative calling and asked that They not charge me late fees and withdraw any derogatory report to credit bureau. 
I made a full payment of {$600.00} to close the matter, but I asked for refund of all late fees considering that that balance was not visitble to me and is still not. 
The customer service declined to do so and could not see or access the accounts in question to verify. 
While I am now closing the credit card with key bank, I feel that they are not doing enough to rectify a problem that they are responsible for and not willing to withdraw any report to credit buearau.
Product: Mortgage

On XX/XX/2016 I started my refi with Citi Mortgage. It was to close by XX/XX/<YYYY> I uploaded all of the required documents to the Citi website on XX/XX/<YYYY> The appraisal was completed on XX/XX/2016. I contacted the processor at Citi on XX/XX/2016 to get the status and was told XXXX additional items were needed. I submitted the XXXX items on the same day. On XX/XX/2016 the refi still was not closed so I talked with Manager XXXX XXXX. He said he understood my frustration and would have the underwriter review my documents. Today is XX/XX/2016 and my refi is still not closed even though I was told the underwriter was reviewing it on XX/XX/2016. I talked to Manager XXXX today, XX/XX/2019, and he said he communicated with the Underwriter Manager to expedite my closing.
Product: Debt collection

On XX/XX/2021, I reached out to Midland Credit Management regarding a possible debt that may be owed to their company. It was listed on my credit report, so I decided to take action. I requested validation from Midland Credit Management on numerous occasions. I received letters that were nothing but a stall tactic in hopes that I won't continue to ask for validation. The letter that was received basically asked, " what I was disputing? '' I was not disputing the debt, I asked for validation. I sent another letter stating that I was aware of my rights regarding debt validation, and I was ignored again.
Product: Debt collection

I spoke to XXXX XXXX of brook wood loan who agreed to settle account in full for {$450.00}. After back and for communication, XXXX accepted payment and agreed to delete in totality from repository. 

Upon checking my XXXX, this account is still showing derogatory. 

I'd like to request that brookwood loans honor agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX XXXX XXXX Inquiry Date XX/XX/2021 ;
Product: Credit reporting, credit repair services, or other personal consumer reports

The purpose of this complaint is the let the CFPB know that XXXX and TransUnion have violated my right under FRCA and Fair credit and billing act. I have sent numerous letter by certified mail requesting full validation and the creditor right to collect on these XXXX accounts that I have no knowledge of the XXXX name accounts are XXXX XXXX XXXX Account number XXXX and XXXX XXXX XXXX Account number XXXX. Please ask the bureaus to send the requested info as I have the right to know under these two laws
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc . ) Due to inadequate customer service and unfair practices, wich violate the Consumer Financial Protective Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and adress fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolation process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and i seek appropriate redress for these violations.
Product: Mortgage

Greetings, Loan Simple Inc. is the mortgage lender that I use to refinance my home last XXXX, everything went well and the 1st payment was set up to be made onXX/XX/XXXX, but on XX/XX/XXXX I received a letter saying that my loan was transferred to XXXX and they will start collecting my payments on XX/XX/XXXX, accidentally I made the XX/XX/XXXX payment to XXXX instead of LoanSimple, after a few calls XXXX made me regarding this payment, I contacted XXXX to reverse that payment to LoanSimple, they agreed and sent a check to LoanSimple on XX/XX/XXXX, it looks like it was cashed on XX/XX/XXXX but LoanSimple keeps denying they have received this check and now they are sending me letters about foreclosing my house stating that I haven't made my mortgage payments, that my loan has never been transferred and that my house could be foreclosed if I don't make my mortgage payment. 

My XXXX # is XXXX XXXX loan # is XXXX Best regards XXXX XXXX XXXX
Product: Debt collection

I owed XXXX XXXX XXXX they sold my debt to a debt collector by the name of Amsher Collections and I paid them a Total of XXXX dollars because thats what they said I owed XXXX when I complained over it being on my credit for the wrong amount, Well XXXX   told me I only owed them XXXX so that I over paid So they were going to send me a debit card with a refund amount of XXXX they said they done that on the XXXX of this month however I woke up this morning and now Amsher collections just hit my credit again for XXXX this is rediculous I litteratly just paid almost XXXX worth of debt off my credit and they are acting as if I have not paid them an I have receipts an proof an emails from both charter an Amsher somthing needs to be done please
Product: Credit reporting or other personal consumer reports

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, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have rights 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. 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C. 1681s -2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

I am filing this complaint against XXXX regarding a cash advance loan that is reporting inaccurate payment history on my credit report. I have attempted to obtain accurate account details, but XXXX has not provided the necessary documentation. 

The following issues need to be addressed : Request for Documentation : I am requesting the following account-related documents to confirm the accuracy of my reported payment history : A copy of the original loan contract. 
A full payment history showing dates, amounts, and method of payment. 
All account statements from the loans origination to its closure. 


XXXX failure to provide these records violates my rights under the Fair Credit Reporting Act ( FCRA ) and may also indicate unfair or deceptive practices. I request CFPBs intervention to ensure that XXXX : Provides all requested documentation within a reasonable timeframe. 
Reviews and corrects any inaccuracies in my payment history. 
Communicates transparently regarding the reporting and handling of my loan data. 

I appreciate CFPBs assistance in ensuring XXXX complies with its obligations and provides the necessary documentation to resolve this issue.
Product: Student loan

Nelnet has been harassing me since XX/XX/XXXX. Recently when I told Nelnet over the phone that I was enacting my right for them to only communicate with me via XXXX Mail they began calling my adult son about my account. I am still a student and was on military XXXX from XXXX university.
Product: Debt collection

NorthStar Location Services , LLC has been contacting me nonstop. It 's for a debt they claim I owe from a credit card company. They did not validate the debt, they have called me when I sent a letter to tell them to stop, and they said that legal action will be involved. This is ridiculous. They are using illegal practices on me and it is unfair and unethical. This debt collection company has gone out of bounds and NEEDS TO BE INVESTIGATED ASAP! They ca n't prove I owe the debt, they ignored my letter that told them to not contact, email, mail, call, text me at anytime. All they can say is " we have no record of that ''. You do n't keep records because you are a unethical company. CFPB needs to investigate this company for debt collection practices. 

I have no money or assets for you to take from me. I do n't believe i owe this debt and I am tired of being harassed.
Product: Credit reporting

I really need help. Experian has posted fraudulent accounts on my credit report and they 're refusing to delete it. I 've contacted the local police department and reported the incident to them. They gave me an identity theft report and I submitted it to Experian. Experian did n't remove the accounts or the fraudulent addresses. I am at my wits end and I do n't know what to do. How can thief open accounts in my name and I am still held liable for this? I need the government to step in and do something about this. The accounts are XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a certified letter to XXXX, XXXX, and Equifax to dispute the negative information on my credit report due to identity theft. I also sent items verifying my identity I also sent items such as a police report, identity theft affidavit etc. to Dispute and Remove the Negative item. Neither company have provided me any proof of how the information was verified by law they have violated my consumer rights under the FDCPA there was no reasonable investigation. The Illinois States Attorney General will be contacted as well as the Better Business Bureau, Im in the process of suing the credit reporting agencies and Creditors especially me being a victim of identity theft none of these companies are investigating they have indeed violated my rights and now I must be compensated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be removed from my credit. 


1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft CB/NY & CO Account Number : XXXX This is not mine.