23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

While checking my credit reports I noticed a collection from Midwest Recovery Syestems. This is not my debt and I have n't heard from Midwest at all concerning this unverified debt. This violation of my rights has caused stress and damage to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is still reporting on my credit report even after 30 days that I have request validation. On XX/XX/2019, I have sent them another request for validation. I have not received anything from them with 30 days. On XX/XX/2109 I have sen them a nonresponse letter. 

So Their President XXXX XXXX Sent me a letter stating that " We are no longer bound to respond to your demands for validation Since has been met by us. Our debt Validation of debt meets the standards imposed upon us by the Fair Debt Collection Practices Act ( FDCPA ) ''. 

I also have the right to request for Validation Under The Fair Debt Collection Practices Act ( FDCPA ). They have not provided me what I have asked for and they're in violation for not responding within the 30 days I ask for validation. I have sent them with I have is Certified Mail Receipts. 

XXXX XXXX also stated that " Your letter dated XX/XX/2019, has been received and forwarded to me to my office for review and response ''. He also mentions the first request of validation I have requested but not the second on XX/XX/2019. All they sent me was an invoice. No HIPPA release form, No contract that I have to pay them. Nothing with my signature. So I have sent them another letter requesting validation. I also sent them letter that stated " I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation ... '' I have made a complaint they have not responded within the 30 days before to the and this is what they stated : " ... He wrote us again on XX/XX/2019, and demanded that we mail him a whole bunch of other things, none of which we are required by debt collection laws to comply with. Then he wrote another letter dated XX/XX/2019, demanding again that we mail a validation of debt ... '' They are lying. I have not written them a letter on XX/XX/2019 demanding validation. I am requesting for validation and I have done so on XX/XX/2019 and for XX/XX/2019 was to 30 days nonresponse letter. 

The whole bunch of other things I ask for was the same for the first validation I sent them. 

Here is what I have asked for Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : To provide proof I have sent an attachment to show along with the Certified Mail Receipts. 

( XXXX ) XX/XX/2019 Tracking Number XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX
Product: Payday loan, title loan, or personal loan

My payment is not due until next billing cycle as evidenced by the screen shots included but they are saying my bill is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT 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 sold a townhouse and purchased a condominium on XX/XX/XXXX. Only the condominium was financed through XXXX XXXX XXXX Mortgage. 

In XX/XX/XXXX XXXX XXXX  XXXX Mortgage erroneously paid property taxes on the townhouse I had previously owned. This put my escrow account in the negative. It appears that they didn't figure this out until XX/XX/XXXX. Since then I've been charged penalties, late fees and received certified letters threatening 'additional action '. 

I have called customer service about 24 times to discuss this. As the arrearage was not due to an error on my part, I disputed their assertion that I needed to pay for their error.

I've talked to actual customer service personnel ( in the Escrow department ) a dozen times and have been promised a resolution by their specified date each time. 

They have currently fixed the underlying issue about their error paying property taxes for property I do not own, but not the effects of that error. As you can imagine, my Credit Scores have fallen 150-200 points. I called 'customer service ' again today because their online system now says that my loan balance is {$0.00}. I'm blocked from viewing any details because of the status of my account. Customer service didn't answer but I was given the option for them to call me back within 15 minutes. It's been an hour and they have not responded.

I'm sending them an Error Resolution Notice under 12 C.F.R. 1024.35 via certified mail today but I have little faith that they will correct the error.
Product: Credit reporting

I try to get information from XXXX to prove that I left to XXXX before hand, but the company was not cooperative.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts I have made to correct an account opening date on my credit report with XXXX Credit Bureaus. The incorrect accounts opening date has resulted in inaccurate reporting that has negatively impacted my credit score. I first reported the issue and have subsequently made attempts to resolve the issue, providing the necessary supporting evidence and documentation to support my claim. I believe that a prompt correction of this late-open account is essential to ensure the accuracy of my credit report. I kindly request a thorough and immediate investigation into this matter to correct the reported accounts opening date. I expect that Credit Bureaus values accuracy and fairness in its credit reporting practices and is committed to ensuring the integrity of my credit report. I would appreciate a prompt response to this complaint. I am asking for your immediate assistance to correct the accounts immediately : XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$2400.00}.
Product: Money transfer, virtual currency, or money service

This compliant is created by XXXX XXXX XXXX, which is a furniture retailer/company in XXXX XXXX XXXX In late XX/XX/XXXX, XXXX made XXXX payments to their manufacturer XXXX XXXX XXXX XXXX XXXX which bank account is with HSBC XXXX. The amounts were XXXX paid on XXXX XXXX, XXXX and XXXX paid on XXXX XXXX, XXXX. 

It has been more than one month that these XXXX payments have still been holding by HSBC Bank USA and not released to XXXX XXXX XXXX yet. As required by HSBC USA, XXXX provided related documents to proceed a security check for these XXXX payments on XXXX XXXX and XXXX XXXX separately, and then never heard back from HSBC USA ever since. Although XXXX has been sending update requests to HSBC USA for numerous times in last month.
Product: Vehicle loan or lease

I am a victim of fraud and Identity theft. The dealership and agent ( XXXX XXXX XXXX XXXX XXXX ) who financed the loan took advantage of my Identity Theft issue putting me into a Predatory Loan, by falsifying documents and committed Bank fraud when my application was submitted. Violating 15 U.S. Code XXXX. Advertising of down payments and installments. No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. 
They sold my old vehicle which had equity and taking down payment cost. The agent sold my identity, put me into financial hardship, and pocketed some of the Down payment cost that should have went towards the value of the vehicle. The agent was later fired because of his unlawful practices. I tried talking to the bank and dealership about this situation but keep getting the " run-around ''. 

Someone had supposed to had called me and discussed other repayment options, and never responded back. Instead, my car was put into repossession status, and charged off for the Original Loan Balance. it also appears non of the payments made towards the loan went towards my principal amount and the Original Loan balance still remains after making payments for nearly two years now, as I try to negotiate other options with the lender.
Product: Checking or savings account

I went into the Chase bank at XXXX XXXX branch XXXX IL in XX/XX/XXXX and spoke with a banker and showed the receipt of my CD I opened in XX/XX/XXXX, for XXXX XXXX. The banker stated they did not have a record of the account being opened or closed even with me showing the receipt from the bank with all the information printed. 

The banker informed me to call the 800 number of Chase corp and the individual stated the same information that he stated. Then I called the number they provided to make a complaint and received the forms from your business.
Product: Credit reporting or other personal consumer reports

I am writing to lodge a formal complaint regarding the persistent appearance of fraudulent and inaccurate items on my credit report which are needs to be removed by the credit bureaus. Despite my previous attempts to rectify these issues, they continue to adversely affect my creditworthiness and financial standing. The fraudulent and inaccurate items in question include : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NV XXXX - My credit report still displays an inaccurate address, namely [ Incorrect Address ], which is not associated with me and has never been my place of residence. I have previously disputed this issue. XXXX XXXX Balance Owed : {$3400.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$9200.00} - There are an accounts on my credit report, XXXX, XXXX which has been incorrectly listed as a charge-off. This accounts are not in charge-off status, and I have never allowed it to reach such a status. XXXX XX/XX/2022- I have identified an unauthorized inquiry from XX/XX/2022. I did not provide any authorization or consent for this inquiry, and it should not be included in my credit report. I have made numerous attempts to address these issues by filing disputes, providing supporting documentation, and following the procedures outlined in the Fair Credit Reporting Act ( FCRA ). Despite my diligent efforts, the fraudulent and inaccurate items persist on my credit report, causing unwarranted harm to my financial profile. 

I kindly request that you prioritize and thoroughly investigate these ongoing disputes to rectify the inaccuracies promptly. As stipulated by the FCRA, you are required to investigate and resolve disputes within 30 days. Therefore, I urge you to adhere to this timeline and provide me with an updated credit report that accurately reflects my financial history. 

Furthermore, please ensure that any fraudulent or unauthorized inquiries are removed from my credit report, and take appropriate measures to prevent any future unauthorized inquiries.
Product: Checking or savings account

On XX/XX/XXXX I made a deposit of {$2400.00} of a XXXX check and on XX/XX/XXXX the money taken out from my account on XX/XX/XXXX. XXXX XXXX the maker of the XXXX check, says the check was paid On XXXX XXXX and Bank of America says they gave it back to XXXX for the last XXXX months I have been asking proof from bank of america that they gave XXXX the funds back because i showed them that XXXX says the check for {$2400.00} was paid and showed proof of it. My bank is Bank of america and they are saying they cant provide proof that they gave the money back to XXXX. XXXX has provided proof that the check was cashed and Bank of america is saying they dont have the money. Im attaching the bank statement showing bank of america withdrew from my account {$2400.00} dollars from my account and all I want is for Bank of America show proof of why they withdrew the {$2400.00} on XXXX XXXX and where they sent those funds back to. I have had over XXXX calls with Bank of America since XX/XX/XXXX until Today XX/XX/XXXX and nobody can help me to clarify the withdraw they paid on XX/XX/XXXX. I have attached the withdraw in question on my bank statement and the refer to maker that bank of america sent and the print out from XXXX stating that check has been negotiated. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019 I applied and was approved by XXXX XXXX XXXX XXXX for a Car Loan at the best available interest rate. 

On XX/XX/XXXX, I recieve my Equifax credit score from XXXX stating my Equifax Credit Score is XXXX. 

I ran all 3 credit reports before and prior to my loan and it appears as the following : Equifax = XXXX XXXX =XXXX XXXX XXXX Although it did not affect this loan, I am not pleased at the inaccurate information. Over 40 pts. 

Why do I even bother working on my credit score when these agencies go with an arbitrary number. 

This is not right and misleading. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 


XXXX XXXX XXXX XXXXXXXX {$10000.00XXXX XXXX XXXX {$7900.00} XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

Ive recently reviewed my credit report and noticed an account that was not reporting accurately, i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates ( XXXX XX/XX/year>, XX/XX/year>, transuion XX/XX/year>, XX/XX/year> ) I'm now requesting you investigate and provide veriflable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Mortgage

My property tax of XXXX check was returned back to my mortgage company, due to being approved for XXXX. I called them on this issue, therefore sending them a copy of the exempt letter from the courthouse in XXXX XXXX and proof of the returned checked that was cleared by their company on XX/XX/XXXX. I ask them could they give me a time frame or update when they would forward the check back to me and rework my mortgage payments. All I being getting is excuses and no results. Today date is XX/XX/XXXX, this is unbelievable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your help to REMOVE some accounts from my credit file that occurred because of a FRAUD yet I have certain accounts passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence : 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: Bank account or service

On XXXX XXXX 2016, I visited Chase Bank to make a withdrawal of {$500.00} from my checking account, when I got into the bank, the ATM machine I used was reading out of service. I was elated when it became available for use as I was at the top of the line and the first customer to use it. I keyed in {$500.00} and requested large bills, I received XXXX 's. I again keyed in {$500.00} and requested large bills and again I received XXXX 's. I them proceeded to keyed in {$400.00} to which I received a receipt which indicated that my transaction was denied. 
I then checked my account and realized I was debited twice for {$500.00}, once for {$400.00} and also credited for {$400.00}. ( the {$400.00} transactions were subsequently washed ). I made a call to Chase Bank about the ATM transactions and to report and file a claim, I was told by the representative that I will be credited {$800.00} in XXXX hrs. I made a call on Saturday XXXX XXXX because the refund was not processed, I was told that it takes XXXX hrs however because it is a holiday weekend the proceeds with be posted to my account on the next business day which is Tuesday XXXX XXXX. On the XXXX of XXXX my account was credited for {$400.00} only. I made a call to Chase Bank about the other {$400.00} which should have also be credited and was told that the ATM is showing that the cash was dispensed and this is the final look, if want to take it further I can file a police report. After feeling so dejected and out of pocket as I had no money to finance my monthly expenses. I went to visit the branch to see if there was anything that can be done for me, I was told that just what I did is exactly the same procedure they must follow, as the branch do not service the ATM, it is done by their back office personnel. On XXXX XXXX the amount of {$400.00} previously credited to my account was reversed. I made a call on XXXX XXXX in regards to the reversal and was told that my claim has been closed however it will be reopened this time as per my request in order that their personnel can investigate, the investigation will take 3-5 days. I made a call XXXX XXXX to inquire as to the status of my claim and was told my claim has been closed there is nothing more that Chase Bank can do for me. Please note that I have been a customer of this Bank for 8 years and never encountered a problem such as this. Now that I have I am treated with scant respect. I need Chase Bank to return my money I am requesting a full refund of {$800.00} to my account. As a result of this error I was placed in an uncomfortable position of borrowing money from my friends in order to finance my monthly obligations.
Product: Checking or savings account

On XX/XX/2022 received a letter from bank that they were closing my business account at Chase bank. 
this has been an issue with the bank, no communication and all of the sudden my bank account is/will be closed. with many vendors and clients already with this account is difficult. I am sure. this complaint will not make any difference, but just want to put it in writing since, I feel discriminated and mistreated because of my color and race. 

No description of why they decided to closed accounts. 
just a brief note saying there was unexpected activity on the account. 

They pick and choose on how they want to serve, but they received funds from federal reserved. I am asking for help on this matter. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX  chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX their call if you have questions number is XXXX
Product: Checking or savings account

I continue to receive statements by postal mail or other papers by mail but thought from my calling to close my account recently by phone with a representative that they said my account would be closed per my request?!! 

simply put there bank did not fit my financial interests. I decided to bank locally.
Product: Debt collection

XXXX charged me for streaming on a device they said would be comparable to Clears device for internet. I called sprint to continue service for internet when XXXX went out of business. The person said they would send me a device comparable to the device that XXXX had. I was also referred to XXXX after XXXX went out of business. They told me that this device would be the same as XXXX device. They even told me they would charge then same as XXXX. After a few months of being charged {$60.00} a month the device I was using said I was streaming or what ever and said I used the device for something else and changed me XXXX one month. I told them on the date I got the bill I had not used it any other way than as internet and it was supposed to be used for said amount of XXXX. I told them I could not pay more than {$60.00} and they said I had ran up the bill for that month of {$300.00}. They said they would not change and I stopped using the device. I switch to XXXX because a XXXX employee said the device was not the same as XXXX. They in turn have me as owing them as ridiculous amount of {$300.00}. They even have me being called by said collection agency.
Product: Debt collection

On XX/XX/2023 I made a complaint and requested specific detailed information such as the wet signature contract and methods of payment to prove that this is not my debt and I still HAVE NOT RECEIVED them. 
I have reached out to this company several times to let them know that these accounts are the result of identity theft. My request have continued to be ignored over 8 months now.The documents that were attached to this complaint by them prove that these accounts are fraudulent. My name is incorrect as well as the address, there is no wet signature or any form of evidence proving this belongs to me besides the fact that someone used my personal information. If this company has done a thorough investigation as they say they have then please provide that evidence because right now I dont see anything legitimate that makes this debt mine. I have never had an account with XXXX.I demand that these accounts be closed and disassociated from my name and removed from my credit reports or I will be forced to take a more serious legal action Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/2018 started receiving calls from Profit Services Group. stating I owed a debt on a recorded line. I informed them, I do not want to be record. That request was ignored and the call continued without consent and I said nothing. The person on the phone threatened me with credit harm. 
On the very next day received the same phone call. I informed them I do not discuss my personal business via phone, please submit in writing to my address you have on file. No more communication via by phone. And the company refused to adhered. 

The next day received another call with threat of ruining my credit. Again I stated I do not want to be record. They still recorded the conversation. They faxed over some information and it stated I had 90 days to dispute the debit. 

I immediately disputed the date. Now the debit is on my credit and my score has dropped XXXX points because of them. I have denied credit because of their neglect.