23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A letter was sent to Midland from me on XX/XX/XXXX requesting a host of information to support the claim of the debt. Midland did not provide me with any information. Instead, I received a summons for court. A letter was sent to the court the same day I sent Midland a letter requesting proof of debt. On XX/XX/XXXX I received the original and a copy of the " Stipulation of Dismissal with regard to the matter of Midland XXXX XXXX XXXX. The plaintiff " Midland '' requested to dismiss the case. I have provided a copy of the court documentation and the letter that was sent to Midlands.

Midland has reopened on my credit reports as recent as XXXX XXXX, XXXX and also stated that I have never disputed their claims of owing the debt. This is absolutely not the truth and is grounds for legal action for inaccurate information being reported, and numerous other things.
Product: Credit reporting or other personal consumer reports

Online Information Services ( Online Collection G ) is attempting to collect money from me and reporting it to my credit report. The debt is fraudulent. My identity was stolen and used against my knowledge and consent. I have fraud alerts on my credit and have also contacted the police about this debt. The company claims I owe {$3000.00}. I have no knowledge of the origins of this debt which this company is seeking to recover. The entire account is fraudulent. I my information was stolen in a data breach.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account name XXXXXXXX XXXX  Account number XXXX, has violated my rights. 

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 : Also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Debt collection

They are harrassing me at work and on my cell ph. keeps calling my company and asking for me. Very rude and trys to give them information about my loan to my coworkers
Product: Credit card or prepaid card

I received an email from Credit Karma saying I had good odds to be approved for a XXXX Credit card that would allow me to transfer balances with 0 % interest for XXXX months. I was hesitant but I already have XXXX XXXX card and have never been late and since it showed my odds were good I applied. I was denied and was told I would receive a letter in 7-10 business days. It was a hard inquiry on my credit report.
Product: Debt collection

To Whom It May Concern, I have recently pulled my credit report and noticed that their is a collection listing from your agency. This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it altogether. 

Please attach copies of the following documnets : -Agreement that you have authority to collect on this alleged debt. 
-Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
-Complete payment history on this account, to prove that the amount you wish to collect is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNTIL EXPERIAN CAN PROVIDE ME WITH A DOCUMENT PROVING THAT I GAVE BOTH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MY REQUEST TO RELEASE MY PERSONAL, PRIVATE, & NONPUBLIC MEDICAL INFORMATION TO YOU, EXPERIAN I DEMAND YOU DELETE THE FOLLOWING ACCOUNTS! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). 
I reserve the right to protect the privacy of my personal information and medical records from all third-party reporting agencies. 

Please send the above demanded information to my mailing address listed above. This letter is a demand for validation, and I demand FULL DOCUMENTATION containing all the information you received from the service provider of this alleged debt. 

Continuing to report this Medical Debt without properly validating and providing me PROOF OF PERMISSION is a violation of the FCRA ( Fair Credit Reporting Act ) You have 30 days to respond, or this debt will be considered invalid & removal of this debt will be furthermore required. 

Sincerely, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Payday loan, title loan, personal loan, or advance loan

On the month of XXXX XX/XX/2024 my landlord notified tenants that they had to make full rent payments by the XXXX of XX/XX/2024. We have been making partial payments previously. I called the VA homeless hotline to see if I could get funding. They stated that I have to received a Notice to Vacate from them to assist me. I received a call from a company I am familiar on the XXXX XX/XX/2024 and set up a meeting on the XXXX of XX/XX/2024. I took the loan offer to avoid eviction. The loan has high interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so puzzled about this situation. I have no idea what is going on over TRANSUNION. It's just creating additional emotional & physical distress on my part. I have a loan with the accounts below. The current status should not be showing late because I paid it on time. TRANSUNION Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately. 

XXXX BXXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Re: NOTICE OF METRO 2 NON-COMPLIANCE  DEMAND FOR IMMEDIATE 
REMEDIATION
Account: XXXX XXXX
This letter is a formal notice regarding severe inaccuracies and Metro 2 reporting violations
associated with the above-referenced account. Your agencys incorrect reporting of this account 
violates my rights under the Fair Credit Reporting Act (FCRA) and causes significant damage 
to my credit profile. Immediate correction is required to avoid further escalation.
Violations Identified for the XXXX Account
XXXX Incorrect Late Payment Reporting on a Closed Account
o The account shows 60-day late payments in both XXXX and XXXX 2024. Metro 2 
guidelines prohibit reporting new delinquencies on closed accounts.
2. Discrepancies in Last Activity Dates
o XXXX  lists the last activity as XX/XX/2024, while Experian reports it as 
XX/XX/2024, and XX/XX/XXXXreflects XX/XX/2024. This inconsistency directly violates 
611 of the FCRA, which mandates accurate and consistent reporting.
3. Failure to Align Payment History with Account Status
o The payment history indicates multiple late marks even after the account is 
marked paid and closed, which creates an inaccurate reflection of the account's 
standing.
4. Dispute Status Not Updated
o The account is incorrectly marked as "Account Not Disputed", despite previous 
efforts to correct the reporting. This non-compliance with 623 of the FCRA
demonstrates a failure to properly handle disputes and ensure accurate updates.
5. Conflicting Remarks and Status
o Remarks state, "Closed or paid account / XXXX XXXX, fixed rate," yet late 
payments continue to be reported post-closure, which is contradictory and noncompliant with Metro 2 formatting.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/year> I requested Equifax validate or verify that a collection listed on my report belongs to me, as I have no knowledge of the account. On XX/XX/year> I received a response from the debt collector via mail, and their response was a computer generated bill, with someone else 's name ( similar ) and an address that I don't recognize. Under FDCPA, FTC, and FCRA laws, this form of validating a debt with a computer generated bill, and nothing to actually indicate that this debt belongs to me, is not sufficient proof of validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX XXXX XXXX XXXX with a XXXX limit ... my due date always falls on the XXXX of each month ... on XX/XX/XXXX I paid my balance off which was XXXX dollars ... how ever I paid XXXX ... I notice my available balance became available but it was still saying I owed XXXX ... next 3 days still didnt update ... I called and ask whats the problem ... .It was told to me there system was updating ... .next 2 days no update ... I called again because it was saying I was delinquent and was given a late fee ... It was told to me there system is still updating and it will be corrected ... Next thing I checked my credit and they have reported I havent paid my credit card ... also its saying I used up 100 percent of my available credit ... which isnt true ... my credit has drop 100 points ... .which my credit was at a XXXX ... Ive contacted both the bank and credit agencies and they are refusing to fix it ... They have also falsified when I made my payment on my credit card and deposit ... need help in correcting this issue this is criminal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did Not Give Anyone Consent to Open any account All of these Account Is Fraud. this is crazy that someone Stole my Identity. how did they do this I don't know but this Needs to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified dispute letters to Transunion and XXXX on XX/XX/2020. I have not received any letters or any type of reply from either company. It has been much longer than 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove some items that are UNKNOWN to me. Im resubmitting a complaint to you today to inform you I was the victim of identity theft.

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

There were fraudulent charges on my checking account. They refuse to open the claim back up even though I provided proof that the charges were fraudulent charges. They were made in a foreign country in XXXX which i never been to by scammers Instead and XXXX is known to be scammer paradize, they just closed my account and did not refund the money withdrawn instead of fixing this. The bank also closed all of my accounts, even though, there was only one account with the fraudulent charges/issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two residential home loans with Wells Fargo Home Mortgage. Loan # XXXX which has now been converted to # XXXX and Loan # XXXX which has now been converted to # XXXX. 
Wells Fargo falsely reported derogatorily 5 late payments on my Credit Report for nearly 5 years! In XXXX, I began appealing in XXXX to Wells Fargo regarding this derogatory late payment reports to be removed from my credit reporting. In the letters attached from Wells Fargo representative XXXX XXXX, dated XX/XX/XXXX, representations were made that these derogatory remarks would be removed. 
Prior to this false late payment credit reporting by Wells Fargo, my FICO scores were in the low 800s and I had not had one single derogatory credit reporting in over 30 years! Since this false late payment credit reporting by Wells Fargo, my FICO scores have plummeted into the 600s! 
This false credit reporting by Wells Fargo caused me to be denied credit several times, be charged higher interest rates and I have been unable to refinance my home to a lower interest rate! 
XXXX XXXX XXXX XXXX XXXX Thursday, XX/XX/XXXX A federal judge has refused to throw out a lawsuit by borrowers who claim that their banks wrongfully notified credit reporting agencies that thousands of home owners had gone through bankruptcies or foreclosures. The judge said that Wells Fargo and XXXX will have to face accusations in court from borrowers who accuse the banks of allegedly providing inaccurate information to a credit reporting agency and jeopardizing consumers ' ability to get new loans. A spokesman for XXXX denied the allegations, and a spokesman for Wells Fargo had not yet responded to media calls for comment. The lawsuit, filed by borrowers, alleges reporting inaccuracies to credit-reporting agency XXXX  after borrowers sold their homes in a short sale. A group of mortgage customers from XXXX and Wells Fargo are accusing the banks of failing to report the transactions as short sales to XXXX  but instead reporting them as foreclosures or bankruptcies. They also allege in the lawsuit that the banks failed to correct the reports when they were disputed and that the inaccurate reporting greatly impacted borrowers ' credit scores. XXXX  was also named as a defendant in the lawsuit, accused by borrowers of failing to properly investigate when borrowers complained. 
Source : XXXX, Wells Lose Bid to End Lawsuit Over Credit Reports, XXXX ( XXXX, XXXX, XXXX
Product: Mortgage

In XX/XX/XXXX, I sought a payoff amount for my HELICO loan. Specialized Loan Servicing ( SLS ) provided a figure of {$52000.00}, which incorporated additional days of interest. I promptly transferred the specified funds on XX/XX/XXXX, in accordance with their directives to their designated lock box. SLS acknowledged this payment on the same day, resulting in an overpayment, as reflected in my account, amounting to {$470.00}. By XX/XX/XXXX, my statement indicated that there was no outstanding principal balance, a status that persisted into the XX/XX/XXXX statement. 

Subsequently, on XX/XX/XXXX, I formally reached out to SLS with a request to terminate my HELICO account. In compliance with their protocol, I furnished them with a signed letter, delivered via fax. However, upon their receipt of this closure request, SLS took the inexplicable step of nullifying the principal payment I had made on XX/XX/XXXX. Instead, they reprocessed the payment and imposed an interest of 11 % for the months of XXXX and XXXX on the previously cleared principal sum of {$51000.00}. This recalculated interest totaled {$920.00}. 

This adjustment not only meant that the company retained the aforementioned overpayment of {$470.00} but also culminated in an additional payment demand of {$450.00} for account closure. I have since paid the additional {$450.00} amount because they identified it as a requirement on my XX/XX/XXXX statement and identified it as past due. 

SLS 's rationale for this reversal remains unclear. Their justification rests on the premise that I did not initiate the account 's closure in XXXX. However, I was under no obligation to terminate the account in that month. It is my understanding that a XXXX principal balance negates the possibility of further interest charges. 

I have made four separate attempts to rectify this situation with SLS via phone. Each conversation concludes with an assurance of a follow-up investigation, yet no subsequent communication is ever initiated on their part. My subsequent calls invariably begin anew with a different representative. Furthermore, my efforts to elevate the matter to higher management have been thwarted, as I am consistently redirected to their initial point of contactthe help deskwhose personnel, I suspect, may lack a comprehensive grasp of banking and interest procedures. 

I have attached copies of my monthly statements starting in XXXX to XX/XX/XXXX for your review. The XXXX statement clearly shows the {$52000.00} payment being applied on XX/XX/XXXX. The XXXX statement clearly shows them reversing a {$51000.00} payment on XX/XX/XXXX and immediately reapplying this payment, but charging me interest for the prior two months.
Product: Credit card or prepaid card

Hello, I am writing to file a complaint against Discover credit card company.

I have been a Discover card member holder since at least XXXX, XXXX. My account has always been in good standing with Discover over the years. Just recently, on XX/XX/XXXX, I made a payment of {$8000.00} on my account.

In recent weeks, my family and I have been negatively impacted by COVID-19 like all Americans have. During this time of uncertainty, it was peace of mind knowing that we had some available credit for emergencies ( grocery, doctor visits etc. ). Suddenly, Discover decided to run a check resulting in my credit line being lowered significantly from {$11000.00} to {$7900.00}. This leaves me with {$200.00} available credit and this has also negatively impacted my credit score and reports across the board. 

It is so unprofessional to be taking this kind of action during this crisis. XXXX, my credit score may have taken a short-term 'hit ' due to the circumstances we are currently in, but just like everything else, it will bounce back once we recover. In the meantime, I ask at the very LEAST to not lower my available credit leaving my family with hardly any safety net. It is a scary and shocking action that was taken. I spent 30 minutes on the phone with a Discover CS agent on Monday, XX/XX/XXXX. She was unable to revert the change and sited a contractual agreement. I am certain that my 'contractual agreement ' does not include a worldwide crisis and how customers should be treated during this time. 

Thank you for your time, Concerned customer
Product: Credit card or prepaid card

My account XXXX has been put on hold, i submitted billing statement for my store card and then i got this email " Thank you for your response. We have reviewed the information you provided but we were unable to verify your payment based on your response. " I legit even gave the statement, yet they want me to give again, so i did give again, then i got this " Thank you for your response. We reviewed the information you provided but we were unable to verify your identity because the document provided was illegible/unclear. Your account is still temporarily on hold. " Now they say it's illegible, it was so clear not unclear so i gave id this time Guess what you gave me back " After a review of your details, we have determined it is necessary to close your Amazon.com account. Any pending orders have been canceled. '' makes 0 sense, atleast give a reason Also i am not even the first person with this issue, check reviews, + i know people who have gave eevrything they have and you amazon, keep saying nonsense about visa and XXXX XXXX not being able to be valid, when you can clearly see they have a store card by their BIN number, like it is clear, XXXX is XXXX XXXX, and XXXX is visa, and XXXX IS AMAZON STORE CARD, quite pathetic that i am not the first person, and a company like this is broken in their team Thank you all i got ta say is fix up your team Have a great day hope it gets off hold : ) Because it didn't i complained with XXXX  but amazon closed it with no reason, even after giving my proof
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXXXXXX Balance Owed : {$3700.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX Balance Owed : {$0.00} XXXX - XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I wanted to submit an application for XXXX 's Credit Card using the link XXXX XXXX XXXX and when I saw the terms and conditions at https : //apply.syf.com/cs/groups/public/documents/et_tcdoc/e048003.pdf, I could not find the 'Annual Fee ' amount listed anywhere. 

I sent XXXX an email on XX/XX/XXXX with the content as " Annual Fee clause is missing in the Rates and Fees table and the Terms and Conditions page too. Please add the same ''. 

I got a reply as " The XXXX Credit Card is administered by Synchrony Bank. '' I felt the service was very subpar and unsatisfactory. Kindly intervene and have them include the Annual Fee rates in the terms and conditions please.
Product: Credit reporting or other personal consumer reports

Debt Validation Letter for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Re : Account Number : XXXX XXXX of Debt : $ XXXXDate of Debt : XX/XX/XXXX Dear XXXX XXXX, I am writing to request validation of the above-referenced debt. I do not acknowledge this debt and would like to see validation under the FDCPA. 
Please provide : 1. The name and address of the original creditor.

2. A detailed statement of how the amount was calculated.

3. Any agreements or contracts I allegedly signed.

4. Proof of your authority to collect debts in my state. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of late payments on my credit report, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Specifically, under 15 USC 1666 ( b ) and 15 USC 1681a ( 2 ) ( A ) ( i ), which address the accurate reporting of credit information and the responsibilities of furnishers, the discrepancies in my credit report need to be addressed.

Despite my previous communications and requests for correction, neither bureau has responded to my dispute or updated my credit report to accurately reflect the status of the accounts in question. The incorrect reporting of late payments and the failure to classify accounts correctly as either open or closed is in clear violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has blocked me from using my account. I have been on the phone with them for at least four hours over the last two weeks they said there was a problem with my account because of my signing in was not correct they have sent me a new password resets but nothing works they are just impossible to deal with They refuse to cancel my account which means I keep paying every month
Product: Credit reporting or other personal consumer reports

I have found fraudulent inquiries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX