23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Midwest Recovery Systems placed a collection on my credit report. No validation process was followed. No information Was provided regarding what the debt was for. I researched and verified a fraudulent pay day loan was made in XXXX of XXXX. The debt was from a fraudulent XXXX XXXX XXXX  loan. I filed a Identity theft report and police report for several fraudulent accounts opened in XXXX due to my information Being leaked in a XXXX email data breach. No XXXX of XXXX Midwest recovery systems Files a fraudulent collection that is over 7 years old and does not have any certified documentation verifying I requested a loan with XXXX XXXX XXXX. I expect this fraudulent debt to be removed and no further reporting made for a fraudulent debt from over 7 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is mistakenly reporting a collection on my credit. My heath insurance would have covered my cost at any XXXX locations. Also, I was never notified about such bill. Had ai been, I would never let a {$300.00} bill ruin my credit. Please delete.
Product: Mortgage

We have a VA loan through Veteran 's United. At the time of closing, XX/XX/XXXX, they were made aware that we were exempt from paying real estate taxes due to my husband being XXXX XXXX  XXXX. I forwarded a copy of our exemption letter from the county in XX/XX/XXXX. They explained to us that they would still need to collect money for taxes until they could verify this with the county,  they only verification they would accept was a tax bill, which would come in early XXXX. In XXXX, our tax bill came showing that we only owe {$12.00} for storm water and {$0.00} for taxes. In XXXX, the representative at Veterans United stated that issue would be resolved soon. I called again at the end of XXXX because I had not revived any correspondence from them. 
Today is XX/XX/XXXX. This issue still has not been resolved. When I log into my on-line account, it still shows that our Mortgage payment is {$1700.00}. Today, I spoke with a representative who stated that we will once again need to pay the full amount for XXXX, even though they now have the paperwork stating that we do not owe any taxes. Our escrow account is currently at {$2100.00}. The representative told me today that we would still need to pay over {$100.00} a month for escrow. Our insurance payment is {$400.00} per year. When asked why they would collect over {$1200.00} a year to make a {$400.00} payment he was unable to give an answer. He added that we would get an overage check sometime in XXXX but was unable to tell me an amount or date. I have called and asked about the escrow account on several occasions and am always told that someone " will look into it and call back ''. I am never given a straight answer about the account or the money owed back to us. At closing we were also charged prepaid taxes in the amount of {$480.00}, for XXXX and XX/XX/XXXX, which they knew of our exemption at that time also. When I asked about this money, I was told they knew nothing about it. I am deeply concerned about their treatment of veterans and the financial practices at Veteran 's United and would like this looked into.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company was notified with notarized documents pertaining to the information that is was incorrect and to be removed under 15 usc 1692b ( 3 ) The term creditor is defined under 15 usc 1692a as any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.

Defamation is defined under 28 U.S. Code 4101 ( 1 ) : The term defamation means any action or other proceeding for defamation, libel, slander, or similar claim alleging that forms of speech are false, have caused damage to reputation or emotional distress, have presented any person in a false light, or have resulted in criticism, dishonor, or condemnation of any person.

15 U.S. Code 1692d ( 1 ) : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 

XXXX XXXX received an affidavit and is in default of charges as they have failed to rebut the affidavit line by line as required by law. 


The third maxim of Commercial Law states in commerce, truth is sovereign.

The fourth maxim of Commercial Law states truth is expressed in the form of an affidavit The fifth maxim of Commercial Law states that an unrebutted affidavit stands as truth The sixth maxim of Commercial Law states that an unrebutted affidavit becomes judgment in commerce. The tenth maxim of Commercial Law states that a lien or claim can be satisfied only through ( a ) rebuttal by
counteraffidavit point by point ; ( b ) resolution by a jury; or ( c ) payment or performance of the claim.

Chase bank has failed to meet the requirements to a legal claim of a debt owed as well as to rebut the affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Product: Credit reporting or other personal consumer reports

In according with the fair Credit Reporting Act XXXX Account : 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 the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furbish an account without my written instructions.
Product: Credit card

My Capital One XXXX XXXX Credit Card was arbitrarily closed about a month ago without my knowledge. Upon finally realizing this was the case, only from an alert on a credit reporting website that the revolving line was closed, I contacted Capital One. They asked that my most recent payment clear before I make any attempt to reopen the account. This was about a week ago, near the end of XX/XX/year>. Now that I called back today, XX/XX/year>, at about XXXX XXXX EST, I was told in a canned response by an overseas agent that there is no option to reopen my account. No reasoning was provided, no option to escalate to a supervisor or somebody with further privileges or information was allowed, and no answer was given for why they were refusing to allow me to redeem my credit card miles despite being well below the 90 day grace period required under New York State law. I only wanted an honest discussion with someone to suggest, perhaps, an appeal option should the account be brought current in full, the credit limit reduced, or any other number of compromises to keep it open. It has been negatively effected by returned payments due to a checking account being arbitrarily closed, but I have never been in default on the account, nor missed a payment between cycles. 

If I can't get a real human who refuses to do anything but read what is on their computer screen, and they are illegally seizing my miles, what option do I have other than seeking legal action? I don't want to do this, but this is a shockingly human-free " customer service '' experience that is unbecoming of an honest business relationship, especially for a premium card. 

How do I speak with someone who has some authority and honest answers about how we can repair our business relationship, or at the very least, let me bow out of gracefully with the credit I have a legal claim to?
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 placed a security freeze on all 3 credit bureaus as I was a victim of identity theft. No one is supposed to be pulling my credit report or extending lines of credit without calling my first and no such thing has occurred. The only inquires on my report that are valid are the ones coming from XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX XXXX  All other inquiries were unauthorized and I have reached out to the credit bureaus to investigate but have received no help on the matter.
Product: Credit card

According to the other amount ask for the amount on my report doesn't have the accurate amount on it. Also I am unaware if I pay the new amount due, I am unaware if once it's paid that the report would be clear of that delinquency.
Product: Debt collection

credit collection services is trying to collect a debt that I don't owe them, I've never been in any business with this company, not even sure they are authorized to collect debt in this state. They purchase the debt from XXXX which over charge me for services they did not provide to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Account XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, anXXXX XXXX XXXX XXXX  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 : It also states a consumer reporting agency c
an not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX Has violated continuously the 1970 FCRA. This is the law that has been violated : 15 USC 1681 2 ( i ) : report containing information solely as a transaction experience between the consumer and the person making the report By definition consumer report is ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

This is the definition of person : a human being regarded as an individual. 

This is illegal and XXXX need to comply with the law Account : XXXX XXXX XXXX Account Number:XXXX XXXX Is this Law it's very clear and until such law changes it is expected to be followed!
Product: Credit card

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history. Please rectify this error promptly and ensure that my account reflects the fact that I have always been punctual with my payments.
Product: Debt collection

Good Morning, I am submitting a claim against IC Systems collection agency and there effort to collect on an account that is current and not past due. This company has been trying to get me to pay on my cell account that I still have to this day sating that XXXX told them this account is closed and past due. This morning I went online and saved the statement and it has a credit and nothing owed. Please also IC Systems has put a derogatory collection account on my credit reports that has damaged my credit and needs to be removed immediately
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer -provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Inaccurate Reporting of Child Support Payments Dear CFPB, I am writing to formally submit a complaint regarding the inaccurate reporting of my child support payments to the credit bureaus. I have recently discovered that my child support obligations, which were granted in XXXX Mayrland, have been inaccurately reported as delinquent due to nonpayment. However, I wish to clarify the circumstances surrounding this situation : 1. **Relocation** : Both my childs mother and I have relocated. I no longer reside in the state where the child support order was originally granted, and neither does she. Employment income has changed as well since 2019. 2. **Amendment Process** : We are currently in the process of amending the child support order to reflect our new circumstances in Georgia. This amendment is expected to lower the child support payment amount. 3. **Inaccurate Amounts** : The amounts reported to the credit bureaus do not reflect the current situation and are, therefore, inaccurate. Since the order is being amended, the reported payments do not account for my current financial situation and should not be considered delinquent. Given these facts, I request that the CFPB investigate this matter and assist in correcting the inaccurate reporting of my child support payments. I have also contacted the relevant child support enforcement agency to discuss the situation, but I believe it is essential to address this issue with the credit bureaus as well. Thank you for your assistance. Sincerely, Make sure to attach any relevant documentation that supports your case, such as proof of relocation, communication with the child support office, or any notices regarding the amendments. 


XXXX
Product: Credit reporting, credit repair services, 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. 


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 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 : 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: Credit card

I was a victim of identity theft/fraud. Without my knowledge, all of my accounts were compromised at some point. By the time it was brought to my attention the damage was done and the account was sold. I reached out to XXXX, XXXX XXXX XXXX , XXXX and provided the sufficient documentation they needed in order to conduct their investigation. their investigation has been completed and they stated that I 'm no longer responsible for this debt due to fraud and has deleted this account from my credit report. They also advised me to reach out to XXXX to have them remove this account as well so I did and the only advice i receive is that they no longer own the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

FOIA of 1974 15 USC 6802 XXXX XXXX and Trans Union are in violation of my rights by allowing my personal information to be used without my consent as the consumer
Product: Debt collection

Halsted Financial Services has violated Section 392.307 of The Texas Finance Code and Section 1066.26 of The Code of Federal Regulations by attempting to collect on a Time-Barred Debt. Ive received correspondences from Halsted Financial Services and XXXX XXXX XXXX XXXX both collecting on the same debt at the same time which is impractical. Neither debt collector disclosed that both accounts were Timed Barred Debt. Failure to disclose a Time-Barred Debt is a direct violation under Section 392.307 ( c ) ( e ) of The Texas Finance Code. I have filed an additional complaint with The Office of The Attorney General to further disclose Halsted Financial Services business practice. 

Account # XXXX Account # XXXX
Product: Checking or savings account

I had $ XXXX deposited into my account by the us government which were my 1st 2 stimulus checks ... .i didnt have a debit card so i transferred XXXX to my sister-in-law to withdraw so i could pay my rent. XXXX immediately put a hold on that transfer so my sister-in-law refunded it and we tried again. Same result. Except now paypal froze my account. Now im being told i have to wait 180 days for money the united states government acreditted me for EMERGENCY FUNDING due to the covid pandemic. Due to paypals stunt i am now homeless, penniless, and carless. I dont want to wait 180 days for my money when i have done nothing wrong. I want to be able to use my money immediately
Product: Debt collection

THE ISSUE WAS RESOLVED BY THE VIRGINIA CRIMINAL INJURIES COMPENSATION FUND TEL:XXXX
Product: Credit reporting or other personal consumer reports

This information is not mine, it does not belong to me and I do not want it in my report. 

XXXXXXXX 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 have came to notice numerous attempts for credit with my name and information fraudulently without my permission or authorization. I 've demanded these applications get cancelled immediately as they were not submitted by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the Credit reporting agencies after noticing that they were reporting a XXXXXXXX XXXX XXXX item on my credit report and they hung up on me after I asked if they validated the information with the original creditor. I spoke with the XXXXXXXX XXXX XXXXXXXX and they stated that they do not provide information to credit reporting agencies which is stated on their website as well. Per the FCRA the information is not validate so they must remove the information from the consumer credit file. Public records information is NEVER validated by the Recorder of Deeds nor the XXXX XXXX XXXX system due to the XXXX XXXX XXXX XXXX PRIVACY LAW.
Product: Checking or savings account

In XX/XX/year> I stayed at a hotel for {$560.00} dollars. I disputed the charge because we left the hotel early and the service was not as described. At first the dispute was perfectly fine and went through. Then the bank allowed them to charge me an additional XXXX. Even though they said they blocked this company from charging my card. 
So I then have to have an investigation opened on how to fix this. Chime, the bank I went through did absolutely no investigation and then decided to close my account in XX/XX/year>. Over a month of no bank account. Calling daily to get things fixed. So they close my account and provide absolutely no information why or anything. Then, months go by and I have no refund and no information. Then all of a sudden I see a check in the mail for {$560.00}. Titled chime debit refund. Now I am no longer allowed to have an account with said bank and I had to basically swipe my credit card to death because of this unresolved issue. This bank needs to be investigated for doing this to people. In no world should someone have to wait from end of XXXX all the way to XXXX of the next year for a refund or solution. Absolutely ridiculous.
Product: Debt collection

XXXX XXXX XXXX tried to charge my insurance provider for a procedure that was never performed of which my insurance company refused to pay. 

Because my insurance provider refused to pay, XXXX XXXX XXXX tried billing me for the procedure, after I wouldn't pay, they sent it to a collection company. 

On more than one occasion I've tried to get XXXX XXXX XXXX to prove that this procedure was performed, and they were unable to do this. 

I have contacted AWA Collections to settle this matter but was unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collections account on my credit report that I do not recognize and did notauthorize. I am a victim of identity theft. Below is the account in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
ACCOUNT NUMBER : XXXX COLLECTION OPENED : XX/XX/XXXX I also have 25 inquiries I did not authorize or make : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX 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 name is XXXX XXXX XXXX XXXX and this This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00}