23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have never done business with Midwest Recovery System. I do not have a signed contract with Midwest Recovery System. I did not receive any notice before Midwest Recovery System inserted a debt in the amount of {$240.00} in which they claim I owe. Due to these factors Midwest Recovery needs to remove this debt from my credit reports immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding inaccuracies that appear on my credit report regarding XXXX XXXX accounts. These errors are negatively impacting my credit profile, and I request an immediate investigation. Below are the details of the discrepancies : Account XXXX : XXXX ( Account # XXXX ) TransUnion XXXX the account as open, with a high balance of {$5500.00} and a current balance of {$5700.00}, last reported on XX/XX/XXXX. 

XXXX reports the account with the same high balance but lists a different opening date ( XX/XX/XXXX vs. XX/XX/XXXX in TransUnion ). 

The account has been marked as disputed, yet I was not properly notified of the resolution or any supporting documentation provided. 

Discrepancies in Account Information : Payment status, account remarks, and balance reporting inconsistencies. 

Account XXXX : XXXX ( Account # XXXX ) TransUnion reports a high balance of {$18000.00} with a current balance of {$19000.00}, last reported on XX/XX/XXXX. 

XXXX reports the same high balance but lists an opening date of XX/XX/XXXX vs. XX/XX/XXXX in TransUnion. 

Similar to the first account, there is a dispute notation without any clear resolution provided to me. 

Inconsistent Reporting : Differences in payment amounts, dispute status, and account remarks require deletions. 

Under the Fair Credit Reporting Act ( FCRA ), I request that EdFinancial and the credit reporting agencies delete these accounts due to unfair, inaccurate, and incomplete discrepancies, I request their immediate deletion from my credit report. 


Enclosure : Copies of my credit reports ( highlighting errors )
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. 

Account name : XXXX XXXX XXXX - Account # 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't 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Number called my cell phone the number was XXXX, they said i had outstanding debt, which i do not, they said i could pay this debt online, i went to XXXX and the first page comes up with a description of what accepting yes means. Problems is before clicking yes, you are given no information on the debt how much of the debt or what type of debt it is. They are asking me to take ownership of debit which is not mine, this is so wrong on so many levels. Check it out. go to the site and put in your full phone number and zip code and i bet you have the same debt as well.
Product: Credit reporting or other personal consumer reports

I am officially asking you to review your data on file for me! As per the Fair Credit Reporting Act ( FCRA ) section 611 and Metro 2 compliance standards, I challenge all inaccuracies of reporting. My profile shall be accurate, authentic, complete and with timely verification by you of each piece within my credit report so that we can document how well they are being kept up-to date.The information in my credit report and below is not accurate. It was never proven to be factual or compliant with reporting laws by any means, so I'm going through the process of correcting this oversight permanently! The time has come for consumers to take back their right of access. I am demanding that factually accurate, verified and compliant data be documented on my credit report so it can accurately reflect me as a person with good standing in society! I also require the permanent removal of any inaccuracies immediately! I am deeply concerned about accuracy, so please take care when checking your work.The way you present your information about me is important. I demand that all inquiries within my credit profile have a permissible purpose and be accurately sourced, so we can stay on top of any potential issues before they become problematic to my future.
Product: Mortgage

The mortgagee, Mr. Cooper, filed fraudulent 3rd party claims to my property insurer, which resulted in my insurance company cancelling my policy. They also reported to my insurance company that my property is vacant- which is veritably untrue. 


Mr. Cooper XXXX XXXX  XXXX XXXX, Ohio XXXX
Product: Vehicle loan or lease

I signed a lease with XXXX XXXX XXXX to lease a XXXX Challenger through XXXX XXXX on XX/XX/XXXX they were going to purchase my XXXX challenger from XXXX XXXX  who held my current lease. I provided the dealer with my payoff from XXXX and they did not do their due diligence and constructed the lease contract with the number I provided. I took delivery of the car on XX/XX/XXXX and then a few days later they called me asking to return the car because XXXX is charging them a completely different buyout then what was on my lease payoff and on XX/XX/XXXX the dealer called XXXX XXXX and they are now unwinding the lease agreement which is forcing me to bring the car back. The payment we agreed on was XXXX a month which they are no longer honoring and forcing me to return vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal statement : checking my credit for a store card application I realize that there were accounts in my credit that are not mine. These accounts were opened without my knowledge, also back in XX/XX/2020 my debit card and my XXXX XXXX credit car account were clone and illegal charges were placed in these accounts, I called the banks and XXXX XXXX. They proceeded to cancel these cards numbers an reissued new cards. Please note these for future issues, Thank you. 









I need the removal of these accouts from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On XXXX XXXX, 2017 at approximately XXXX XXXX I did the following : 1 ) Called Customer Service to place a Stop Payment on a check. They informed me that they could not place a Stop Payment. 2 ) I called the XXXX branch during business hours and was told that " I had to come in '' to place the Stop Payment. 3 ) I informed them that I was in downtown XXXX XXXX and could not get back before closing. 4 ) I have since contacted the branch where I opened the account. I informed them that I had no Online Access to " Stopping the check. '' Pacific Western should not offer checks since they have " no support for check writing and having to go into the bank when there are only 3 branches in all of California. '' People can not physically get there. And 5 ) I had tried to dispute this with another branch but they refused to assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently called Transunion about inquiries on my report. For the past few years I have been dealing with several issues after ALL of my information was stolen out of my wallet. Periodically I check on my reports just to make sure things are good. When I called today, I spoke with FOUR different " customer service reps '' who did not speak the greatest English and let them know I had things I didn ; t apply for showing. Each one including a supposed supervisor XXXX, told me almost verbatim " an inquiry is a statement of fact that a creditor pulled your credit file with a permissible purpose allowed by law and can not be removed ''. Well by the 4th representative I was livid. I XXXX  this permissible purpose jargon they kept rattling off and while the last rep XXXX  was going through the whole spill again, I read her what it says that they, the consumer agency need MY written permission to put anything on my report and to somebody they have reason to BELIEVE is going to use it to open a account get a job or insurance. They confirmed for me there is no open accounts! I even have notation on Transunion that I am to be contacted before any thing is opened. I'm telling you that none of that took place and their response is we'll call the companies to see if it did?! How is some company going to tell you I did something when I just told you I did not! These calls had me so livid. I filed my complaint with my attorney general and recorded their calls to forward for my legal representation. The 1st rep told me he didn't even see any inquiries which was a LIE because I was logged in looking at them and he was just trying to get me off the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that I am a victim of identity theft. I have recently discovered that several accounts have been opened in my name without my knowledge or consent. These accounts include : A. ) XXXX XXXX Account was opened with my name fraudulently in California XXXX XX/XX/XXXX with a XXXX  of {$36000.00}. I didnt notice until about XXXX of XXXX when I received a call from the XXXX police department. 

B. ) XXXX XXXX - Account was opened with my name fraudulently in California on XX/XX/XXXX with a XXXX  of {$930.00}. Ive tried disputing before, XXXX has unfairly denied as I am not sure who has opened this account. My identity has been compromised, and I have currently already filed for a new license and Socials Security Card. 

XXXX ) XXXX XXXX XXXX XXXX  XXXX - Account was opened with my name fraudulently in California on XX/XX/XXXX with a XXXX  of {$630.00}. Ive also tried disputing before, XXXX XXXX XXXX  has unfairly denied as I am not sure who has opened this account. My identity has been compromised, and I have currently already filed for a new license and Socials Security Card. 

XXXX ) XXXX XXXX XXXX  - Account was opened with my name fraudulently in California on XX/XX/XXXX with a XXXX  of {$1000.00}. Ive also tried disputing before, XXXX XXXX XXXX  has unfairly denied as I am not sure who has opened this account. My identity has been compromised, and I have currently already filed for a new license and Socials Security Card. 

XXXX ) XXXX XXXX XXXX - Account was opened with my name fraudulently in California on XX/XX/XXXX with a XXXX  of {$550.00}. Ive also tried disputing before, XXXX XXXX XXXX  has unfairly denied as I am not sure who has opened this account. My identity has been compromised, and I have currently already filed for a new license and Socials Security Card. 

I did not open these accounts and have not authorized any transactions on them. I have not received any correspondence or statements from these accounts, and I was only made aware of their existence when I checked my credit report. 

Furthermore, I have also learned that my driver 's license and social security card have been compromised. I have taken the necessary steps to report this to the relevant authorities and am in the process of obtaining new identification documents. 

I would like to request that you immediately close these accounts and take any necessary steps to prevent further unauthorized activity. I would also appreciate it if you could provide me with a copy of any fraudulent transactions that have occurred on these accounts. 

I would be grateful if you could also inform me of any additional steps I need to take to protect myself and my credit in the future. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Lenders listed above are not handling my dispute in a fair and timely manner.
Product: Debt collection

When I was younger a man approached me and forced me to cash checks for him. It was XXXX separate checks at XXXX separate XXXX XXXX XXXX locations. I told the bank what happened and whoever I spoke to told me that the fact that I was physically forced to cash the checks did not matter. I found that hard to believe and decided that I would not pay it because it in fact was a result of the actions previously mentioned. I also tried to file a police report of the incident at the time but because I had no information as to who the man was, the police could do nothing.
Product: Checking or savings account

On the evening of XX/XX/year> I opened a checking account online with Bank of America that advertised a {$300.00} bonus if {$2000.00} was deposited into the account within the first 90 days. 

On XX/XX/year> I transferred {$500.00} into the account. 

On XX/XX/year> I tried to log in to my account and was unable to. 

The morning of XX/XX/year> I called Bank of America to ask why my account was closed, and they told me I needed to go to a branch to verify my identity. I immediately went to my local branch who were unable to assist me ( they had to schedule an appointment for me with a teller, as I was unable to schedule an appointment myself online because you have to log in to schedule an appointment ). 

On XX/XX/year> at XXXX, I arrived at my scheduled appointment, during which she called the Bank of America fraud department XXXX They told us that I couldn't access the account because it was closed, and that my funds would be mailed to me as a check within 7-14 business days. She told me I would need to open a new account, but this account would not be eligible for the {$300.00} bonus. 

I declined to open a new account, as I didn't appreciate being enticed into opening an account with a {$300.00} bonus, only for it to be a bait and switch and becoming ineligible for the bonus after wasting hours of time trying to figure out why I couldn't access my account. 

I inquired about why my initial account was closed, and she told me it was because I didn't call the fraud department to verify my identification within 5 business days of opening my account. I was never notified that I needed to do this - and I lost access to my account 3 business days after opening it and called about why I couldn't access my account 4 business days after opening my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2023. XXXX XXXX reported late payment on my credit report and after thorough investigation, the company found out they made an error reporting late payment to XXXX credit bureaus. This account was never late.
Product: Credit reporting or other personal consumer reports

I have printed out my credit report that still shows inaccurate information with Equifax which includes several different accounts.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a fraudulent account on my credit report that I did not authorize or consent to. Upon reviewing my credit report, I discovered the following unauthorized accounts : 1. Account Name : XXXX XXXX XXXX Account Number : XXXX  Date Opened : XXXX XXXX Outstanding Balance : {$1800.00} I want to emphasize that I did not open or authorize any of these accounts. I am a victim of identity theft, and I request that these fraudulent accounts be removed from my credit report immediately. 
Also there is an account that should no longer be reported on my account based on Title 15 U.S. Code 1681c ( a ) ( 4 ) 1. 
- Account Name : XXXX XXXX - Account Number : XXXX  - Date Opened : XX/XX/year> - Outstanding Balance : {$0.00} Additionally, I would like to bring to your attention that your bureau is in violation of the Fair Credit Reporting Act ( FCRA ) laws, specifically : - Title 15 U.S. Code. 1681b - Title 15 U.S. Code 1681c-1 - Title 15 U.S.C 1681c-2 - Title 15 U.S. Code 1601 - Title 15 U.S Code 1692c Title 15 U.S. Code 1681b states that you as the credit reporting agency does not have the right to report anything on my credit report without proof of written consent that I opened the account. I previously disputed these accounts and asked for proof of verification which you did not provide. I never gave any written consent to the fraudulent accounts stated above and therefore you are in violation of this code & must remove these accounts from my credit history. Title 15 U.S.C 1681c-1 of the Fair Credit Reporting act specifically states that without my written consent I am absolutely a victim of identity theft. Based on Title 15 U.S. Code 1681c-2 of the Fair Credit Reporting act, if your company is notified by the consumer about inaccurate info on their credit report due to identity theft ( which I have notified you of ), you must remove these inaccurate accounts from my credit report because once again I never gave any one my consent on the accounts I have listed above. Also, Title 15 U.S. Code 1601 protects consumers against unfair and inaccurate credit billing & card practices which you have violated by allowing these fraudulent accounts to continue to report on my account after no written proof of consent has been received from the creditor and sent from your bureau. Lastly, Title 15 U.S. Code 1681c ( a ) ( 4 ) states that no account should be reported after 7 years. Which this account should be removed from my credit profile immediately. I urge you to investigate this matter promptly and take appropriate action to rectify the inaccuracies on my credit report. Please provide me with written confirmation once the investigation is complete and the fraudulent accounts have been removed. Thank you for your attention to this matter.
Product: Bank account or service

Reference Account : USAA SECURE CHECKING # XXXX XXXX/XXXX/2015 I spoke with XXXX, one of your reps, We spoke about the recent fraud that was being investigated on my account. Unfortunately the experience was one of the worst I 'd ever had. I was treated like I had committed a crime, I was accused, badgered, importuned, plagued, and also harassed. I 'm sure he knew he was speaking to an XXXX XXXX, by my tone. His actions were unprofessional, unsympathetic, and unprincipled, His discriminatory presentation has prompted be to make a complaint with the FDIC. I 'm a victim in this situation, and this situation has caused me to very agitated, My life was stolen. I called the bank, a well-known organization to establish the status of the case and was treated like I was from XXXX!!
Product: Debt collection

XXXX is attempting to collect a debt for XXXX. This debt is not mine and being reported as a derogatory mark on my credit report. XXXX is currently still sending me catalogs stating I have been approved for credit. I do n't understand why they would do this if they say I owe them money.
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 XXXX : Account Number : XXXX Account Name : XXXX  XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my 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 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: Mortgage

On XXXX XXXX our mortgage company added an escrow fee of {$64.00} for insurance. I contacted our mortgage company in XXXX when I realized the mistake & was told I would need to speak with the insurance department XXXX XXXX XXXX XXXX department switched me back to customer service. In XXXX I contacted the customer service department again & they put me in contact with XXXX XXXX who is the Customer Service XXXX XXXX, we began email corresponding on XXXX XXXX. XXXX told me that our mortgage loan was recently changed to the XXXX office from the New Jersey office for servicing. XXXX began researching & found that the New Jersey office had added an insurance policy to our mortgage for XX/XX/XXXX thru XX/XX/XXXX because they did not have proof of our insurance at that time. I sent her a copy of our insurance information for the dates that they were saying we did not have insurance proving we did in fact have insurance at that time. XXXX & I have had corresponded via email since XX/XX/XXXX & she has stated that she is working on the issue. When I spoke with her over the phone she told me that the problem was that the XXXX office needs to get the refund from the New Jersey office before they can do the refund to me. In the mean time my mortgage has had an escrow fee of {$64.00} per month since XX/XX/XXXX when I have always had homeowners insurance for the life of the loan. I am tired of not getting any results or refund of the money that I have paid for something that I paid for before. XXXX has stopped responding to my emails & not answering her phone.