23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Called company Aldridge Pite Haan LLP on XX/XX/2021 @ XXXX Eastern Daylight Time to make payment or further arrangement and still received no response via letter as requested after discussion promise of response being sent written in the mail. Company needs to follow up on this as I called today ( XX/XX/2021 @ XXXX EDT and the representative continued to press me to disclose the phone number after XXXX XXXX XXXX XXXX agreed to send requests and correspondences via mail. Representative continually put me on hold and then eventually hung up after 15 minutes of being on hold. Company supervision needs to reach out to me as they have promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX 's XXXX, XXXX, XXXX, XXXX XXXX XXXX Account # xxxxxxxxxxxxxxxx XXXX, XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX  XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX. XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 's 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX and XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX. Please delete these accounts immediately.
Product: Mortgage

My husband XXXX XXXX XXXX recently awarded from as XXXX XXXX XXXX XXXX. what that means that we're no longer paying property tax. We have contacted our mortgage company '' Mr. Cooper ''. Spoke to many different representative. First one rep was nice told us they will get contact the tax office and will get it taking care. That did not happened. I called back XX/XX/XXXX date might be wrong, because we have called them multiple times. and everyone we spoke to give us different story. Long story we have provided proof to requested the mortgage company to stop the paying property tax. they said it's only {$250.00} exempt. I even the give them the person at tax officer Mr. XXXX XXXX XXXX XXXX XXXX XXXX. He is the one that approved the property tax effective date XX/XX/XXXX. As I said all this including the letter from MR. XXXX. I have faxed to Mr. Cooper fax # XXXX XXXX on XX/XX/XXXX. 
When I called XX/XX/XXXX spoke to someone, again I have explained all over again. They promised us that they will get in touch with tax office have it resolve. Now today XX/XX/XXXX when I called to Mr. Cooper Mortgage, nothing was done, again they told us that we have to contact the office again. We contact the tax office, they sent us the letter proof of our property tax exempt. The Mr. Cooper Mortgage refused to listen to us and give us a run around while we continue paying for property tax that we should not have. We want MR. Cooper return all money plus interested and finance charges, late fees and return to us.
Product: Bank account or service

On XX/XX/XXXX, a merchant presented an electronic funds transfer ( EFT ) charge to withdraw money from my checking account using my debit card number. This charge was presented without my knowledge or consent and was not accompanied by a signature or PIN input. 

The amount of the withdrawal ( {$1600.00} ) exceeded the amount in my account. In spite of this, bank personnel put the charge through causing my account to be overdrawn. SunTrust offers overdraft protection but I elected to decline this service, preferring that SunTrust decline any transaction for which funds are insufficient. This agreement has been on record in my customer profile since XX/XX/XXXX. 

I incurred overdraft fees and authorized charges were declined. A few days later, the entire balance in my savings account was taken without my knowledge or consent to partially cover the overdraft. Subsequently, a {$500.00} credit in my charge card account was taken as well. Later, when it was time to renew my charge card, SunTrust declined to renew the charge account even though the account had a positive balance from the day it was taken out. I have been attempting to regain my charge card ever since, most recently when my XX/XX/XXXX application was declined on XX/XX/XXXX. I have been told that this may be due to " overdrafts '' showing on my account. The only overdrafts on this account were due to the fraudulent withdrawal on XX/XX/XXXX. SunTrust was notified in a timely fashion of this incident and, per bank procedure, a notarized affidavit was submitted to SunTrust fraud department on XX/XX/XXXX. 

The only party acting irresponsibly in this affair is SunTrust Bank. I am asking them to reinstate my charge card and to expunge any negative credit information referable to this incident. Thus far, SunTrust has been unwilling to do either.
Product: Credit reporting or other personal consumer reports

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

On XXXX XXXX, 2017 Deville MGMT reported a debt on my credit report in the amount of {$2400.00} and stating the original creditor was XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Equifax regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1 Name : My current legal name is : XXXX XXXX, but it is listed incorrectly on my credit report. I request that my name be updated to reflect the correct information. 

2 Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX, but my credit report shows an outdated address. I request that my current address be updated accordingly. 

3 Contact Information : My main contact number is XXXX :. I would like this number to be updated. 
4 5 Date of Birth : XX/XX/year> ( XX/XX/year> ) 6 Employer : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license A copy of my Social Security A recent utility bill
Product: Checking or savings account

I have a chase bank account, and they have blocked my account and debit card. 

I called numerous times and they are unable to verify me by my name, social secruity number, and Driver lciencse number. They always say I am not in their system I always get the message when logging in to provide my SSN but they always reject me!
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report XXXX separate fraudulent accounts that appear on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agencies bureaus : XXXX, TransUnion, and XXXX ) : What happened ( Fraud please remove ) : Consumer Name : ( XXXX XXXX XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened a XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 
I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this XXXX complaint from my consumer credit file within 4 business days of receiving said complaint. 
I request that all written confirmation regarding this CFPB complaint be sent to me via email t the email address ( XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX has place 3 collection accounts on my report without my permission. The accounts in question from Midland Credit Management have not been verified. I have not received any information from Midland Credit that I have requested to verify the loan. They only sent me their statement. Once I received the statement, I told them that they did not verify the account as I asked for the following. 
1 ) The name and address of the original creditor.

2 ) The amount of the alleged debt.

3 ) An itemized statement of the alleged debt.

4 ) Purchase agreement of the debt.

5 ) Insurance Claim of the debt.

6 ) The CMI with the original creditor.

7 ) Proof that you are authorized to collect this debt on behalf of the current creditor.

8 ) Verification that this debt is within the statute of limitations.

I have not received anything after 4 months as they can't provide any information. They then placed the records on my credit report which have not been verified and show a past due amount, the date is wrong and the account shows open, which is a violation of my rights.
Product: Credit reporting or other personal consumer reports

This is my second time writing to file a formal complaint regarding a CHARGEOFF/COLLECTION account labeled " XXXX XXXX XXXX ( Balance {$12000.00} ), XXXX XXXX ( Balance of {$7900.00} ), XXXX XXXXXXXX ( Balance of {$6000.00} ), XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXX/XX/XXXXXX/XX/XXXX
Product: Credit reporting

I have contacted Equifax on XXXX XXXX, 2016 and XXXX XXXX, 2016 asking them to remove this unknown account from my credit file that do not belong to me. To date, Equifax has not remove this account or provided me more information about this account. I am in need of your assistance of getting this account remove from my credit file.
Product: Credit reporting or other personal consumer reports

I'm making a claim on Lexington XXXX I used their company twice. Back in XXXX and XXXX And I didn't receive any type of credit help over a year I was just charged then again in XXXX I believe.
Product: Credit card or prepaid card

To whom it may concern back in XXXX XXXX XXXX I applied for a self lender credit card I linked my bank account to the credit card so I may make payments though I am making payments I never received the card yet they are still charging me for the card I made a late payment in it affecting my credit score by XXXX points Ive contacted self on several occasions but I still have not received a new card although I explain to them the situation. This is very concerning to me because I made multiple attempts to solve this issue I told them that I never received the first card they said they would send another one and I still never received that one yet they still are taking payments from me and if I dont make the payments its going to negatively affect my credit score.How can I make a late payment for something that I never received why am I even being penalized for a late payment for a product I never received
Product: Credit reporting or other personal consumer reports

I have been disputing with Experian as well as the others but mainly Experian. I reported identity theft to them and they are asking me to pay for services to help protect my credit file and lock it, in which I should not have to as a victim of identity theft. They also do not prioerly investigate they will email me days later emails that give the run around instead of doing their jobs. I reported identity theft as well as provided the necessary documents to them. Sometimes they wouldnt even submit the dispute would say its because I have disputed it in the past. Its obviously as reason if Im disputing it again because no proof was provided nor a proper investigation and because im a victim of identity theft this needs to be taken seriously and handled immediately. The FCRA requires credit bureaus to block reporting of information in your credit file that you allege resulted from an identity theft, within four business days after your notification to the credit bureau. It has been more than 4 business days and nothing has been blocked only emails sent about it and emails sent about their job in the dispute process as well as everytime I log in Im on a page asking for my credit or debit card information to pay and upgrade credit services.
Product: Debt collection

Hello, to whom it my concern my name is XXXX XXXX XXXX consumer ). I am A federally protected consumer ; I would like to thank you for the opportunity to address my concerns regarding third parties Midland Credit Management Inc ( mcm ) ( Debt collector ) Charged Off by XXXX XXXX XXXX XXXX XXXX XXXX My account Original Account Number is XXXX or XXXX. MCM has infringed upon my rights to privacy under the Fair debt Reporting Act 15 U.S.C. 1692 ( a ) I ( consumer ) Have notice MCM was furnishing allegation of an alleged debt for {$590.00} to the consumer reporting agency without the prior consent. I would like to ask how my location information was gotten, and who provided you consent to communicate with I ( consumer ) This debt collector was not given prior consent from me to communicate with me in connection with the collection of any debt, which I would like MCM to provide me my writing consent of such action. If request can not be provided this will be direct violation of 15 U.S. Code 1692c ( a ). During the initial communication debt collector was not confirming location information instead they have accused me ( consumer ) of alleged debt which is under federal violation of 15 usc 1692b ( 1 ) ( 2 ) MCM has harassed me to coerce payment on a debt, they have advertised to me which has ruin my reputation. Is a violation of 15 usc 1692d ( 4 ) This MCM ( Debt collector ) has use deceptive and unfair mean to collect debt from me not permitted by law is a violation of 15 usc 1692f ( 1 ) I have disputed the validated of this debt to MCM ( debt collector ) which they have removed off my consumer report. I the original creditor im requesting Actual and statutory damages brought by Defendant Midland Credit Management Inc For violating the FAIR DEBT COLLECTION PRACTICE ACT, 15 U.S.C 1692 et seq Which prohibits debt collectors from engaging in abusive, deceptive, and unfair debt collection practices This is a violation of 15 usc 1692g ( 5 ) .I request All further collection efforts against I ( XXXX ) with regard to the accounts, any negative credit reporting be removed of any database. in addition, to the damages I'm requesting XXXX XXXX XXXX  ( XXXX ) to settle. If this offer is not accepted, my next step will be taking this case to legal proceeding to litigation.
Product: Debt collection

This Account popped up on my credit, but I did not apply for this account. This account is an identity theft Account and it needs to be resolved thank you.
Product: Vehicle loan or lease

In XX/XX/XXXX, My vehicle was repossessed by Consumer Portfolio Services ( CPS ). Upon contact with CPS, I was told the vehicle had been repossessed and more information would follow as a result of the repossession. Until the day I have yet to receive any information concerning the car or the amount the vehicle was sold for/invoice. Furthermore, it is Virginia law I be supplied with the invoice as well as the Date and location the vehicle would be sold. After reviewing my credit report, I saw that the company provided an ending balance of {$5600.00}. How is this possible? How am I suppose to know this is correct? Furthermore when I reviewed the account several payments were not posted correctly to the principle balance. I have enclosed the document from my credit report to show the issues with CPS.  If you review XXXX to XXXX a payment was made with no late fees incorporated yet the balance remained the same. I examined the other reports an all reflect the same issue. If you review XXXX I paid XXXX and yet my principle balance was only credited with {$610.00} Even I was paying the loan at 23 % there is no way the balance should only move XXXX dollars. The same thing happens from XXXX and XXXX, XX/XX/XXXX and over the course of the loan this company did not post my balance correctly on my credit reports.
Product: Credit reporting or other personal consumer reports

I have no knowledge of XXXX Funding, I have no contract with them, nor do i even live in the same state this company is located. My first knowledge of this company came when they surprised me by placing two collection accounts, XXXX unknown account for {$390.00}, and another unknown account number XXXX, for {$1300.00}, on my experian, XXXX XXXX XXXX credit report. 

These are allegedly charged off accounts, purchased by this debt buyer, but being reported with late payment histories, which doesnt even make sense. None of the information is even accurate, reporting different date of last payments, or in the case of experian, no date of last payment even recorded. All violations. 

I've had no contact prior to this. I was never sent any notice of debt, by phone, or mail. Or given any time to dispute. violation. 

I disputed the account with all XXXX bureaus, multiple times, and after notifying the credit bureaus about the multiple violations committed by XXXX, they continued to report the account, and failed to update the status to in dispute within the 30 day timeframe. another violation. 

After continuing to dispute this unknown company and the negative marks on my credit report, I challenged XXXX XXXX to validate the debt, they did not provide such documentation. Which makes sense, since why would a company who cant provide validation of this scam debt, follow FCRA Regulations. This is another violation. Instead of removing the scam accounts, they doubled down, and just closed them. I thought that was the end of it, but today XX/XX/XXXX, they reopened the account on my credit reports. with the " original '' dates for the account opening they claimed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to Republic Finance , LLC asking for validation of their inquiry made to my personal credit profile on XX/XX/XXXX. Republic Finance , LLC has failed to provide me with the appropriate verification that they had my personal authorization for this inquiry. Instead they state that someone called on the phone and authorized. This does not substantiate that they had my authorization for said inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request 3 BUREAUS the method of verification for disputes In accordance with FCRA, I am requesting this items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX XXXX : {$770.00} XXXX XXXXXXXX Balance : {$44000.00} XXXX XXXXXXXX Balance : {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

A payment of {$1900.00} was applied to my account on XX/XX/XXXX. This is my regular payment plus late fees for the month of XX/XX/2024. It was applied to my balance and made my account 73 days delinquent. I then proceeded to send payment for XX/XX/2024. After payment was sent, I noticed a misapplication reversal on my account which then in turned made XX/XX/2024 late, when it was just showing paid as of XX/XX/2024. I was told the payment was being held in a 'suspense ' account instead of being applied to my balance, and thus showing it 115 days late, when in reality it was sent and applied on XX/XX/XXXX.
Product: Credit reporting

I have filed XXXX complaints against this company, I received a credit report today the information is still wrong.