23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The complaint I am filing is against the debt collection agency Midland Credit Management. I have been corresponding with Midland Credit Management regarding the fraudulent information they are reporting on my credit reports, regarding the claim by them that I owe {$1500.00}. 
I have sent correspondence to Midland Credit Management on XXXX XXXX, 2015, XXXX XXXX, 2015, XXXX XXXX, 2015, XXXX XXXX, 2015 and XXXX XXXX, 2015 asking them to Provide me the following documents ( see 1 and 2 below ) to substantiate their claim and they have failed to do so. I know they are required to follow the law and that law is the Fair Credit Reporting Act. I have never contracted with this company and I do not believe they can provide a contract with my signature on it naming them a party that I have contracted with. 
In all the correspondence that I have received from Midland Credit Management they say they need more information to identify the basis of my dispute. I believe all my correspondence has been clear and concise regarding my dispute of the fraudulent information they are reporting to the credit agencies. 
I believe they are attempting to intimidate and entice me to honor their presentment through fraud by omission ( failure to state a material fact - that we have no nexus nor am I obligated to contract with you ) and misrepresentation of the character and legal status of the debt in question ( which is a violation of federal law ). 

1. A certified copy ( not a copy of a copy but a notarized certified copy ) of the original paper contract from the originating creditor SIGNED BY ME specifically naming your company as a person entitled to enforce a commercial claim against me. 

2. Copies of any and all documents that assign or legally transfer ownership of the alleged debt in question from the originating creditor ( or a different collection agency or debt collector ) to your company. 

I wish for all the accounts and/or references they have placed on my credit report ( s ) to be removed immediately. I can provide all correspondence, I have sent by U.S. Certified Mail, if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

EXPERIAN has committed Identity theft 15 U.S. Code 1681a ( 3 ), pursuant to 15 U.S. Code 1681 ( b ) ( f ) ( 1 ) EXPERIAN failed to obtain a consumer report for a purpose for which the consumer report is authorized to be furnished under Fair Credit Reporting Act, you have violated 15 U.S. Code 1681 ( b ) ( f ) ( 2 ) you have no certified purposes in accordance with section 1681e of the Fair Credit Reporting Act as a prospective user of the report through a general or specific certification, You have as also you have failed the requirement imposed under the Fair credit reporting act pursuant to 15 U.S. Code 1681e ( a ) and did not maintain reasonable procedures designed to avoid to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

You can be held liable Pursuant to 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) because you have willfully failed to comply with three requirements imposed under the Fair Credit Reporting Act failed to respect my privacy as a consumer In addition you have obtained information on, i the consumer under false pretenses from XXXX XXXX who is in fact acting as consumer report agency resulting in you may be fined under title 18 pursuant 15 U.S. Code 1681q
Product: Debt collection

I noticed that a collection account was added to one credit report and it was not mine as a result of identity theft. I have been a victim of identity theft. It was soon there after deleted from that one then added to a different report. This account does not belong to me.
Product: Credit reporting or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX XXXX.
Product: Vehicle loan or lease

I surrendered the vehicle to credit acceptance after I could no longer for the payments after making payments for 6 months on time. Of course they said it was repossessed which is fine. I get it but they say they sold it for {$4000.00} at auction and I have a {$10000.00} balance which is ridiculous and my credit is in shambles because they put me into a long way bigger than I could afford and they knew it.
Product: Debt collection

They are stating that I owe XXXX thats not true. Also I was in contact with the original creditor and on payment arrangements when this debt was place on my credit report. I have never done business with Monterey Financial Services. I do not have a signed contract with Monterey Financial Services. I have a right to demand that Monterey Financial Services furnish the signed contract between them and myself. Also this company is not licensed in the state of Tennessee. I would like this unfounded and unvalidated debt removed form my credit report. Per Tennessee Code TFDCPA 62-20-101 ( short title ) and 105 thru 127, Tenn Law emphatically states that " a collection service can not commence or conduct the business of collecting debts in Tenn without being so licensed and bonded as well as maintaining a " location manager '' who in turn is required to be licensed and bonded. in the State of Tennessee. UNLICENSED ACTIVITY IN THE STATE OF TENNESSEE POTENTIALLY SUBJECTS THE DEBT COLLECTOR TO CIVIL AND CRIMINAL PROSECUTION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute in regards to inaccurate information in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This problem originally included both XXXX  and Equifax ; XXXX  corrected the issue and removed any reference to XXXX from my credit report. Equifax did not. 
The furnisher company involved is XXXX XXXX  XXXX, a division of XXXX XXXX. 
The company services a mortgage that is under foreclosure and has been for the past 10 years. 
The last payment made on that mortgage was XX/XX/XXXX. 
The resolution they filed with Equifax even had that date but somehow they also claim I made some kind of payment in XXXX. 
I did not. 
The record proposed by XXXX also claims " paid as agreed '' but shows a 180+ days delinquency, a glaring inconsistency. 
In XXXX, XXXX was not the servicer of the loan and it belonged to a different company as well ( XXXX services it for XXXX XXXX, XXXX ; it was serviced previously by XXXX XXXX XXXX which never recorded a payment in XXXX ). 
Attached is an Affidavit from an employee of XXXX that was filed in an unsuccessful bid to foreclose on the house, and which specifies that no payment was received since XX/XX/XXXX. 
Also attached is Equifax 's report on the issue. Notice that the information that supposedly came from XXXX is internally inconsistent ; on one page they acknowledge that the date of first delinquency was XX/XX/XXXX ( I'll accept even though it was XX/XX/XXXX, the difference is immaterial ). In another place, they claim payment in XX/XX/XXXX. This is not in keeping with the sworn affidavit or the other statement in the Report. 
When I tried to explain this to the representatives at Equifax, they claimed not to have access to the PDF  I was trying to explain to them and that is attached here, so we had unnecessary difficulty coming around to the inconsistency and source of the trouble.
Product: Credit reporting or other personal consumer reports

There are credit reports that I did not ask for or even know who the company is that requested this information
Product: Debt collection

I found a debt collection on my XXXX credit report XXXX XXXX. I had very little information to go on accept the original creditor. After calling orginial creditor, who verified the debt was from XX/XX/XXXX, they gave me a number to call the debt collector, Credit Collection Services. I proceed to call the number for this debt collector. I informed the debt collector that I had never received a notice of right to dispute. The address they had delivered the first notice to I had moved out of XX/XX/XXXX.. So, In short I tell the collector I have proof that I moved out XX/XX/XXXX and they told me their first notice came to that address XX/XX/XXXX The mail was never forwarded and I was never made aware of the collection. I informed the collector this is illegal and against my rights. The collector hung up on me with no attempt to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently re-disputed the results of a previous dispute. I am finished disputing and want to go to court with all three major credit credit bureaus. The three are siding with the creditor rather than validating an official Federal document i have provided them showing the creditor either took advantage of my accident in XXXX by continuing to debit my monthly payments for a year on the lease car i was not driving or the 3 bureaus are posting false and misleading information to the general inquiries about my report. 
I returned the lease car on XX/XX/XXXX, The proof of that statement is on the Federal odometer reading document. It states very clearly the auto was returned to the dealership on XX/XX/XXXX. why does the creditor report last activity as of XX/XX/XXXX. They either debited my account for 1 year after the car was returned without my knowledge and then realized there was a mistake and deleted it XX/XX/XXXX. Why would I want to make payments on a car for a year after I returned it in XX/XX/XXXX when I was not driving it. 

Either that or all 3 bureaus are up to there previous tactics which they paid fines up to XXXX XXXX dollars to the Federal Courts in several states for providing false and misleading information regarding individual credit reports about thousand and thousands of individuals like myself. I was at there mercy then and still am. Now I am tired of dealing with them and my Attorney would like to see all 3 in a XXXX County courtroom in front of a judge to check the accuracy of there reporting. I have called them and I have emailed them and they will not provide me with a name, address, city and state to have them summoned to go to court I guess since Im not a creditor that pays the bureau to provide information whether it is correct or not means the the bureaus that are being paid will present the information whether or not it is correct I want to get this settled once and for all and then publicize the results and let other people know how they are getting ripped off by the 3 agencies XXXX XXXX
Product: Credit reporting or other personal consumer reports

Company has not contacted me regarding this information on my credit report and I want it removed immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account XXXX XXXXXXXX open XX/XX/year> reported on all 3 credit bureau 's Experian, XXXX, and XXXX without my knowledge or approval. I've sent letters and made calls to the company and disputes to all 3 credit bureau 's about this account and they have not done the proper research to remove this account from my credit report. This is not my account and there is no way to contact them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had inquiries I didn't recognize on my report when I called Transunion they don't pick up and when I finally get through i get passed around ... no one at Transunion wants to take responsibility for anything. I have sent in an identity theft report and Police report and nothing was done.
Product: Mortgage

My service prover Mr. Cooper is charging me for a bridge homeowners policy that they bought because they are stating that I had a lapsed policy. I have provided to them documentation that shows I had no lapsed policy ever, period in question, XXXX XXXX XXXX XXXX. 
I have asked them to cease and desist with these harassing emails and communications and to credit my account as I owe nothing to them. 
I suspect this may be a scam and that they are doing this with other customers.
Product: Consumer Loan

I called the finance company after my vehicle was repossessed. They did not care that the tow company damaged my car. I explained that the agent hit the fence with the vehicle and that there was damage to the vehicle on the passenger side and they drug a hugs log under my car. The manager XXXX as he called himself talked over me, cut me off when I was talking. Granted I was upset because the issue was that the company they hired damaged my vehicle and the finance company did not care. But when I picked up my vehicle it was covered in dirt ( my car was clean before they took it ) so I could not see the scuff marks, scratches and chipped paint until I took it to get washed this is on the driver side door where he hit the fence. I had already filed a complaint with the tow company after they picked up the vehicle. I filed a complaint with the tow company after I had it washed to let them know of the damages and they have not responded. I let them know I will take my vehicle to the dealership to see if there is any damage underneath where the agent drug my vehicle of a log that he had to go under my car to remove. The issue was not about my vehicle being repossessed it was how it was done and damaged. I need my vehicle repaired.
Product: Mortgage

On XX/XX/XXXX XXXX received my mortgage payment in the amount of {$2200.00} for the full month of XXXX, XXXX and first half of XXXX, XXXX. Of this amount, {$750.00} was put into curtailment. 

On XX/XX/XXXX, XXXX received from me, another month and one half mortgage payment of {$2200.00} to include XXXX, XXXX. 

Therefore, as of XX/XX/XXXX, I was one full month of mortgage payments in advance. 
Having paid {$2200.00} on XX/XX/XXXX and again on XX/XX/XXXX. 

However, XXXX, misappropriated a half month payment of {$750.00} to curtailment on XX/XX/XXXX, and NEVER corrected this error, subsequently causing inaccurate accounting and reporting of my account as delinquent, in my trail mortgage modification period. 

XXXX records show curtailments of funds occurred a total of five times as follows : XX/XX/XXXX - {$750.00} XX/XX/XXXX - {$750.00} XX/XX/XXXX - {$760.00} XX/XX/XXXX - {$760.00} XX/XX/XXXX - {$750.00} However, ALL of these amounts were not applied to the mortgage when the payment was full month. I want : 1. An AUDIT of my payment history and an accounting of all curtailments from XX/XX/XXXX until XXXX, XXXX. 
5 curtailments were used to subvert funds and XXXX records demonstrate only 3 corrections. XXXX improperly applied 1 month of funds to principal by diverting my payments to curtailments which were never properly refunded. 

I want all 5 payments subverted into curtailments applied accurately to my payments. 

When I resume mortgage payments on XX/XX/XXXX, I expect to be 1 month in advance of payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year the CFPB settled a class action law suit with the 3 CRA 's reporting inaccurate public records and for not verifying correctly a list of mandatory items before publishing them. The new law took affect around XX/XX/. At that time I wrote each CRA with certified return receipt mail to remove my paid liens from 7 years ago. XXXX  and XXXX   removed them immediately, however Transunion has not : Transunion XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX I have disputed these 3 times electronically, once by fax and via phone on XX/XX/XXXX. 
(XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and last week ) My credit is clean and I have worked hard to rebuild it, this information is the only negative mark on my report.
Product: Vehicle loan or lease

their advertising clearly states that a {$1300.00} destination charge in included in their advertised price. They are saying it clearly states that the {$1300.00} is in addition to their advertised price but I pointed out to the immediately below where it says " includes {$1300.00} destination fee '' it says " excluding taxes and other fees '' so that if XXXX line says its included and the next line says it excluded, then they can't possibly think that excluding both from their advertised prices makes sense. 

I can't possibly be the first person that thinks that " includes '' and " excludes '' actually do mean the opposite.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complain with the Consumer Finance Protection Bureau already ( Complaint ID XXXX ). Transunion responded to the complaint that they had filed an investigation when in fact they did NOT file an investigation. I had to go on to their web site today and manually file an investigation. TransUnion continues to inaccurately report two bankruptcies on my credit profile that should not be there. Chapter XXXX Bankruptcy and a Chapter XXXX Bankruptcy that both belong to another XXXX XXXX. I have sent in the appropriate documentation ( Also attached to this complaint ) proving my whereabouts and address as well as showing my correct identification. Transunion needs to delete these inaccurate records completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed a US BKPT CT IL XXXX Reference number XXXX with the credit bureaus Experian, XXXX, and XXXX -Which two of them ( EXPERIAN AND XXXX XXXX confirmed the public record was verified by the court. I asked Experian and XXXX to disclose their method of verification on the alleged bankruptcy they are reporting. They replied to me with the bankruptcy being verified. I then reached out to the courthouse and their correspondence to my letter was that they do not verify or validate information from consumers ' credit files. 

In accordance with the Fair Credit Reporting act 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 not furnish an account without my written instructions.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2019 and XX/XX/2019 ( All 3 Bureaus ) I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.
Product: Mortgage

I started a loan process with Movement Mortgage in XXXX, South Carolina. The Loan officer 's name is XXXX XXXX. I have decided not to pursue a loan with Movement Mortgage due to XXXX 's unprofessional-ism and predatory practices of charging me at least double the rate of services in the mortgage lending industry. I have simply asked for the fee back that I paid for an " appraisal '' the fee charged was {$650.00} which was my first indicator that XXXX was trying to rip me off. She then preceded to try to charge me {$890.00} in non-existent Administrative fees. I am choosing to use another loan officer and company at this point. I asked XXXX for my money back, she has refused to refund my {$650.00} back and told me to stop texting her phone. She then rudely said that I had the " audacity '' to ask her to come to my work for my closing. I asked her to come to my work due to me just starting a new job a week ago and not able to get off to go to closing. After that insult, I have decided to pursue other mortgage lending options and would like a refund of the {$650.00} fee that I paid.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Experian will investigate this account for me to ensure accuracy Here is the account I am asking you to verify is accurate. XXXXXXXX XXXX XXXX XXXX XXXX Open XX/XX/2021
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 Account # XXXX, XXXX  XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Acct # 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.