23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was sued by Midland Credit Management , Inc. without ever being properly served a summons. I have no idea who the original creditor was or how much debt I was being sued for. The validity of this debt has not been proven. 

The judgement was obtained on XX/XX/XXXX, which I never knew existed until XX/XX/XXXX when i received a notice to judgement debtor from my clerk of courts. Midland Credit Management XXXX Inc. allegedly served a summons to a former address of mine back in XXXX of XXXX. I would have certainly filed a motion to dismiss and Compel arbitration had I known there was a lawsuit against me. I feel as though I was deceived. 

There could also be an FDCPA statute of limitations violation as well ( 6 years ). I did not know when the clock started for the statute of limitations since I was unaware of an existing summons until XX/XX/XXXX.
Product: Checking or savings account

Since XX/XX/2021 I have been trying to close my IRA account and they keep saying they will close my account and send me a packet to fill out and they havent. It has been a month now and they wont release my money or send me my packet. Please help thank you.
Product: Debt collection

Subject : Credit Collection Dispute and Request for Debt Cancellation Dear Experian 's National Consumer Assistance Center, I hope this message finds you well. I am writing to address the matter of the alleged debt associated with my account and to assert my rights under the doctrine of estoppel by silence, as established in Engelhardt v. Gravens ( mo ) 281 SW 715, 719. 

Having considered the situation, I have not provided any evidence or acknowledgement that validates the existence of the alleged debt. In line with the principle of estoppel by silence, my lack of response does not imply consent or acknowledgment of the debt 's legitimacy. 

Based on the information available to me, I have reason to presume that no substantiated proof of the alleged debt has been presented, which leads me to conclude that the debt itself does not, in fact, exist. 

In light of the aforementioned circumstances and my rights under applicable consumer protection laws, I hereby formally request the cancellation of the alleged debt from your records. I kindly ask for written confirmation of the cancellation once the necessary procedures have been completed. 

I also wish to remind you of your obligations under the Fair Debt Collection Practices Act ( FDCPA ), which includes providing verification of the debt upon request. I have not received any documentation validating the alleged debt, and I expect full compliance with the FDCPA. 

Please consider this as my official dispute of the alleged debt. Until the requested validation is provided, I request that all collection activities pertaining to this debt be immediately halted. 

I trust that you will conduct a thorough review of this matter and act in accordance with the law. Any continuation of collection efforts without proper validation will be considered a violation of my rights as a consumer. 

Thank you for your attention to this dispute. I anticipate a prompt resolution and written confirmation of the debt 's cancellation. 

Sincerely, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX Original Balance {$510.00}
Product: Credit reporting or other personal consumer reports

n accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( 1 XXXX XXXX XXXX XXXX, ( 2 ) XXXX XXXX XXXX. 15 USC 1681Section, 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate.
Product: Credit card or prepaid card

I was having capital one automatically take the minimum balance out of my checking account. Instead of doing that they took {$2100.00} and will not refund it.
Product: Credit card

For the months starting XXXX, of 2024, I made a payment of {$70.00} to Capital one Bank, from my Debit card which I transferred the money to pay the monthly minimum for my Platinum card. The bank sent me an email advising me that the payment was not received, and that I would be charged a {$40.00} late fee. I explained that My card was never declined since, I had enough funds for making the payment. I explained them numerous times that I was a XXXX at their bank for XXXX yrs. and never had to pay a late fee but once last year. I ended up paying an additional {$70.00}! In addition to that, the exact same thing happened for the month of XXXX, ( which was from yet another debit card ) At this time, the {$40.00} late fee wasn't waived. From the balance I had on this very same Platinum card, the cash balance on the card amount is now {$0.00}. in each case funds was transferred from one of my debit cards, which I have 2, Debit cards all from Capital One. I asked for an investigation because, the matter seemed Fraudulent. The only advice that I received after several frustrating attempts to resolve this is that I owed a XXXX XXXX monthly payment That I would have to pay what is owed.
Product: Credit reporting or other personal consumer reports

Validation, Request to Remove Account XXXX XXXX XXXX Account # XXXX Credit Reports for collection of delinquent child support, judgments, fines and liens may no longer be permitted, FCRA recently ruled removal.
Product: Credit reporting or other personal consumer reports

THEY ARE CONTINUING TO REPORT THESE FRAUDULENT ACCOUNTS ON MY CREDIT EREPORT EVEN AFTER BEING NOTIFIED. I'M A VICTIM OF IDENTITY THEFT.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 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 reporting or other personal consumer reports

Upon reviewing my credit report, I noticed several unauthorized hard inquiries that I do not recognize. I contacted the credit bureaus and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and is negatively affecting my financial standing.
Product: Vehicle loan or lease

In XX/XX/XXXX I co-signed with my granddaughter for a new XXXX which we financed through XXXX XXXX. On XX/XX/XXXX my granddaughter refinanced the vehicle with Navy Federal Credit removing me as a co-signer. 
The account at XXXX was never paid off. I have a copy of the check from XX/XX/XXXX which the check was made out to XXXX and my granddaughter. This caused me to have a late fee and a 30 day late on my credit as I was not notified of this not paid as I assumed when she refinanced that it was paid off. 
I found out about this when I received a call on XX/XX/XXXX at night telling me that the account with XXXX was delinquent and I paid them in the amount of {$560.00}. I told them it was refinanced and XXXX signed for the documents but XXXX does not know who that was. They finally said they received the check on the XXXX and it cleared on the XXXX. I have been trying to get proof of the loan being paid off but they said they could only mail. 
This is a big issue as I am elderly and on a fixed income. I have never paid an account late and now i have lates on my credit and I am in the middle of purchasing a home which we have had to delay closing due to this and I am going to be homeless if this is not taken care of as well as it is affecting my credit score which could affect my rate. This is so upsetting as because they didn't take care of their business and ruining my credit and just has had me so nervous and upset I can't sleep. I really need some help.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic 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 XXXX 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 XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX AND XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXTRANSUNION RE : XXXX XXXX XXXXXXXX Dear Credit Bureau, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I HAVE INCLUDED DOCUMENTS OF PROOF ABOUT THIS COMPANIES ERRORS, AS THEY HAVE IGNORED MY DISPUTES FOR NEW REPORTING OR DELETION. 
1 ) THE BALANCE IS INCORRECT : I HAVE ENCLOSED THE CORRECT BALANCE PROVIDED FORM THE COMPANY AND YOU CAN SEE ITS WRONG ON MY CR 2 ) I AM IN A SETTLEMENT AGREEMENT AND HAVE BEEN MAKING MY PAYMENTS AND THEY ARE NOT REPORTING THIS FACT AS THEY ARE LAWFULLY REQUIRED TO DO PER THE NEW LAW STATED HERE FOR YOU " : Under the settlement, credit reporting agencies must require collection agencies that report data to " regularly reconcile '' information about accounts that haven't been paid in full. If they don't? The agreement says, " This regular reconciliation will be accomplished, in part, by periodic removal or suppression of all collection accounts that have not been updated by the Collection Furnisher within the last six months. '' In other words, if a consumer has been making payments but the collection agency fails to update the account for at least six months, the account will either have to be removed or " suppressed, '' which means it won't be shown to companies that order the report, and won't be used to calculate a credit score. '' I am distressed that you have included the ABOVE information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

I respectfully request to be provided proof of this DISPUTE. item THE ITEM must be deleted from the report as soon as possible : CREDITOR AGENCY, acct. XXXX The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX
Product: Debt collection

On my credit report search, came up with unknown debt notice from weird amount. So called debt collect agency. They said it's one part of bill that related 2015 XXXX. Agency said there is possibility the hospital found out later and just sent to debt collector because it's too old. I paid right off but history remain in my credit report. Never received any bill or information related this service and charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Receivable Management Services is a debt collection agency which appears to have purchased a debt ( with my name on it ) where the last date of activity on the original account has been more than 7 years ago. There has been no verbal activity, like a payment arrangement or acknowledgment of the original debt, They ( Receivable Management Services ) are now illegally reporting negative information to credit reporting agency ( e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Date of the date was XX/XX/year>XXXX  and the amount of the debt was {$4500.00} and the original debtor was XXXX XXXX XXXX XXXX  and the debt was sold to Procollect INC. The information was put on my credit report, and I did not sign for and have no knowledge of it.
Product: Credit reporting or other personal consumer reports

I have viewed my credit report and have found accounts STILL viewing incorrectly on my credit report. These accounts below have been disputed with the company showing the information reported on my account being accurate according to the Fair Credit Reporting Act, however i was never given any proof showing how they came to such conclusion XXXX XXXX account XXXX Last Balance {$530.00} account XXXX balances of {$970.00} and {$1100.00} I have also sent my own letter of validation that was received and it has been 30 days with no response. Please review the information once again to insure this information being reported is validation and the proof is shown as to how it was validated
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft, identity report number # XXXX ACCOUNT Informations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I logged into my account with Chase and noticed 3 unauthorized transactions : a charge for XXXX for an amount over {$400.00}, a charge from XXXX for an amount less than {$100.00}, and a charge for {$220.00} for XXXX. All charges were pending. My debit card was shut down and a new one mailed to me. Chase reversed the charges that day as a courtesy. 
I was notified via phone alert on XXXX that the charge for {$220.00} ( only charge that made it past pending ) was found to be valid or authorized. I called Chase on XXXX and was informed that the merchant provided enough proof to validate ( contract with tracking number, my phone number, my email address and my signature ). I was told the documents listed above would be mailed to me for follow up. 
As of today I have received no documentation and {$220.00} was removed from my checking account today.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX : {$13000.00} ; XXXX XXXX XXXX XXXX Balance : {$360000.00}.
Product: Checking or savings account

Chime bank let someone steal over XXXX dollars out of my account .they have not given me my money back they mysteriously closed my account and couldn't explain why they closed my accounts .they denied my disputes and did nothing about the damage.
Product: Debt collection

XXXX, XXXX SOC  SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATEXX/XX/XXXXXXXX  XXXX PORTFOLIO RECOV ASSOC XXXX XXXX  XXXX PORTFOLIO RECOV ASSOC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 

. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX   XXXX PORTFOLIO RECOV ASSOC XXXX XXXX   XXXX PORTFOLIO RECOV ASSOC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Student loan

I have been paying on my student loan serviced my Sallie Mae since I began gainful employment. I have been paying the minimum amount, but numerous late feed were added to the account and they will not work with me on adjusting the amount, although I am making monthly payments. Therefore, I receive up to XXXX ( XXXX ) phone calls per day. Initially, I would attempt to discuss the late fees that had been assessed but received no assistance. I was told repeatedly by XXXX of the collectors " Pay yo bill, pay yo bill, pay yo bill ''. After that incident, I quit answering the phone. 
I am attempting to pay all of my student loans in a timely manner. Sallie Mae is the XXXX organization that will not work with me whatsoever and repeatedly call me everyday from XXXX to XXXX. Any resolve you could offer or assistance in how I should approach this organization would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request again to remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$75.00} ; XXXX XXXXXXXX Balance : {$8400.00} ; XXXX XXXXXXXX Balance : {$700.00} ; XXXX XXXXXXXX XXXX XXXX XXXX {$20000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed my account with my balance fully paid off ( i.e. when I logged in, it says the balance was {$0.00} ). I confirmed with an XXXX agent that I would not owe anything or have any sort of balance post-closing ( ie that there would NOT be any reversal of statement credits after I close ), so with that reassurance, I closed the card. 
However, XXXX charged me {$350.00} post-account closure ( that is, they reversed a {$350.00} sign-up credit that was credited to my account, many weeks after I closed the account with {$0.00} balance ). This is a fraudulent reversal, since my balance was XXXX at close and the agent promised that post-closure, I would not be subject to the promo offer credit reversal. If I were told that the {$350.00} credit would reverse, I would have not closed the card. The current balance is higher than {$350.00} since they tacked on late fees, and I believe the min payment that is overdue is {$80.00}. I've contacted XXXX to no avail, so please remove the credit delinquency from my account so that it doesn't impact my credit score, because I owe XXXX {$0.00}.