23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Credit Management Account XXXX XX/XX/XXXX Date Opened Loan Type : Credit Card Charge off Account Company named above claims I have a unpaid balance charge off. 

Company above appears on my credit report as XXXX initially, but this account was sold to this compnay. Thus, making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them {$1200.00} dollars in XX/XX/XXXX. 
This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. 

I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 2. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 3. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owed to another company or business/provider, without my consent ; 4. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owe as third party debt collection and is not the original company, business, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus failed to do so.

7. Midland Credit Management must submitted proof that they have the correct person who owes said monies, and that my correct social security number on file is indeed the correct social security number.

It is respectfully submitted based on the above, that the above named company remove any and all derogatory remarks, comments, statements, reports, submissions to any reporting bureau or agency/company, and the credit reporting bureaus : XXXX XXXX XXXX and XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} SCC XXXX Balance : {$8800.00} XXXX XXXX Balance : {$220.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$3300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

CREDIT ACCEPTANCE CORPORATION XXXX XXXX  XXXX CREDIT DISPUTE DEPT XXXX, MI XXXX Phone : ( XXXX ) XXXX I received a copy of my credit report and found the following item ( s ) to be errors. 
I am writing in regards to the above referenced accounts and transactions. 
This vehicle was repossessed by Credit Acceptance Corporation in the XXXX of Pennsylvania in XX/XX/2019. The exact date of this Repossession is unknown because I was out of the state when the car was taken. 
Additionally, Once the lender has repossessed the car, a sale of the car may be scheduled. Pennsylvania law requires lenders to provide the debtor with a notice of sale before the sale of the car. This notice must provide the debtor with information in writing of the date, time and location of the scheduled sale. 
Cars are usually sold at auction to the highest bidder. Personal property found inside a repossessed car may not be kept by the lender. The lender must provide the debtor with information regarding the recovery of personal property. Lenders must return the license plates of the car to the registered owner. Unfortunately, the law was broken and my rights were violated according to Pennsylvania State Repossession Laws. I NEVER received any notice of the scheduled sale of my vehicle. After disputing directly with Credit Acceptance, I received the notices and the certified mail receipts clearly showing they did not timely deliver the proper notices and the mail was returned to sender undelivered. Also, my valuable personal property and license plate was NEVER returned to me and my items were basically stolen. 
Also, statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. As per Section 609. Disclosures to Consumers [ 15 U.S.C. 168 1g ], I am entitled to see the source of the information, which is the original contract that contains my signature and please note, the original creditor DID NOT PROVIDE ME any copy of the requested contract. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and DELETED from my report. It is my understanding that you will re-check these items with the creditor who has posted them. Please DELETE any information that the creditor can not verify. The items that the original creditor sent me as a result of my request for debt validation are ATTACHED in this letter. 
I will need this re-investigated timely in case I need to pursue legal action including initiating formal complaints to the state attorney general, better business bureau, CFPB and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment with this company on the dates below. I paid but sadly, I think my payment did not applied on time and I am tagged as late payment. This is not my fault, I paid and settled on time. 
CAPITAL ONE XX/XX/2020 XX/XX/2020
Product: Credit reporting or other personal consumer reports

XX/XX/year> showed late 30days and it wasnt. They sent a printout ahow8ng the date was within the 30 days but still placed ir past the date. States that they can not correct the information with the bureau it is not their policy.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

On XX/XX/2023 a new collection was added to my credit report by Consumer Adjustment Company Inc. for {$400.00}. They claim that I opened the account in XXXX, 2023. 

They did not attempt to contact me prior to reporting it. I have no knowledge of this debt. I disputed it XXXX week ago with the credit bureau but they claim it was verified.
Product: Mortgage

XXXX continues to misrepresent my loan. On on the credit report 's they state that the loan has a 480 month term when the loan has a 360 month term they state that I 've been on the modification agreement since XXXX when the minute modification agreement began in XXXX in their transfer letter XXXX stated they would honor any modifications that XXXX had with us but Ocwen did and does not oblige by the rules that XXXX had for us that 's misrepresenting the loan. Ocwen continues to inflate the amount that was owed on the loan all of this I have evidence for. Ocwen XXXX on the credit report that they 've had the loan since XXXX but nova star was actually the place we opened our loan with then the loan was transferred to XXXX in XXXX The transfer letter states that I can receive the loan in XXXX and thus continue to misrepresent this date on XXXX credit report. XXXX escrow amounts do not match up with the previous servicers escrow amounts. Ocwen nor XXXX XXXX XXXX XXXX XXXX have submitted correct loan papers into the XXXX county land records. Ocwen is not helping and the loan modification process because they want us to pay an inflated price on the loan modification process and the inflammation of the price is around {$180000.00} meaning the modification they want us to sign is for {$330000.00} while we only purchased the house for {$180000.00} and we put an {$18000.00} down payment on the house and XXXX stated in the letter that our payoff amount in XXXX was only {$150000.00}. They are trying to get us to sign the modification under duress so that they can continue to try and foreclose on us. They state that the land was sold and transferred to XXXX XXXX XXXX XXXX XXXX XXXX XXXX backdating to XXXX XXXX but the endorser on the note lost his job in XXXX XXXX and according to the separation agreement of XXXX XXXX that has been filed with the securities and exchange commission XXXX XXXX signature does not mind the company XXXX XXXX to any other lender I have proof of this which I 've used an evidence in court. Ocwen continues to not send monthly statements as required by regulation Z. They want us to say that we release of claims against them on a modification that 's over 200,000 the worth of our home
Product: Bank account or service

I had a car loan with First Niagra Bank. The loan was assumed by Key Bank and I received a letter from Key Bank dated XXXX XXXX, 2016, stating that as of XXXX XXXX, 2016 Key Bank would become the holder of my auto loan. 
I have made XXXX payments via phone to XXXX on this loan, on time and in accordance with the original terms and due date on the loan. Key Bank processed both payements and accepted my money. 
I was told on XXXX separate calls that I would be rfeceivign a statement in the mail within XXXXXXXX business days. I NEVER received anything from Key bank beyond the original letter mentioned above. I called once more, and was told that I do not get paper statements because I am set up for auto-pay. I can not log into the Key Bank online account access until I have an account number. I can not get an account nuber until I get a statement. XXXX calls, no answers. i believe this is the most incompetent bank I have ever encountered. 
need to register my car in Virginia ( having recently moved to Virginia ) and I am unable to do so until I have the loan acct inormation, which I can not get until I log into the online banking site, which I can not due until I receive my account number, which is on my statement, which I do not get because I am set up for auto-pay, which can not be collected because the bank where the payment is taken from has been closed. 
Worst Bank EVER!!!
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan

I contact AD ASTRA RECOVERY SERVICES at XXXX to advise that I did n't apply for this loan. They confirmed with me that the loan was applied for in my name but the money was deposited in a bank account for XXXX ( XXXX ). I have disputed this with the collection agency as well as the credit bureaus and I am still dealing with this showing up as a debt. Per the collection agency I requested a payday loan. Then paid it back and requested another one. I have followed all of the steps needed to get this removed off of my credit including filing police reports and going as far to give the collection agency XXXX phone number and address. Please help me with this credit agency that is harassing me and ruining my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On three different attempts XX/XX/XXXX, XX/XX/XXXX, and again in XX/XX/XXXX EXPERIAN responded XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with the same answers each time never addressing IRS VALIDATION OF DEBT ISSUE. I have been challenging the IRS validation of debt issues for a long time until I was informed about, CFPB services. Evidence that I provided. 
I am not the target of IRS liability, CFR 26, 6331 ( a ) levy may be made Officers, employees, or elected officials of the Gov't.. Federal Debt Collection Act 28 USC 3102, 28 USC 3104 ( A ), 28 USC 3104 ( b ) ( A ), court order must be issued and " earnings of a debtor may not be subject to garnishment. Also letter from the IRS Disclosure Office stating that I never had a Federal Assessment establishing a tax liability. copies were included. I asked Experian  to VALIDATE this so called debt according FDCPA Experian never did, brushed me off. I even handed Exp. the official VALIDATION ( my copy ) IRS disclosure Office NO FEDERAL ASSESSMENT and they ignored everything. IRS issues have no legal standing and must be removed at once, EXP. must make me whole.
Product: Debt collection

I received a letter from the XXXX XXXX XXXX about a claim debt that was paid by XXXX XXXX insurance who filed a claim on my behalf for an accident that happen on XX/XX/17. Nevertheless, XXXX XXXX is disputing they are responsible for the claim. However, payment was issued for property damage. I submitted a complaint dealing this previously. However, I have seen that this issue has been escalated. Now, XXXX sent me the same balance that XXXX XXXX is responsible for my claim. I am not responsible for this balance because payment was made to XXXX from subrogation of XXXX XXXX. The damages handle between the two parties was based of the information submitted by me to XXXX
Product: Checking or savings account

I received a deposit of XXXX from the VA Treasury to my CHIME checking account # XXXX. There are no transfer rules. I then tried to transfer to m CHIME credit account. The app refused to do it and instead told me to save money. It flashed a message that was illegal and it was telling me not to transfer it and instead save it. I was trying to pay my rent when the app made 7 errors and kept telling me to save it in my checking instead of transfer it making it hard for me to pay my rent. I called customer service and they could not fix it and said someone at the bank was trying tosiphon is the word he used XXXX from my checking instead of allowing me to transfer it. He waited in the phone and told me to uninstall the Chime app then told me to reinstall and the app refused to move the money as requested. He then hung up on me when he noticed it would not move.
Product: Debt collection

i sent FIDELITY CAPITAL HOLDINGS , INC. DBA FIDELITY INFORMATION CORPORATION letters on XX/XX/2021 to their main office and corporate office about the alleged debts of {$50.00} and XXXX $ dollars that i dont owe.i sent them certified mail for my records and i have attached copies below of the letters that i sent. the information needs to be delete from my credit reports asap cause its causing me financial harm from achieving credit.
Product: Credit card or prepaid card

I closed this card months ago but still am paying it off. They are trying to add a XXXX Maintenance fee on top of my monthly payment every month. I tried to talk to them to remove it but they will not so now I got a pay that every month on top of my regular payment
Product: Checking or savings account

The complaint is about Chase Bank. I received a text message stating that my bank account has some fraudulent activity. There was a link on that text message. I clicked on the link it took me to a Chase login page. The page had to chase logo and a place for me to put my login and password. I put in my login and password and Nothing happened so I put in my login and password again still nothing happens. I thought it was weird but since my credit cards were still working I didnt think much of it and continued shopping. Then I checked my checking account after this happened there was money sent using XXXX to some unknown place. I immediately called Chase customer service told them what happened they inform me that my bank account has been compromised. I followed the instructions they gave me which was to make a claim and go onto the bank and make a new checking account. I did this immediately Right after I hung up the phone with Chase. I had to change my direct deposit and all my automatic payments information. I have been banking with Chase for years I have many accounts with them. I finally got a letter in an email after about A week. The letter stated that there was no fraudulent activity that they found. I told them I did not make this transaction and Chase told me that there was nothing they can do. They said that I can go to the police and the police can help me. The police are not going to find time to find out who hacked into my account and took {$300.00}. I was hoping more from my bank. The bank tells you all these things that they will do for you when you were looking for a bank account and now that something has happened they can not help me. I have never sent money to this vendor and I have never had this happen on my account, i have never been late on any payments. I feel like my bank is not helping Me and somehow this is my fault.
Product: Credit reporting or other personal consumer reports

It has come to my attention my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided Due ta my information being exposed, | have submitted a FTC complaint reporting the information i am not familiar with.

Please find attached a copy or My ID. The FTC complaint, a copy or the XXXX report showing my information being exposed in a national data breach and a Validation of debt letter
Product: Debt collection

This company ( Plus Four ) shows up as a collection item on credit report. The balance is {$290.00} and I am being notified the balance keeps increasing. I dont know exactly what medical bill this is for/what services the debt is for. I was not doing well financially at all during the time this collection posted to my credit report. I submitted several disputes prior, yet the debt keeps posting and I have not received any information what this debt is actually for. I desperately need this off of my credit report it is ruining my life.
Product: Credit reporting

There are XXXX accounts that affecting my credit report ( XXXX- XXXX ) 1-XXXX and 2 ) XXXX both destroy my credit report without reason. 1 ) XXXX the account was n't mine and is already paid by the owner of the account. 2 ) XXXX XXXX XXXX reported my account as deleted and turn my credit report down XXXX more points. I was not aware of because my credit was excellent and I found out when trying to refinance my home and it was denied because information received from the XXXX credit bureaus. On XXXX I do n't owe them any money, it was paid off when I refinance previously and I 've contacted both the store and the bank for more than 7 months and nothing is done but destroy my credit without a reason. I 'm sendind copies of all documentation to this matter. Please help me to solve this problem because I need to refinance my home to pay all debts I have and start clean of debts. I take care of my sister who is suffering from XXXX and I 'm XXXX and this is the only source of survive besides our XXXX checks. COPIES OF ALL RECORDS ATTACHED. Tanking you in advance for you prompt attention to this matter and the help you can give. XXXX XXXX phone XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Information does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen, social security number, name, address and fraudulent line of credit through XXXX XXXX XXXX XXXX XXXX. 

15 U.S. Code $ 1681c-2 a consumer reporting agency XXXX, XXXX, XXXX XXXX XXXX XXXX, shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 2722 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer am demanding the deletion of the accounts listed IMMEDIATELY!