23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

aargon agency and another agency ha s same debt listed on same credit report
Product: Credit card

On XXXX XXXX, 2015 I accidentally entered the incorrect routing number for auto-pay on my Citibank Credit Card. Subsequently, my payment was late because I did not know I had done this. I called to have this changed, because I was unable to make the change myself on line and I was told that it would be handled within 10 days. After numerous calls and on-line support events, this issue is still not fixed - 4 months later. Citibank Tech Support in Kentucky told me this is a known issue and thay are working on it. But seriously, 4 months? During this time I was twice asked if I would like the paper forms sent to me so that I can complete the forms and mail them back. I have never received this forms. While this is a minor to the bank, I 'm sure, it concerns me because I wonder what else is not working properly within their on-line system and how reliable is the other data that comes from it, and for that matter, how secure?
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently reviewed my updated credit reports and Im very upset about the result that I have received. These inquiries are unauthorized reporting in Equifax and XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Mortgage

My homeowners insurance was renewed by my providers ( XXXX XXXX ) on XXXX of this year. The bill was sent to M & T Bank but it was sent to the address and the name of the previous servicer. The previous servicer needed to forward the correspondence to the new servicer and neglected to do so. I received a notice from my insurance company that the insurance was being cancelled due to non-payment. I advised that this should be payed via my escrow. I called in XXXX  M & T Bank to find out why they had not paid the insurance and they advised that they had not received the bill. At the time the insurance company advised that they needed payment in a certain number of days for the insurance to not be canceled. I got the insurance company and the mortgage company on the phone so they could exchange information and so that the mortgage company could make the payment expeditiously. I was advised by the representative at the mortgage company that they had all they needed in order to make the payment and that the payment would be expedited. I went about my business thinking that my insurance had been paid. Over the weekend I go to check my mortgage statement and see that a XXXX XXXX bill is now on paid from my escrow account for XXXX XXXX XXXX  ( {$1000.00} ) dollars more than what I was expecting to pay. As I start to do research of why and reach out to my Homeowner insurance I find out that the mortgage payment sent the payment late and my homeowners insurance was cancelled. Now I have a cancelled homeowners insurance due to the mortgage companies inability to perform their servicer functions, I have a new force-placed hazard insurance from my mortgage company that is XXXX XXXX XXXX  more than what I'm supposed to be paying and I'm left holding the bag. This is extremely frustrating when my mortgage company is expected to act upon the best interest of its clients and it doesn't seem like they are acting in this capacity at this time for me as their client.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2023 I submitted a complaint through the CFPB ( complaint XXXX XXXXXXXX ) requested that Equifax conduct an investigation on an account XXXX XXXX which appears in my Equifax Credit file . As Per 15 USC 1681 ( a ) ( 1 ) ( a ), any dispute investigations must be completed with action taken before the expiration of 30 days of when the dispute was received. Equifax did fail to complete and make timely notification of the results of this investigation as required by law. As per their response, the investigation was completed and closed on XX/XX/2023, which is past the 30 day period.
Product: Mortgage

Over the past 6-9 months I have worked tirelessly on improving my credit score. Close to a year ago, my score was approximately XXXX. 99 % of my low score was due to previous health issues and not the best health insurance. Unfortunately I could not keep up with these bills. Today, according the direct websites of XXXX, XXXX XXXX XXXX, my scores are in the XXXX - XXXX range. I also have a FICO score of XXXX. Since XXXX I have tried 3 times to refinance my home. Every time I have been told that the credit score I see when I go to these websites is not the same as the information being given to lenders by two specific credit reporting agencies. I do not understand how as a consumer I am supposed to use platforms like XXXX XXXX XXXX XXXX to see if my credit score is where it needs to be to have the ability to refinance my home, then only to be told the information that is given to lenders does not match what I see in front of me. Every time I ask to have a lender look at my scores, this is considered a hard inquiry, and of course lowers my credit score. I understand there is a window given lenders, but if I go outside of it, it is considered a new inquiry. I am a single mom and work full time and do not have the time or ability to try and contact new lenders in a short period of time only to be told what I see in front of me, is not what the credit reporting agencies are telling the lenders. Even though, supposedly, they go to the same platforms I do, XXXX XXXX XXXX XXXX. The difference in what I see and what I am told the reporting agencies see is over XXXX points. To me, this is the difference between being considered for a loan and not. Attached are correspondence between myself and a lender. Image 002 is what I was seeing on my end and image 003 is what the lender was seeing on his end. I accessed the XXXX Website and he accessed the credit reporting agency, both of these actions done within an hour of each other.
Product: Credit card

Whenever I try to add my Comenity Mastercard to XXXX XXXX, I get an error message that states " Card Not Added. Contact your card issuer for more information. '' I contacted Comenity Bank several times on XX/XX/year> and several times on XX/XX/year>, and they were not able to help me add my card to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I've been a victim of XXXX XXXX  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 theses documents and this notice.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, a debt collection is reporting an account over 7 years from the first missed payment that led to the charge-off from original creditor which was XXXX XXXX. Please see 15 U.S. Code 1681c ( c ) that explains the lawful reporting period. Essentially the statute states that the reporting period is based on the delinquency that precedes collection and charge off. The date opened ( when the collection agency assumed the deb ) does not change the date of the start of the delinquency. Based on the before mentioned statute, this collection was supposed to be removed and no further reporting to the credit reporting agencies as of XX/XX/year>. Transunion, XXXX and XXXX XXXX are both complicit in this false reporting are in violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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: Debt collection

This is not my debt, as shown from the attached UCC 11 documentation.
Product: Debt collection

I have been repeated calls from the number XXXX at my home number, XXXX for the past several months now. The number, which is listed as unavailable on my phones Caller ID, does leave a message that they are in essence trying to contact me regarding important personal business. The voice in the message is male with somewhat of a southern drawl. I have answered the phone a couple times, but when I do and try to see what the message or the call is about, I get a message saying something about the person they are trying to reach, but the name is unintelligible because it is done by a computer and it is very hard to make out. I have tried contacting the FTC about this since I am on the Do Not Call list. But nothing has been done about this. I usually get at least one call per day from this number, and I have saved up to about 15 of the most recent voice mails from this number on my home phone.
Product: Credit card or prepaid card

This is the third time I've had an issue with applying for bank account or credit card ( over a 10 year period ). Nearly 10 years ago we had major problems filing with XXXX XXXX for both our Bank Account and our Credit card. This year we moved to a regional XXXX   XXXX and we experienced problems with setting up the bank account. On Friday XX/XX/XXXX we went to the bank to get a credit card. We had all of our paperwork in order. We provided the Denominations letter of 501c3 status from the IRS. We had our subordinates letter from the XXXX XXXX XXXX. We were told this was not the proper information - but it is. I checked with other pastors - this is a routine problem. Either is is a form of systemic anti church bias or it is a systemic lack of training across many banks and credit institutions. I discussed this with my sister who is a Bank Trainer. She compared our treatment to a local Girl Scout troop. A church is not a girl scout troop. My 173 year old congregation should not be put through this kind of challenge every time we try to institute a banking relationship. We have outlasted 4 banks in our lifetime we have only changed banks this one time due to dissatisfaction with the bank. I talked to our denominational leaders and they also have had trouble trying to resolve this issue. Lastly I called the IRS and nobody answered my call.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Dear CFPB, I am writing to dispute incorrect personal information on my credit report. The names [ XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ] and addresses [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ]. The following employers [ XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX listed do not belong to me. Please investigate these inaccuracies and remove them from my record. I appreciate your prompt attention to this matter. Sincerely, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I am writing to complain on Experian for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN EXPERIAN RECEIVED THE LETTER.
Product: Debt collection

Consumer Financial Protection Bureau Re : Complaint Regarding Debt Collection by Midland Credit Management , Inc . 


I am writing to file a formal complaint against Midland Credit Management , Inc. for their egregious and unfair debt collection practices, which I believe are in violation of established consumer protection regulations. 

On XX/XX/, I received correspondence from Midland Credit Management , Inc. regarding account number XXXX, which purportedly represents a debt owed of {$890.00} dollars, debt they acquire from XXXX XXXX XXXX  The letter not only demanded payment but also imposed an unreasonably short deadline for response or remittance, expiring on XX/XX/2024. This brief timeframe afforded me insufficient opportunity to verify the legitimacy of the debt and the authority of Midland Credit Management , Inc. to collect it. 

Furthermore, the correspondence included language intimating the potential escalation of the matter to legal channels if payment or response was not received within the specified timeframe. Such coercive tactics create an atmosphere of intimidation and violate established guidelines governing fair debt collection practices. 

As a conscientious consumer, I am entitled to verify and dispute debts before being subjected to legal threats or coercive measures. Midland Credit Management , Inc. 's failure to provide adequate time for verification and their use of intimidating language in their communication constitute clear violations of consumer protection regulations. 

I have taken steps to initiate dialogue with Midland Credit Management , Inc. via certified mail on XXXX XXXX XXXX, seeking comprehensive documentation validating the debt in question and their authority to collect it. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will act promptly and decisively to safeguard the rights of consumers and uphold the integrity of fair debt collection practices.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Santander Consumer USA was reporting information to XXXX, XXXX and XXXX ; who were then reporting false and inaccurate information on my credit report. Santander was reporting that I had a balance of over {$150000.00} for a used XXXX XXXX 2017. I have already invested over {$15000.00} into the vehicle with a remaining balance of around {$11000.00} and them reporting that I owe over {$150000.00} has hurt my ability to get other credit lines because of the debt to income ratio. I have tried through the CFPB, also through calls to the company with no avail until last week when I filed a complaint with the attorney general, comptroller and left a review with the XXXX. Then when I called Santander back and told them about my complaints I was forwarded to the correct department finally " The XXXX XXXX '' who esculated my call and since then XXXX has corrected the information on my report. However, today I received a response through the CFPB from XXXX still stating that the infomation is verified through Santander which is a lie. Misinformation is false or inaccurate informationgetting the facts wrong. Disinformation is false information which is deliberately intended to misleadintentionally misstating the facts. According to FCRA XXXX that is a willful violation on behalf of XXXX and I demand compensation. And if they have corrected the information and aren't publishing their fault on the CFPB by stating that they are sending a letter they are not being fair and are in violation of XXXX CFR XXXX and they are committing language fraud violating XXXX XXXX XXXX. I've attached my credit reports from all XXXX credit bereaus proving the reporting of wrong information.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX / XXXX / TransUnion has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of these listed accounts below. I believe it was reported in error. 
XXXX XXXX XXXX Balance : {$2900.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

My father passed away last year and due to such passing I was maliciously persecuted for crimes of no existence, incarcerated for defending myself, held under false standards of failure to appear, excessively charged for a crime of no existence, subjected to compleat disregarded and constriction of civil rights, chattel slavery, subjected to deadly diseases, stripped of all equity, stripped of identity, and denied access to bank account, property, finance, individuality, force to be subjected to more mistreatment, and forced to work for such illicit people for means of more social scrutiny, malicious persecutions, brutality, excessive force, XXXX abuse, and attempts on life of myself/family/Service Animal by some unknown group of religious fanatics, political extremists, and racially fueled hate groups for means of corporate XXXX and human enslavement by Chase Bank, XXXX XXXX XXXX false payees , impersonation of family members, stolen identity of family members, online banking ( XXXXXXXX XXXX XXXX XXXX XXXX and value off bonds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these accounts which I listed in Identity Theft. Some of them payed in a good standing but all of them I did not open and never used. Some one opened them used my ssn and personal information. I do not want that all pf these accounts are reporting because they are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. My mortgage originated in 1998 with XXXX, they kept changing servers, and each time Transunion lowered my score. in the last six months, they have changed it twice ... from XXXX to XXXXXXXX XXXX and now to XXXXXXXX XXXX, my score went down over 30 points due to closing an account that I did not close. it is the same mortgage now 25 years but it shows that it is only one month old .... I filed a dispute with Transunion but they did not want to correct it.
Product: Checking or savings account

" Upgrade '', the XXXX arm of XXXX XXXX XXXX  won't allow me to access my own account online or through their app, even after providing them with my old phone number, updated phone number, and selfie with personally identifiable information and account identifier handwritten on paper, and scotched taped to my chest in the selfie, as they requested. 
They will only speak with me via telephone regarding my account, but refuse to allow me to access my own account information.
Product: Credit reporting or other personal consumer reports

I have reached out to Experian and XXXX multiple times to clear a debt reported by XXXX XXXX XXXX that is inaccurate. I HAVE asked for validation, they reached out and validated it as " accurate '' yet failed to respond to my request about my itemized bill and the original contract stating where I agreed to pay this alleged debt that has been violated under the FDCPA and FCRA. I have not received an original itemized bill and a contract with my wet ink signature which means this collection and alleged debt is inaccurate and has been falsely marked as a validated debt, I am asking for the parties involved and for all three credit bureaus to delete this collection.
Product: Checking or savings account

I received notification from USAA XX/XX/year> that my access to my banking was locked. XX/XX/year> I contacted USAA and was told that the accounts were locked for 7-10 business days. I asked to speak to member resolutions and was told that department was closed and to call back. I asked for a direct contact and was told there was not one. 7-10 business days is not a reasonable time frame to disable someone from accessing their online banking.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below have violated my rights according to 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 expressed written instructions. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things, please delete these accounts from my credit report. Thank you.