23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was recently denied an auto loan due to a debt collection from Collectibles Management Resources appearing on my credit bureaus. Apparently the debt was placed on my credit bureaus in XXXX and I never received any written correspondence. The collection company violated the FDCPA by not providing a validation notice, not providing me an explanation of the debt, and not allowing me to dispute the debt. I requested information, and Collectibles Management Resources sent the attached letter dated XX/XX/XXXX that does not follow FDCPA guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I had an issue with this mortgage company reporting my account as delinquent. I tried both times to reach out to Midland Mortgage and neither time have they made an effort to resolve the issue. The first time, they took over my mortgage from another lending company that sent them my payment that was already made to previous servicing lender. The payment was sent over to Midland Mortgage after 30 days and I tried to explain to Midland Mortgage the payment was made and previous lender advised me not to make double payment and they reported my account past due to credit bureau. Recently, I have never been 30 days past due with Midland Mortgage and thought payment was made and when I realized it wasn't I submitted payment immediately which was XX/XX/XXXX and Midland reported me as delinquent. When I called to resolve to have it taken off in good faith they declined to offer any help. I am great at paying my bills. Their reporting caused my XXXX credit score to drop XXXX points. Account is current. I believe Midland Mortgage should be more fair to consumers in regards to financial reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$3500.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, personal loan, or advance loan

I have been going through some financial woes for the past couple of years and thought taking out a loan with OneMain would be a easy solution. After hearing about the lawsuit, I checked my statement and noticed I have a life insurance policy that I never wanted. I am being charged for these services and I am sure it is a sum of my overall loan. I have been with OneMain for XXXX years now. Paying on this product that Ill never use nor do I want.
Product: Debt collection

Last year 2018 I have been recovering from XXXX XXXX. I have been contacted by Portfolio Recovery Associates regarding an account from XXXX XXXX XXXX. They are claiming an Opened account with them was established on XX/XX/2018. I first off do not owe them any money. I have asked them via letter and phone conversation to not contact me again regarding this account. They have since harassed my current husband on his personal cell. He is not tied to any accounts that I own nor does he have the right to make decisions on my behalf. They have contacted his mother on her personal home phone looking for me as well as now contacted my ex-husband, ( so they thought it was him but conversated with his now current wife regarding my account ). I have not spoken with this man in over 16 years, how embarrassing!! My rights have clearly been violated! After I contacted all 3 of the credit bureaus requesting an investigation regarding this account as well as sending Portfolio Recovery Associates a letter, dated XX/XX/2018, requesting them to not contact me again ( letter enclosed ) they have sent another letter to me ( attached as well ) They have also reported another derogatory remark on XX/XX/XXXX to my credit report since the investigation started on XX/XX/XXXX. Copy of that negative remark notification is attached as well. They have yet to provide any proof that I signed a contract with their company and that I promised to pay them anything. I have now contacted an attorney regarding the violations of my rights!
Product: Credit card

I tried, in many different ways, to contact the credit reporting company and dispute the issue but was unsuccessful. They told me that the account in question was now in the hands of a collection agency so they could not talk to me. Apparently someone opened this GAP credit card account in my name, with an address at which never lived, an my personal information, and went on a shopping spree. I never knew about it ( because I never received any statements ) until I got the calls from the collection agency. They were so disruptive that I ended up paying the debt to the collection agency ( see attached ), as they would call at any time, forcing me to turn off the phone during classes, etc. 
Bottom line, I have never lived at this address:1625 XXXX XXXX XXXX , XXXX , VA , XXXXand I never opened a GAP/SYNCB credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Experian is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Debt collection

I am writing to dispute the presence of fraudulent accounts on my credit report due to identity theft, as reported on XXXX. The associated banks have acknowledged the identity theft and agreed to remove these accounts. XXXX and XXXX have already removed these accounts. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Earlier this year, I put my credit card account with Synchrony Bank on a Debt Management Plan with a Credit Counseling agency here in Arkansas. The plan was accepted in XXXX, and that month was the last time I received communication from Synchrony. Fast forward to today in late XXXX, I called them when I realized I had no statements from them since setting up that plan. When I made it through to a customer rep, I was informed the account had been closed in XXXX, and since it was now in their words " charged off '' I will not be able to get any statements of any kind. My credit XXXX advised me to try calling again and advise them of the Truth in Lending Act requiring they provide me these monthly statements, and the moment I did the line went completely silent.
Product: Debt collection

First of all, the debt that they are claiming that I owe them is false. They are claiming that I owe XXXX wireless money when I do n't. Long ago I did have an issue with XXXX, but we settled it out of court. On top of that I did declare bankruptcy about 5 months ago, so even if I did owe this company or XXXX any money, that was wiped out and they are illegally contacting me. In addition, when I contacted them to get this resolved they refused to resolve the situation and hung up on me. That refusal would also invalidate any debt even if it were valid, which it is n't for XXXX reasons already stated. Finally they were asking for my social security number, which they have no right to do and I am not obligated to give them. When I refused they refused to do anything except demand it and eventually hang up when I stood up for my rights.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 
Account Number : XXXX
Product: Checking or savings account

My name is XXXX XXXX XXXX, about a year ago, i had an checking account under XXXX XXXX. After i opened it, i received a letter from XXXX XXXX regarding my account had a check problem and had to closed my account. At that time i talked to one of the banker, the reason whyXXXX XXXX close my account is becasue one of the check deposted to my account, but that check is not belong to me and i never deposited. XXXX XXXX said they would do the investgation and would give me a call back. After they did the investgation, XXXX XXXX said was not my problem, but XXXX XXXX confirmed that my account had been closed, but I can open a new account at anytime. After 1 years later which is today XX/XX/2019, i tried to reopen it, but XXXX XXXX said they cant open an new account, so i asked them why they cant open for me, and they never give a reasonable reason at all, so the XXXX XXXX banker told me to call the customer service hotline, and the cusotomer service still cant answer me the question at all why they cant open account, i talked to the person name XXXX   which is the sales department manager, he told me wait for the letter for the reason and i wanted to speak with other department which can help me out, they refused me, and no matter how many i ask him, he still not helping me at all.
Product: Debt collection

This was the best choice for my situation. I have a complaint against a company called Central Control Finance also know as Syndicated office systems which is a collection agency who collected on a debt of mines which was a medical bill I never received any notice of, not even from the hospital because it was sent to a different address than where I resided. I only found out about the debt when it was placed on my credit report and there was contact information to speak with someone. After speaking with someone I resolved the debt with no problem. I requested for it to be removed from my credit reports because I was never properly contacted by anyone about the debt. They told me I could submit a dispute and I did just that with all proper documentation to prove to them I did not live where they had ( they claim ) sent a notice of the debt. They denied my request even after providing proper evidence. This was about a year ago. I felt like it was unfair that I had to have something on my credit that I did not receive notice for and not given a chance to resolve something as little as {$150.00} that would follow me for 7yrs. I recently reached back out to them to resubmit my dispute because one of the reps there even said that she can see that I was never contacted my phone as well and suggest that I submit my request again by fax which she provided on XXXX XXXX, 2016. It was denied again even with proper documentation. I would like someone to please reach out to them to have this item removed from all XXXX of my credit reports so I can move on in life. I paid them and held myself accountable, so I would like them to hold themselves accountable for not providing me with a notice. After I had this issue I decided to research this company only to find out they had just been involved in a lawsuit because they were not properly notifying consumers of their debts that 's what led me to send this complaint because I figured if they had to be sued, they were not going to be any help to me since they had n't been to others in the past. Thanks for your prompt attention in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's not really a complaint. Just a request for explanation. 

This is regarding accurate reporting of a federal student loan. 
XXXX is the servicer and the guarantor is XXXX XXXX XXXX. 

XXXX : XXXX XXXX : XXXX Funds Open Date : XX/XX/XXXX Repayment Start Date : XX/XX/XXXX Close Date ( paid in full via consolidation ) : XX/XX/XXXX Last Payment made ( by me ) : XX/XX/XXXX I've made zero payments in the past 7 years but XXXX reported my account as current for months where I was in forbearance. There are several periods where I wasn't in forbearance and XXXX reflects those as delinquencies. So my 7 year credit history is a combination of forbearance months reported as " current '' and non-forbearance months reported as delinquencies. 
My argument is that regardless of the fact that XXXX REPORTED my account as current some months, I haven't made a payment in over 7 years. After the last payment I made in XX/XX/XXXX, I never came back current. I believe the purge date of this account should be based on the actual date I went delinquent and was never current again. Should the forbearance periods be included in the calculation to determine when this account should be aged from my report? Or should it be based on the last time I actually made a payment ( if XXXX or myself provides this evidence to the agencies )?
Product: Debt collection

On XX/XX/2018 I received a letter from Diversified Consultants, INC stating that I owed a debt to XXXX XXXX XXXX, on the letter head it shows the letter dated on XX/XX/2018 this is 11 days past what is allowed by Fair Debt Collection Practices Act. This is a clear violation of the law.
Product: Mortgage

Checking my XXXX Credit Report they list my Chase Mortgage as " Delinquent ''. 
This Mortgage was transferred to XXXX XXXX XXXX XXXX, XXXX. 
This Mortgage was " PAID IN FULL '' on XXXX XXXX, XXXX ; see attached Letter from XXXX XXXX or contact them directly for independent verification.
Product: Credit card

I have a XXXX XXXX credit card with US Bank. I have been discriminated against. I do n't know why. Around last year, they ended one of the perks that was promised when I signed up for the credit card - it was the book one night get one night free. As compensation for discontinuing this perk, they were crediting account holders with free nights. I thought this was applicable to all account holders so I contacted them to ask why I was n't credited with free nights. They denied giving me any free nights. They provided no reason as to why I was denied. I know for a fact that they compensated other account holders. It 's an arbitrary and discriminatory system as to who they chose to give the free nights to. This should n't be the case since their removal of the perk affected all account holders equally. Unfortunately, I was one of the ones who they felt did n't merit fair and equal compensation. 

I 've been a loyal card holder that has never been late with my payments. I do n't know why I was singled out and discriminated against.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XX/XX/XXXX   XXXX XX/XX/XXXX   XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2023 XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reference Complaint XXXX CFPB premature closed complaint against EQUIFAX. A complaint was recently closed which I initiated against Equifax and their disregard to the Fair Credit Reporting Act and the laws govern by both the State of Nevada and the US Federal Government. I believe that CFPB closed my complaint prematurely and whereas, my issue was in regards to Equifax habit and practice of not properly verifying the information which they insert into my consumer credit report. I am well aware of an ongoing investigation into the illegal practice of some creditors to continuously report an old closed charge off as a NEW CHARGE OFF. This in itself is wrong since a charged off account which is closed can not be updated each month as a new charge off and the document which I attached displays this practice. How can one closed charge off account be charged off over 20 or more times? Furthermore, I understand that a charge off account carries with it negative attributes which last for 7 years on a consumer 's credit file but to constantly misrepresent a single charge off as if it was a new charge off each and every month is illegal and deceptive at its core of fair credit reporting. If this is so-called normal practice then I will contact the US congress and my state representative because if my memory serves me well, this wasn't the case many years prior. Thank you
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXXXXXX Balance {$8700.00} XXXX XXXX XXXXXXXX Balance {$240.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report.

Item # 1 : I dispute XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Item # 2 : I dispute XXXX XXXX XXXX XXXX Balance {$170.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items.

Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Product: Debt collection

[ XXXX XXXX XXXX ] [ XXXX north XXXX XXXX ] [ XXXX new jersey, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] Subject : Request for Removal of Late Payments, Negative Items, Closed Accounts, and Hard Inquiries Dear [ CFPB ], I am writing to formally dispute and request the removal of all late payments, negative items, closed accounts, and hard inquiries that appear on my credit report. Upon reviewing my credit file, I have identified multiple inaccuracies and outdated information that are negatively impacting my creditworthiness. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request a thorough investigation of these items and their immediate removal if they can not be verified as accurate. The following concerns should be addressed :
Product: Money transfer, virtual currency, or money service

I was given a check by someone who I now know is a scammer. I deposited the check and waited for it to clear. Chase said that the check was processed and the money was in my account. I lost that amount of money in a stupid way ( on the advice of the scammer ) but then the check was returned by chase for lack of funds so I lost the money a second time.
Product: Mortgage

I have a mortgage with Wells Fargo. Wells Fargo had offered a program to oo offer a lower interest rate if I see a lower interest ; I called Wells Fargo, I was told I qualified for lower Interest rate. When I called, to find out why I was n't was n't contacted for the lower interest ... Well Fargo denied any record of me making a phone call for the special program to lower my interest rate I notice that each time I called Wells Fargo the representative knew my mortgage loan. Their computer identified me by my phone number and the Wells Fargo representative new my name and loan number. I believe Wells that Wells Fargo knowingly discriminated against me ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX, FRANKLIN COL ( Original Creditor : XXXX XXXX ), and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, XXXX XXXX XXXX, FRANKLIN COL ( Original Creditor : XXXX XXXX ), and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.