23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX, XXXX has been trying to collect a couple of debts that was originally from XXXX XXXX. I have been disputing these claims since the very beginning, and there should be record of most of my communications with them. The communication started through XXXX XXXX, and then I continued communication on my own behalf. I also have been disputing the information directly with the credit bureaus, XXXX XXXX 

I believe the debt amount they are trying to collect and report on my credit report are inaccurate and in violation of the Fair Credit Reporting Act. 

The first account is from XXXX XXXX / XXXX and the amount MidLand started reporting was for {$1300.00}. MidLand started reporting this on XX/XX/XXXX, according to my XXXX XXXX account. The very last correspondence I received from the original creditor before it was handed off to MidLand was an account statement on XX/XX/XXXX and the account balance reported to me was {$1300.00}. As of today, XX/XX/XXXX, the amount MidLand is reporting is {$1400.00}. A huge difference, and I do not see how this balance keeps changing. This is not the first time they have changed the balance of my accounts. 

The second account is from XXXX and was an XXXX XXXX card and the amount MidLand started reporting was for {$880.00}. MidLand started reporting this on XX/XX/XXXX, according to my XXXX XXXX account. The very last correspondence I received from the original creditor before it was handed off to MidLand was an account statement on XX/XX/XXXX and the account balance reported to me was {$690.00}. As of today, XX/XX/XXXX, the amount MidLand is reporting is {$990.00}. A huge difference, and I do not see how this balance keeps changing. This is not the first time they have changed the balance of my accounts. 

The bigger issue here, however, is when I contacted XXXX XXXX, on XX/XX/XXXX at XXXX, directly to try and confirm that the balance being reported by MidLand was accurate, they told me that they do not have access to my files anymore since they sold it to MidLand . This is an IMMEDIATE red flag. I have been challenging a lot of other misreported information on my credit report and all the other companies were able to provide me with requested information. What company would not keep records of their own debts? Even if the debt has been sold to a debt collector? 

XXXX told me that I have to contact MidLand directly to get my balance and confirm any amounts. RED FLAG. This sounds like a CONFLICT OF INTEREST to me. How am I supposed to expect to receive fair and accurate information, from a 3rd party company, that I believe is trying to collect an inaccurate amount, that is MORE than the original debt owed to the original creditor? The company that has financial motive and the company that would PROFIT by charging me a lot more than the original debt in which they probably bought for pennies on the dollar from XXXX XXXX! 

I do not see how this can be fair and I do not see how this information can be properly verified now. I would love for XXXX, XXXX, and XXXX to investigate the issue at hand with XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX  : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX5 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: Debt collection

Took Money that was not correct on an account that did not belong to me. And they sent me letters that no need to show up to court. I have emails asking for amounts they never responded back. Once they responded like a month or 2 later.
Product: Mortgage

I have requested a full statement from them, they told me they would get back to me but never did then when I emailed them they said they would get back to me they didn't then I emailed them again and nothing this is a copy of the email sent to them To whom it may concern, My address is XXXX XXXX XXXX XXXX. you have stopped sending statements on this address for 2 years. I do believe you are not complying with the rule of : Periodic statement rule .So letting you know this I would like the statements to start being send again if you continue to not send them I will file with the Consumer Financial Protection bureau. 

Thank you XXXX XXXX XXXX They are not completing with periodic statement rule I have not record of where or what funds have been applied loan number XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Hyundai XXXX XXXX XXXX XXXX XXXX XXXX Hyundai XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The company 's listed above, I noticed unauthorized inquiries on my credit report.
Product: Debt collection

I was contacted via phone from a private number in which a male left me a voicemail stating that someone would be serving me papers at my home and place of employment which he said he would require a signature from my manager. He left a number to call XXXX and a case # XXXX. I contacted that number and a person by the name of XXXX XXXX at Bayside Capital Services answered. He did not during the course of our call state he was a debt collector nor did he state the required FDCPA statement. This is an attempt to collect a debt ... He demanded payment right away and told me that he is licensed in litigation in XXXX states. He threated that a lawsuit would be filed if I did n't pay the balance owed today. We worked out an arrangement and I asked him for some type of proof that he is who is says he is. XXXX minutes later I received an email with a word document ( see attached ) in which I felt looked a bit on the forged side. I contacted the creditor and they told me they have never heard of Bayside Capital Services nor was the amount was the creditor had on file the same amount as Bayside. I then did a little research on Bayside and read that a few others had the same experience as I. I then contacted XXXX and asked him for his debt collector license because I felt there was something very suspicious about the entire conversation, XXXX told me, after an uncomfortable pause, there are many departments and he does n't have the number then he got angry with me and told me he was never going to give me the number and started to raise his voice even further. I then hung up because I felt that the whole thing was a scam and he was trying to steal money from me. I feel that these people illegally got information from my credit report and are trying to steal money.
Product: Checking or savings account

Every two weeks my husband deposits his paycheck using mobile banking. This past Friday, XX/XX/XXXX he deposited his check but accidentally entered {$2300.00} when his check was {$2600.00}. Bank of America is holding his funds for 2 full weeks and customer support refuses to help or escalate. They specifically state they are not trained to release the funds and their manager is not trained to release the funds. He even went into the branch and they told him to call BOA support. We have a history of depositing this almost identical check every two weeks for 3 years! We may miss our mortgage payment due to this extended hold! We are unable to get any information of help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I suddenly have two collection agencies reporting on my credit reports. Both of these agencies claim that accounts were opened in XX/XX/2022. I have never received any inquiries nor have I received any previous bills or correspondence. When I attempt to contact them theres only a recording that wants my Social Security number. I have reported this to the credit reporting agencies who have failed to rectify the situation. This is severely damaging my credit that I have worked very hard to regain.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter for this company " LVNV Funding '' injuring my credit with this inaccurate information being on my XXXX  credit file. Investigation that took place did nothing and did not respond and remove this inaccurate, unverifiable information. They were not compliant and answer when i reached out to this company. Somehow it's saying i owe this when i did not know what they this was. This is my second attempt, please remove this. This has hurt my ability to obtain new credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/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 account or information which is found to be opened due to identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The dispute item 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 this files. [ account/item ] BK OF AMER XXXX Date Opened : XX/XX/2011 Balance : {$11000.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not knowledgeable of any of these inquires and never authorized these companies to pull my credit. On XX/XX/2022 I called XXXX and XXXX in on XX/XX/2022 XXXX directly in received no help. Each company suggested I dispute directly with the companies, or file a complaint with FTC, and or file a police report. I have reached out to these companies by phone and neither one could provide me any information on where the information came from. Please see below inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chrysler Capital XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX ), ( XXXX ), ( XX/XX/year> ), Contents of Complaint : This Cfbp complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 oXXXX XXXX XXXX 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: Student loan

I printed out copies of XXXX  Loan forgiveness forms to send to my employers. I went to the trouble to have them filled out and sent off. XXXX XXXX, who my student loan is with, sends me a letter saying that they cant process my forms but doesnt directly state why. I assume it is because the form had expired. Problem is that I can't find a form that is not expired. I tried to contact the company about it but they will not reply. Now I get an email stating that they are selling my loan to MOHELA and will be transferred on or about XX/XX/2022. The U.S. Department of Education states on their website that you can apply for teacher loan forgiveness but you can not access an application on their site or anywhere!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$49000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 NOTICE ON MY CREDIT REPORT  XXXX   XXXX  NEVADA ADDRESS AND I NEVER LIVED IN  XXXX   XXXX  NEVADA. I DO HAVE FAMILY IN  XXXX   XXXX  NEVADA AND A RELATIVE THAT NAME IS VERY SIMILAR TO MINE. I PROVIDED THE CREDIT BUREAUS WITH 17 YEARS OF ALABAMA  STATE ISSU ED DRIVERS LICENSE AND I SENT OVER TO CREDIT REPORTING AGENCY TO SHOW THEM THAT I HAVE BEEN IN ALABAMA ALL MY LIFE AND THIS IS NOT MY DEBT. AND THEY STILL WANT CORRECT OFF MY CREDIT REPORTS ALL  XXXX  EXPERIAN,  XXXX ,  XXXX . THERE WAS A CHAPTER  XXXX , VEHICLE, LOAN, REALTY COMPANY CHAPTER  XXXX  BANKPRUTCY   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   THESE ARE NOT MY DEBT. NEVER LIVED IN  XXXX   XXXX  NEVADA.   PLEASE ASSIST
Product: Debt collection

Our son was in an auto accident and was injured. He now has very serious health problems. He had a XXXX credit card. He tried to pay it but it was sold to Portfolio after XXXX filed for bankruptcy. He continued to pay on it, even though he continually explained his situation. He was trying to get his life back and reestablish his credit rating, and get any debts paid. 

he was taken off of work for a period after the accident and they found more very severe health problems. He had informed XXXX & XXXX and Portfolio in the last contact and it went ignored by them and they followed through on this default against him- a person with very severe medical problems. 

This past year, he was served with a summons. He did not understand what to do and kept paying the debt.He paid them over {$100.00} out of good faith and agreed to pay his debt, just wanted them to work with him. He has paid, XXXX and twice in XXXX of 2015, receiving letters of receipt back from Portfolio/XXXX XXXX XXXX thanking him for his payment. 

He continually asked for the summons to be dropped. He is unable to talk on the phone regarding any financial debts, due to previous harassment and comprehension difficulties. This was stated several times in complaints and contact he had made to them, both in writing and to the CFPB. 

We believe that we are authorized to contact on the account. If not, we would at least like the CFPB and public to be aware of the harassment our son, with health problems is going through even though he is making payments to these two companies. 

This week, he received a default, enforced by the same company that had been sending him thank you letters for his payments and that he has paid over {$100.00} to these past two months. XXXX of the receipts are enclosed. In the past two months, he has made XXXX payments. {$100.00}, {$12.00}, and $ XXXX default has now destroyed his credit.
Product: Payday loan, title loan, personal loan, or advance loan

A representative from the one main financial office in XXXX left me a message on XX/XX/year>XXXX XXXX XXXX saying the following " yeah I want to let XXXX know his XXXX XXXX '' They are calling to try to collect payment on past due balance but this is a very illegal " tactic '' to use in order to get a customer to call back. The phone number is XXXX
Product: Debt collection

I am a federally protected consumer and Bridgecrest Financial has violated me under the provisions of 15 USC 1692 and 15 USC 1681. Please review attached documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to Equifax on XX/XX/22 but no answer was received. The account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If Equifax does not authenticate the account, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 


XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the
credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit card or prepaid card

Synchrony Bank has closed my XXXX and XXXX credit card account. This account was in good standing, and I received no notice that it was being closed. The reason they are stating is because of credit worthiness. When this card was active my credit score was in the XXXX 's. After closing the account my credit score dropped at least XXXX points. The credit limit was {$4000.00}. I have XXXX other accounts with Sychrony that are all in good standing. In my opinion, their reasoning for closing this particular account is not valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit R

eporting Act, Section 611 ( 5 ) A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15 U.S.C. $ 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorr
ect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, XXXXNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immedately The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment my credit report : Accounts- XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

To Whom It May Concern, I have had only one account with you all for 3 Years and 4 Months. With that account, my debit card expired XX/XX/XXXX and you never sent out a new card. I called and advised that my card was expired in XXXX and you all advised that you would send me a new card and my account is still open and active. 

However, you gave me a new card number for some reason and created a duplicate listing on my credit report. You sent me a new card with a new card number XXXX which should not have resulted in you changing my card number as the original card was never lost or stolen. The card had only expired and I never requested for the card number to change. However, there should not be two listings on my credit report.

You need to remove the Closed Accounts you are reporting to all three credit bureaus.

You have the following listings on my credit report : *Both Accounts have an Open Date of XX/XX/XXXX and I have only one account with you but two accounts on my credit report. 

XXXX - CLOSED XXXX - OPEN
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from the Department of Education on XX/XX/2022 stating that the department is discharging my loans without requiring me to file an application because of the persuasive and widespread nature of school 's behavior and under borrower dese regulations ( 34 C.F.R. 685.206 and/or 685.222 ). Nel Net has been inaccurately reporting student loans balances to the 3 credit bureaus ' ( XXXX, XXXX XXXXXXXX XXXX XXXX XXXX frequently. I contacted Nel Net by email and phone call on XX/XX/2022, XX/XX/2022 and XX/XX/2022. The student loans with Nel Net XXXX for XXXX XXXX XXXX XXXX XXXX student loans were discharged based on a letter from the U.S. Department of Education on XX/XX/2022 stating that the Department is discharging my loans without requiring I file an application because of the per. 685.206 and / or 685.222 ). I contacted Nel Net verbally and they explained that it is discharged and they will remove it from the 3 credit agencies. I sent copies of this letter to the email address for Nel net ( XXXX ). I received no responses by email, but it was conformed during phone call with Nel Net that they received my letter each time. I have tried to dispute and Net Net still keeps reporting inaccurate balances effecting my credit information to all 3 credit agencies. I will attach letter with emails. I am requesting that both item on my 3 credit reports be reported according to federal laws in regards to accurate information. I owe no balance with Net Nel and I have no negative history. I am requesting that this be removed from XXXX, XXXX, and XXXX.