23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A debt validation letter was sent to MIDLAND FUNDING LLC on XX/XX/XXXX requesting a verification of debt owed. A response was received XX/XX/XXXX stating that they were opening a investigation into the matter and that it could take up to 90 days to resolve this issue. An investigation was never requested from MIDLAND FUNDING LLC, but only to send the proper paperwork proving that the debt in question is valid within 14 days of them receiving the debt validation letter, which they did not send to me in the allotted time. Also The Original creditor was XXXX XXXX   XXXX XXXX XXXX XXXX, and then you bought this loan from them, after it was charged off according to your paperwork on XXXX. If there is anything signed by me it is a illegal contract which you didn't disclose to me that my wet ink signature paid the loan in full that you bought from XXXX XXXX XXXX XXXX XXXX and that you are trying to gain a 200- 300 % profit off of my signature making the any contract if any null and void from the beginning. I never received goods or services from MIDLAND FUNDING LLC only from XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My initial credit line was XXXX XXXX 
I could not make payments due to a bug in their system. I had to call every month and pay over the phone. Company got on my browser with me logged in and seen this. They reversed late payments 2 or 3 times because the web page kept crashing every time I tried to make a payment. Out of the blue they raised my limit to XXXX $ and then dropped it to apx.XXXX XXXX 
This decreased my XXXXXXXX score by XXXX points. I was in the process of getting a business loan secured by my personal credit. This obviously threw a wrench in my plans. I called the credit card company ( XXXXXXXX XXXX ) to see why. 
They sent me to the underwriting department who said it was because of late payments. Not even bothering to look and see that I couldn't pay if I wanted to ( which I obviously did ). Looking online for answers I found the fair credit reporting act I found this. 
According to the Fair Credit Reporting Act, the only reason a card issuer needs to inform you about a credit limit decrease is because you missed a payment, are only making minimum payments on a high balance or took some other negative action that raised a red flag. In that case, your issuer would have to call or send written notice by mail or via the secure online message center. 


So I called XXXX XXXX  back on a recorded line and asked to speak to underwriting. 
She told me there was no such department. 
I asked to speak with a supervisor. 
The supervisor ( XXXX ) told me the same thing I already heard. 
They throttled me because of late payments. 
I then informed her of the fair credit reporting act to which she said they can do this to me because it's in their terms of service agreement. 
I asked if that means they don't have to adhere to the F.C.R.A.? 
She basically told me whatever I read to her doesn't apply to them. 

So in a nutshell, XXXXXXXX XXXX  solicited me a cc while i was shopping in XXXX. 
A cc which I didn't need. At the time I already had at least XXXX $ of unused credit at my disposal. Well I signed up anyways thinking it would save me on gas. Instead this CC ended up costing me XXXX points off my credit score, hours of time trying to resolve countless issues I had to call about and now it's costing me a loan to open my small business. 
I have since sent payment of the total balance to us bank and I'm sure even paying it completely off won't raise my score XXXX points. 

I would like for them to make this right. 
It is a blatant violation of the F.C.R.A and they don't seem to know this which tells me that this is common practice to them. 
No letter and or message was ever sent to me entailing their decision. 
XXXX XXXX XX/XX/2023
Product: Debt collection

I was contacted by Consolidated Recovery Systems regarding a billing for which I had no knowledge. When I inquired, they stated it was a debt to XXXX XXXX XXXX XXXX. I had never received a copy of the bill. I requested they provide one. The bill they sent included my name but a random address unrelated to me and did not include any details for the billing. I instructed Consolidated Recovery Systems to stop contacting me. I called and wrote XXXX XXXX XXXX XXXX requesting a detailed bill and providing my correct address. They have not responded, but Consolidated Recovery System continues to violate my instructions by calling and attempting to collect a debt.
Product: Debt collection

To whom it may concern I am requesting that your company discontinue its efforts to collect on the above account. By law you should not continue to collect on a fraudulent account, that I have filed a police report, FTC Report and CFPB REPORT .This is a fraud account that I did not authorize, Ive been Receiving EMAILS AND MAIL FROM THIS COMPANY Account number : Ending in XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX 
Current Owner : LVNV Funding LLC Resurgent ID : XXXX Current Balance : {$320.00} 1681c - Blocking of information resulting from identity theft ( a ) except as otherwise provided in this section a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of identity Theft report. Ive attached a active police report this is not my account and was not open by me ( e ) exception for verification company section ( a ) states a check service company shall not report to a national consumer reporting agency described in section 1681a a company shall not report to a nation consumer agency if any information identified in subject identity theft report as resulting from identity theft
Product: Money transfer, virtual currency, or money service

I was selling a couch on XXXX XXXX. The scammer sent me messages stating that because of my Zelle account limitation, he had to send me extra {$400.00} dollars from his business account. I received a " Zelle '' email stating that I need to refund the sender that {$400.00} dollars before I can receive any payment. The scammer sent me snapshots of pictures of bank transactions. I sent the money via Zelle. Then I received another email from " Zelle '' stating that I need to send more money. I realized this is a scam. I hope the company takes action against the scammers and change their policies for not protecting consumers.
Product: Debt collection

XX/XX/year> Citibank , N.A . 
XXXX XXXX XXXX XXXX  XXXX, SD XXXX Your Reference No. : XXXX XXXX XXXX. XXXX VALIDATION REQUEST AND CEASE AND DESIST Dear Sir/Madam : You are seeking money from me for a debt amount I dispute. Please send me proof I owe the debt and stop calling the above number until you do. 

PLEASE CEASE AND DESIST FROM CONTACTING ME AGAIN WITHOUT FIRST VALIDATING THE DEBT. STOP CONTACTING MY PHONE NUMBER, EMAIL OR TEXT ABOVE. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : $ THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR ; XXXX VERIFICATION OF THE DEBT ; AND XXXX  A COPY OF ANY VERIFICATION OR JUDGMENT IF IT EXISTS; PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU VALIDATE. DO NOT THREATEN MY CREDIT. I DISPUTE THIS. 

Thank you for your immediate cooperation.
Product: Mortgage

Union Bank assumed our loan from another bank last year. Twice the bank has tried to charge late fees on payments made through XXXX  XXXX XXXX on line banking ... .funds sent by electronic means ... .not a check ... not in the mail ... Union Bank received funds on or before the XXXX of the month according to the loan agreement, and proven to be true with records from XXXX XXXX XXXXXXXX Twice they have sent out a past due notice dated that same day, the XXXX .They seem to not know that they already have payment on that same day and that it is on time. 

We have 10 real estate loans with 7 other lenders and have been paying on time for 20 years. .We pay most banks on our rental  property by electronic means all on the XXXX Never any problems until now ..Union Bank is the only bank that we have encountered this issue ... .Union Bank seems to have a glitch in their system or they are trolling for fees not deserved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written letters to Transunion on several occasions regarding multiple accounts. I wrote a letter on XX/XX/XXXX regarding collection agency XXXX XXXX XXXX reporting account # XXXX reporting this account as an open account as well as having a passed due balance. On XX/XX/XXXX I received a letter from Transunion stating that this account was accurate and reporting correctly which isn't true. I have also received a letter from Transunion for other accounts that I have disputed with the company stating that they applaud my efforts on trying to fix my credit, but they did not send me and validation letters for collection accounts XXXX account # XXXX. This account is also reporting as an open account. XXXX XXXX account # XXXX is also reporting as an open account as well. These are direct violations of my consumer rights to have a correct account credit profile. 
They have also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) The law clearly states the credit bureaus have 5 days to notify me of when they receive my disputes.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I recently received a copy of my report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. Under the Fair Credit Reporting Act 15 U.S.C. 1681g I have the right to demand that you disclose to mee all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below in 30 days of receipt of this letter then you must remove these accounts from my credit report. I demand the following accounts be promptly verified or removed immediately. 
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

Navient reported 5 missed payments to the credit bureaus for months XXXX through XXXX of 2015. This loan account was initially opened with XXXX and at a different point sold to Navient. I, the borrower, was never notified of the sale. When payment became due for this account, I believed letters from Navient regarding payment and balance were fraudulent. After some research several amounts later, I discovered that loan had been sold without notice to me. I reached out to Navient by letter and the credit bureaus to resolve this issue. Navient responded to say the reported information was accurate and they were not at fault for lack of communication/notification. The credit bureaus said they reported what they had received. 

All payments to this lender since the time of my discovery have been made on time in XX/XX/2015. I would also like to add that from XXXX to XXXX of 2015 I made payments totaling {$730.00} to show I was attempting to correct a problem I didn't create.
Product: Student loan

Respected Sir/ Madam, I am exploring the possibilities for financing my daughter 's XXXX education with private loan from bank. I am in the XXXX on XXXX visa. My daughter is on XXXX dependent visa. As a result, she is considered as international student. I am waiting in the Green Card ( Permanent Residency ) line for last several years. 

I checked with Discover, XXXX XXXX websites. While they allow international students to apply for loan, they need cosigners who are either US citizens or Permanent Residents. I feel that this is unfair. I had been given mortgage and car loans in the past which I closed successfully. I have good financial history. I think I should be allowed to remain cosigner on the student loan. I would be much obliged if you could look into it. Thanking you in advance. Best Regards
Product: Credit reporting or other personal consumer reports

Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record. The payments recorded are inconsistent and not accurate. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. 15 USC 1681s-2 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. Im requesting to remove this account for inaccurate reporting. Account : XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX
Product: Debt collection

ON XX/XX/17 Contact both the deb collector and the credit card original account holder none were trying to help me as i was trying to pay out my deb out front, i when to the XXXX XXXX store to see if i could pay it out there since the agent from the store on the phone could help me. they gave me the dirty look well we cant help you with that you need to contact the deb collector so i did and they gave me the speak well we cant accept no payments since we cant see your account so i toll both location So are you telling em that you cant help me to pay out my deb but yeah you still harassment with phone calls to pay up now that am going to pay none of both party 's cant seem to find my account or help me out. so the question i toll both company 's i dint own anything if you both cant help me in this situation? there answer was no sorry have a nice day. i was shock but at the same time interested a company that call me none stop demanding there money now they dint want it so i guest i dint own anything? 
hope someone cant get a clear picture my next step is to take it legal as they at the beginning did try to treated me by sending me to court and some posting as lawyers for the company they work for ... 

the company is XXXX XXXX and deb collector are call MCM midland credit management there account XXXX XXXX XXXX XXXX / XXXX XXXX account the amount balanced $ {$2500.00}
Product: Credit reporting or other personal consumer reports

This is my 3rd requests 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 Balance Owed : {$640.00} XXXX XXXX  XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX XXXX Balance Owed : {$12000.00}
Product: Money transfer, virtual currency, or money service

I submitted my picture ID ( Driv Lic ) on XX/XX/year> via upload. I confirmed with a customer service rep on XX/XX/year> that my document had been received. I received an email from Venmo stating that my account had been frozen and to activate my account I would need to upload my picture ID. I have not received an update and it is been XXXX business days as of today. I am growing increasingly concerned and stressed each day. No one from Venmo has contacted me for updates. I am becoming increasingly mentally and physically ill as a result of my money being held without an explanation. I am asking for an explanation why my money is being held against my will. I am asking for my account to be unfrozen and active as of XX/XX/year>.
Product: Credit card or prepaid card

I canceled my card due to fraud ( a reacuring charge I never authorized and Amex was unable to stop it ) and 7 months later I got a bill for {$200.00}. That is complete junk. Great way to take advantage of XXXX veterans.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX 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 or other personal consumer reports

Prior to Pandemic I had Impeccable Payment history XXXX credit score, I value being a financial responsible client/consumer. However, during XXXX I suffered from a major hardship, I had great death in my family I lost my former husband, who at the time was my primary source of income. I also was laid off my Job due to major cutbacks. Being a Widowed wife and a mother of 3 It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. In XXXX I reached out to XXXX XXXX XXXX XXXX XXXXXXXX in reference to 2 Accounts that I had at the time with them. ( XXXX & XXXX ) and requested Hardship options, I agreed to do a settlement with lender account was paid. I was informed me that account would be kept current, no late payments will be reported due to me agreeing to settle account. According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I contest that creditor remove all late payment history as soon as possible to be in compliance with the federal law. To ensure that creditor adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amends Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during XXXX XXXXcrisis. ( 15U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) This has been an ongoing issue I have reached out to them in XXXX, XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts still remain the same inaccurately Late Payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2016 I contacted XXXX XXXX listed as XXXX XXXX to assist me in opening a small business.We had a number of issues and I was charged for services I did n't receive. I left XXXX XXXX and they have apparently hired XXXX XXXX XXXX a collection company to collect funding from me. They have also added this account to a collections acct on my Equifax credit report. I can not dispute this because no one will give no the account number which shows up as XXXX. So I can not dispute this without a number no one can give me and they are trashing my credit after they have done bad business with me.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Demand for Removal of Inaccurate Late Payments XXXX XXXX XXXX  ( Account No : XXXX ) To Whom It May Concern, I am writing to formally dispute the inaccurate late payment information being reported on my credit report for the account associated with XXXX XXXX XXXX account number XXXX. It has come to my attention that two late payments have been recorded, which is a clear violation of my rights and is categorically unlawful.

Violation of Privacy and Unauthorized Reporting : Under 15 U.S. Code 1681b, credit reporting agencies must have my explicit, written consent to report any personal information, including my transactions and experiences with businesses. I have never provided such consent to XXXX, TransUnion, or XXXX. Your actions in reporting this unauthorized information are tantamount to defamation of character and deceptive business practices, which could potentially fall under RICO statutes, given the financial benefits gained from this unauthorized and illegal reporting.

Violation of the Fair Credit Billing Act ( 15 U.S. Code 1666b ) : According to this statute, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose if the payment was made within the required time frame. The reported late payments on my account violate this provision. I demand immediate removal of these inaccurate late payments from my credit report.

Violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681 Section 602 and 604A ) : Section 602 of the FCRA clearly states that I have the right to privacy. Section 604A, subsection ( 2 ) further prohibits consumer reporting agencies from furnishing any account information without my written instructions. Your agency has violated my rights under these provisions, and I expect immediate corrective action to be taken. 

Given these multiple and severe violations of federal law, I demand that you immediately : 1. Remove all reported late payments on the XXXX XXXX XXXXXXXX account from my credit report.

2. Cease any and all unauthorized reporting of my personal and financial information.

Failure to comply with these demands within 15 days will leave me no choice but to pursue all available legal remedies, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and initiating a lawsuit for defamation of character and violation of my rights under the Fair Credit Reporting Act and Fair Credit Billing Act. Additionally, the unauthorized and illegal reporting of my private information constitutes a serious violation that could lead to further legal implications for your organization. 

Please treat this matter with the urgency it requires and confirm the removal of this incorrect information in writing. I expect your prompt and full cooperation in resolving this matter. 

Sincerely, XXXX XXXX