23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Midland Funding has had my account past 7 years. Midland funding also forged an payment of {$10.00} on my account stating that was my last payment. That is not true. The continue to send me letters and it is pass the statue of limitations. I have file disputes with the credit agencies and also notified MCM Midland funding asking for proof of the {$10.00} no response. I also ask for this account to be deleted this account is 9 years old. I just receive a letter stating they are going to continue to report the debt as unpaid. When I called on XXXX/XXXX/16 they lied to me when they purchase the account while I was in the presence of an financial empowerment advisor dispute the collections. The representative at MCM finally admit that the credit was old after being caught in a lie. I receive an veiled threat letter XXXX/XXXX/16 from MCM by XXXX XXXX Division Manager of consumer Support Services at Midland funding by mail about my account by continuing to have my account label as negative remark unpaid for the rest of my life. MCM had my account over 7 years instead of deleting from my credit report. Midland Credit Management continue to leave a permanent scar on my life.
Product: Debt collection

The original debt was {$400.00} in XXXX  from XXXX. It was charged off and sold to XXXX XXXX XXXX collections. They have reported to the credit bureaus that it is {$780.00} and the debt is from XXXX. I disputed through the credit bureau and XXXX XXXX responded that what they say is accurate but I have the original documents that say otherwise
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Inconsistent Reporting of Charge-Off on Credit Reports Dear CFPB, I am writing to formally dispute the reporting of a charge-off by XXXX on my credit report XXXX Upon reviewing my credit reports from all three major credit bureausXXXX, XXXX, and TransUnionI noticed a significant inconsistency in the information being reported. 

On my XXXX report, the charge-off from XXXX was deleted and no longer appears on my record. However, both XXXX and TransUnion have discrepancies in their reporting. XXXX and TransUnion do not report this charge-off that was supposed the be deleted at all, which raises concerns about the accuracy and inconsistency of the information being provided. 

The inconsistency in reporting by the credit bureaus violates the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies must maintain the accuracy of the information reported. This situation demonstrates that the information provided by the credit bureaus is not accurate or consistent across all platforms.

Since all three reports stem from the same creditor and relate to furnisher, it is unreasonable for such conflicting information to exist. I believe this inconsistency is damaging to my credit profile and does not reflect accurate reporting. Therefore, I am requesting that the inaccurate charge-off information be removed from all credit reporting agencies immediately, as it is either misrepresented or inconsistently applied.

Please investigate this matter and take the necessary steps to ensure that my credit reports reflect accurate and consistent information in compliance with the FCRA. I look forward to a resolution and prompt correction of this issue.

Thank you for your attention to this matter. If you require any additional documentation or information, please do not hesitate to contact me. 
ps : i will attach the evidence Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up 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 accounts 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 XXXX XXXX XXXX .... Balance : - XXXX XXXX XXXX. Balance : - XXXX XXXX XXXX XXXX ... Balance : - XXXX XXXX XXXX XXXX XXXX XXXX Identification number XXXX Date filed XX/XX/2020 Status XXXX  XXXX bankruptcy discharge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOTIFIED ALL THREE CREDIT BUREAUS ABOUT XXXX   XXXX  XXXX XXXX BEING ON MY CREDIT REPORT. I XXXX XXXX XXXX DOES NOT NOR HAVE I EVER HAD A XXXX XXXX ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/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 XX/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 XX/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 XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A letter was mailed to Security Credit Services , LLC on XX/XX/2021 and received by their office on XX/XX/2021. The letter was submitted in regards to a dispute. In the letter amongst other issues, it listed that they were not authorized to do business or operate in the state of Michigan. They chose not to respond to that particular issue and continue to report this collection item on all 3 credit bureaus till this very day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified letters, documents, made contiounous phone calls in reqards to unathorized inquiries and a collection account that i have requested verification of and have no knowledge of and still havent got items removed yet
Product: Checking or savings account

PenFed FCU did not honor the {$250.00} promotional checking bonus even though I met all the requirements. 

On XX/XX/year>, I contacted PenFed FCU regarding the eligibility of the checking bonus offer, and XXXX created case # XXXX for it. ( attached the email message ). 

On XX/XX/year>, PenFed agent XXXX XXXX replied to my case and confirmed I would qualify for the {$250.00} bonus after meeting the requirements ( below ). ( also attached the message ) " Thank you for contacting PenFed. 
Yes, you will qualify for the {$250.00} bonus. As long as you open the account by XX/XX/year> and have two direct deposits put in the account before XXXX. 
Please feel free to reply to this email if you have additional questions. 
Sincerely, XXXX XXXX. 
PenFed Credit Union '' In XX/XX/year>, I opened the checking account. 

In XXXX and XX/XX/year>, payrolls were direct deposited to the checking account on XX/XX/year>, XX/XX/year> and XX/XX/year> respectively, which would meet the promotion requirements. ( attached the statement ) In some date in XX/XX/year> which date has already passed the bonus posting date in PenFed promotion term and condition, I still did not receive the {$250.00} bonus. I contacted PenFed through online chatting. The agent XXXX XXXX said below ( attached the screenshot ) : " I am showing that you did meet the terms of the offer. I have sent an inquiry to our marketing team to get a status of the credit for you. I can follow up with you via email once I receive a response. It can typically take 3 business davs for them to respond. '' On XX/XX/year>, XXXX agent XXXX XXXX sent me message with another explanation of the offer and denied my request for {$250.00} bonus ( Case # XXXX ). XXXX argued the checking account bonus and savings account bonus were bundled one that I had to meet both requirements. However, from reading terms and conditions of the bonus offer and confirmation from PenFed agent XXXX XXXX on XX/XX/year>, the offer is not necessary to be bundle one. 

I attached all screenshots, statements and messages for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two ( 2 ) accounts showing on my XXXX account. 

- Synchrony XXXX XXXX XXXX ) - Synchrony XXXX XXXX XXXX XXXX Synchrony XXXX converted my account to Synchrony XXXX a few years ago. There is only one ( 1 ) account but XXXX is showing two ( 2 ) separate accounts - with duplicate information.

I've attempted on several occasions to dispute this error without success. 

I spoke w/SH on XXXX XXXX to lodge a complaint. I spoke with a representative ( XXXX with ID # XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX, XXXX  and Equifax a complaint about an account and inaccurate inquiries that has been reported on my credit report. I sent them formal 609 dispute letters on XX/XX/2021 and haven't been able to get a response back after 30 days. I sent an additional 30 day demand and compliance letter once the time period of 30 days has passed and I still haven't received any response. They haven't been able to verify the inaccurate account that they are reporting on my credit report and I would appreciate it if they were to remove them immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  X/XX/2017    I attempted to pull my credit report from TransUnion 's website. Like many services that deal with confirming your identity they requested my credit card information.     There was a single reference to a subscription on the page prior to entering credit card details. " You may cancel your subscription anytime by contacting us or do nothing to have your membership continue without interruption. '' but no mention of price of subscription.     I enter my CC, confirm my identity and move forward expecting to get another screen to select a trial or level of subscription then complete the order. Instead they charged {$21.00} to my card beginning the subscription immediately.     I can find no reference to price of subscription in their service agreement or on any of the pages during signup.I will be disputing the charge with TransUnion but the practice is dishonest at best.
Product: Money transfer, virtual currency, or money service

My husband sent me XXXX from brokerage on his XXXX account to my Wells Fargo account. After 5 business I called the local branch for them to tell me it can take up to 10 business days to receive. After 10 business days I called again for them to say it's under investigation. They said they sent the money back to my husband 's brokerage account. After 5 business days XXXX informed my husband they have no knowledge of a transfer incoming from Wells Fargo. I called Wells Fargo to get the wire transaction number to help XXXX track it down only to be refused and told its under investigation and that someone will call me back at a later date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate debt collection Item was first disputed in XX/XX/2020 was successfully deleted from my credit report. Later returned in XX/XX/2020 disputed again in XXXX to Experian but was not removed, mailed certified letter to collection agency XXXX XXXX XXXX on XXXX XXXX ; for debt validation no response received within 30 days. Contacted Experian in XX/XX/2020 to have inaccurate information removed and it has not been completed. XXXX, XXXX {$820.00}.
Product: Vehicle loan or lease

I am writing to seek your assistance regarding an issue I have been facing with my credit report. 

In 2015, I experienced a sudden job loss which severely impacted my financial situation. As a result, I found myself unable to keep up with my payments, including those to Credit Acceptance. Recognizing my difficult circumstances, Credit Acceptance kindly offered to settle the outstanding balance. However, they advised me to contact the Consumer Financial Protection Bureau ( CFPB ) to request the removal of this information from my credit reports.
Product: Credit card or prepaid card

Some one tried to open an American Express Card in my name, at an address I have not even lived at in over 40 years. My sister still lives there and got these things in the mail. I am assuming someone either stole my SSN or is fishing. I have not contacted American Express since I do not " trust '' doing this. I have contaceted XXXX concernign this, and they can find no records of any activity on their end, but the notices, etc keep comong in the mail to my sisters address ( place I have not lived in for over 40 years ). I am suspicious that someone may have picked up my name, SSN, etc due to activity in the last few monts of recovering an old pension fund I had, which was issued over 40 years ago when I did live at that address.
Product: Mortgage

Tired of feeling like a hostage to this company : We had to do a loan modification during the pandemic and my mortgage has been in default ever since the new loan papers were signed. And despite the many phone calls me and my XXXX XXXX Loan Advocate have made Mr. Cooper absolutely refuses to work with me to bring my account current. 

1. I am a disabled XXXX  and due to my disability status I am not required to pay property taxes. After signing the new agreement in XX/XX/2021 Mr. Cooper took it upon themselves to pay property taxes to the city of XXXX when I was exempt. The supporting paperwork for the tax exemption was submitted and approved by the city of XXXX, however, the city of XXXX did not update their database in a timely manner. Despite the supporting documents submitted to Mr. Cooper, XXXX paid property taxes on my behalf pursuant to out of date website/database information and put me in default and threatened foreclosure proceedings. While this was eventually corrected and funds eventually returned by the City to Mr. Cooper, Cooper then fabricated issue # 2. 

2. After many months of being caught in the middle of the city of XXXX and Mr. Cooper while trying to resolve a property tax issue created by Mr. Cooper, XXXX finally excepted fault and paid back the city of XXXX and money taken out of my escrow account was returned. About 3 months later I received another foreclosure warning stating I am a full month behind in mortgage. At the onset Mr. Cooper said, with no real explanation, that this particular past due amount for the month in question was not covered under the COVID loan modification program. I then brought my XXXX  Home Loan Specialist in to assist. After further back and forth Mr. Cooper then stated that I missed a payment after the modification was agreed to. I have never agreed to this assessment, but due to a lack of resources decided to try to get current. 
a. Ive been paying mortgage + about {$100.00} every month to pay down outstanding balance. 
b. Mr. Cooper will not accept partial payments towards outstanding balances and has placed over payments into an unapplied funds holding. 
c. I get charged $ XXXX/month for the alleged unpaid month of mortgage. 
d. Its been about nine months and despite the {$70.00} a month charge the amount in the unapplied funds and the amount in my escrow now equal the amount that is past due. 

3. Now, Mr. Cooper still wont help to close this outstanding balance, stating that funds in escrow can not be released and will remain frozen until past due amount are brought current a. To reiterate, Im a disabled XXXX  and that means Im on a fixed income and Im already over extending myself to accommodate. 
b. At the current rate of {$100.00} payments towards outstanding balance minus {$70.00} in fees Im on the hook for XXXX knows how long. 
c. I keep receiving monthly foreclosure warnings. 

The money is there in the separate accounts Mr. Cooper decides to allocate funds to and unable to consolidate and redistribute due to the rules and procedures that Cooper makes up. Meanwhile, they gladly take my late fees and send threatening letters every month. 

Whats the solution?
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing this complaint in regards of ongoing dispute between the bureaus. their elaborate mechanism to compromise my reputation is working!! I have been away from my family due to these accounts reporting on my credit without the consent to report and that is violation of the fair credit reporting act, as well as the truth in lending act. These consumers reporting agencies are taking a advantage of me. 

15 U.S. Code 1681a ( b ) 2 Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include : ( b ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

According to the Truth in Lending 15 USC 1602, That's any card plate or coupon book existing for the purpose of obtaining money, property, labor, or services on credit.

( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

These agencies are violating the law.
Product: Credit reporting or other personal consumer reports

I am letting you know, respectfully that you are incorrectly reporting some information on my credit report. I'm pretty angry right now to be honest, but I know that mistakes happen. I trust you will fix the situation. Here is the wrong info : Account Name : XXXX XXXX, IN This account is reporting late on my credit report and I was never late with this account. The account is very inaccurate. It is also reporting being late on months that are not even on or matching the other reports. 

I keep immaculate records of payment history across all my bills and accounts, and there should be no late payment showing here. 

Inaccurate late payments like this are preventing me from obtaining credit that Im trying to apply for because it is lowering my credit score big time. I have already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can not be reported. 

I take this very seriously and I would appreciate it if you remove the late payment mark off this account as soon as possible.
Product: Credit reporting or other personal consumer reports

My identity has been compromised since before 2008 when I was XXXX  for XXXX XXXX  and people were opening accounts in my name and it has not stopped since. I really noticed the extent when I went to file taxes and they said someone already filed in my name. Also XXXX benefits, and who know what else that I have-not found or seen yet.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. XXXX  Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California XXXX); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. XXXX XXXX XXXX No. 95-6445 (C.D.Cal. XXXX XXXX XXXX), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.