23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Midland Funding LLC bought the debt from Original Lender 01XXXX XXXX, date reported XX/XX/XXXX Midland Funding Shows the account opened XX/XX/XXXX acually account was opened in XX/XX/XXXX. Midland Funding posted account 30days past due on XX/XX/XXXX followed by turning it over to collections on XX/XX/XXXX and posted on my credit report posting a derogatory statement on my credit profile. I filed a complaint stating I was incarcerated during the time midland funding shows account was opened XX/XX/XXXX and said I was disputing. Midland Funding address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX California.
Product: Debt collection

This company is trying to collect a debt that is not mine, they are also reporting this in my credit without been properly verified as require by the FCRA 15 USC 1681 they are require to have properly verified this debt before placing this item on my credit report and have a hard copy with the original application with my signature on it as well as name, number, address, position held by person contacted to verified this debt. Note that a scrren shot is not unacceptable validation proof in a court of law. I am a litigious consumer and intent to use my right to clear my good name.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : Firstpoint COLL reso
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many 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 items that are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed 3 negative accounts on my credit report EXPERIAN on XX/XX/2020 and received the results back report # XXXX XXXX out the 3 accounts XXXX XXXX # XXXX & XXXX XXXX XXXX XXXX outcome is listed as DELETED. I have an updated credit report which shows they have been removed .However it still shows on my credit report when a merchant runs my report. I called experian spoke with a XXXX who was very rude and he confirmed the items are still showing on his end!! I gave him the dispute report number he refused to make the correct changes Ive contacted XXXX their verification is inaccurate I cant get my report from them, both XXXX XXXX and XXXX are reporting inaccurate information because of it my credit score is inaccurate and I have been declined credit!
Product: Debt collection

I disconnected XXXX ( XXXX ) XXXX landlines, cable TV, and Internet services in the summer of XXXX when I moved to a new address, At the new address, I opted for XXXX to provide me with Internet service. Every month all my bills for the previous address to this telecommunication company were paid on the due dates. As a result, there was no balance. 

A few weeks later, XXXX requested me to return its equipment, so I drove XXXX miles and returned it at its store, and was given a receipt for it. In the next few days, I received an email from XXXX that had got the equipment from me. However, I started getting notices and calls from XXXX that I owed {$110.00} for the equipment. Therefore, I contacted the FCC about the issue. Within a day, XXXX XXXX from the XXXX Executive Care Team contacted me and told me that he would investigate. In the next couple of days, he called me and told me that they no record of the return of the equipment but as goodwill his company was mitigating the charges against me. However, phone calls and demand letters continued until I got a collection letter, dated XX/XX/XXXX, from XXXX XXXX XXXX XXXX. I replied to them on XX/XX/XXXX, emailing a copy of it to XXXX XXXX. ( He failed to respond. ) Then, XXXX weeks ago, I received another collection letter, This time the demand note came from Eastern Account System of Connecticut, LLC, seeking {$110.00}. I am replying to this collector under today 's date ( XX/XX/XXXX ), with a copy of it to be emailed to XXXX XXXX, denying owing the alleged sum. 
Categorically, I do not owe anything to XXXX, XXXX, Eastern Account System of Connecticut, LLC, or any of its agents.
Product: Checking or savings account

On XX/XX/2022 I was contacted by an individual claiming to be from Bank of America claiming that there had been reports of fraudulent activity on my account. They talked me through the process of signing into my account including gathering personal information such as account pin numbers and the phone verification codes under the pretense that they were signing into my Bank of America account. 

These individuals used my info to place fraudulent charges on my accounts. The first was a XXXX transfer from my credit line to my checking account. They then used debit card info to send an unauthorized charge of {$6900.00} at XXXX 's. 

After filing claims with bank of America and being assured by Agents at the XXXX XXXX and XXXXXXXX XXXX  branches that the claims were legit, my claims have now been denied by Bank of America of the grounds that they were considered authorized.
Product: Student loan

I am eligible to receive loan forgiveness of {$17000.00} per the XXXX Loan Forgiveness Program. To receive forgiveness, you must be XXXX a qualifying subject at a Title-1 school for 5 consecutive years. I have fulfilled this requirement, though at two schools. My first two years XXXX, I was XXXX special education at XXXX XXXX XXXX XXXX XXXX which is in a Title-1 school district. I then moved to XXXX XXXX XXXX XXXX in XXXX ( Title 1 district ) and began XXXX 6th grade math ( qualifying subject ). I have applied for XXXX loan forgiveness ( which I know I am eligible for as a few of my colleagues have received forgiveness teaching the same subject ( s ) ) and have been rejected on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX While I understand that my earlier applications were rejected due to submitting prior to end of the school year, the application rejected on XX/XX/XXXX was submitted on XX/XX/XXXX, after I completed my 5th XXXX  year, and my application was rejected as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received my the first copy of my credit report I found many errors starting with my personal information leading to account information that were never corrected with the following Credit Bureaus Equifax, XXXX, and XXXX. On that day I wrote a letter to all 3 Credit Bureaus stating that my personal information was incorrect on my credit report, they did not correct that information. I then wrote a letter on XX/XX/XXXX stating and describing all 19 items that are reported on my credit report are being reported inaccurately and needed to be corrected or deleted. They have failed to correct that information. I then wrote a letter on XX/XX/XXXX stating the same information again and they have failed to correct it. Im reaching out to your company to help me get through to the Credit Bureaus that I have been done and injustice and they are wrongfully reporting inaccurate information on my behalf that is causing me great stress and financial hardship by not being corrected.
Product: Mortgage

I have a mortgage serviced by US Bank. The mortgage servicing includes escrow services. On XXXX I sent the my city tax bill for {$1000.00} which was due on XX/XX/XXXX. On XXXX I mailed them my county tax bill for {$6100.00}, due XX/XX/XXXX. On XX/XX/XXXX I received a delinquency notice from the city that my {$1000.00} bill had not been paid and they were assessing {$100.00} in penalty. I called US Bank that day and was told that they would research my case and give me an answer no later that XX/XX/XXXX. They told me on that phone call that payments had been made on XX/XX/XXXX for {$750.00} and XX/XX/XXXX for {$4200.00}. Both not the amount of my tax bills, likely bills for another property. 

The XX/XX/XXXX date for response has not been met and both bills are unpaid. I have penalties imposed and I worry about where the {$750.00} and the {$4200.00} were applied. I am 62 years of age, a CPA and have never paid a bill late in my life.
Product: Credit card or prepaid card

I did not open these accounts and I strongly suspect that they are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

inXX/XX/2019 i submitted a dispute to transunion because they were incorrectly reporting my balance for my XXXX XXXX account ( # XXXX ) and my XX/XX/XXXX XXXX XXXX account ( # XXXX ). for two months they did not update the XXXX  balance on these accounts. upon receiving the results of the dispute, i was notified that the accounts were removed and that transunion would no longer report them. this made my credit score plummet severely. the XXXX XXXX limit is XXXX and the XX/XX/XXXXXXXX XXXX limit is XXXX. when i called them back they stated i was an authorized user and that they were not obligated to report. this subtracted XXXX from my available credit and was detrimental to me. i was denied housing because of it. when i called again transunion stated that if the primary card holder requested that i be reinstated on the reporting that they would resume reporting. after doing what they said they still have refused to report my credit history on these accounts.i have been paying these accounts on time and have maintained creditworthy history that i need reported. 
transunion is also reporting incorrectly on my XX/XX/XXXXXXXX credit card account. this account is paid in full and agreed by credit grantor to be deleted. transunion is reporting it to still have a balance and charged off.
Product: Debt collection

I have been trying to remove this account from my report. I have tried to do factual disputing but I never hear back. I tried doing so in XXXX and XXXX and XXXX. This is only listed on XXXX or XXXX not on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 and XXXX XXXX XX/XX/2021 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

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and Equifax have 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 an 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 or 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 data is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX Balance Owed : {$4500.00}
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and corrected for erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I were looking to purchase a new home and submitted an application for pre-approval. When our Real Estate Agent advised me that I had some collections I needed to pay off, I was confused because I have never ever used my credit for anything ever. I have always paid cash for everything I have ever had or my wife puts everything in her name. I looked at the report and reviewed it and noticed that there were items that belong to my father, XXXX XXXX XXXX, reporting on my credit report. I submitted request on XX/XX/XXXX to XXXX, XXXX, and TransUnion to advise them that they were reporting my father 's credit collections on my credit report and asked them to remove them. All 3 credit bureaus indicated that they were completing an investigation. XXXX removed all of the items after their investigation, XXXX  removed only 2 of the 4 items, and TransUnion removed 2 of the 4 items as well. I am scratching my head as to why XXXX and TransUnion only removed 2 items and not all 4 because none of them belong to me. I sent in a written request to XXXX  and TransUnion on XX/XX/XXXX advising them again that they reporting was incorrect and violating my rights under the Fair Credit Reporting Act and also provided them with the finding of XXXX. I also requested that they send me copies of the information the claim to have received to verify that the collection items belonged to me because I knew that there was no investigation done that verified debts that do not belong to me as valid. They have stopped replying after my 2nd attempt.
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 XXXX XXXX XXXX. 

XXXX XXXX  - Account number # XXXX XXXX XXXX-Account number # XXXX XXXXAccount number # XXXX XXXX  XXXX -- Account number # XXXX FINGERHUT-Account number # XXXX XXXX XXXX XXXX- XXXX XXXX XXXX-Account number # XXXX XXXX XXXX XXXXAccount number # XXXX XXXX XXXX XXXX-account number # XXXX XXXX & XXXX XXXX XXXX number # XXXX XXXXXXXX XXXX XXXX-account number # XXXX XXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with Forever 21 since 2018. The card was not required to be used or paid on monthly. I never had a late payment or anything negative associated with that account. I randomly get an email from credit karma informing me I had a change in my credit score. Forever 21 closed the credit card out without as much as a mailed or emailed warning, all the while they are still continuously sending me emails for their clothes they have on sale. This dropped my credit score by 40 points. Forever 21 filed for chapter XXXX bankruptcy and therefore had to close down several stores and have all of their clothes on a very high sale price online. I don't believe my credit score should drop 40 points for something i had no control over. I was currently looking for apartments and now my score went from the 700 's to the 600 's.
Product: Mortgage

I've provided many complaints on the issue. I'm now attaching a ruling by the Supreme Court that relates to the seizing of property worth over {$800000.00} and the amount of debt they are claiming, which is false, is less than {$10000.00}. let that one sink in
Product: Credit reporting 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. 

XXXX 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. Or list of inquiries 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 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: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX XXXX, XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXX XXXX XXXX, XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Product: Debt collection

This is regarding the XXXX XXXX XXXX and subsequently a debt collection agency called Contract Callers , Inc. 

I vacated my apartment in XX/XX/2021. The account was marked as satisfactory and closed as of XX/XX/2021. My electric account statement shows that all my balance was paid in full. However, a couple of weeks ago, I check my credit report and see that a debt collection agency has reported me for not paying my electric bill. I have always paid my bill on time through autopay. Neither the electric company, nor the debt collection agency made any attempt to contact me via email or phone even though they have all my information with them. 

Upon contacting the energy company, I was told that I had a pending bill. When I told them my account number and informed them that the pending balance is {$0.00} and the balance is paid is full, they tell me that you won't see the last balance because your account was closed, but you have {$170.00} pending. How am I supposed to know that there is any pending balance when I check my account summary and it say paid in full. 

When I asked them this question, they say that you were sent an email, but I have no email records from the company. I've been trying to get in touch with someone to help me out with this issue, but no one is helpful. 

This is reflecting on my credit report now, and neither the electric company nor the debt collection agency are willing to help. I want to reiterate that no attempt was made to get in touch with me for close to a year either by email or phone.