23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is my second complaint because I 'm very dissatisfied because I still do n't have any proof of validation and You closed my case. My prior complaint # XXXX. The only thing provided was an old statement from 2014 from XXXX XXXX. I have sent them a certified 609 letter to validate and Midland still has not done so. I have copies of all my documents and receipts sent. I demand it to be removed immediately! 

And according to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) Midland Funding is required by Federal Law to verify-through the  physical verification of the original signed certified consumer contract of any and all accounts you request to be posted and/or reported on a credit report. 
And has not done so!!! 
I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with Wet Ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for this account. 

Under the FCRA, unverified, invalid accounts must be removed. 

Midland Funding, has been unable to provide me with proof. 
The law is very clear as to Civil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) since Midland has failed to comply with the Federal Law. 
I demand this collection removed from my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Re : XXXX XXXX XXXX Delete this account for reporting inaccurate information on date of first delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # : XXXX Closing Date : XX/XX/2014 Liability : {$0.00}
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 U.S.C 1681. Experian is governed by 15 U.S.C 1681, Experian has violated my rights numerous of times. I demand the account below be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX ACCORDING to 15 U.S.C 1681 ; I have the right to privacy and I did not give Experian written permission to furnish these accounts. I have no contract with this company
Product: Credit reporting or other personal consumer reports

the company XXXX XXXX bought my debt from original company and i do not have a contract with XXXX XXXX XXXX XXXX they dont not have my written consent to report on my consumer report they did not send a copy of 1099c that the company filled so that i can file with irs on my behalf also the selling and purchasing of my debt is a violation of my privacy this company is in violation of 15usc1692 ( g ) 15usc6802 15usc1681 ( b ) 18usc1028 ( a ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXX
Product: Debt collection

Equifax, XXXX and XXXX. It has recently come to my attention that neither XXXX XXXX nor its parent company XXXX XXXX XXXX. is licensed to collect any debts in XXXX XXXX XXXX. XXXX XXXX XXXX was licensed by XXXX Department of Consumer Affairs ( DCA ) from XX/XX/XXXX through XX/XX/XXXX. 
The current status of this debt collectors license is INACTIVE. ( See attachment ) Business whose principal purpose is to regularly collect or to attempt to collect personal or household debts from XXXX XXXX  XXXX residents MUST HAVE A DEBT COLLECTORS LICENSE no matter where the agency is located, including outside of New York State. XXXX XXXX  nor its parent company XXXX XXXX XXXX is licensed to collect debts from XXXX XXXX XXXXXXXX residents ( see attachment ) and has no right to try to collect this alleged debt. Nor do they have the right to report attempted collection of this alleged debt to any persons through any mediums.
Product: Credit reporting, credit repair services, or other personal consumer reports

Made several attempts to dispute. 
This was XXXX BK XXXX was filed in error!!!! Was not privileged to file and there no course of action was taken and was denied. 
XXXX  has failed to verify whom they spoke with at the US Bankruptcy, and how did they investigate! I asked them to remove, as it was filed in error and the time permitted to file was premature and therefore not enforceable. I asked credit agency to remove in XX/XX/XXXX and XX/XX/XXXX as well as XX/XX/XXXX. I stayed Please remove unverified public record
Product: Credit reporting or other personal consumer reports

I have tried to dispute all the items on my credit report with TransUnion and they won't let me see the new one but I am able to see the old report and I am not able to dispute anything on there. I tried getting n their website to dispute everything but I am going to call again in the morning to see if I can get some help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX RE : Dispute of Inaccurate Credit Reporting Under 15 U.S.C . 1681e ( b ) and 15 U.S.C. 1681i ( a ) To Whom It May Concern, I am writing to formally dispute inaccurate information appearing in my credit report. The account in question has been paid in full and reflects a {$0.00} balance, yet it remains inaccurately reported, negatively affecting my credit profile. This letter is sent pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ).

Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy in consumer reports. Reporting a paid-off account with a {$0.00} balance as anything other than accurate violates this statutory requirement.

Additionally, under 15 U.S.C. 1681i ( a ), upon notice of a dispute, the credit reporting agency is required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. I am requesting a thorough investigation into this matter and an immediate correction of my credit report to reflect the accurate status of the account. 

The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : ACCOUNT NAME : XXXXXXXX XXXX ACCOUNT NUMBER : XXXX Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation. If you determine that the information can not be verified, it must be deleted from my credit file as per the FCRA. 
I appreciate your prompt attention to this matter as these may seem like small reporting errors to you, but they are serious offenses on my report when it is time to purchase a home for my family, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. Thank you. 


Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Not my account XXXX XXXX XXXX XXXX XXXX XXXX Not my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not my account XXXX XXXX XXXX XXXXXX/XX/year> ; Not my account All this report is about TRANSUNION
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX AUTO XXXX / 30 DAYS LATE IN XX/XX/XXXX AND XXXX XXXX AS WELL AS 90 DAYS LATE IN XX/XX/XXXX. 

15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.
Product: Debt collection

I Recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove this account from my report. They are hurting my ability to obtain credit. 

XXXX XXXX
Product: Credit card

I have made XXXX calls requesting the decision letter concerning dispute : Case ID : XXXX Dispute Amount : {$630.00} Date Submitted : XXXX I have attempted to retrieve electronically and have also requested via mail. This communication is a 3rd request for this letter. Preferably I would like it emailed to me at XXXX and XXXX. 

Please follow up with me promptly as I understand this letter that I have been requesting since XXXX will not be available after XXXX  years. 

Thank you, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I purchased a puppy with Zelle and XXXX. Both are connected to my checking account and XXXX. Zelle pmt was {$500.00} and XXXX pmt was {$370.00}. The transaction turned out to be a puppy scam online through XXXX. I reached out to both companies and have had no response. 

The fact that both Zelle and XXXX are connected to my chase checking account I thought I am protected from fraudulent charges and scams. 

There has been no response from the companies regarding my fraud and scam. I am supposed to be protected by my bank or I would have never connected Zelle or XXXX to my account.
Product: Credit reporting or other personal consumer reports

I was diagnosed with XXXX XXXX XXXX XXXX in XXXX of XXXX and was in XXXX had an auto loan on a used XXXX XXXX XXXX XXXX got repossessed while I was in XXXX with no written or by phone notice.i wasn't able to make payment arrangements with the original XXXX looked at my credit report XXXX of XXXX and noticed Westlake pm was reporting a charge of account on XXXX XXXX and XXXX for the auto loan I had.ive never heard of Westlake pm and signed no contracts with this debt buyer.i disputed the account and it was deleted from my XXXX report and now it is still reporting on my XXXX and XXXX reports.they are reporting inconsistent incomplete and inaccurate information. Westlake pm acount # XXXX is violating my rights.it is reporting repeatedly charge off and that is manipulating the statue of limitations.According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.this account is violating my federally protected rights and I demand this account be deleted from my transunion and XXXX credit reports and also {$100000.00} in damages for the pain and suffering and the credit violations.it has caused me XXXX  XXXX and a lot of pain and suffering because I'm not able to get an auto loan.delete wetlake pm account # # XXXX from XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts are Listed on Credit Report that are Reporting Late payments, Chargeoff, and Write-off. These accounts are closed and Creditors refuse to send 1099..Credit Bureau won't remove inaccurate information because all 3 can't be active at the same time. Also reports from Child Support as well as Bankruptcy Court which the Courts Haven't Provided. But are included in my Reports. We are currently seeking a Home and this Process isn't working please help. XXXX TransUnion and XXXX are not helping
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history withXX/XX/XXXXXXXX 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 to be removed/updated.
Product: Checking or savings account

I opened a Citi checking account on XX/XX/2024 with a new checking account opening {$300.00} bonus promo and deposited {$1500.00} to full fill the bonus requirement. 
After a few days, my online account was locked. 
After a few weeks, I received a mail from Citi dated XX/XX/2024 that my account was closed without providing any reason and that the funds will be returned to me within 30-60 days. 

It's now more than 60 days, however I have not received my funds back yet.
Product: Mortgage

My client has been trying to do a short sale however his tenant has not been collaborating. Actually she does not want anyone in the home because she wants to purchase the property herself. If you can send something in writing that tenants or previous tenants can not purchase the property that would be great. Anyway my client had to hire an attorney and go to court. Her lease expired in  XXXX  and she did not get out of the home! The judge gave her until  XXXX   XXXX  to move out but she is not collaborating with showings. I have another chase short sale and I know that it has to go through the modification process first before it goes to equator. Is there anyway you can start reviewing our clients paperwork while the tenant moves out and we can get you an offer?
Product: Credit reporting or other personal consumer reports

My accounts 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 to be removed/updated. 

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! 

XXXX5 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.

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!
Product: Credit reporting, credit repair services, or other personal consumer reports

Between the end of XXXX and XXXX of 2022, I was approved for a line of credit of {$8000.00} through XXXX. Rather than transferring funds as needed into my existing accounts, I requested a separate credit card which the institution granted. The primary purpose of the loan was to have an active account reporting to my credit report to help increase my score. When I applied for the loan, my score was close to XXXX. Upon review of my credit report after the approval of the line of credit, I found that my score had plummeted XXXX points. When I spoke with a XXXX representative, it was confirmed that the {$8000.00} was cashed and deposited into a new account in order to issue the credit card which XXXX did not advise me prior to doing so. I am very aware how this would affect my XXXX and credit score therefore I would have never authorized the loan to be cashed and deposited. I asked for the name of the representative that processed the transaction and was not given the information. Aside from the issue with the personal line of credit, I was also informed by another XXXX representative that a monthly fee was being charged to XXXX of my accounts that should have never been charged since the account was meeting the requirements for the fee to be waived. I requested over the phone and in person for my account to be reviewed ; neither of the representatives provided assistance as I requested. I have contacted the institution via phone, online chat, and in person regarding the issues with my accounts. I am constantly pawned off to the next person and no one is willing to assist. I have given the institution and theit representatives ample opportunities to fix the issues at hand. I'd like to move forward with your assistance as the issues persist at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed credit inquiries that I do not recognize, unauthorized and are NOT mine. I must have been the victim a cyber hack or identity theft. These non account holding inquiries with : XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX are NOT mine. I do not recognize and did not authorize them. These inquiries are fraudulent. To my knowledge, I have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FCRA ) sec, 1681b ( c ) : transactions NOT initiated by consumers.
Product: Credit reporting or other personal consumer reports

I AM LIVID! I AM LITERALLY IN THE PROCESS OF MAKING A BIG PUECHASE WITH MY CREDIT AND XXXX XXXX HAS REPORTED INACCURATE INFORMATION TO MY CREDIT REPORT AND THEY WILL NOT FIX IT THE REP WHO WAS SO UNHELPFUL AND OVERSPEAKING ME AND PRETTY MUCH TELLING ME IM A LIAR TOLD ME I NEEDED TO MAIL IN DOCUMENTS TO HAVE IT FIXED. XXXX XXXX OFFERS XXXX XXXX ITS EVEN REPORTING THERE THEY REPORTED MY ACCOUNT IS ALMOST MAXED OUT WHEN MY STATEMENT CLOSED AT XXXX XXXX THIS NEEDS TO BE FIXED ASAP. THEY ARE PROVIDING ALL THREE CREDIT REPORTING AGENCIES INACCURATE INFORMATION INCLUDING THEIR OWN REPORTING. THIS NEEDS OT BE FIXED THEY ARE DOING THIS BECAUSE I AM XXXX AND THEY DONT EXPECT ME TO PAY ATTENTION TO MY CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection on my credit report Numerous times with all three credit bureaus only to have them come back and see that it is verified. So today I finally called this collection agency. I asked them for original proof that this was something I entered in to prove my identity and signature something to prove that the account belong to me. Provide me anything at all not even tell me anything because they can not even collect this debt in the state I live in they are not license thats XXXX XXXX XXXX XXXX XXXX la. Contact XXXX   XXXX and XXXX XXXX and they are very disrespectful when Im trying to explain this they want to cut me off and they are unable to hear reason that they have been violating my rights to report accurately verify the information when I dispute it because I have disputed it multiple times and if they cant give me the information this company they sure as heck cant give it to Bureau because they can not practice collections in the state of North Carolina. The company agreed supposedly to delete this item but I have yet to see
Product: Debt collection

Apartment is saying I owe them money that I dont owe and have made up charges
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I have had a student loan on my credit report from when I started school at XXXX in Fall of XX/XX/XXXX. I only took out federal loans to pay for tuition. However, the particular loan in question is a private one given by XXXX and is not mine. I never payed it any mind because I assumed it was actually my outstanding balance on my student billing account I have with them, which I've been paying off in installments. 
Now, years later, in XX/XX/XXXX, payments for that student loan suddenly stopped, which showed on my credit report. I received no other notice ( since it isn't actually mine ). I looked at it more closely and saw that it isn't my outstanding account at all. The payment amounts and balances don't even match : I owe {$1200.00} as of now ; I've been making payments of {$50.00} every month ; the student loan has a balance of {$3600.00} as of now ; it states that previously payments of {$40.00} were being made every month. No payments have been made since XX/XX/XXXX. I asked XXXX student account services about it. They said they don't report my outstanding balance to credit bureaus. That means the word " XXXX '' shouldn't even be on my credit report, making the amount I actually owe ( {$1200.00} ) irrelevant. I asked them if there are any loans I owe them. They are unaware of none, apparently. 
Naturally, I file a dispute with both XXXX  and TransUnion, as they are the ones reporting the account. XXXX  swiftly determines the account does not belong to me. TransUnion, however, somehow concludes that it is mine, with no explanation. I file another dispute with TransUnion, showing some evidence of my emails with XXXX student accounts services, pictures of my account statements ( which don't show me ever taking out a loan with XXXX, only federal loans ), as well as evidence that XXXX found it to not be mine. Now, TransUnion has yet again mysteriously determined that the account is mine. I don't know what account this is, so I couldn't even make the payments if I wanted to. Needless to say, this is very frustrating. I suspect that TransUnion is not doing its job and actually isn't investigating at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

See proof attached. 
Over 30 days has past. 
Paid for deletion, yet account still reports, and reports derogatory. 
I have written proof that if paid, account will be removed from my report. As well as proof that it is paid.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I filed a dispute with XXXX, XXXX, Transunion regarding student loans being reporting on my consumer report. Per FERPA these companies are in violation of my privacy rights. The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post secondary schools. Im requesting for these bureaus to be in compliance with the federal law and remove this data from my consumer report indefinitely