23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX 
Debt Buyer midland credit management XX/XX/XXXX Seriously past due date / assigned to attorney, collection agency, or credit grantor & apos ; s internal collection department XX/XX/XXXX {$1.00} XX/XX/XXXX 0 % Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance {$1100.00} {$1100.00} Terms 1 Month Responsibility Individual Your Statement : **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Item is still on my credit report my identity was stolen and some one used my info to obtain a credit card I do no not have any knowledge of this account I tried contacting the company to let them know that for a while now it keeps reporting month after month that Im late on payments that I have no knowledge of please remove please
Product: Debt collection

I contacted Resurgent Cap Services on XX/XX/2023 via Certified Mail to dispute the amount they claim I owe as well as asking for verification of debt because I believe it to be wrong. I was not given the information I requested within the required time frame to validate the debt. 
Again, I believe the amount they claim to be wrong and after explaining and disputing for this reason they continued to contact me by phone to collect the debt as well as sending me additional bills in different company names such as, XXXX XXXX XXXX XXXX. I have copies of verification of debt request, debt validation letter, as well as copies of certified mail receipts. I also have copies of the bills I was sent in different names and copies of calls that were made to my phone after I had disputed and requested proof of debt.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issue 's such as Faling to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a CLOSED visa credit account at XXXX XXXX XXXX which is disputed and affected by a natural or declared natural disaster. The FCRA and Metro 2 protocols require reporting my CLOSED account as ( 1 ) disputed and ( 2 ) affected by natural or declared disaster. However, my XXXX, Equifax and XXXX credit reports fail to accurately reflect that my account is disputed AND affected by a natural or declared disaster. Therefore, my credit reports are inaccurate and not complete for failure to contain the mandatory information. Either delete my XXXX XXXX XXXX XXXX account or include the statutory reference that my account is both disputed by consumer AND affected by a natural or declared disaster. I insist on 100 % compliance with the FCRA and all Metro 2 protocols including the reporting on paper credit reports of all data reported in the Metro 2 submissions. I also insist on 100 % compliance with necessary internal controls to prevent Facially False Data from appearing on my credit reports. My credit report has daily entries where the data entry for Closed account is removed then at some time later replaced with a dispute code then deleted again with a code for consumer affected by a natural disaster thereby affectively changing a closed account to an Open account. Since the entire Metro 2 system is incapable of complying with the FCRA to prevent Facially False Data from reappearing ( such as a dead person coming back to life ) ( or a closed account being later reported as open ) then my account must be permanently deleted to avoid further willful violations of the FCRA.
Product: Debt collection

I was in XXXX from XX/XX/XXXX until XXXX of XXXX. Some accounts were opened in my name while XXXX
Product: Checking or savings account

Good afternoon : I received a promo code in the mail for {$300.00} for opening a Chase Business account. Upon opening the account, the promo code was not added due to a system error. I called the branch manager, and he told me it was added. I tried to confirm with customer service ; and they said the manager was in the wrong that there was no system error or even an attempt on his part to add it. 

I called him back and explained to him that I needed this taken care of and could not come into the branch any longer due to health concerns because of COVID-19. He rudely replied that he had no solution for me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S.C. 1681 section 602 states I have the right to privacy. Under 15 U.S.C. 1681 section 604A section 2, it also states that a Consumer Reporting Agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXXXXXX XXXX XXXX XXXX : Account number XXXX XXXX XXXX : Account number XXXX XXXX XXXX : Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX : Account Number XXXX XXXX : Account Number XXXX XXXX XXXX XXXX : Account Number XXXX XXXX XXXXXXXX XXXX : Account Number XXXX
Product: Credit reporting or other personal consumer reports

I contacted the companies first and allowed 30 days to provide me with the information I requested from the hard inquiry. Zero response from them so contacted Transunion, XXXX, and XXXX two months ago. XXXX and XXXX removed all the information and one collection account from my reports. Transunion has not removed the collection account XXXX thats medical records/debt thats not even mine. The collection agency stated on XXXX  they have removed this fraudulent account from all three credit bureaus. Transunion yet to remove this account and is hurting my ability to obtain lifesaving medical benefits for my life. Please delete immediately.
Product: Debt collection

I have paid my account in full ( less than 30 days since receiving notice ), and I am still receiving multiple calls per day. Today I received a call from Pinnacle debt collection and told the person that I wanted to speak with the representative of the company that holds my maintenance dues in order to sort out why they are saying I owe more money than was paid. He refused to hang up and blocked my line from being used for outgoing calls. I would hang up and wait 30 seconds and pick up the line to call out and he was still there. This happened for over 20 minutes and I found it extremely uncomfortable and intimidating. I also realized that I was unable to call out if there was an emergency in my home.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXXritten off. {$7200.00} Charge Off {$7100.00} Closed account 15usc1681 ( a ) ( 2 ) you are reporting information that is said to be excluded from my consumer report that involves information as to transactions or experiences between myself and a consumer.You are in violation
Product: Credit reporting or other personal consumer reports

Formal Complaint Request for Debt Verification and Dispute Resolution Complaint Reference : 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 To Whom It May Concern, I am filing a formal complaint regarding the failure of XXXX XXXX XXXX XXXX to properly verify a debt on my credit report and provide adequate documentation to support the claim made by XXXX XXXX XXXX XXXX the current owner of the debt. Despite multiple attempts to resolve this issue and previous requests for debt verification, I have not received any documentation that meets the legal requirements outlined by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Here are the specific details of my complaint : XXXX. Inaccurate Debt Reporting : The debt in question, account number XXXX, is reported as originating from XXXX XXXX, charged off on XX/XX/year>, and currently owned by XXXX XXXX XXXX. However, I have repeatedly requested verification of this debt, including the original signed contract, a Bill of Sale confirming the debts transfer, and proof that XXXX XXXX XXXX XXXX is authorized to collect on the debt. Despite several requests, I have not received any of this documentation. XXXX. Failure to Provide Documentation : In response to my requests, XXXX XXXX XXXX XXXX has only provided a general account summary and balance, with no proof or legal documentation validating the debt. This failure to provide proper verification is a violation of 15 U.S.C. 1692 ( g ) of the FDCPA, which requires that debt collectors provide a complete validation of the debt upon request. 3. Violation of Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to ensure that any information reported is accurate and verifiable. As XXXX has failed to validate this debt, the information remains inaccurate and should be removed from my credit report. Additionally, XXXX XXXX XXXX has failed to provide the necessary documentation to establish their legal right to collect and report this debt. XXXX. Request for Immediate Removal of Debt : Given that no proof of this debt has been provided and the information continues to be reported inaccurately, I am requesting that this alleged debt be immediately removed from my credit report and from any other credit reporting agencys records. I have already sent a formal letter to XXXX XXXX XXXX XXXX outlining these concerns, but as of today, no satisfactory response has been received. I am requesting that the CFPB intervene in this matter to ensure that my rights are protected under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I kindly ask that you assist in resolving this matter, ensuring that XXXX XXXX XXXX XXXX provides the required documentation or removes the inaccurate information from my credit report. Thank you for your attention to this matter. I look forward to your assistance. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Code 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 15 U.S. Code 1681b Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 18 USC 1028A provides that aggravated identity theft occurs when a person commits a crime and also knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person.
Product: Debt collection

This is a follow up concerning case # XXXX. Current complaint # XXXX, In XX/XX/2018 case # XXXX. 
This time under the name Midland Funding LLC. Sued me on XX/XX/2018. After CFPB got involved Midland apologized. 

Case XXXX after CFPB Midland agree and agree that my address was going to be put in do not Mail As you can see they sue me on XXXX different time for the same for the same debt. They use different names But is the same company. 

They are not living to their commitment to CFPB.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : 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 XX/XX/XXXX : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 student loans with the U.S. Department of Education. I am currently doing the loan forgiveness program. The loan amounts total is XXXX. My loans have been transferred to many different companies causing duplicate information for the same loans on my credit report. Ive tried asking each company to remove the duplicates from my file without any luck. My credit is suffering considerably. The companies listed on my file are XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, US Department of ed/XXXX/all opened XX/XX/XXXX, US Department of ed/XXXX/XXXX opened  XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, Dept of education/XXXX   opened XX/XX/XXXX, Dept of education/XXXX opened XX/XX/XXXX, XXXX XXXX XXXX/XXXX  opened XX/XX/XXXX, AES/XXXX XXXX XXXX opened XX/XX/XXXX, Aes/XXXX XXXX   XXXX XX/XX/XXXX. Every one of these loans are for the same loan causing clutter and damage to my credit report. I reported this to XXXX and XXXX but nothing has been done. Please help me remove these student loans from my report and update my current loans with the US Department Of Education.
Product: Debt collection

Feldman and Stern has repeatedly called my phone, even going as far as to call MY WORK phone ( i work at XXXX XXXXXXXX  ) and leaving voicemails talking about my debt owed. I am not sure that this is appropriate and I have called a law office that said that this company is a scam and has been sued many times with no response from the company itself. I would like to file a complaint about this in hopes that they will not contact me again.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I wrote to you requesting an investigation into items that I believed were 
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. Experian 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 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. Trans Union Corp., No. 95-6445 (C.D.Cal. XXXX XXXXXXXX), 
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
Product: Credit reporting or other personal consumer reports

XXXX and Equifax said that they're already DONE doing their secondary investigationon those disputed COs that were issued on my credit files. They said they have confirmed it with thefurnishers of the information. BUT upon checking my updated credit report today, they didn't even update their comments or remarks from it. It was all the same old comments that they've had in my past credit reports. It only means that they have NOT really done any investigation after all. If they really talked and confirmed it with the creditors, they should've deleted these accounts in the first place because they have added these accounts on a wrong credit profile.
Product: Debt collection

Capio collections agency, has continuously called my phone attempting to receive payment of debt that I do not have with XXXX hospital in XXXX, Virginia. The agency 's reps. claim a balance of {$960.00} from a visit to the XXXX on XX/XX/2020 was sent to their collections agency on behalf of the hospital. However, I am fully insured and have contacted the XXXX hospital billing department numerous times regarding the alleged balance, and they have informed me that I do not have a balance nor have any past or present bills sent to collections. The XXXX billing department has also informed me that they don't have partnerships with the Capio collections agency to collect patient debt on their behalf. More importantly, the Capio collections agency has knowledge of my all of my information such as, social, full name, address, and account number with XXXX hospital. Many of the representatives sound un-professional and lack customer service etiquette working with the Capio collections agency. They have also sent letters that I no longer have or can find mimicking an actual debt collections agency report. I am reporting the agency as fraudulently trying to receive payments from patients and harassing me with constant calls regarding the made up debt. The number the collection agency has called from includes a local area code, but each time I call a different person answers as if the calls are diverted to different phones. The phone number they last called from was ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a dispute against XXXX, XXXX XXXX Equifax consumer credit reporting agency, for their violation of my right to privacy and their unlawful furnishing of data onto my credit report without my written consent on XXXX XXXX XXXX  Acct # XXXX According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i credit reporting agencies like XXXX, XXXX XXXX Equifax are required to obtain written consent from consumers before furnishing their data to third parties. However, I have recently discovered that XXXX, XXXX XXXX Equifax has furnished data onto my credit report without my written consent, which is a direct violation of my rights under the FCRA. 

Furthermore XXXX, XXXX & Equifax has not been transparent about the data that they have furnished onto my credit report. They have failed to provide me with a clear and complete disclosure of the nature and scope of the information that they have collected and disseminated about me. 

As a result of XXXX, XXXX & Equifax actions, my privacy has been violated and my credit report has been negatively impacted. I have suffered financial harm as a result of XXXX, XXXX & Equifax unlawful furnishing of data, which has caused me to be denied credit or to receive credit on unfavorable terms. 

I am requesting that the Consumer Financial Protection Bureau investigate XXXX, XXXX & Equifax for its violations of the FCRA and take appropriate action to ensure that my privacy is protected and that they cease all unlawful furnishing of data onto my credit report without my written consent Thank you for your attention to this matter.
Product: Mortgage

Hello, I had mortgage with Bank united and now when I call or see online account, it 's no longer there, there is no help at all, they said they sold my mortgage but there is nothing send to me, please help
Product: Debt collection

Portfolio Recoverr, a debt buyer company reporting as a factoring company on my credit reports had two accounts listed as collections from XXXX XXXX. Those accounts were never validated. I never received an original consumer contract. I decided to settle the amounts because the collection implied that it would be removed. Portfolio did not remove the accounts. The rep coerced me to settle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XXXX XXXX XXXX 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 XXXXXXXX Balance : {$440.00} ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$180.00} ; XXXX XXXX Balance : -.
Product: Debt collection

GLAis continuing to report a item on my XXXX report that is fraudulent. The item is currently under investigation with the FTC, yet XXXX is still attempting to break FCRA guideline by reporting the fraudulent item on my XXXX  report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On date XX/XX/2020, I noticed that XXXX  XXXX XXXX is still reporting on my credit report. This credit is over ( 7 ) years old. Due to the statute of limitations on debt in the state of NY in which I reside in this account must be removed
Product: Debt collection

Bank of America has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation credit card XXXX XXXX XXXX FRCA Violation collections XXXX XXXX XXXX  FRCA Violation inquiries XXXX XXXX XXXX XXXX XXXX XXXX  FRCA Violation personal information XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX