23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/year> I received an email from Midland Credit Management claiming that I owed debts that are already paid. This company has employed ways of misrepresentation in claiming that I owe them payment. Per the prospectus report of XXXX XXXX, it states " The primary source of funds for the payment of principal of and interest on the notes is the collateral certificate issued by the XXXX  trust to the issuance trust. '' See XXXX XXXX. Per the same prospectus, it states that " XXXX  trust makes payments on the notes ( principal payments reduce the nominal liquidation amount of the notes and the invested amount of the collateral certificate ) ''. How then does the consumer/invertor owe any debt if the master trust makes principal payments relating to XXXX 's XXXX in the master trust? Midland Credit Management seems to have employed some type on money scheme and has furnished deceptive statement that coerces the consumer into believing they owe a debt. Per the current flow chart of the same prospectus, I am the consumer/investor and the amount you claim is due to you, are notes/credits due to me. After my tendered, endorsed and signed application was submitted, it was then converted into a receivable/treasury marketable security by XXXX Credit Card XXXX XXXX XXXX XXXX from there XXXX XXXX XXXX receives payment for increase in collateral certificate. How is it that the consumer owes any debt? On pg. XXXX of the same prospectus, there it states that " The issuance trust will pay the proceeds from the sale of a class of notes to XXXX. XXXX will use such proceeds to increase the investor interest of the collateral certificate, acquire additional receivables, and for its general corporate purposes. XXXX will be responsible for the payment of all expenses incurred in connection with the selection and addition of accounts designated to the master trust. How then does the consumer/investor owe debts to you? Why then, was my open- ended revolving credit account closed for non-payment? Please see attached current flow chart.
Product: Credit reporting, credit repair services, or other personal consumer reports

These Bureau 's continue to report unvalidated information on my credit report. Ive requested numerous times that this debt from XXXX XXXX be deleted from my consumer report due to lack of validation and proof that it was authorized by myself. I've even reached out to XXXX and there has been no response back. My next step is to file a civil suit against this bureau due to their lack of following the law and procedure. This action violates FCRA SEC 623, and is defamation and willful injury. I called and one of the reps was very rude to me. Another rep hung up in my face after asking the process of how these accounts are validated before they are placed on our consumer report. The rep pretty much said there is no PROOF required and its the company 's word against the consumer. Which is odd, so the consumer has to submit proof that its not theirs but the company submitting is not required to send contract binding proof that this alleged negative account belongs to the consumer. This sounds like ill will and character assassination in my opinion.How is this accurate and fair reporting if the accounts are not investigated before communication with the consumer or proof of a binding contract from the company submitting the information, and how is this permissible seeing that I am not in any consumer credit transaction with your company. Please explain this.Per 15 U.S.Code 1681b ( a ) ( 2 ) 1681b ( a ) ( 2 ) - CRAs need written instruction to make a consumer report by the consumer. Per 15 U.S.Code 1681c-2 ( a ) with appropriate proof of the identity, a copy of an identity theft report, and a statement by I, the consumer stating the information in connection with XXXX XXXX XXXX not relating to any transaction by myself, XXXX XXXX and Transunion are required to place a block on my consumer report on the information associated with XXXX. This information would not be blocked in error, if you feel there is misrepresentation or there was any possession of goods, services, or money obtained please send me a statement signed under the penalty of perjury with evidence of this counterclaim. I've submitted an identity theft report along with a police report explaining how I did not authorize this account to be opened and that this unauthorized account is still being reported on my consumer report. As the consumer I'm entitled to know how these accounts are verified and XXXX and Transunion refusal to cooperate is unacceptable and goes against my consumer rights under FCRA.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX Owed : {$0.00} XXXX  XXXX XXXX Owed : {$0.00} XXXX  XXXX Balance XXXX : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Owed : {$0.00} XXXX  XXXX Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$56000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is in Violation of 15 USC 1681b Equifax is in Violation of 15 USC 1681b XXXX is in Violation of 15 USC 1681b
Product: Debt collection

XXXX XXXX XXXX., does not own debt and is not authorized under XXXX to collect on debt correct amount {$150.00} as evidenced with incorrect collection amount XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second attempt sincethey have failed to respond to my previous disputes, and remove innaccuracies. This company is in direct violation of the FCRA and my consumer rights. I will be seeking monetary damages for willfull noncompliance and negligence if this matter isn't resolved immediately. 

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 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 am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They  have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is past the Statute of Limitations in Idaho, however it is still reporting to my credit. I no longer owe this debt and I would like it to be removed off of my credit report.
Product: Debt collection

I have received multiple phone calls and letters from an attorneys office that reports that they are acting on behalf of TD Auto Finance. The letter from TD Auto Finance/XXXX XXXX XXXX is very threatening and intimidating as they are stating Under Georgia Law I must pay this debt within a certain amount of days and will be responsible for attorney fees and interest if not paid. This has caused a tremendous amount of stress to my ongoing health and have no knowledge of this debt.
Product: Debt collection

I paid off my debt which was originally via XXXX XXXX XXXX The debt was paid in full on XX/XX/year> The account was sent to collections. I have tried to contact the collection agency Firstsource Advantage based in XXXX XXXX. No one answers the phone. 

The debt was not reported to any of the Credit bureaus : XXXX, XXXX, or XXXX.
Product: Debt collection

I noticed my information was compromised including my ID, social security card info and my credit in XXXX of XXXX. I ordered my credit report and noticed two XXXX XXXX accounts. I went to the XXXX XXXX XXXX XXXX police department and I received a police report for the two accounts. PLEASE have them REMOVE FROM MY CREDIT REPORT. These are fraudulent accounts and I did not authorize these accounts to be open in my name. I spoke to XXXX XXXX and they are refusing to remove the fraudulent accounts. XXXX XXXX : Account number : XXXX Date fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$5000.00} XXXX XXXX : Account number : XXXX Dare fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$1200.00}
Product: Credit card or prepaid card

I applied a Citi Flex Plan in the amount of {$300.00} on XX/XX/2020. Citi card bank should deduct this amount in three months, {$100.00} per month. But Citi bank deducted the whole amount of {$300.00} instead of {$100.00} on XXXX. Then Citi bank still charge {$200.00} for two third of Flex amount XXXX on my new statement. This XXXX is a duplicate charge. 

I called Citi bank about this mistake, they agreed to refund this {$200.00}. however, after they refunded {$200.00} to my checking account on XXXX, they charged this {$200.00} back to my credit card account again on XXXX. 

I called Citi bank several times, walked into their local office, and wrote two letters to Citi office about this mistake and submitted all support documents and statements. I request Citi bank to fix this mistake and refund my {$200.00}. But Citi bank simple replied that my account balance was accurate without any explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX Balance Owed : {$290.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$89.00} XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX Owed : {$420.00} XXXX XXXX XXXX Owed : {$760.00} XXXXL XXXX XXXX XXXX Owed : {$560.00}
Product: Credit card

XX/XX/year> purchased a gold bracelet from The XXXX XXXX in XXXX XXXX with my American Express XXXX card. The bracelet broke apart and was damaged beyond repair after wearing it XXXX times between XX/XX/XXXX and XXXX. It was purchased for {$900.00}. On XXXX, XXXX  I wrote via email to XXXX XXXX  XXXX, XXXX  of Sales and marketing to request a complete refund. I provided several pictures and described the damage in detail. The quality of the bracelet was very poor and it was not " free from material defects '' but rather was of inferior quality. 
I got no response from the merchant. 
On XX/XX/year> I opened a dispute with American Express to dispute the {$900.00} charge. The charge was suspended and I was told the vendor had 90 days to respond. 
The merchant responded to AmEX noting the invoice stated " all sales are final ''. I then reopened the dispute on XX/XX/year>. At that time I sent a detailed email stating my complaint and my understanding of XXXX and Italian law ( " Warranty Law in Supply Contracts in XXXX '' and XXXX ( XXXX Consumer XXXX XXXX XXXX XXXX which specify that all products sold in the XXXX have XXXX implicit XXXX year warranty. I also sent XXXX pictures of the product damage. 

Once again, the merchant responded the same about the " final sale '' on the invoice. I immediately reopened the dispute because I think the merchants claim violates both Italian and XXXX XXXX and I feel that AmEx has a responsibility to back my dispute. Am Ex is currently waiting for further documentation from me.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Transunion, 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 a personal account opened at XXXX XXXX XXXX ( Account # XXXX ) on XX/XX/XXXX, an auto loan account opened at XXXX ( Account # XXXX ) on XX/XX/XXXX, an apartment lease account opened at XXXX XXXXXXXX XXXX XXXX XXXX ( Account # XXXX ) on XX/XX/XXXX, an apartment lease account opened at XXXX XXXX  ( Account # XXXX ) on XX/XX/XXXX, a utility account opened at XXXX XXXX ( Account # XXXX ) on XX/XX/XXXX, a credit card account at XXXX XXXX XXXX XXXX Account # XXXX ) on XX/XX/XXXX, a personal loan opened at XXXX ( Account # XXXX ) on XX/XX/XXXX, an auto loan opened at XXXX XXXX XXXX Account # XXXX ) on XX/XX/XXXX, an education loan at XXXX XXXX XXXX XXXX Account # XXXX ) on XX/XX/XXXX and an installment loan at XXXX XXXX XXXX XXXX Account # XXXX ) ) on XX/XX/XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. The unauthorized hard inquiries are from the following companies and following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These hard inquiries were not authorized by me. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items and hard inquiries. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported as these accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my first FTC Identity Theft Criminal Complaint # XXXX and my second FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud and have been reported as such.
Product: Mortgage

This company has been harassing me for the last two months. I have not had any rest. During the first month during the transitional period. Documentation are sent showing they did not wait for formal mortgage company to send funds. The calls began on XXXX requested pay-off quote and process begin on XX/XX/XXXX. They took {$570.00} from my account on XX/XX/XXXX and began harassing calls to my home on XX/XX/XXXX @ XXXXXXXX XXXX XXXX, XXXX stated an error has occurred on my account and would be corrected. On XX/XX/XXXX XXXX calls me on XX/XX/XXXX @ XXXX XXXX. concerning the same problem. Again I requested a supervisor, and XXXX states that the error takes ten days to correct. Today XX/XX/XXXX I get another harassing call about due payment. I was informed that my pay-off payment was received on XX/XX/XXXX. I call back requesting supervisor XXXX, concerning this predatory harassment. My bank sent my mortgage pay-off to Select Portfolio Servicing on XXXX and funds were received on XX/XX/XXXX. This business should not be in business.
Product: Credit card

I booked XXXX nights hotels using the points earned from Wydnham rewards Barclays credit card. The dates we booked are XX/XX/XXXX-XX/XX/XXXX and I received the booking email with the right dates. A few days ago I just noticed that the dates was changed to XX/XX/XXXX-XX/XX/XXXX. I never made those changes. And because of that, I spent countless hours on the phone with Wydnham rewards helpdesk. So many hours wasted on the phone. Changing the dates without our authorization is crime, and Wydnham even changed the date to past!!!
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX OF XXXX XXXX Balance : {$0.00} XXXX OF XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX CARD XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX CARD XXXX Balance : {$0.00} XXXX CARD XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) XXXX the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Payday loan, title loan, personal loan, or advance loan

I returned an XXXX XXXX that I bought on XX/XX/XXXX and returned on XX/XX/XXXX. I was told by XXXX XXXX that I get a refund by 7-10 business days. As of XX/XX/XXXX no credit has been applied to my account. When I call in Im told noting they can do XXXX XXXX shows proof they sent money back and I get hung up on by bank when calling to ask them for updates. This was a financed XXXX XXXX through XXXX  XXXX  through XXXX XXXX from Citizens Pay.
Product: Mortgage

Received a bill from my county treasurer stating that XXXX of the XXXX parcels of land my house sits on was unpaid and delinquent. The taxes had been due on XX/XX/XXXX, but XXXX XXXX was willing to waive penalties if they were paid by XX/XX/XXXX. 

I called Truist Bank, my mortgage provider, on XX/XX/XXXX. They stated they would investigate and pay it, and they would notify me once they had done so. 

On XX/XX/XXXX, roughly a month and 5 days later, I checked online to see if the taxes had been paid. They had not. So, I called the county to see if they had received anything from Truist. They had not. So, I called Truist again. This time, I had significantly more difficulty getting anywhere over the phone, so I went into the local branch to talk to someone in person. They stated they couldn't do anything directly but that they would call the mortgage department on my behalf and get back with me. 

XXXX days later, I went back to the branch to talk to them. They stated they were having trouble getting in touch with the mortgage department and would get back to me when they had more information. They seemed irritated that I had come back so soon, but it was the XXXX and I was concerned about accruing penalties. I left and they called me later that day to inform me that payment had been sent on XX/XX/XXXX. 

It is now XX/XX/XXXX and the property taxes are still unpaid and penalties have accrued. 

This is not the first time I have had this issue. Truist failed to pay the taxes on a different parcel for the same property late last year. After receiving a delinquent tax bill and contacting them on XX/XX/XXXX, they paid the delinquent taxes on XX/XX/XXXX. However, this time, they are giving me significantly more difficulty and are taking significantly longer to resolve the issue.
Product: Credit card

I got scammed by a seller on XXXX  for XXXX. Discover Card gave me credit but then sided with the seller because all sales are final. The credit was revoked and I called Discover to explain further my point that I was scammed & that the seller suspended my account ( which should be suspicious on its own ), so I cant even reach out to them ... the item is defective, faulty and not as advertised ; a scam. Discover agent proceeded to tell me I had to get documentation that the company that scammed me would issue me a refund & then hung up on me. I got scammed and Discover Card will not cover me or even offer me decent customer service. Why would the company that scammed me and suspended the account I used to buy the item offer a refund for me? Why would I even need to reach out to Discover if the seller agreed to refund in the first place?
Product: Credit reporting or other personal consumer reports

I received an alert from the credit bureau that my address had been changed. I didnt know such thing. After researching, I found that the address that was changed was my mother-in-laws address in XXXX I live in XXXX XXXX. Ive had the same address for XXXX years. XXXXXXXX XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. 
By changing my address at Experian and the other credit bureaus mail has been forwarded to my mother-in-laws address in Texas. My credit score dropped XXXX points because they closed my card when I made an inquiry of why they changed my address. Ive been with them since XXXX, which is milestone credit card, never missed a payment or had a problem. All I asked was that they would take that address off of my account and at the credit bureau. In response, they canceled by credit card and reported closed. How do I get my address put back on the credit bureau?
Product: Credit reporting, credit repair services, or other personal consumer reports

The following XXXX, XXXX, TransUnion credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the data furnisher has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( XXXX XXXX, XXXX XXXX XXXX XXXX )