23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Midland Credit Management is extorting me for payment of a debt that I refuse to pay them as I dont owe them anything. My obligation is to the original creditor, not a debt buyer and XXXX shared my nonpublic personal information with Midland Credit in which Im not consenting to. Midland Credit is being made aware of this so now they are knowingly and willingly involved in a crime committed by XXXX. There is no contract between Midland and myself and they are attempting to benefit from an agreement that they are not a party of. They placed a fraudulent account on my credit report. Midland Credit is committing unfair debt collection practices by furnishing debts to my consumer report as a means of coercing me to pay an extension of credit, which is a direct violation of 18 U.S.C.894- Collection of an extension of credit by extortionate means. They have taken adverse action against me with forethought and malice, by attempting to collect knowingly false collections to my consumer report without my lawful authority. This adverse action defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), has negatively impacted my ability to operate in commerce. Congress makes it clear that causing a restraint of trade, pursuant to 15 U.S.C.1, is declared to be illegal and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct disclosure of my nonpublic information in accordance to 15 U.S.C. 6801 ( a ) of the Gramm Leach Bliley Financial Protection Act has been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I was just looking through my credit profile and there are a lot of inaccurate information which i would like removed from XXXX, XXXX, experian and other credit reporting companies. All of the following addresses are wrong and I would like removed off my file as these are not my address. The following addresses need to come off my report XXXX XXXX XXXX XXXX nj, XXXX XXXX XXXX XXXX nj, XXXX XXXX XXXX nj, XXXX XXXX XXXX XXXX nj, XXXX XXXX XXXX XXXX NJ, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX nj. The only address that is mine and accurate is XXXX XXXX XXXX XXXX NJ XXXX. As for my legal name you guys gave me down for multiple different names the only name that should be on my file is the following XXXX XXXX XXXX XXXX. Lastly my employment information is all inaccurate. The only employment on file that is accurate is XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I was reviewing the credit report and found inquiries that I did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these accounts that 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 block any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. XXXX XXXX XXXX Balance : {$670.00} ; XXXX XXXX Balance : {$400.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$720.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research accounts I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX. XX/XX/XXXX XXXX MT XXXX XXXX XXXX, TN XXXX I was in 2 data breaches XXXX and Experian and received no compensation did not know of this, and things started getting on my report without my consent, charges I was saving my credit and was not making any purchases, I sent letters to the bureau and they did not verify anything I am writing to dispute the following information that appears on my Experian, XXXX, XXXX report XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Charge Card with account XXXX XXXX  opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXXXXXX Line Of Credit with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$200.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXXXXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$270.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$61.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX XXXXXXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$82.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX XXXXXXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$29.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$490.00}. The original creditor is XXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I Sincerely, XXXX XXXX
Product: Student loan

XXXX XXXX XXXX of XXXX, XXXX, Tx ... XXXX XXXX aka Navient..the most popular student loan company ... they are HORRIBLE. They take your payment and apply it to whatever they want, not to the loan YOU want it to be applied to. Your loan may be for {$2000.00}, but in year, will be over {$3000.00} because they do not apply the payments correctly. Your {$200.00} payment is going on XXXX different loans but you think it 's going towards that {$2000.00} loan. This is how interest grows and so does the amount of your loan. The people you call and talk to on the phone ... worthless.
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 confidentiality under 15 U.S.C 1681 XXXX # XXXX, XXXX XXXX # XXXX XXXX # XXXX has violated my rights 15 U.S.C 1681 602A States I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer containing any of the following items of information Any adverse items of information other than records of convictions of crimes which antidotes the report by more than seven years.

15 U.S.C 1681=2 ( A ) ( 1 ) A Person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the information is inaccurate
Product: Credit card or prepaid card

TD Bank USA/.Target Credit HAS NOT and DID NOT EXPLAIN why they issued me a check dated XXXX, which I deposited on XXXX. PLEASE SEE THEIR ATTACHED LETTER. Target states I cashed their check on XXXX, a date BEFORE THE CHECK WAS WRITTEN! THIS DOES NOT MAKE SENSE! AND, TD Bank USA/.Target Credit HAS NOT and DID NOT EXPLAIN why they CHARGED ME a " {$29.00} " purchase adjustment fee '' on XXXX. None of their reps can explain this either. TARGET 'S CUSTOMER SERVICE HAS DONE A VERY POOR JOB IN LISTENING, AND PROPERLY HANDLING THIS PROBLEM. THEY HAVE AVOIDED and CIRCUMVENTED THIS SPECIFIC ISSUE. This IS UNACCEPTABLE. BIG COMPANIES SHOIULD NOT THINK THEY CAN GET AWAY WITH SITUAITONS SUCH AS MINE AND EXPECT TO BE HELD NOT ACCOUNTABLE.
Product: Student loan

I applied for a {$12000.00} student loan in XXXX/XXXX  to attend XXXX XXXX University-XXXX, Ga with SallieMae. When I signed for this student loan, I wasnt told that this was credit base and that there was different stipulations but that it was a federal student loan to help cover school expenses. On XX/XX/XXXX, it was transferred to Navient. I have been repaying this loan since XX/XX/XXXX without any breaks in payments and due to this variable interest rate, it has become challenging to pay this loan off. I cant refinance the loan because of my credit and I'm exhausted of attempts to refinance my loan to get a fixed rate. The balance of my loan is over $ 24K and if I have been paying on this loan since XXXX, the loan should not still be astronomical if it originated at $ XXXX. My loan has accrued at least $ XXXX of interest and it still increasing. I have spoke with Navient about forgiving my loan but there are no alternatives. I asked about forgiveness of my loan, refinancing my loan for a fixed rate and I was educated that there is no loan forgiveness for private loans and that Navient doesn't offer refinancing options for Private loans. If I was educated back in XXXX/XXXX, I would have never signed for this loan. So I'm out of options. I need some help on refinancing my private loan and I need my account researched to see if the interest was calculated accurately. I feel that my balance should be lower than it's current amount. 

Since I left XXXX XXXX University-XXXX, GA, I have accomplished XXXX  ( XXXX  ) XXXX, XXXX ( XXXX  ) XXXX  and XXXX  ( XXXX  ) XXXX  degrees from XXXX -XXXX. I have accumulated over $ 200k in student loans just to find an eligible job that will pay a decent salary. I had to defer my {$1000.00} payments to pay down other debt just to have the ability to refinance my student loan and that is taking some time. So I need all the help. I am covered in student loan debt. 

Please help me. What are my alternatives?
Product: Mortgage

XXXX XXXX, 2008, TILA Recission Letter sent and the Notice of Default was filed at XXXX XXXX County Recorder Office.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$2400.00} XX/XX/XXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$1100.00} XX/XX/XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Basically, the collection agency ( NATIONAL CREDIT ADJUSTERS ) drudged up a XXXX year old debt and stuck in on my credit report. THIS DEBT IS COMPLETELY PAID OFF ... .BUT NATIONAL CREDIT ADJUSTERS WILL NOT REMOVE THE COLLECTION FROM THE 3 CREDIT REPORTING AGENCIES! THIS COMPANY IS FAMOUS FOR THIS AND ITS ALL OVER THE INTERNET. I DON'T REMEMBER HAVING THIS ORIGINAL DEBT ANYWAYS BUT I PAID IT OFF THINKING NATIONAL CREDIT ADJUSTERS WOULD REMOVE IT FROM MY CREDIT FILES. PLEASE CRACK DOWN ON THIS COLLECTION AGENCY 'S ILLEGAL ACTIVITIES. THEY ARE RUINING THOUSAND OF CONSUMERS CREDIT SCORE
Product: Debt collection

This account was added on my credit report. The rep over the phone told me she couldnt send me anything confirming what I owed or a settlement letter. I paid XXXX to resolve the account and since then added interest on the account and my balance on my credit report shows I owe XXXX.
Product: Credit card or prepaid card

To sum up..had 2 credit cards, cancelled 1 last month after I paid in full ... they rebilled an additional amount told for interest, even though balance for payoff was requested before paying in full. I paid additional fees and returned card and closed acct. Now since paying off my last credit card with them..I showed a XXXX balance one day..and next day checked said balance due {$10.00}. I called and was told that it was lingering interest on account..I asked how they could charge interest on a XXXX balance, was then told it was an accumulation of interest from past ... I told them that it should have been included as final payment was requested before paying off. Company rep. hung up on me. They say conversations recorded, I hope so. Rep name was XXXX. Supervisor from last card dispute was XXXX. They hate when you pay off card, now questioning all interest during time as customer. I have every statement from start to close. I will forward all documents to authorities as requested.
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 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 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: Bank account or service

I have repeatedly asked Key Bank to close an account. They never did. They claim they did yet they continue to transfer funds from the account to other accounts at the Bank and they honored an auto payment that I overlooked and did not re-directed to my new bank. If my account was closed as I instructed them, the transaction should have been rejected. 
They in fact claim they re-opened the account to make the payment from an account witch had no money in it. The payment caused the account to overdraw and then they charged me a fee. This has happened repeatedly despite my repeatedly asked them to stop this practice and close the account. They refuse.
Product: Credit reporting or other personal consumer reports

I received my credit profile and there were incorrect addresses, my name was incorrect, and incorrect phone numbers
Product: Debt collection

Aargon Agency Inc has n't validated this alleged debt as belonging to me. I have sent two certified mail asking the agency to provide me with proof. I have not received anything. I sent a certified letter on XXXX XXXX 2017 and XXXX XXXX 2017 and still have yet to receive proof of debt and signatures belonging to me
Product: Debt collection

First Point Collection agency has yet to respond to my validation request. I have sent numerous of debt validation letters to them. When I called they explained that the letter sent said cease collection activity. The letter stated for them to cease collection activity with the consumer reporting agencies. The representative stated that they did receive the letters but would have to ask to send validation documents which I thought was strange. This company continues to report inaccurate data on my credit reports and ignoring my validation request!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed three collection accounts with Equifax. After checking my previous credit report ( XX/XX/XXXX ) with my most current dispute ( XX/XX/XXXX ), it appears that the accounts have been re-aged, which is illegal.The collection reported date on my most recent credit report is XX/XX/XXXX for all accounts being disputed. The previous report dated XX/XX/XXXX, shows the collection reported date as XX/XX/XXXX. I have asked the original credit to provide me with documents confirming this account belongs to me. They have failed to do so. Each disputes comes back verified by Equifax. I do not believe Equifax is verifying these accounts. I have attached both credit reports with the account in which I am submitting a compliant for.
Product: Debt collection

I only found that that I am in collections from " FIDELITY CREDITOR SERVICE '' due to my credit report. I have never received a call, letter or any sort of communication from this company. on my credit report, it shows that they have started a collection back in XX/XX/XXXX which a have no recollection of and no proof for validation of the money owed of {$2000.00}. I wound appreciate to resolve this matter.
Product: Bank account or service

Gentlemen, On XX/XX/XXXX I opened a checking acct with CHASE BANK for my DIRECT DEPOSIT OF MY PAYCHECK. CHASE BANK sent me a promotion that I will receive a {$300.00} bonus after my first direct deposit. 
I have had XXXX direct deposits thus far and when I called CHASE they said that these deposits were not DIRECT DEPOSITS but XXXX. Maybe I am not understanding this but I did not receive the checks and then deposit, they were electronically sent to my acct. They denied me the {$300.00} bonus, another scam by Big Banks. 

Your attention to this matter is greatly appreciated. 

Thanks you XXXX XXXX XXXX XXXX XXXX XXXX, ny XXXX XXXXXXXXXXXX XXXX
Product: Bank account or service

For the second time in a year Bank of American has notified me that they are canceling my current XXXX debit card tied to my checking account with them and will issue a new card due to " possible compromise '' of the account number with an " undisclosed merchant ''. After the first incident, I contacted the bank wishing to know the identity of the " undisclosed merchant '' so I could modify my purchase behavior as deemed necessary and was refused the information, Bank of American saying they did not have it and was advised by XXXX. There is no one to contact at " XXXX '', of course. I find this both unacceptable and improbable. Why is this information denied the consumer when major security breaches are reported on the evening news?
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. 

Account Name : XX/XX/XXXXXXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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: Mortgage

I have been attempting to apply for a primary residence loan with various companies, most recently, Bank of America ( but also XXXX and XXXX XXXX. All of them have told me that I would be wise to pay cash for my new house because I do not have wages from a job to qualify adequately for a loan ( I am a XXXX, XXXX years old, and have sufficient income in my IRA according to my financial consultant to last till I am XXXX if I am careful ). I had planned to use the net income from the sale of my house in XXXX and from a small condo in XXXX ( my XXXX house ) to pay for the XXXX % down ( {$90000.00} ). I have XXXX other houses, rented, with some small extra income besides. I receive social security and take out enough from the IRA to cover all my expenses. The XXXX house I am buying equals in price the value of the XXXX houses I am selling. I have an excellent credit rating and have never had a financial problem ( foreclosure, etc. ). The Bank of America has told me, however, that all it can do is give me a mortgage for maybe {$170000.00} ( less than the $ XXXX I owe BOA currently, which the bank refinanced as a 15 year mortgage two years ago so that I could pay it off more quickly ). I have sent them my last XXXX tax returns, a XXXX for 2015 from my XXXX stock IRA, my Social Security XXXX, and an end of year summary at XXXX for the money my IRA and I have made this past year in a down year ( around $ XXXX ). Today I was told I must submit my 2015 return as part of the application process, which I thought I had till XXXX XXXX to submit. I am supposed to double-close on the primary residence I am selling and the new house I am buying at the same time/title company ( XXXX XXXX ) so my sellers can close on their house on XXXX XXXX. Not only do I believe this is illegal to ask for BEFORE XXXX XXXX, but I have n't finished it. Which means a defacto refusal on the part of Bank of America ( my executed contract for the house will expire in two weeks or so ). I was shocked when the agent told me I had n't even applied yet ( I thought I had ) and besides it would all need to be sent to the underwriter. I have been given a Prequalification Letter by Bank of America, which is why the sellers signed the contract. Dragging her feet means I will not be able to meet the contract deadline and perhaps not close at all timely. I believe that I am being discriminated against on the basis of age. I asked her what documents she needed for the approval that might be covered in the 2015 return, but she did not tell me. She just said she did not want to waste my time or money any further. I do not understand why I do not qualify for this loan, with XXXX houses and an IRA in value close to XXXX dollars.