23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have tried contacting MIdland Credit Management since I was aware of the letter I received, in XXXX XX/XX/2020 i was request to make a payment of at least {$25.00} when I was on a call requesting evidence of an allegedly debt and they still haven't provide any information where according to the FDC. I need these account to be closed and deleted from my credit report, I know is not mine and they havent submit any evidence in over two years If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Product: Credit reporting or other personal consumer reports

I was on a deferment prior to restarting my education in XXXX. I was unaware that starting my education would change my deferment status with XXXX and received no notification at that time or when I stopped school for family and health issues. I received no notification from XXXX once I stopped school that my loans would be restarting. I attempted to purchase a home and discovered that my credit score was tanked by XXXX points because XXXX reported my loans as late for 30, 60, 90, 120, and 180 days. I have 2 groups of loans with XXXX totaling 5 loans. I was under then impression that I had 1 loan with XXXX because all prior notification from XXXX indicated that it was a single payment for my loan amount and included just the full balance owed. It was not until I received the 25 dings on my credit report when I attempted to purchase a house did I realize that it was 5 separate loans. I contacted XXXX who confirmed that they had an incorrect address, this address they had was never an address I lived at nor was I on any lease for. They denied having the ability to correct the report to the 3 reporting agencies and advised that I file a dispute. I filed the dispute, but XXXX denied any wrong doing or reporting so the dispute was closed.
Product: Debt collection

I have been receiving countless letters regarding this account, even though I have no association with it. Shows the account was opened in XX/XX/year> from XXXX XXXX. However, I did not have XXXX account until XX/XX/year>
Product: Credit reporting or other personal consumer reports

Please verify these accounts and inquiries, as they are incorrectly placed Accounts incorrect : Account Number 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
Product: Credit reporting

I am re-financing my mortgage ( hopefully ) and I needed to review my credit report. I was able to access XXXX and XXXX, but unable to access Experian. I tried XXXX Internet portals, but could never get beyond the first page where I provided my personal information. Both sites took me back to the first page repeatedly. I called and spoke with XXXX at Experian. She was unable to help me although she did try. Since I am entitled to one free report per year, this is ridiculous. I notice that others have complained about the same issue. A consumer reporting agency should not have to be called to task. I give them a score of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to XXXX several times as well as to Transunion and XXXX  pointing out that their reporting of this debt on my credit report is reporting inaccurately. The account is marked as closed with a {$0.00} balance yet it is 30 days late in the payment status line. This is an impossibility and I believe it is a result of a keypunch error.
Product: Checking or savings account

I opened an investment account with a company called XXXX. I did some short term investing and decided I wanted to invest my money elsewhere and I went to attempt to withdraw my investments and I am being denied access to do so. 

The company states I can not change the account for withdrawals for XXXX months, I changed from XXXX business checking to XXXX XXXX. The company claims I can not change accounts for XXXX months but they did ask me for proof I closed the account and opened a new account, I provided them with this info and they are still not allowing me to withdrawal my money.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

debt collector sent me and my friend a letter about a lawsuit against use for XXXX dollars but the thing is we never got served papers.i called XXXX XXXX clerks office an there was a lawsuit filed in XXXX/XXXX/XXXX but they say they served use on XXXX friend says he never got anything from them but a letter in the mail a month ago.for me they said they served me but i was n't living at the address they said they served me at for almost 2 years.in the letter it says to file an answer to the court i just got a letter on XXXX/XXXX/XXXX, why do they keep asking me to file an answer after 5 months if they know that there in the wrong. i did n't have a chance to file a answer or dispute it, they are known to pull this kind of illegal tactic before on other people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pell Grant Overpayment. ( {$400.00} ) ( There was not an option for school grants. If this has been sent to the wrong dept. please forward. ) On XX/XX/XXXX I called Credit Adjustments Inc., the collection agents for my two defaulted federal student loans. ( Credit Adjustments Inc. ) During that call the agent told me in order to qualify for the rehab I would need to pay in full the " Grant Overpayment ''. I was unaware of any overpayment. This was a " first time '' Pell Grant. ( issue date XXXX ) I agreed to pay the overpayment. During that call, before setting up the loan rehab, the agent took my payment in full over the phone. Further, the agent impressed upon me that all negative reports to the credit reporting agencies would be removed upon completion of the rehab program. 

I successfully completed the loan rehab XX/XX/XXXX. The two federal student loans I have are reporting correctly. Those two debts report " current '' and no late payments. The Pell Grant Overpayment reports Collection. Collection as of XX/XX/XXXX. So, 7 years of a collection is the result. XXXX says the baddie will stay until XXXX. XXXX!!! 

Called and wrote to XXXX  ( other two c.r.a. 's are not reporting the debt ). 
XXXX  reports the trade line as : " Account type : Student Loan '' ( it was grant when distributed, yet reports as Loan. ) " Account status : Paid, was a collection account, insurance claim or government claim or was terminated for default. ''
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 : XXXX XXXX  Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Recently i looked at a copy of my credit report and notice several inaccuracies on my account. this account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy. 
here is the item i am asking you to verify as accurate. 

XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX
Product: Credit card

Card was stolen. I have had to call capital one 4 times already to try and get the thieves to stop charging my card. They have sent me new cards but the thieves are still charging my new card. CapitalOne has assured me multiple times that the charges would go away but they have not. I don't want to call every single month and talk for an hour and have to get a new card every time someone uses my new unopened unactivated credit card.
Product: Debt collection

The company calls me at least 10 times a day sometimes in repeated succession back to back. I have advised through representatives to stop calling at this point due to method of harassment and that I would handle the debt through paper correspondence or legal method.
Product: Consumer Loan

I told them I could work out an arrangement with World Acceptance Corporation. They said no. They keep calling my job after they told them no.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$20000.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- INSTALLMENT LOANS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Equifax has not updated my XXXX score since XXXX of XXXX. It is still reporting my XXXX score in the XXXX. I am contacting the agency only to get the run around. All my other credit score are in the XXXX. It seems as though this is a part of the erroneous credit scores that were uploaded in late spring ; early summer. 

Thank you, XXXX XXXX
Product: Credit card

I am disputing XXXX charges from XXXX XXXX. 
{$1600.00} on XXXX {$470.00} on XXXX XXXX on XXXX Discover is my favorite card but the dispute department sucks. They have refused to take my dispute simply saying you made these purchases. 
Pa attorney general office of consumer protection agency has contacted XXXX  about this transactions. They advised me to report Discover about not providing adequate help. 
The first purchase was supposed to be redone entirely based on XXXX own service department. I am still waiting. 
The purchase was not a purchase to begin with. It was a mattress warranty replacement. 
I am attaching pictures for the lates purchase. Does this look like a 3 month old sofa?
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I was never properly given notice of repossession. I have a screen shot that stats your vehicle XXXX be repossessed soon on XX/XX/XXXX is when I logged in an took the photo so I had no notification at all, when vehicle was reposed during an eviction aka help from law enforcement. I demand all money paid to be returned on the loan. On top of that the ally finical has owed me a surplus since mid XXXX. They stated on 3 different occasion that they have mailed me a check. They have also stated that it will be overnighted since XX/XX/XXXX, and still no check. They illegally took vehicle and would not work out a lower payment. My pain and suffering from all this such as being XXXX having to pay for rented vehicles have far succeed {$2700.00}. Plus XXXX XXXX interest should be added since they can not prove proof of delivery of the check I have been lied to over and over about a check of {$1600.00} and now I will have to XXXX XXXX in the cold weather. The demand for pain and suffering now is {$25000.00}. I have screen shots of previous times and recordings as I stated with them please save all recordings and if they are going to record me I will record them. The notice alone saying my be repossessed soon on XX/XX/XXXX and my vehicle being repossessed that exact day is proof enough that they illegally stole my vehicle.
Product: Checking or savings account

I had used XXXX XXXX  to do my taxes for 2021 everything went great said do u want to revive you funds 5 days fast was like ok sure hit the botton and brought me to another menu with credit karma I have had a account with credit karma for year to keep a eye on my credit didnt think anything of it signed into fiqure it. Was a site help me build credit no it was a site to start a new account and transfer my tack check to. I then proceeded to close the account but now since my tax check was being sent there I couldnt close it.so I was going transfer it to my account added my bank to it wired a bit of money over make sure it was approved for transfers still no red flags. So my check was to be cut on the XXXX of XXXX I called them about the 5 day early thing I got the runarounds for 3 hours this is on a Sunday credit. Karma blamed XXXX XXXX blames credit karma. Now Monday I go back to the phone called credit karma said it was XXXX XXXX called XXXX XXXX and they gave me the number to the bank well now its about XXXX XXXX started at XXXX the rep asked my info gave it to them they had no recorded of me at all not my as number name address nothing at all they told me call XXXX XXXX  I did they didnt see anything between them and I at all ether now its 2 days before check was going I said forget about it Ill call credit karma again so I did asked them where my debit card and my refund they said dont know have recived it and card should be slithers soon I got a letter from XXXX said you refund got to the company they use for payment an should have my refunin 2 to 3 day called credit Karma read so waiting on the refund wondered where my cru Karma debit card was. Emailed them and in them everyday since the XXXX.I called again they said must be lost in transit order a bother 1 this is now 3 I have then yesterday I received a email by itself saying your refund is deposited so called then about the debit card advise me can use XXXX XXXX or XXXX XXXX  if you need so put it on XXXX XXXX  and go threw there is XXXX dollars iti was was trying to find my deposit they no them have denied a investigated I still have no debit card so now they Have over XXXX I told em to transfer it to my account refuser. How now I have messaged them asked for phone call told only email upper staff with now Im out XXXX dollars no debit card and no money I. The account and told to its by credit karma that was still have anything from credit karma and they are holding all the money there the can not transfer nothing transfer there and still havent
Product: Credit reporting or other personal consumer reports

I have repeatedly disputed inaccurate information on my Experian credit report, yet Experian continues to reinstate the disputed account without proper verification. Despite countless disputes, Experian has conducted what appears to be sham investigations using faulty proceduresfailing to relay key dispute information to the original data furnisher and uncritically accepting their unlikely responses. As a result, Experian provides confusing and incorrect updates, reinserts previously deleted inaccurate information under a new furnisher, and does not delete the erroneous account as it should. This ongoing mishandling has not only kept false data on my credit report but has also left missing and incomplete information, severely impacting my credit accuracy and rights as a consumer.
Product: Debt collection

Receivables Performance has put a damaging report on my credit report on behalf of XXXX for {$2600.00} in XX/XX/XXXX. I have reached out to Receivables Performance at their phone number and was told they have no record of this in their system, and thus asked me to pursue with XXXX. I have filed several disputes through XXXX and the latest results were this : The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
If our reinvestigation has not resolved your dispute. 

The negative report remains, and I believe I am out of options to pursue this through either Receivables Performance or XXXX. Can you please help? 

FYI- I do not and never have had an account with XXXX. 

This is the full information from the XXXX report : Account name RECEIVABLES PERFORMANCE Account number XXXX Recent balance {$2600.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$2600.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Address identification number XXXX Original creditor XXXX XXXXXXXX Type Collection Terms 1 Months On record until XX/XX/XXXX Credit limit or original amount {$2600.00} High balance XXXX XXXX Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
Your statement Y ITEM DISPUTED BY CONSUMER Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX.
Product: Checking or savings account

On XX/XX/2018, I was contacted by a company that explained they were providing me online technical support for my computer. The company indicated they were going to provide me with {$170.00} credit ; however, they billed me {$750.00}. The company that took my money did not provide me the services they were supposed to and I did not authorize them to bill me {$750.00}. The company was supposed to provide me computer security, technical support, and increase my computer speed. When they billed me {$750.00}, I contacted them and cancelled services immediately on XX/XX/2018 because I did not authorize the {$750.00}. 

I contacted 5/3 to report this incident and they denied my fraud claim because they said it was my fault. 

I took my computer to XX/XX/XXXX to have it examined and XX/XX/XXXX confirmed this company installed 13 different kinds of malware and spyware. I had to pay XX/XX/XXXX {$200.00} to fix the issues that were caused by the company that did not provide me services as described. 

I am very disappointed in 5/3 service because I am an elderly woman and no one took the time to help me. I feel betrayed by the company that lied to me and my own bank. I am reconsidering my relationship with 5/3 because they are not assisting me with my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you and attaching the court report proving that these accounts are not mine. I do not have anything in common with these accounts and its identity theft. Remove them please ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened accounts in rude Nordstorm company on my name. I tried to remove them for a long period with police report as I am victim of fraud. While they are wasting my time and my money and causing me huge damages then few weeks ago I contacted a lady at Nordstrom fraud dept XXXX XXXX XXXX She is the manager at fraud dep. She asked for my ID for the removal of the wrong reporting since they never had my id before. I told her I wouldnt like to send her my ID as it is not secure but she gave me her personal email and insisted it will be to my favor. On XX/XX/XXXX XXXX To remove the fraudulent reporting from my account she asked me a statement and my I.d to process it. I didnt realize they mislead me /her and her supervisor XXXX- ( which never return my call ) and wanted to store an Id from me on file so now they could tell that it was ME opening Nordstrom accounts ! 
Since Im victims of fraud Im Afraid they using my current i.d i gave them on XX/XX/XXXX fraudulent on my profile since they dont have any other info or prove it was me. Now they refuse to remove those accounts even I never did Bussines with them Mrs XXXX XXXX fraud dep from Nordstrom account Ending XXXX and all other suspicions account XXXX and later. 
I submitted 2 Police complaints and reports as they requested and demand they will remove the wrong reporting ASAP without Delay. They are cheating and will be subject to lawsuit