23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I kept getting preapproved offers through mail and email. It was based on my credit. I applied for XXXX dollars on XX/XX/XXXX. My payments were {$200.00} monthly, at an annual percentage rate of 32.77 % for 36 months. I needed it for emergency cost for my XXXX year old so I took it. I were making my payments and paid a total of 7 to 8 payments. I ran into hardship and needed a better payment plan so I wouldnt get further behind. I called and was told that a payment wasnt an option. I sent emails but no response and I still owe XXXX. I dont know when it was charged but it is now. My last received payment to them was XX/XX/XXXX. Principal paid on the loan is {$800.00}.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX Long beach, CA, XXXXXX/XX/XXXX RE : XXXX XXXX XXXX Account # XXXX, {$53000.00} ( Sold by the Original Lender XXXX XXXX XXXXXX/XX/XXXXXXXX this Debt Collector ) Dear Sir or Madam : I am a federal victim of heavy fraud and identity theft. I recently obtained several documentations from the XXXX law enforcement agencies since last year I did not know where to get all of this. Since I have an assigned FBI Victim Specialist to me due to my on-going case with the U. S. Department of Justice ( DOJ ), I had been provided with resources to gather those credible documents to submit to your bank. The information listed below, which appears on my credit report, does not relate to any transaction that I should be responsible of at all. It is the result of both heavy fraud and identity theft due to fraud. 
XXXX XXXX XXXX Account # XXXX, {$53000.00} ( Sold by the Original Lender XXXX XXXX XXXX Bank XXXX this Debt Collector ) I request thatXX/XX/XXXX absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent item related to your company that is the result of identity theft and heavy fraud. Also enclosed is a copy of the CFPBs Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : Identity Theft Report ( FTC, Local Police Report, FBI Official Victim Letter ) Copy of Credit Report CFPBs Notice to Furnishers of Information [ PDF ]
Product: Credit reporting or other personal consumer reports

I am disputing a late payment that has been incorrectly reported on my credit report. I made the payment on time, and I have provided proof of timely payment, including bank statements and payment confirmation receipts. Despite submitting XXXX disputes with the credit bureaus and providing all necessary evidence, the late payment still appears on my credit report. 

The payment was due on [ XX/XX/XXXX ], and I paid on [ XX/XX/XXXX ], which is clearly supported by my payment records. I have disputed this with [ credit bureau name ( XXXX ) ] multiple times, but the incorrect information remains unresolved. 

I have contacted the creditor directly on [ email XX/XX/XXXX ] and requested that they review and correct the payment status, but they have not responded or taken action to update the account status. 

I request that the incorrect late payment be removed from my credit report as it is not an accurate reflection of my payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The accounts, XXXXXXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX which appearon my credit report, does not relate to any transactions that I have made. It is the result of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

MIDLAND CREDIT MANAGEMENT is reporting incorrect information on my credit report. They state that I opened this account with them on XX/XX/XXXX. I never opened an account with this company. They are reporting false information and suing me. 
I told them in court on XX/XX/XXXX that the debt that I originally had with XXXX XXXX which is a debt they bought, has passed the " statute of limitations '' and they decided to postpone the court case that day with no explanation. Since then they have added false information to my report. 
When I pulled my credit report today XX/XX/XXXX my original, XXXX XXXX account has been removed without my permission from my credit report and they added the false information as if I opened an account with them in XXXX. 
They are fraudulent going after a debt that has passed the statute of limitations and has altered my credit report without my consent.
Product: Checking or savings account

I have a ROTH IRA account with Capital One 360 ( originally XXXX before it was purchased ). It is not displayed under my account log in, and there is no way to access it through the online banking portal. I would like to take a qualified distribution from the account. I am not being allowed to set up a distribution over the phone and I can not get them to mail me a letter to make the distribution. They are telling me I need to do it online, but there is not option to make the distribution online, nor is the account even listed online. I have been on the phone with them for 2 hours and been 'verified ' multiple times but continue to transfer me and put me on hold in an effort to get me to give up.
Product: Credit reporting or other personal consumer reports

I recently revieweda copy of my credit report and noticed that I had fraudulentaccounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit.
Product: Debt collection

Complaint to the Consumer Financial Protection Bureau ( CFPB ) Complainant Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX Complaint Against : Midland Credit Management XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX Subject : Dispute Regarding Alleged Debt and Failure to Validate Debt Details of the Complaint : I am submitting this complaint regarding an alleged debt reported by Midland Credit Management on my credit report. Upon discovering the entry, I formally disputed the validity of the debt in writing on XX/XX/year>, and requested validation under the Fair Debt Collection Practices Act ( FDCPA ). 

In my dispute letter, I requested the following from Midland Credit Management : 1. A copy of the original contract or purchase agreement creating the alleged debt. 2. Proof of the chain of ownership of the debt, including all assignments. 3. A full accounting history, including the date of the first delinquency and all payments. 4. Proof that any interest or fees added to the balance are lawful and agreed upon in the original terms. 5. Proof of compliance with Geo
rgia state licensing and third-party debt collection bonding requirements.

6. Proof of all legally required notices sent to me before reporting this debt to consumer reporting agencies.

I have reason to believe that this debt is invalid, and I requested the above information to verify its legitimacy. Additionally, I reviewed the licensing database at www.nmlsconsumeraccess.org and found that Midland Credit Management does not appear to have a license to collect debts in Georgia, where I reside.

To date, Midland Credit Management has not provided the requested documentation or validation of the debt. Furthermore, reporting this alleged debt without proper validation or notification may constitute " debt parking, '' a violation of consumer rights established in *FTC v. XXXX XXXX XXXX. 

XXXX XXXX : I request that the CFPB take the following actions : 1. Investigate Midland Credit Managements practices regarding the reporting and collection of this alleged debt. 
2. Require Midland Credit Management to provide complete validation of the debt or remove the item from my credit report immediately.

3. Ensure compliance with Georgia state laws for debt collection, including licensing and bonding requirements.

4. Address any violations of FDCPA or other applicable consumer protection laws.

I have attached copies of my dispute letter, supporting documentation, and any related correspondence for your review. 

Supporting Information : Date of Dispute Letter : XX/XX/year> Account Reference : XXXX Contact Information : If further information or documentation is required, I can be reached at the address provided above or via email at XXXX. 

Thank you for addressing this matter promptly. 

Sincerely, XXXX XXXX
Product: Credit reporting

Transunion indicates I have a late payment that supposedly occurred 5 months ago, but that is not true. I have disputed other credit reporting issues recently, and it was only after I did so that my credit score dropped dramatically for no apparent reason. I would like Transunion to provide proof as to which particular account ( accounts ) I paid late within the past 12 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company leaked personal information and knew for MONTHS before releasing the information this occurred. And if you want to check if you were affected, there is n't a verifiable way ; recent information indicates that if you try to check if you were affected, they randomly generate an answer. Even past the security breach, the handling of this issue is horrendous.
Product: Money transfer, virtual currency, or money service

I accepted an at home job that was fraudulent. They asked me to deposit funds into my account and forward them to the vendors that were to provide the computer setup for my home office. The checks bounced and I had already forwarded the funds. I believed that they wanted to get the funds into my name so they could 1099 if I quit. I submitted a police report. I lost {$4500.00} to the fraudulent job scam. It was an actual job that I applied for, but a fake HR representative. I contacted XXXX XXXX and let them know that there was a fraudster representing themselves as their representative. I provided them with all the information regarding the emails involved I also was victim to a romance scam. He claimed he was a solider and needed money to apply for leave. I Bitcoin him {$4000.00}. His online profile has pictures of a XXXX  in XXXX after further investigation and searching his picture.
Product: Checking or savings account

I had a business checking account at Chase bank located at XXXX XXXX way, XXXX, NC. The account number was XXXX under company name XXXX XXXX XXXX. I received an account closure letter in the mail on XX/XX/XXXX stating the account would be closed on XX/XX/XXXX and went to the bank to prevent the account closure. I had wired {$40000.00} from my personal brokerage account at XXXX to that Chase account before knowing they intended to close the account. While I was at the bank talking to the branch manager attempting to prevent the closure and reverse the wire payment ( which was sent the same day ) my account was frozen and closed immediately instead of the stated closure date on XX/XX/XXXX. I tried to have the {$40000.00} wire recalled from XXXX and also at Chase at this point but Chase refused to allow the wire to be recalled. After numerous long calls to Chase they eventually told me that they had mailed a check for the {$40000.00} to me and that it would arrive in XXXX to 10 business days from XX/XX/XXXX. They refused to give me any tracking information for said check. After 12 business days I checked the mailbox and no check has been received. I believe Chase has stolen this money and doesn't intend to release it to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response that I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and that another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting

I had a tax lien recorded on XXXX XXXX, XXXX. The lien was subsequently withdrawn by the filing agency on XXXX XXXX, XXXX due to the lien being satisfied ( paid ). The item of record itself is over seven years old and it has, in fact been withdrawn. My understanding, and please correct me if I am wrong, is that this should not appear on my credit report because the withdrawal of the lien has the effect that it never existed. These item is being reported by both XXXX and Transunion. I believe it is on my XXXX report as well. 

Please help me get this removed if I am entitled to have it removed. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my insurance bill as scheduled to XXXX. and they sent my information to a creditor and the account was already paid. They refused to delete the account from my report even after disputing and sending in proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) XXXX XXXX XXXX  Account XXXX Balance : {$1900.00} Most be deleted 2 ) .XXXX XXXX XXXX XXXX  Account XXXX Balance : {$9100.00} Most be deleted Equifax is reporting these companies listed above on my credit report for almost 10 years now. I do not know these companies nor have I ever had any businesses with these companies. These companies do not have any contract with my signature or proof that they have any account on file with my name on it. Equifax most Delete these accounts off my credit report because these accounts have been on my credit report for over 10 years. By law, credit bureaus are only allowed to list negative items for a certain amount of time. These accounts most be DELETED NOW.
Product: Credit card or prepaid card

On XX/XX/XXXX, I requested an increase of my credit limit with CitiBank ( " Citi '' ). My current credit limit is {$700.00}. Citi 's website states : " We will not obtain a credit bureau report to evaluate your request, and you will receive a decision instantly. All fields are required unless specified as optional. '' Relying on that representation, and trusting that my 2.5-year customer history would be a factor, I requested an increase. My limit has remained stagnant since I opened the credit card account. My request was denied. A day later I received a response stating : " We're unable to approve your request because your credit report shows a late or missed payment with another creditor.... Please note, our decision was based in whole or in part on information in a report from the following consumer reporting agency : XXXX. '' I submitted similar requests on XX/XX/XXXX and XX/XX/XXXX : each time I was denied. However, the two prior times, the reason was " because [ my ] credit report shows a delinquent credit obligation, either paid or unpaid with another creditor. '' Yet, all three notices state : " Even though the reporting agency [ XXXX  ] provided the information, it had no part in our decision and will not be able to provide specific reasons why we denied your request. '' if there were delinquent credit obligations in XX/XX/XXXX or XX/XX/XXXX, which I dispute, they are no longer reflected on my XXXX  credit report. Moreover, on XX/XX/XXXX, while on the phone with a Citi customer service representative, I pulled my credit report from XXXX. It shows zero late  payments on both my revolving and installment accounts and no delinquent accounts. Citi 's information is inaccurate, and customers have no way to challenge it. I called Citi to ask for assistance and the person I spoke with was unhelpful ; I asked to speak with a manager. She too was unhelpful. Neither could explain the contradictory information Citi provides, assuring customers that, on the one hand, a credit check will not occur, yet denying the request based partly or wholly on information provided in a report by XXXX, while further claiming that that information " had no part '' in Citi 's decision. It's circular. Its contradictory. And its misleading. More importantly, customers have no way to dispute inaccurate information within Citis system. I was advised to check my credit report and to dispute the matter. But there is nothing to dispute. 

I question whether, because I live in the XXXX XXXX XXXX, Citi is discriminating against persons living in US Territories, perhaps by limiting its total exposure here. Or, alternately, that Citi is actually evaluating customer credit limit increase requests based on information in their credit reports, such as credit utilization ratios, while assuring its customers that they are not. My salary is over {$75000.00}. My credit line with XXXX XXXX is {$3700.00}, with XXXX is {$1200.00}. I also have three store cards, two with credit limits over {$3000.00}. Citi is the outlier and my experience with them just doesn't add up.
Product: Mortgage

As a returning customer, I applied for XXXX mortgage refinances with Amerisave on XX/XX/2020. At the time, I was promised some " returning customer credit '' and " today-only credit '' if I submit these {$500.00} application fee each same day by their processor. So I did pay and and began the process with them. 

My main complaints are : 1 ) My primary home refinance is taking over SIX ( 6 ) months and they are still not able to close it. 
At first, they had trouble providing a " PreApproval letter '' to my HELOC lender for subordination for months. That was processing delay on their part. Then they were not able to honor the rate they promised me, even though mortgage rates have been going down in the last six months.

2 ) I was promised {$1000.00} credit for the second mortgage refinance ( " {$500.00} returning customer '', " {$500.00} today-only if I apply '' ). These were not in the closing, and my email to the processor was ignored. I closed it anyway in the interest of time ( 3 months for this loan ). The primary loan processor promised to roll these credits ( plus the extra {$500.00} for returning customer on that loan ) into the primary loan. But of course, that loan never closes up to this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I am a federally protected consumer. Equifax is causing my grave abuse and detrimental harm. I reached out to this corporation in XX/XX/2022 via USPS certified mail with return receipt to provide a detailed comprehensive compilation of erroneous facts and inaccuracies that their company has caused to happen to me from their various breaches and negligence of the law. My consumer report is being damaged, and my financial reputation destroyed.
Product: Credit card or prepaid card

Approximately 2 years ago I opened a credit account with Ashley Furniture ( Synchrony Bank ) with a zero per cent interest rate for 72 months. From the original purchases I was given a {$34.00} a month payment and I have paid {$50.00} every time. This past XX/XX/XXXX I purchased more furniture from Ashley, also with a zero per cent interest rate but for only 6 months time on that purchase with a total of {$480.00} due for that purchase. My first payment including the new purchase was XX/XX/XXXX and the amount was to be for {$63.00}. On XX/XX/XXXX Synchrony received an automatic payment from me for {$50.00}. On XX/XX/XXXX, XXXX XXXX same statement ) they received a payment of {$480.00}, the full amount of the XXXX purchase. On XX/XX/XXXX Synchrony received my regular payment of {$50.00}. I was also hit with a {$29.00} late fee for not paying the {$63.00} payment on XX/XX/XXXX. I had already paid $ {$530.00} for the amount that was due in XXXX! I talked to three different people at Synchrony Bank, the first was XXXX, didn't get the second name at customer service, but the third customer service supervisor was XXXX. She told me that I could not pay money early that wasn't owed. I read the statement showing the {$430.00} credit and she told me she couldn't help me because I was arguing, so I told her have a good day and hung up. I want a credit to my account for the {$29.00} late fee ( especially since it wasn't late ). Now my next payment has jumped to {$81.00}! The first two service advisors I spoke to said it was a glitch in the computer system that couldn't deal with early payments. I would like you to help me get the late fee refunded and my payment returned to the original purchase amount of {$34.00} a month, of which I will still send {$50.00}. I have the last three months statements ' if there is a need for me to get them to you. They do not deny that I have paid all that I have told you, but the co-operation was almost non-existent and my understanding from XXXX was that I would not be given any help by Synchrony Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is in violation of the FCRA for continuing to report fraudulent accounts on my credit profile. I have disputed these accounts to no avail and Experian is now refusing to investigate. 
Experian Report # XXXX
Product: Student loan

I was authorized to speak for a co signer. However, the Debt Collector Trans World Collecting on behalf of XXXX ( rep. XXXX ) keeps calling me. I am not on the loan but they wo n't stop calling me. Despite the fact she keeps calling me, she will not fax or mail the original contract to me. She refuses to make a counter offer and has lied several times about the negotiations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to XXXX, XXXX, and Experian but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. 

XXXX is reporting it as a Flexible spending credit card, Experian as a credit card, and XXXX is reporting no account type. XXXX is reporting a monthly payment of {$0.00}, XXXX  is reportng {$97.00}, and experian is reporting {$0.00}. XXXX  is reporting the last reported date as XX/XX/XXXX, XXXX XX/XX/XXXX, and experian is reporting XX/XX/XXXX. XXXX is reporting date last active as XX/XX/XXXX and, XXXX as XX/XX/XXXX experian is reporting XX/XX/XXXX. XXXX is reporting a high credit of {$5000.00}, Experian is reporting it as {$0.00}, and XXXX is reporting it as {$4400.00}. They have obviously not been investigating this as per my request and i would like this deleted ASAP.
Product: Credit card

My second wallet was stolen. Which had my other credit cards in it at the time.