23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Midland Credit Funding Management/Midland Funding is the collection company that has misrepresent the amount of a debt in violation of the Fair Debt Collection Practices Act ( FDCPA ). I reached out to Midland to settle the old debt. In XX/XX/2016 the company sent a letter that indicated that I owned an amount of {$4400.00}. I responded with several letters between XXXX and XX/XX/2016 requesting to settle the debt. The company never responded to any of the correspondences, never offered a " yes '' or " no '' to my settlement request, nor did the company validate the debt amount they were claiming. However, what Midland has done is to report different and increasing balance amounts to all three credit bureaus. 
According to my credit report records the amount they say I owed did not start increasing until I reached out to try to settle the debt. In XX/XX/2016 the company was reporting a balance on my credit bureau account of {$5700.00}. In XX/XX/2016 Midland reported to the credit bureaus an amount of {$9100.00}. Then in XXXX Midland jumped the amount to {$10000.00} to all three credit bureaus. 
I have been disputing the Midland Credit items on my report with all three the credit bureaus for about half a year now. Finally, expecting my credit reporting for Midland to read correctly, my XX/XX/2016 XXXX credit report reflected the balance of {$4400.00}. But in XXXX Midland turned around and decided to change the account balance to {$10000.00}. XXXX representatives recognize the inconsistency and problem with the balance changes on my credit file.
Product: Mortgage

beginning in  XXXX  2017 when my loan to value hit 78% I began contacting my servicing lender to drop my MIP. After following the correct channels with emailing, and faxing documents in I finally received a letter stating my loan did not qualify to drop MIP.
I called them and spoke with a lady whom agreed the calculation was wrong and was going to get with a supervisor to correct it and get it cancelled. After another month of nothing happening. I mailed a letter and emailed another request.   XXXX   XXXX   another letter was mailed stating I did not qualify. My appraisal at time of purchase was $ XXXX , my loan balance in   XXXX   was
Product: Mortgage

Consumer Financial Protection Bureau ( CFPB ) have made efforts to streamline help provided to homeowners through mortgage servicing companies and provide enforcement of critical protections for homeowners who were affected by the XXXX economic crises. However, more needs to be done to scrutinize the activities of banks, investors, XXXX, XXXX Funds owners, Servicers and other private entities who continue to side-step existing laws put in place to help homeowners avoid foreclosure, equity theft, gentrification, and loss of generational wealth. I am writing this formal request for CFPB intervention due to the refusal of the Servicer to resolve my complaints and the predatory behavior of XXXX XXXX XXXX XXXX, its investors XXXX XXXX XXXX and its successor XXXX XXXX XXXX. 

XXXX. In the period preceding the foreclosure crisis in XXXX, Lender XXXX Mortgage ( my lender at the time ) started foreclosure action and I requested loss mitigation assistance from XXXX Mortgage who negotiated a settlement offer of {$150000.00} for full and final satisfaction of the debt in XX/XX/XXXX. 

XXXX. Before the payoff period expired, Investor XXXX XXXX XXXX through its XXXX XXXX XXXX XXXX XXXX intercepted this agreement/settlement offered by my lender and thereafter refused to accept payment within the time period allowed by XXXX Mortgage XXXX 

XXXX. XXXX XXXX XXXX XXXX XXXX a.k.a XXXX XXXX ( owner of XXXX XXXX XXXX ) tried to substitute as plaintiff in the foreclosure action instead of XXXX Mortgage and was denied multiple times in Supreme court. XXXX XXXX subsequently withdrew their attempt to substitute in the foreclosure action and restarted a new foreclosure case under new investor ( XXXX XXXX XXXX ) in XXXX after the statute of limitations had expired. 

XXXX. XXXX Dear denied XXXX XXXX XXXX for Summary Judgment with Prejudice on XX/XX/XXXX yet this investor and its Servicer XXXX XXXX XXXX XXXX continue to aggressively pursue deed -in-lieu, high pressure delay tactics, and costly litigation as a means to force me out of my home. This foreclosure matter could have been settled years ago, but XXXX XXXX XXXX XXXX and its XXXX XXXX XXXX XXXX are trying to steal the equity from my home through excessive fees, predatory delay tactics and illegal attempts to sell my home at auction. 

XXXX. XXXX XXXX XXXX XXXX also refused to provide proper accounting, did not properly serve pre-foreclosure notices as required by law ( RAPL XXXX ). 
Especially egregious, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are actively trying collect payment of a debt that is past the statute of limitations in violation of XXXX XXXX ( XXXX ), XXXX ( h ), CPLR XXXX ( a ) and the Foreclosure Abuse Prevention Act..
Product: Payday loan, title loan, or personal loan

XXXX XXXX ... original Creditor XXXX XXXX This Debt is 10 years old .. it just recently showed up on my XXXX XXXX account i have disputed it because its to old to show up now ..The credit bureau will not remove it even after i proved this account was opened in XXXX and its past the The Ohio statute of limitations & Fair credit reporting agency ..Even if i owe the bill They can not legally report it after 7.5 years is up They waited almost 10 years to report it and is also charging Interest while showing in my Transunion report showing a open balance and it keeps going up ... ..currently The collection shows XXXX showing opened XXXX .. This account was opened.. XX/XX/XXXX Last Payment made XXXX Because they would not honor There warranty for furniture I told them to pick up There Merchandise They refused.. I want this old account taken off my credit report ..IT 's to old Legally to be reported after 7.5 years and its been over that from the last payment ..when account first went to collection ..180 days of the date consumer first falls behind on a payment ... fair credit reporting act.. facts This company waited till XXXX to report
Product: Debt collection

Subject : Complaint Against Portfolio Recovery for Fair Credit Reporting Act Violation Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Portfolio Recovery Associates , LLC for repeatedly violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. Portfolio Recovery has reported several derogatory remarks on my credit report without providing any prior notice or correspondence regarding any alleged debt. I have never conducted business with Portfolio Recovery and have no knowledge of owing any debt to this company. 

These actions have severely impacted my credit score and financial well-being. Despite my attempts to resolve this matter directly with Portfolio Recovery, I have received no satisfactory response or verification of the debt. According to the FCRA, I am entitled to a fair and accurate credit report, and Portfolio Recovery 's failure to validate the debt or notify me of its existence is a clear violation of federal law. 

I respectfully request the Consumer Financial Protection Bureau to investigate this matter promptly. I demand verification that the debt is owed to Portfolio Recovery. If such verification can not be provided, I insist that all derogatory remarks be removed from my credit report immediately. If this issue is not resolved, I will have no choice but to pursue a civil suit to enforce my rights under the FCRA. I will have attached documents reflecting the Creditor reporting numerous erroneous remarks. 

Thank you for your attention to this urgent matter. 

Sincerely, [ Your Name ]
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX is a fraudulent account that was reported back in 2021. This account was removed from my report but appears to have been sold to another collection agency called XXXX XXXX. Under the Fraud debt collection practice act it is a violation to collect on an account that was previously reported as fraudulent. I am notifying you that this account must be removed immediately removed based on the aforementioned information. A report affidavit is attached.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name : XXXX XXXX XXXX  Account Number : XXXX Amount : XXXX Date of Account : XX/XX/XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Amount : XXXX Date of Account : XX/XX/XXXX Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Date of Account : XX/XX/XXXX Creditor/Collection Agency Name : XXXX XXXXXXXX Account Number : XXXX Amount : XXXX Date of Account : XX/XX/XXXX Creditor/Collection Agency Name : XXXX XXXX  Account Number : XXXX Amount : XXXX Date of Account : XX/XX/XXXX I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible. 

In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me. 

I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On multiple occasions, I have submitted documentation and proof that what the credit bureau is reporting to my file is inaccurate and unverified. I have contacted the direct source that the bureau reports is allegedly reporting this erroneous information. Those sources provided me with verification that the accounts being reported as derogatory on my credit file are NOT VERIFIED and ARE INACCURATE. I have submitted the documentation from those sources to the bureau yet the bureau continues to place inaccurate and unverified information on report.
Product: Debt collection

Upon looking at my consumer report I noticed a third party debt collector furnishing an unauthorized and unrecognizable account. To further investigate this derogatory remark currently endangering my reputation with other institutions I sent XXXX this third party debt collector a validation of debt letter. In response I received a letter from Mandarich Law Group LLP claiming that they are acting as the attorney for XXXX XXXX and it was even signed by two people who apparently work there XXXX XXXX XXXX and XXXX XXXX XXXX. To my understanding if they did in fact send this letter which it seems as if it was from this law firm. They will be in violation of 15 USC 1692e ( 3 ) as well as 15 USC 1692e ( 4 ) when they threatened to garnish my pay and take my home, car and other personal properties. They gave me less than thirty days to prepare for this court date that can ruin the life of my family and I. As well as damage my reputation with other financial institution wanting to do business with me in the future.
Product: Credit card

Ive had a card with Goldman and Sachs for a couple years now, maybe 3? Ive kept up with payments and when Ive fallen behind Ive caught up. Goldman and Sachs randomly closed my card citing Terms and Conditions agreement breach. They couldnt cite anything specific.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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

Lvnv XXXX was settled by me some time back I want it off ny report please
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/year>
Product: Prepaid card

I have been on state XXXX and have weekly deposits, Ive been able to set up my bank account to transfer money into but I am unable to set it up on auto transfer and they dont know how, meanwhile the company keeps and uses my money gaining interest for an average of 5 days
Product: Credit reporting or other personal consumer reports

This is still how screwed up my Experian account is and they refuse to fix anything. In the screen shot below you can see Experian has XXXX XXXX accounts with different amounts only problem is its the same account I ONLY HAVE XXXX XXXX ACCOUNT ENDING IN XXXX and once again they say they fix my account and give me my real score if I pay them and that's the text book definition of EXTORTION
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. 

These accounts have violated my rights ; Validate Account XXXX XXXXT XXXX XXXX Account XXXX XXXX XXXX XXXX Validate Account XXXX XXXX XXXX XXXX Validate Account XXXX XXXX XXXX XXXX 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

Transunion has falsely claimed they have completed their investigation into my dispute. Transunion did not actually investigate my dispute as my dispute was about my uniformed decision as outlined in 15 USC 1601-1602 with these alleged debts when I entered into these consumer credit transactions. With these transactions there is no evidence of indebtedness the only evidence of indebtedness was by way of the agreement but because of the uniformed decision that agreement is null and void. It is null and void because I made a uniformed decision, I did not understand its meaning, and it was not clear and conspicuous. Transunion did not investigate this as they can not legally confirm if the agreement was clear and conspicuous.
Product: Credit reporting or other personal consumer reports

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 Subject : Request for Reinvestigation of Credit Report Dear Experian, I am writing to formally request a reinvestigation of my credit report due to inaccurate information that I believe has been reported. I have recently reviewed my credit report and found discrepancies that do not reflect my true credit history. 

Specifically, I am referring to the account with XXXX XXXX XXXX, which I have confirmed was reported to all three credit bureaus on XX/XX/scrub>XXXX XXXX XXXX This account is crucial to my credit history and should remain on my report until XXXX. However, it appears that this positive account information is missing from my Experian credit report. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), I understand that consumer reporting agencies are required to ensure the accuracy and fairness of the information they provide. As such, I kindly request that you conduct a thorough reinvestigation of my credit report to rectify this error and reinstate my positive credit card account. 

I have attached supporting documentation from XXXX XXXX XXXX confirming the reporting of this account, along with any other relevant correspondence. I trust that you will address this matter promptly and provide me with an updated copy of my credit report reflecting the correct information. 

Thank you for your attention to this issue. I look forward to your prompt response. 

Sincerely,
Product: Credit reporting or other personal consumer reports

There has been unauthorized enquires using identity theft using my information to apply for XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX XXXX  on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I've recently scrutinized my credit report and identified discrepancies in the reporting of certain accounts, revealing inaccuracies that raise concerns. It has come to my attention that these discrepancies compromise the accuracy of my credit profile. In accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ), it is clearly stipulated that any accounts featuring inaccuracies on my credit report should be rectified and removed promptly. As a vigilant consumer who understands the rights and protections afforded by the FCRA, I am seeking immediate action to address these discrepancies and ensure the integrity of my credit information. I believe that accurate reporting is crucial for maintaining a fair and transparent credit history, and I appreciate your prompt attention to this matter. 
I've recently scrutinized my credit report and identified discrepancies in the reporting of certain accounts, revealing inaccuracies that raise concerns. It has come to my attention that these discrepancies compromise the accuracy of my credit profile. In accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ), it is clearly stipulated that any accounts featuring inaccuracies on my credit report should be rectified and removed promptly. As a vigilant consumer who understands the rights and protections afforded by the FCRA, I am seeking immediate action to address these discrepancies and ensure the integrity of my credit information. I believe that accurate reporting is crucial for maintaining a fair and transparent credit history 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 or other personal consumer reports

On XX/XX/2024 I received an email from XXXX informing me that my credit limit had been decreased from XXXX XXXX XXXX. When I called Synchrony to inquire, I was told it was because I have not used the card in over a year. This will affect my credit scores XXXX XXXX XXXX  and XXXX score XXXX XXXX XXXX and I don't understand how this can be legal.
Product: Credit reporting

I previously contacted a creditor listed twice on my reports ( XXXX XXXX XXXX ) after I had disputed the listings on my report ( significant errors on listing, conflicting information, incorrect reporting ). I used the address listed on my Equifax credit report to contact XXXX. My letter to XXXX came back as undeliverable, that the address was no longer valid. I contacted Equifax and disputed the tradelines as a result, including copies of the certified letter which was returned and the certified slip from mailing. Equifax purported to investigate the dispute in a week 's time, and advised that they confirmed that the listing are correct. They also advised me to contact XXXX directly AND PROVIDED THE SAME INVALID ADDRESS shown on my credit reports to contact XXXX ( the address from which my prior certified letter was returned ). Clearly they either ( 1 ) did not investigate the dispute in any real fashion, or ( 2 ) XXXX continues to submit incorrect information to Equifax. I am uploading ( 1 ) a copy of my dispute letter to Equifax , ( 2 ) a copy of the letter sent to XXXX which was returned to me as undeliverable, ( 3 ) a copy of the letter I had written to XXXX ( which was undeliverable ), and ( 4 ) a copy of the dispute results provided by Equifax. This has been a frustrating endeavor which has harmed me and resulted in the denial of credit.
Product: Debt collection

Threaten to/sued me for a debt I wasnt informed of. Threatening to harm my credit and impact it to harm my daily life which caused stress and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX WAYFAIR IS REPORTING SOMEONE ELSE 'S ACCOUNT ON MY CREDIT> I DIDNT OPEN AN ACCOUNT WITH XXXX WAYFAIR< NOR DID I AUTHORIZE ANYONE TO DO SO ON MY BEHALF. I LEARNED OF THE ACCOUNT 'S existence when my mortgage company informed me that I have a derogatory reporting. I am very vigilant about paying my bills on time, and I know for a fact this account doesn't belong to me. Please see the attached FTC report and my driver license and remove it from my credit
Product: Payday loan, title loan, or personal loan

I had taken out a personal loan and have gotten into a financial hardship due to my roommate losing her job due to Covid and not able to pay her part of the bills. I have let them know that I have falling into the hardship and working on trying to get them paid but right now I cant. I have received several phone calls at my job. I have asked them more than once not to call me at my job as we are not allowed to receive any type of personal calls. I have asked XXXX the manager to quit calling me at my job and she has continued to call me at job.