23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was stolen and used to open a number of fraudulent accounts in my name. These accounts on my credit report are fraudulent and need to be removed from my Credit report immediately and permanently : # 1. XXXX {$0.00} Closed 2 late payments, XX/XX/XXXX, Credit Limit {$200.00}. # 2. XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$500.00}. # 3. XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$750.00}. # 4.XXXX XXXX {$1100.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$1100.00}. # 5.XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$300.00}.
Product: Consumer Loan

My husband and I only missed XXXX payment with Snaac. And we received on XXXX XXXX that was dated on XXXX XXXX saying if we do n't pay by XXXX XXXX they will take our car. We are on a fix income. We told that we only get payed once month.
Product: Debt collection

Midwest Receivable Solutions XXXXXXXX XXXX {$1600.00} I am writing to dispute the validity of the debt referenced above, which you claim I owe. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 U.S.C. 1692 ( g ) and 15 U.S.C. 1692 ( c ).

1. Validation of Debt under 15 U.S.C. 1692 ( g ) : In accordance with 15 U.S.C. 1692 ( g ), I am requesting that you provide validation of this debt, including : The amount of the debt ; The name of the original creditor ; Any supporting documentation that shows I am responsible for the alleged debt.

Until you provide sufficient validation of this debt, I am requesting that you cease all collection activities, including reporting this debt to credit reporting agencies.

2. Cease and Desist under 15 U.S.C. 1692 ( c ) : I am also requesting that you immediately cease all communication with me regarding this debt, except as required to provide the requested validation or to inform me that collection efforts have been terminated.

Please note that I will not hesitate to take further action to protect my rights under federal law if your company fails to comply with my requests.

I expect your prompt response within the 30-day time period as stipulated by federal law. Failure to respond in the required timeframe may result in legal action or complaints being filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I have a charged off account in XXXX  student loans. I did not receive any notifications from them that my account was charged off or that I have an overdue balance. When I checked with them, they said that everything was being sent electronically when I requested to have everything sent through paper as I made sure I have documentation as Ive had previous experience with XXXX student loans, and it was a terrible experience. I have just learned to ensure that I have documentation of everything going on, but I have not received anything after I had an issue with them last year in XX/XX/year>. Thankfully that issue was resolved but I have not received any information or notification from them and now theyre saying that my account is charged off and I have an overdue balance, and it is now affected my credit score. I have called them and asked to see if they can assist me with this and they say they can not because they sent me notifications and statements to my email but once again they have sent it to the wrong email and theyre telling me that it is my fault because I did not update my email. Although I originally have asked only for paper billing and have documentation because I know who they are and how they can mess up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was injured at work in XXXX and I was exposed to chemicals in the job. My XXXX had XXXX and had my half my XXXX XXXX. All this was workers compensation, workers injury. It's illegal to bill a worker if the injury is work related this law is found in California section 3751B. They are aware this was injury at work. I was billed illegally and they have been sent to collections. I have already disputed these inquires with the credit bureaus and they still are billing me. Protection from surprise medical bills This means consumers with health insurance generally wont be responsible for balance bills or out-of-network cost-sharing. If it passes the statues of limitation they shouldn't bill me. 
Deleted illegitimate collection ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX - {$80000.00} ) This item was Deleted from my credit thank you ; However this same company also made a total of 3 Hard Inquires as a DEPT COLLECTION AGENCY on my credit report on ( XX/XX/XXXX ) OIS RASH CURTIS AND ASSO ( XX/XX/XXXX ) OIS RASH CURTIS AND ASSO ( XX/XX/XXXX ) OIS RASH CURTIS AND ASSO I am requesting once again that these HARD INQUIRY COLLECTION AGENCY items also be removed from my credit report since they should not be on there. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told I could not buy a house because I had a bad debt on my credit. I did not know what the debt was for as I have paid all my bills on time. After looking at the credit report I found something from XXXX XXXX saying I owed a big debt, I didn't owe them anything and so I sent a dispute to the credit agencies ( Experian, XXXX and XXXX ). A few months later I had gotten notice that another account for the same thing was put on my report. This new account had different information about the amount and the dates, so I knew it must be fraud. I completed an Identity Theft form and sent it to the credit agencies ( Experian, XXXX and XXXX ). Everyone except Experian has removed both of these collections so I am not sure why Experian is not doing it. They need to remove it because I do not owe XXXX XXXX and I don't have any idea why they have put 2 accounts on my credit report when I don't owe them anything. They are a fraudulent company and they should not be doing business like this. This is ridiculous and I have been working for almost a year now trying to clean my name and Experian is not doing their job.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. DEPTEDXXXX {$3500.00} DEPTEDXXXX  {$4500.00} DEPTEDXXXX {$6000.00} XXXX {$780.00} XXXX {$510.00} XXXX {$2000.00} XXXX {$3500.00}
Product: Vehicle loan or lease

In XXXX XX/XX/XXXX, I agreed to sell my XXXX XXXXXXXX XXXX  XXXX to a buyer who made XXXX XXXX payments directly to my auto loan account at Truist Bank to pay off the remaining loan balance ( approximately {$52000.00} ). I confirmed with Truist representatives via phone that the payments had posted and the loan was marked paid in full. 

Based on that confirmation, I transferred the vehicle and mailed the title. Several weeks later, both payments were reversed by Truist, and I was told they were fraudulent. I never received any payment or benefit from the buyer and was left without the vehicle or payoff funds. 

Truists fraud department confirmed this was a fraud case ( case number XXXX ), but I was still referred to their collections department. In late XXXX, the debt was handed over to a third-party collector. I have since filed a police report ( Report # : XXXX ) and submitted documentation to Truist. 

I am now being pursued for a debt that resulted from a fraud acknowledged by the bank. Im requesting that the CFPB investigate Truists handling of this matter and require them to recall the debt from collections and remove it from any credit reporting.
Product: Checking or savings account

On XX/XX/2022 Citi bank illegally closed my account without my consent and by unfair and deceptive business practices. 

They state the account fell negative however as you can see in my letters that it only feel negative because of unfair and illegal business practices. Because of fraud within the bank and their employees theirselves for double charging meaning charging the merchants named in dispute, then charging clients to obtain an illegal balance debt and then closing the accounts that feel negative due to that and then sending those closed accounts they put in escrow illegally to collections. I notified the bank and as soon as I did they changed their story numerous times. I have the video recording from employees and supervisors I have EVERY piece of document on dispute ever number of the accounts negative balance as it changed 5 times before closing with different balances that NO one at the bank could confirm where those numbers came from. 

This is illegal and it is fraud. Then after stealing your money from you, they say you can not receive the funds for up to 90 days by check. 


When you go rob a bank are you committing a crime? 

Even though you give the bank the money back do you still get charged for the theft? 

Ok then same thing in this case. It should be treated just as EQUAL because that is EXACTLY what this is. Fraud within the bank and theft. 

Unfair and deceptive and illegal business practices
Product: Debt collection

My husband and I took out payday loans with acecasheexpresss.com in person in the XXXX, CA office XXXX. We made payment arrangements because we could not pay the lump sum at the time. Ace Cash Express called us several times a day for over a year and had individuals calling us stating they had legal documents that we needed to sign for and we needed to be at our home or work at certain times to receive thee documents or legal action would be taken, including adverse reporting to our credit reports and felony criminal charges. They also submitted the original check for the full amount of {$300.00} after I had made {$150.00} payment as agreed which caused overdraft fees so Couldn't make the final payments and cause other payments to bounce. 
It is now XXXX and we receive threatening calls almost daily from XXXX XXXX XXXX which claims they have a court case or legal action they want to negotiate for us out of court. They won't give any information about the original debt or give a case number. I know they don't have an actual court case because we have never been served actual court documents stamped by any court. We receive repeated calls from " Process Servers '' that use untraceable voip numbers and refuse to say who they hired them to serve the " legal '' documents or give us information about themselves. 
We have tried to make payments but Ace Cash Express has refused to accept anything but the full amount and continues to threaten legal action, calls us names, uses profanity, and violates Fair Credit Collections Act. We have verbally and in writing asked the, m to to stop contacting us to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a fraud complaint with XXXX XXXX  of XXXX XXXX TX on XX/XX/XXXX regarding someone trying to open an account in my name using my SS #. 

Today, my employment agency did a background check and found that someone is still using my info. from XXXX, KS from XXXX and in XXXX NY on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I submitted a request to block accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is providing information pertaining to the identity theft that took place with my information. This company was presented with several police reports as well as identity theft affidavit report, federal trade commission report and now they report with the consumer financial protection bureau. 

Upon contacting the three major credit reporting agencies, I discovered that XXXX of the XXXX credit XXXX agencies did not investigate the information based on the fact that they thought it was a duplicate request. The documentation was presented with shows it was not a duplicate request and that it shouldve been processed immediately upon the consumers request to do so. 
By failing to properly investigate this fraudulent item for the consumers request, this company violated the fair credit reporting act as well as the fair debit collection practices act. Failure to you processes investigation, has left the customer without any means of using their credit to take the services for their family. This negative item has impacted the consumer financially. 

Furthermore, I also fear that this company has violated state and local laws. Upon receiving that information and their negligence to process the investigation, his company did indeed go in a different direction. They found a judgment on an account that they know was being disputed as I didnt either in an attempt to deprive the consumer of their money knowing that it will be a long drawn out process for the customer to receive any funds back.
Product: Mortgage

Please see complaint XXXX. I have received notices XX/XX/XXXX from Loan Care regarding my loan after I filed complaint on XX/XX/XXXX ; The letter is dated XX/XX/XXXX and it arrived in an envelope without the post mark date, so I thought it was odd that I received it XX/XX/XXXX. It discloses the escrow break down and after reviewing it, it appears it was addressing my first mortgage and the second mortgage is no longer the topic. Please see the statements that states that I was behind on the first mortgage. However, the XXXX was to be removed along with additional fees as I faxed a letter to XXXX XXXX along with proof from XXXX  of forgiveness letter and Lost Note Affidavit. I am wondering if this was address after faxing my complaint because I also tried contacting the third party XXXX XXXX regarding the purchase from public auction and received no answer. Also, I am not able to talk to XXXX XXXX 's office as email stated not to contact them. To date, I have received statements from two different companies with same loan number. According to XXXX XXXX 's, I am to receive a new loan number and I was not to be in their system until XX/XX/XXXX-XX/XX/XXXX, so why did I start receiving statements in XX/XX/XXXX after I was transferred to the bankruptcy department at Loan Care? I  am wondering if they were waiting on my bankruptcy to drop so they can foreclose, but I was trying to correct my loan which is why I join the " class action law suit. '' XXXX XXXX was not helping, so this has been a problem with my chapter XXXX bankruptcy because they do not have the debt information or the correct company holding my loan. My sons and I have been in this house for going on 20 years and ever since XXXX loss my note in XX/XX/XXXX, it has been public record and people have the ability to gamble with my home. I do not know anything about my payments and I have not for years because it has been transferred so many times and no one has addressed this major issue. HOW MUCH IS MY HOME? I saw an attorney who is doing investigating and was pleased that I have CFPB involved because they want more people involved with this matter. I have given them permission to contact the parties involved. Please help me with this new matter along with the previous complaints with other parties.
Product: Debt collection

Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a Medical creditor 's validation letter to Central Financial Control. I had my Personal financial coach speak on my behalf. XXXX XXXX XXXX spoke with XXXX Central Financial Control. This was an Medical Bill and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act and Health Insurance Portability & Accountability Act XXXX Debt Collection Company has 30 days to validate the debt. In my case my debt was never validated by Central Financial Control. In this case the debt should be removed from my credit report and out of the office of Central Financial Control because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas no debt collector can collect in the state unless they are register by the State of Texas.
Product: Debt collection

Asset Acceptance set forth a motion for a writ of garnishment on JXX/XX/XXXX, which I was not notified about. I discovered this levy on my bank account thanks to XXXX  email notification on XXXX of XXXX, XXXX  at approximately XXXX. According to XXXX, the hold is for {$6500.00}, yet the writ of garnishment specifies that the amount is {$3200.00}. In addition to not being properly notified by Asset Acceptance or that Asset Acceptance had employed Midland Credit Management to conduct their legal proceedings, both Asset Acceptance and Midland Credit Management did not notify me of intent to garnish wages, they claim I was served on XX/XX/XXXX, but I have no copy of aforementioned summoning. When I attempted to contact the attorney overseeing my case, Case # : XXXX at Midland Credit Management va phone ( XXXX ) on XX/XX/XXXX, a Midland Credit Management representative provided unusable and/or false email information for the attorney managing the writ of garnishment, XXXX XXXX XXXX, whom I emailed to no avail, because the message was undeliverable. Today, XX/XX/XXXX, I attempted to contact XXXX XXXX XXXX at Midland Credit Management va phone ( XXXX ), but was informed by a Midland Credit Management representative that XXXX XXXX XXXX was not representing Asset Acceptance in the aforementioned writ of garnishment ( Case # : XXXX ) despite her name being checked off as the attorney overseeing the case ( Case # : XXXX ). The Midland representative during this phone call, further instructed me that the new attorney in charge of my case ( Case # : XXXX ) was XXXX XXXX, but that shes wasnt in her office and I could leave a voicemail, which I did. I was never notified by Asset Acceptance or Midland Credit Management, in any capacity, that the attorney in charge of my case ( Case # : XXXX had been changed. I can not resolve my case ( Case # : XXXX ) if Asset Acceptance and Midland Credit Management continue to evade and misdirect my attempts at communication with the attorney in charge of my case ( Case # : XXXX ). Asset Acceptance and Midland Credit Management appear to be running down the clock on the writ of garnishment ( Case # : XXXX ), thereby disenfranchising me of my right to communicate with the attorney in charge of my case ( Case # : XXXX ) for a resolution. Ive specified in my emails for XXXX XXXX XXXX and XXXX XXXX, that the writ of garnishment ( Case # : XXXX ) is creating extreme financial hardship on my ability to simply exist, any and all expenses and bills are on hold, because I dont have the funds to even get a tank of gas. Im currently waiting for XXXX XXXX, the attorney with Midland Credit Management, who has assumed charge of my case ( XXXX ), to respond via phone or email.
Product: Credit reporting or other personal consumer reports

IMPROPER COLLECTIONS ON CREDIT REPORT PAYMENT HISTORY LISTED ON CREDIT REPORT UNAUTHORIZED THERE ARE SEVERAL ACCOUNTS OVER 7 YEARS OLD SOLD TO COLLECTION AGENCIES. 
INACCURATE DATES OF ACCOUNT OPEN DATES : EXPERIAN * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WHICH IS INACCURATE. 
XXXX, XXXX STATED I HAVE A CHARGED OFF AMOUNT OF {$450.00}. THIS IS INACCURATE. I WOULD LIKE TO SEE BAN STATEMENTS THAT I HAVE PREVIOUSLY REQUESTED ALONG WITH SIGNED DOCUMENTS OF WITHDRAWLS AND OVERAGES ON THE ACCOUNT. I NEVER RECEIVED THIS INFORMATION AFTER DISPUTING THIS ON THE EXPERIAN APPROX. 2 YEARS AGO. I HAVE ALSO TRIED GOING TO THE BRANCH AND FOUND THAT IT HAS BEEN CLOSED. I NEED SIGNED DOCUMENTS PLEASE BECAUSE IDENTIFICATION IS NOT ALWAYS REQUIRED INSIDE OF YOUR ESTABLISHMENTS. ALSO MY EXPERIAN REPORT STATES THAT THERE IS NO DATA AVAILABLE FOR XX/XX/XXXX UNDER MY PAYMENT HISTORY. PROVIDING ALL OTHER MONTHS BEFORE AND AFTER XX/XX/XXXX IS AVAILABLE ABOUT THE ALLEDGED DEBT I OWE. 
XXXX XXXX XXXX  CREDIT CARD ACCOUNT REPORTS MY CREDIT LIMIT WAS {$230.00} WITH A BALANCE OF $ XXXX IS INACCURATE. MY CREDIT LIMIT REPORTED BY XXXX XXXX IS INACCURATE AND SHOULD BE REMOVED FROM MY CREDIT REPORT. XXXX XXXX REPORTS ON MY EXPERIAN REPORT THAT MY LAST PAYMENT WAS XX/XX/XXXX HOWEVER MY PAYMENT HISTORY REFLECTS PAYMENTS RECEIVED IN XXXX XXXX AS WELL AS XX/XX/XXXX THIS INFORMATION IS NOT ACCURATE AND GIVES CONFUSING INFORMATION ON THE PAYMENT HISTORY AND IS INACCURATE. THIS INACCURATE REPORT SHOULD BE REMOVED FROM MY REPORT AS WELL. 
XXXX XXXX STATES THAT THE ACCOUNT HAS BEEN CLOSED AT CREDIT GRANTOR 'S REQUEST AND THIS IS INACCURATE. I CURRENTLY HAVE A OPEN ACCOUNT WITH A {$200.00} CREDIT LIMIT AVAILABLE AS OF XXXX XXXX PER XXXX WEBSITE. THIS INFORMATION ABOUT ACCOUNT BEING CLOSED REFLECTES NEGATIVELY ON ME AND SHOULD BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 
*
Product: Credit reporting or other personal consumer reports

Hello, to whom it may concern, I could write out a bunch of fair credit reporting acts and USC and UCC codes, but I don't want to do that. My issue is simple. The address ' and phone numbers on XXXX and XXXX are inaccurate. NON MAILABLE ADDRESSES and the phone numbers are deactivated. I have one address and one phone number and I been employed at one company and will provide that info on request. But first I need that inaccurate info to be removed.
Product: Credit reporting or other personal consumer reports

My information has been used fraudulently without my knowledge nor consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX