23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have sent letters to Midland Funding seeking that they validate the debt. They have failed to do so. This company continues to send 1 statement which does not align with the amount of debt they say I owe them. I have never heard of this company, nor have I ever did any business with them. I have requested copies of any and all letters sent to me on behalf of this company. I have not so much as received a copy of the dunning letter that they should have sent me when they began attempting to collect on the debt. I have not received copies of all statements, invoices, receipts, summaries of account nor any document that bears my original signature. How then can this company say I owe them but yet they have nothing to substantiate their allegation. This erroneous, inaccurate item should not be reflected on my credit reports.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 

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
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete all accounts listed below, as I am a victim of a recent data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which protect consumers in cases of identity theft and unauthorized use of their personal information. 
Please find below the accounts and inquiries associated with this data breach : Accounts : XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$980.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$980.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$29.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$1500.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$560.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$260.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$630.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$980.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$680.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$160.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$680.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$30.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$160.00} Inquiries : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX : XX/XX/XXXXXXXX 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/XXXX
Product: Credit reporting or other personal consumer reports

I recently disputed the information showing late payments because it was affecting me from getting housing. However I have been 30-60 days late due to recent separation/divorce. Now XXXX XXXX is reporting that I have missed payments all the way back from XX/XX/XXXX. This information is inaccurate. And I would like for the inaccurate information to be removed. I have proof that I havent missed payments since XX/XX/XXXX. I will reach out to my bank to get proof of payments from XX/XX/XXXX to XXXX XXXX. I will attach XXXX till now.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, a letter was sent to the credit bureaus to correct the derogatory reporting for XX/XX/XXXX. All of the charges on my card were fraudulent and XXXX has refunded me the money & refunded the late payment fee. The credit bureaus are still marking me as late XXXX  days in XXXX XXXX  XXXX, even after I was assured multiple times this would be fixed and I should not be marked late because of the Fraud. This incorrect reporting has prevented me from buying a house and a car. 

I have attached the credit report still showing XXXX  days late in XXXX XXXX  XXXX. I have also attached a statement showing that the entire balance was refunded to be as fraudulent charges, the late fee refunded, but still no correction to the credit bureau reporting.
Product: Mortgage

Previously, I had contacted CFPB with regards to the issues I was having with making mortgage payments to  Freedom Mortg age using their online payment website. Following this, someone not sure who - from freedom Mortgage Customer Service contacted me and said that he was a supervisor. No name or contact info was given to me but he claimed that he would make the necessary adjustments to resolve the overstated charges which would be credited to the principal amount which would be reflected the following month, whioch would be  XXXX   XXXX . At first I saw the amount due for  XXXX   XXXX  would be the usual {$610.00}, but then, somewhere during the interim prior to  XXXX   XXXX , I saw the amount due was changed to {$660.00}. The problem with this online payment site is that  one is not given the option to pay a specific amount according to its category. There 's NO individual listing for principal, interest or escrow. There is just ONE total amount to be paid and that 's whatever Freedom  chooses to put as THAT payment amount. My last payment was an exorbitant {$700.00} or more over the true amount that was actually due and that was supposed to have been credited back to me. Instead,  Freedom has increased the monthly amount due which well may be added unnecessary late charges & fees which they  choose to add on themselves and which there 's NO way of making payment for the actual amount due. Once again, I have been repeatedly calling and emailing and NO response. I have been in the hospital again because of all this and have proof of my constant   XXXX    XXXX   XXXX  caused by the stress  Freedom  Mortgage continues to be responsible for. I am seriously planning to file a civil law suit against this company for   XXXX   XXXX   XXXX   resulting in serious medical issues.  XXXX   XXXX  seems to be  XXXX  again & all I get are solicitation calls about refinancing. THIS is a VA ARM Loan and there has been NO change in taxes or home insurance so there is should be no change in Escrow. Last year,  XXXX , the monthly mortgage payment increased by about {$11.00} due to the change in interest rate, however, that increase from {$600.00} to {$610.00} remains in effect until  XXXX   XXXX , so why is their monthly charge {$660.00}. I am NOT falling prey to THIS SCAM company nor will I allow myself to be manipulated or intimidated in any way by their online payment site which is a BIG Scam. Read ALL the reviews on this yourself. I did call and and asked to speak with someone in the  Accounting/.Finance Dept.  and the person on the other end gave me a blatant NO. I even emailed  XXXX   XXXX  expressing my intent to go into their office in   XXXX   XXXX   NJ to get this all straightened out, yet, NO response.
Product: Credit reporting or other personal consumer reports

I filed a dispute with Experian on XX/XX/2024, about incorrect student loan balance being reported on my credit report. 

Experian shows over {$28000.00} in loans from XXXX XXXX XXXXXXXX. This is not correct. I sent Experian a written dispute by mail, I included the balance sheets from my student aid portal and from XXXX both indicating my current student loan balance is only about {$5000.00}. 
Experian returned the dispute as accurate as is. They are failing to correct my balance on my reported student loan account even after I provided documentation from this particular creditor. The FCRA requres credit agencies to reports accounts accurately, Experian refused to make the correction
Product: Mortgage

On XX/XX/year>, I received my initial closing disclosure showing a lender paid broker compensation fee of {$5300.00}. I signed this document that day. Subsequently on XX/XX/year>, I received a revised closing disclosure and a change of circumstances switching the lender paid fee to a borrower paid fee. I did not request this to be done. 

This second CD also showed reduced points, the administrative fee was removed, and the broker compensation fee was switched from lender paid to borrower paid. I called the loan officer to question these changes. He informed me the loan was not passing XXXX, a term I am not familiar with. The loan officer explained these changes were made in order to pass XXXX. 

The loan officer said, " This is the way it is done and we do it all the time. ". He also mentioned he did this to another loan for a person named XXXX and it required him to pay about $ XXXX more upon closing. 

The loan officer rebuked my concerns because the cost of the loan was about same. He threatened to hang up the phone rather than seek a negotiated agreement. The only solution he offered was for me not to show up at closing. I was concerned that not closing at this late stage would jeopardize my $ XXXX deposit paid to the sellers that were responsive and flexible with me in every step towards bring this house sale to closure.
Product: Debt collection

My name is XXXX XXXX, I signed a contract for One Year with XXXX XXXX   XXXX dated XX/XX/XXXX. As I didn't know far how long my stay would be here at this rental home. I paid XXXX on regular basis without any fail, on XX/XX/XXXX ( After 18 months ) I called XXXX to discontinue my services as no longer required. I did clear my XX/XX/XXXX bill for {$34.00}. This transaction was confirmed by billing dept from XXXX. Now XXXX  illicitly passed my information to collection agencies even after discontinuation of service and paid final bill amount.

Accelerated Receivable Management Inc, PH : XXXX is approaching to collect a 'cancelled ' services bill. In mid-XXXX, I called XXXX billing and informed them about collection company whereas services were cancelled back in XX/XX/XXXX. They promised to make adjustments at their end. But collection company never stopped calling and still sending written notices and calls on daily basis. Now they have started to threaten, harassing and use abusive language over the phone and voice messages.

Accelerated Receivable Management Inc, MUST NOT use abusive language or use harassing words over the phone even when they were advised about cancelled services. XXXX XXXX XXXX ( billing ) has no right to bill and approach collection company for a cancelled service. Now theyre claiming my contract was for FIVE years, ( totally weird, false and malefied statement ) Who can sign a contract once you even do NOT have a lease for over a year? Their claim is totally false and baseless so must be asked to quit. They have spoiled my credit for endorsing a false and baseless claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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: Debt collection

This charge popped up on my credit report and I have no knowledge of this debt. There is no documentation or rationale for this debt from an old apartment - landlord ended lease and I moved out the same month. This must be removed ASAP from all my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

this company is stating that i had a late payment when i did not i tried to explain to them that they must have mistake with their system and that i always made my payments on time and my bank even stated to me that the payment was taken from my account in time and that it was not their fault. this company has refused to fix the situation even after numerous attempts. This is a violation of the FCRA all information must be truthful and accurate at all times and if not then this company can face possible fines and penalties in which i will seek for all of the complications i have had to go through to fix this problem they must show proof that it was my fault that the payment was ever late i paid them on time and they took the money but still put a negative remark on my credit which has impacted me negatively which is against the law. They state that my payment was late XX/XX/XXXX in which it could of very well been a problem with their systems due to corona related issues in once again you cant penalize a person if something happens because of a National Disaster.
Product: Credit reporting, credit repair services, or other personal consumer reports

late payment reported for XXXX account number XXXX in XX/XX/XXXX for 90 days late is inaccurate. I was not 90 days late. ( current for XXXX, XXXX and XX/XX/XXXX ). 

late payment reported for XXXX account number XXXX in XX/XX/XXXX for 90 days late is inaccurate. I was not 90 days late. ( current for XXXX, XXXX and XX/XX/XXXX ). 

late payment reported for XXXX accounts XXXX in XX/XX/XXXX for 90 days late is inaccurate. I was not 90 days late. current for XX/XX/XXXX, XXXX and XX/XX/XXXX. 

XXXX, XXXX and Transunion have a duty to do what is fair and equitable to me and delete the inaccurate late payments reported.
Product: Credit reporting or other personal consumer reports

To : Consumer Financial Protection Bureau Subject : Request to Address Erroneous Credit Reporting and Non-Compliance with Tax Regulations Dear CFPB, I am writing to formally dispute and request investigation into the reporting of balances on my credit report for the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have been written off by the creditors as profit and loss deductions for tax purposes, yet they continue to reflect balances on my credit report. To my knowledge, creditors are required to issue a Form 1099-C ( Cancellation of Debt ) to debtors for any written-off debts exceeding {$600.00}, as specified under the Internal Revenue Code ( IRC ) 6050P. I have not received these forms. 

Case Law Supporting My Claim : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case emphasized that inaccurate reporting or attempts to collect on debts that have been discharged or written off can violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

XXXXXXXX XXXX XXXX  XXXX, XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) : The court ruled that continuing to report balances on written-off debts as " due '' or collectible could constitute deceptive practices under federal law. 

IRS Revenue Ruling 2003-12 : Clarifies that issuing a Form XXXX099-C signifies a discharge of debt. Once a creditor writes off a debt and claims a tax deduction, the debt is effectively canceled for accounting purposes and can not remain reported as due. 


Thank you for your attention to this important matter. 

Sincerely, XXXX XXXX
Product: Debt collection

This collection just appeared on my credit report one day. It is also listed under another name. I have 2 first names and only one of them match. Maybe it is meant for the other person but I have no idea how it got attached to my SSN. 
I also did not receive any letters in the mail, any phone calls or emails notifying me of this alleged debt before it was posted to my account. 
I assume it is the same alleged debt but on my credit report, it is listed as an open account under different original creditors and different company names.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I formally requested that Equifax provide proof of my authorization for the inquiry listed on my credit report via the CFPB portal. In response, Equifax requested that I submit proper identification to proceed with the investigation, which I promptly provided. Despite this, on XX/XX/year>, I received a letter from Equifax claiming that the inquiry was valid because my information was allegedly used to obtain a mortgage. 

Let me be clear : I am not disputing the validity of the inquiry. I am disputing that this inquiry was fraudulent and unauthorized. I never granted permission or authorized anyone to make an inquiry regarding a mortgage on my behalf. To substantiate my claim, I subsequently provided Equifax with an FTC affidavit of fraud confirming that this inquiry was unauthorized. 

Equifax has blatantly violated my rights under the Fair Credit Reporting Act ( FCRA ) and CFPB guidelines by failing to provide proofsuch as my signature or any documentationauthorizing this inquiry. They are now legally obligated to remove this unauthorized inquiry from my credit report immediately. 

This is a formal demand for the immediate removal of the fraudulent inquiry. Failure to comply will leave me with no option but to escalate this matter further, including pursuing legal action to enforce my rights under the law. I expect prompt confirmation of the removal of this inquiry from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is being reported as closed on one report but not the other. I only have XXXX XXXX XXXX account. There was fraud on my account so they sent me a new card and closed the other card under the same account. The funds were also refunded and the account was not late. This reflects on the new billing cycle. This is inaccurate. My credit also still shows that XXXX was not removed from XXXX and Experian. As well as the XXXX XXXX account that should be deleted. This was never my account. I never had a credit card from XXXX XXXX This is also inaccurate and must be removed. The reports that I have attached shows this. Please see attached document from creditor that reflects the inaccuracies that show on my report. 15 U.S.C. .C. 1681 SECTION 602 A. STATES I HAVE THE RITE TO PRIVACY. 15 U.S.C.1681 SECTION 604 A SECTION 2. IT ALSO STATES THE CONSUMER REPORTINGB AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C.1681C. SECTION STATES : NO CONSUMER REPORING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAIN ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ATTEDATES THE REPORT BY MORE THEN 7 YEARS 15 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE. Attachments
Product: Mortgage

ServiSolutions, the mortgage servicing department of the Alabama Housing Finance Authority, wrongfully foreclosed on homeowner XXXX home located at XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX. ServiSolutions failed to timely renew the homeowner 's insurance, then forced-placed more expensive insurance, and then failed to mitigate unnecessary foreclosure by failing to work with homeowner to apply for loss mitigation. Homeowner is XXXX and lived in his home with his XXXX son.
Product: Checking or savings account

XXXX based assistant Vice President for BOA XXXX XXXX who initially deceived me into believing she had my best interest at heart and almost within seconds tried to seize control of my banking, his intensified here apparent retaliatory effort that no they are so in non-compliance with CPF. As result of a credit not being issued for a claim again XXXX XXXX on XX/XX/XXXX they are now not only over drawing my account they are attempting to charge me fees. Again, had the credited the claim as required, there would be sufficient money to pay my debts and them some However, in as a BOA SVP has a state in profit sharing it is no surprise they are joining together retaliate by now taking my money And the CFPB stands by and does thing my XXXX XXXX continue to oversee BOES incredible non-compliance Thanks XXXX
Product: Debt or credit management

Closed account with an agent at XXXX XX/XX/year> to go with a different Insurance company and was told at that time the account was paid in full. Then received a bill for the {$320.00}. This is not my debt. Please remove from my credit.
Product: Credit reporting or other personal consumer reports

For the past several months, I've been sending certified mail to Experian and XXXX disputing inaccurate information on my consumer report. They haven't provided me with a proper investigation nor have they provided with the proper documentation. They aren't properly investigating these issues. When i spoke with a representative on the phone, they informed that they are using a software and no LIVE human is reviewing my disputes which is why I'm not getting results. It is their job to review this information, not a computer to do it. I recently mailed them letters, which i will attach below, disputing these inaccuracies along with proof of ID and proof of address. 

Experian XXXX Tracking Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tracking Number XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Carecredit.com opened a credit card account in my name without my consent or my application for such an account. I received a credit card in the mail and I promptly called the customer service number and closed the account. I was told they would send a letter confirming the closure.