23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing in reference to the debt collection company, Midland Management , Inc. I formally disputed the debt and requested that the company validate the debt as required by the Fair Debt Collection Practices Act ( FDCPA ).

Despite my request, I have not received the necessary information and documentation to validate that the debt belongs to me and that the company has the legal right to collect such debt. The Federal Trade Commission ( FTC ) has made it very clear and stated that a mere photocopy of a bill does not constitute sufficient validation for debt collection purposes.

It is my understanding that under the FDCPA, Collection agencies are obligated to provide the following information to properly validate the debt : Verification of the amount owed.

Proof of ownership of the debt Evidence that you have the legal right to collect the debt.

As of the present date, I have not received any valid documentation or verification of the debt in question from Midland Management , Inc, despite the legally mandated request for validations and all my efforts of communication to properly validate the debt. I urge Midland Credit Management , Inc to comply with the FDCPA and the FCRA and provide the necessary documentation to validate the debt within the required time frame.

Due to midlands lack of efforts to properly validate this debt, I question the legitimacy of the debt and their ability to collect such debt. Midland Credit Management , Inc. have NOT provided me a copy of ANY original documentation which I requested in my previous written request required per FDCPA 15 USC 1692 and the FCRA under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC1681i ( 5 ) ( A ) of the FCRA.

As stated, before the Federal Trade Commission ( FTC ) has made it very clear and stated that a photocopy of a bill does not constitute sufficient validation for debt collection purposes. A copy of a bill WILL NOT and DOES NOT give Midland Management , Inc. the right to collect this debt in a court of Law this has been stated by the Federal Trade Commission. You must be the owner of this debt. In addition, sense I have never entered into an agreement with Midland Credit Management , Inc they must have a Legal right of ownership to collect this debt. The Purchase agreement will establish this, and I have requested this information multiple times in my previous attempt of validation with Midland Credit Management , Inc .
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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

XXXX, XXXX, Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX have utilized my information without proper consent. Reporting and selling my information to each other. Giving promises of credit. Hindering me from life, liberty, and the pursuit of happiness to live freely. Therefore the information which is being reported to my consumer credit profile is false. 15 USC 1681s - 2 states that a person must not provide information about a consumer to a CRA if they know or have reasonable cause to believe that the information is inaccurate. Per 15 USC 6802 - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. the consumer is given an explanation of how the consumer can exercise that nondisclosure option. A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. All of these agencies are third party agencies and did not have my written consent to disclose my personal information for any basis of inaccurate information being furnished on my consumer credit profile. The 3 main credit reporting agencies : XXXX, XXXX, & Experian have been known for their deceptive practices, unlawful dealings of publishing false information on consumers credit profiles. They have also breached my rights under the Privacy Act of 1974. The Federal Educational Privacy Act ( XXXX ) for sharing my personal information with these agencies for monetary value. These companies, knowingly and willingly continue to disregard the FCRA Law, FDCPA & FTC guidelines which they all sign under their Indenture Trustee/Trustee/Servicer/Depositor SEC Forms . It is a VIOLATION!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Acount name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXXXXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : 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 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. And i have filed police report as well
Product: Credit reporting or other personal consumer reports

I called XXXX to get a validation of debt that they say I owe of XXXX from all of the schools they say I attended I asked for Promissory notes with my signatures, they responded that they would send proof. Two days later I got an email from XXXX with a Promissory note from XXXX XXXX saying I owe XXXX that was the only proof they provided with that being said all three of my credit reports show I owe XXXX this is inaccurate info and affecting my credit negatively I need the loans showing on my credit bureaus to be removed permanently because XXXX can not validate the remaining XXXX.
Product: Credit card

I have not received a signed agreement and some of my payments are missing from the statements I was sent. I had never been sent a statement before, so I did not know what was going on. I know I borrowed some money from Care Credit for medical care XXXX or so years ago ( 2019 ). I was not mailed a copy of the agreement, so I did not know Synchrony Bank was involved until I called Care Credit and asked where to send my payments. I then called Synchrony and made sure they had my address made a payment and picked a due date so I could pay on time each month. I put my bank account on auto-pay and make a minimum of {$180.00} a month sometimes more. I did not miss a payment and I was never late. I did not get any communications from them and was making payments for 3 years until I received a letter stating that I was in default. 
Here are the issues with the statements I received by mail : 1. There is no copy of my signed agreement showing the amount I borrowed.

2. payments are missing from the statements that I was sent.

3. I was charged late fees when I sent the payments on time.

4. I did not sign up for the coverage insurance I was billed for every month.

I have asked for this information by phone, email, and postal mail. They will not provide me with this information and have ruined my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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: Debt collection

I received a collection letter from Wakefield & Associates, XXXX, TN on XX/XX/XXXX stating that the University of Tennessee Medical Center had sent them this case. 
The amount of the debt was {$900.00}. There was no other information given. 
I called XXXX billing office on XX/XX/XXXX and spoke to XXXX. I asked for the date of service for this amount and was given the date of XX/XX/XXXX. 
XXXX stated that he would research and call me with the results of the search. XXXX called me on XX/XX/XXXX. He informed me that there was nothing that XXXX could do because this debt had already been turned over to Wakefield Agency. Meanwhile I found documentation that the invoice had been paid. I obtained a copy of the check ( front and back ) where I had paid for two ( 2 ) invoices on the same check and I had a copy of my Visa bill where I had paid another {$1100.00} on XX/XX/XXXX. These balances were from my husbands XXXX. I explained to XXXX that I didnt believe I owed this because my husbands insurance out-of-pocket was only {$3900.00} and I had paid XXXX  {$3300.00} for XXXX only plus numerous other payments that had been made, his ( XXXX XXXX ) out-of-pocket was met as of XX/XX/XXXX. 
XXXX then told me that he had found the reason that the amount had been sent to collection was because on XX/XX/XXXX your insurance took it back. I asked for an explanation of this because I didnt understand. He had no explanation. 
I then asked him to send me a detailed bill for the amount in question. He stated he would and informed me to call Wakefield & Associates and ask to speak with their insurance department because this department would be able to talk to the insurance company ( XXXX XXXX ) directly. 
I then called Wakefield & Associates directly, but was informed that their company would not communicate with the insurance company but the insurance company would have to call Wakefield. 
This seems like a circle of errors with me caught in the middle. I am a XXXX XXXX XXXX widow and have excellent credit. I cant afford to have this on my credit report. 
I did call XXXX XXXX and was told that I was not on XXXX  insurance for XXXX  to give me information. I know this is not correct because for the last 4 months that XXXX was alive I communicated with all of his medical providers and his insurance. 
I dont know what else to do, please help.
Product: Debt collection

I have received information regarding a debt being claimed against me. Through my rights, per 15 U.S. Code 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party is making the claim. After receiving such information, I will review and respond within the 30 days allotted by federal law.

If it is found that there is no evidence of this debt under my name, I will demand that all credit bureaus and financial institutions be made aware and corrected promptly, or I will file a complaint with the local or federal agency.

Upon receiving this letter and immediately responding to this request, I am requesting telephone communication. I am aware of the request for payment by your company, and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties.

In addition, the following documents are to be included with this response : 1. The original contract with the original creditor has my signature on it.

2. Payment history with the original creditor.

3. Proof of debt assignment.

I appreciate your efforts and look forward to your immediate response.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I submitted a dispute regarding a public record a few months ago ( 60 days approximately XXXX which was in writing via certified mail. The investigation resulted in no change and I inquired about how the dispute was investigated. I was informed a third party ( XXXX and XXXXI ) had provided information. I followed up with a second written dispute and provided supporting documentation showing an incorrect public record. I asked for a thorough investigation and explained why XXXX and XXXX had incorrect information, as they only had access to Pacer and did not contact the record holder. I provided a statement from the original placer of the record and confirmed XXXX and XXXX had not contacted them. After submitting the second dispute in XXXX the investigation was again closed without change and without reasonable investigation, so I opted for a 15 day reinvestigation, but was denied this right by the consumer reporting company who instead opened a new dispute and clearly stated they did not have to reinvestigate, even under 15 usc 1681 and with supporting documents. The item was not removed as required by law during the reinvestigation period and I was told that my documents were not reviewed by the third parties XXXX and XXXX. I would request the public record be removed as it contains an error and the consumer reporting agency did not investigate the claim properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several Fraudulent Inquiries that are being furnished to my credit report from XXXX and equifax, As well as some of my personal information is incorrect I will attached an FTC report to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint regarding fraudulent items on my credit report. I have recently discovered several items on my credit report that I did not authorize or participate in. These items are damaging my credit score and causing significant financial harm. I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution. Despite providing documentation and evidence of the fraudulent activity, these items remain on my credit report and continue to damage my credit score. I believe that the fraudulent items on my credit report are the result of identity theft, and I am deeply concerned about the potential impact on my financial well-being. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that these fraudulent items are removed from my credit report and that my credit score is restored to its previous level. I need the following items removed from my Credit FIle : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} ABILITY XXXX XXXXXXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX {$6600.00} XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score.
Product: Checking or savings account

To whom it may concern, I was expecting to receive a check from Citi Bank late last year regarding to the reimbursement of car insurance. Not only I did not receive my check, but also told by Citi Bank that the missing check was instead cashed by one of the XXXX XXXX  Branch. I have confirmed with Citi Bank that the only payee on the check is me so that the check is cashed unauthorized. 

I have been contacting Citi Bank since the incident was aware, however, they report that they can only provide me up to the information of cash date, XXXX XXXX  branch, and the check number and refuse to escalate this issue to their Treasury Department for further handling. 
I have also contact XXXX XXXX  about this issue since I am also an account holder of XXXX XXXX, but they only reply that this issue can only be handled by Citi Bank and also refuse for further handling. 

I have information including the Citi Bank Claim Number ( also their reference number of the case ), check number, Branch information where the missing check is cashed, cash date, and check amount upon your further request. 

your help is sincerely appreciated
Product: Credit reporting

I have disputed this issue with all credit reporting companies, XXXX, Equifax and XXXX. XXXX and XXXX have removed it from my credit report and I would like this issue resolved. Name of the company is XXXX XXXX XXXX and balance is {$210.00}. It is really affecting my credit score and have sent them several letters including notarized letters as well and have not received any responses.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2022 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 of 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

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. XXXX Account # 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 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. 
XXXX XXXX  or leases Total balance : {$22000.00} XXXX XXXX XXXX LATE PAYMENT Balance {$22000.00} Balance updated XX/XX/XXXX XXXX closed account XXXX loans Total balance : {$30000.00} XXXX XXXX XXXX  Balance {$30000.00} Balance updated XX/XX/XXXX 6 closed accounts XXXX loans Total balance : {$690.00} 2 closed accounts XXXX Total balance : {$250.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX 
XXXX {$250.00} XXXX updated XX/XX/XXXX Collections can stay on your credit report for up to 7 years from the delinquency date, but they typically affect your FICO Score less over time. 
XXXX These lenders have accessed your credit file : XXXX XXXX NA Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX