23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The company calling my number XXXX persistently is MIDLAND CREDIT MANAGEMENT. They call me every hour or any day even Sundays. I do not have a debt with anyone. My debt was discharged a long time ago theough bankruptcy. 

They are calling me trying to collect someone else debt through me but calling me instead. They need to stop I do not owe anyone and whatever debt this is they need to find the rightful people and call them instead. 

This number is rightfully registered to only me who owes no debt and they need to STOP calling me or XXXX make further legal charges after this.
Product: Credit reporting or other personal consumer reports

Personal Information Also Known As : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX, XXXX, XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX, Employers : XXXX Employers : XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Late Payment XXXX XXXXXXXX
Product: Mortgage

Ocwen ismay mortgage holder. They transferred all their clients to XXXX XXXX who does not accept my payments thru the system. I have until the XXXX to pay the mortgage but both ayatemaare not working. I have called all the numbers listed in their website and nothing. I need assistance in getting through them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Closed credit card with Citicard in XXXX, XXXX. Citi keeps billing, sending collection calls to my husbands work phone and sending me emails stating we owe them on a dispute which was resolved back in XXXX, XXXX from merchant XXXX and XXXX. XXXX and XXXX failed to deliver gift basket to my doctor so I disputed their {$60.00} charge with Citi. XXXX and XXXX credited {$60.00} back to Citicards immediately as I saw the transaction online. Now after we closed our account and unable to see transaction, Citi has been harassing us for the disputed amount plus interest and late fees. We have reached out to Citicards at least 5 times now where in the agents see the credited {$60.00} back from XXXX and XXXX, but yet say they cant do anything about it ; its the Dispute Depts job and they will call you back. Nobody from Citicards has ever called back. Now Citi says we owe them {$140.00}!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - Emergency Room visit.XX/XX/XXXX - ER bills my insurance company for XX/XX/XXXX ER visit ( {$590.00} ). Claim processed and paid.
XX/XX/XXXX - ER bills my insurance company AGAIN for same XX/XX/XXXX ER visit ( {$590.00} ). Claim processed but NOT paid while insurance investigates duplicate charge.
XX/XX/XXXX - ER sends the second/duplicate claim to collections in spite of obvious billing error.
XX/XX/XXXX - Discovered duplicate claim/bill went to collections during the process refinancing a loan. Contacted XXXX XXXX XXXX  to resolve. Paid account in full because I could not afford to have a open collection account on my credit report while applying for loan.
XX/XX/XXXX - Discovered the New York Attorney General Settlement/Credit Reporting Agencies Agreement ( see below ) III. AFFIRMATIVE OBLIGATIONS AND PROHIBITIONS A. Data Accuracy and Quality 3. Medical Debt Collections c. The CRAs shall implement a process designed to remove or suppress known medical collections furnished by Collection Furnishers from files within the CRAs respective credit reporting databases when such debt is reported either as having been PAID IN FULL by insurance or as being paid by insurance.
XX/XX/XXXX - Faxed proof/supporting documentation from insurance company to XXXX XXXX XXXX  indicating original bill was PAID IN FULL by insurance and the that the second/duplicate claim was due to a a billing error. In spite of this I was told that it still would not be possible to have the account " deleted. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report for Transunion and XXXX has dropped by 60 points since XX/XX/2021 for no reason. I have paid off a car loan to XXXX  XXXX since last month. I paid off all of my credit cards except for one. I refinanced my home from 3.25 to 2.25 %. The one credit card that I opened has a 16 month intro at 0 %. All of these positive points have been done since XXXX and yet my score goes down 60 points. This is unacceptable and needs to be reported. I contacted Transunion to find out why my report went down and could not get an answer from them
Product: Credit reporting or other personal consumer reports

Kindly remove these inquiries. I am not informed about them, and they were made without my consent.
Product: Vehicle loan or lease

Company is fraudulently over charging and not applying my extra payments overcharging for account amounts late fees I never had any knowledge of until this day XX/XX/XXXX when I spoke with XXXX who advised there are late fees on my account that have never been satisfied from XXXX, XXXX, XXXX and XXXX despite I have been paying an additional amount of {$50.00} towards my account for the last three years additionally I paid {$1200.00} in XX/XX/XXXX and on my due date for XX/XX/XXXX the statement amount owed is {$410.00} when my actual amount due per month is {$350.00} despite the pandemic and my XXXX I am being XXXX for money I do not have and violated as a consumer I need this investigated
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, credit bureaus did not provide any proof of evidence..CFPB please delete the accounts DEPTEDXXXX   XXXX****, DEPTEDXXXX XXXX****,XXXX XXXX**,
Product: Student loan

I have disputed these 5 student loan accounts, they are validated through the credit bureaus, so someone can find them. Or they EdFinancial just rubber stamps as correct, factual and accurate. How can EdFinancial validate if they can't find them?
Product: Mortgage

I have a conventional mortgage with PMI. I reached the LTV of 80 % and/or LTV of 78 % last year, but the bank keeps charge me for the PMI. I asked them about it on XX/XX/XXXX and they refused to consider. I called them last week ( not sure about the date but between XX/XX/XXXX - XX/XX/XXXX ) and they say they are going to summit a cancellation of it, promise to return the money ONLY for the last month ( XX/XX/XXXX ). Called them again today XX/XX/XXXX requesting the return of the money overcharged and again it was denied saying it was my fault for not summit a request for it. According to my calculations that amount is over {$800.00} dlls. My original mortage was XXXX with a down payment of 5 %
Product: Vehicle loan or lease

Volkswagen XXXX XXXX said I completed a car loan application online I went to ask them about this when I found out I had a car loan out in XXXX because I received toe tag notices and that the car was behind on payments the loan was taken out in XX/XX/XXXX of XXXX tell them I did not do this he insisted I did he also said I initialed the contract which I never saw the contract and it showed anything or filled anything out for this car I did not take ownership of his car the co-borrower took position of the car I do not have keys to the car now I have a loan in my name at Volkswagen credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified inquiries, and inaccurate personal information listed below are still reported on my credit report in violation of federal law. The Credit Bureau failed to comply with the FCRA and there are no actions or responses yet. As I reviewed my updated credit report these inquiries and inaccurate personal information remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the inquiries and inaccurate personal information which are still showing on my reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Hi I have 2 existing loans and tax information on the conduent loan service website and I can't access my loan information. When I called on XX/XX/19 I was unable to get a representative to speak to me to find out more information. My existing login information for conduenteducation.com was working as of XXXX and now it continues to say that they no longer service my account. However I received no notification of this or new lender info. My username and password simply do not work. I am now a month behind on payments and am trying to resolve this issue with conduenteducation.com.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent TWO letters to this credit union, and they do nothing. I'm XXXX XXXX XXXX XXXX XXXX. They continue to say I've made a {$3.00} payment in XXXX of 2022, yet I can't afford my medications. Someone from the XXXX XXXX  is helping me with this. It's over 100 degrees daily, so how long do you think I'll be alive? I'm trying to get XXXX  XXXX XXXX, however, this account shows current with that {$3.00} payment. They need to STOP reporting this and remove it NOW, not weeks from now. Totally unreal and friends are now posting their abuse on XXXX. Social media can be of great help. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my Consumer Credit Reports. The reports are indicating that a I have 30 day late payment in XX/XX/2023 reported by XXXX XXXX XXXX  This a serious inaccuracy a needs to removed immediately. I have never been on any accounts. Please provide proof that this account was paid late by provide me a banking showing by demanding a copy of the statement that confirms. 

If proof can't be provided, I demand that the XXXX account be updated to its correct status and satisfactorily paid on time.
Product: Credit reporting or other personal consumer reports

Hello, My personal information has been compromised in several data breaches. Ive attempted to correct the inconsistent data on my credit report several times to no avail on record for the past 4 years. The inaccurate information will get deleted, then similar incomplete information gets inserted back on to my credit report. These unknown accounts do not have complete or accurate information, nor will the furnishers provide detail or elaborate of their investigative sources for information. Which is a violation to my right and their failure to disclose. Ive been informed to contact the 3 main credit bureaus XXXX, TransUnion or XXXX that all information has been verified. Its a repetitive circle with no relief which is not what is disclosed of in 15-USC-1681. I have been negatively impacted by this and it has severely impacted my credit worthiness, character and ability to pursuit of contractual obligations, lack of full disclosure and my individual rights to privacy. I am requesting the findings in full disclosure and deletion of all derogatory and defaming information until I have had time to review, contact and respond to these furnishers for accuracy. Please help.
Product: Credit card or prepaid card

look i already know you will say you have helped me with the XXXX charge from rental car but i have not and for the fact i have not i will not be using my accounts any time soon any of them. i am tired of the one size fits all. bottom line after all these years if you cant refund XXXX bucks for thr ental car when it was filthy and i did call merchant and i will be contacting ceo then i cant use my accounts and will be using others. loyalty for loyalty and there is none here.the rental car charge i am upset oever. In addition my card ending XXXX i just charged a big charge on XXXX XXXX since that is when my statement closes. now i am being told it will close XXXX and that charge will likely be on it. i was not informed of this change and as such i will ask for any and all interest chargtes at the office of ceo. i was never informed and had i been based on my overall usage i would not have used that card for that amount on XXXX XXXX as i never do. please no scripts. between the 2 issues i am done with the bank for now. that said do not close my accounts just feedback for now. no loyalty then i cant give it. if you send a letter saying a cycle has changed you need to confirm the person gets it i did not and did not know and thus my activity. i am livid. 
rental car if i am not worth XXXX bucks to you to help me since i was wronged than i must take this into account when i choose cards to use. CAR was filthy and did not start many times i contacted merchant i cant chase anymore i can choose who i use though and never alamo again. HELP real help not scripts or telling me you already addressed this. i am so tired of the run around. no more loyalty here.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some of my student loans are reflecting as late or never paid. However, all my student loans are in good standing. The bureaus are not reporting correcting, accurately.
Product: Checking or savings account

I attempted to create an account with Truist on XXXX XXXX XXXX I received an email with an application ID of XXXX. I paid {$50.00} using a debit card to deposit funds. The email stated here are your new account details. 


Upon trying to make an account through the app and website, I was told that the account was closed and that it could not be opened. I have not been refunded for the {$50.00} after the account has been closed. 

On XX/XX/XXXX, I received a letter in the mail stating the account statement with an account number XXXX. The account was charged {$12.00} for the monthly maintenance fee even though the account was supposed to be closed. 

On XX/XX/, I contacted Truist and was told they can not close the account. I was instructed to go into the branch and I went into the local branch and was told to call Truist and get in touch with their fraud department. Again, I could not get ahold of anyone who could close the account.
Product: Mortgage

XX/XX/year>, I lost the property during the XXXX XXXX XXXX could not complete the short sale and tax buyer could not assist to prevent deed and everyone at the mortgage company working with during this time was unavailable to finalized the clear to close with the title company because of the XXXX XXXX XXXX. 

XXXX XXXX was the date of last activity according to what was reporting on my credit report and did not report delinquency because of the XXXX XXXX XXXX outbreak in XXXX 

Now my credit report is reporting XXXX late as of XXXX XXXX and my score has dropped XXXX points from XXXX score to a XXXX score XXXX as of XXXX XXXX because of another dispute to have this item removed from my credit my score dropped another XXXX points to XXXX now. 
I could not afford the expenses on this property any longer and my tenant moved out because the house was shrinking and was a health hazard under the water doing XXXX XXXX XXXX
Product: Debt collection

I got a call today from Credit Control Corporation, phone number ( XXXX ) XXXX, but the caller did not leave a message. I called them back and the person who picked up the phone didn't give me any details. She simply asked me for my Full Name, Date of Birth and Full Social Security Number. I told her that I didn't want to disclose my personal information. 
She then threated me with garnishments or arrest if I didnt disclose my personal information and pay my debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX OH XXXX Subject : Formal Request for Debt Validation, Assignment Contract, and IRS Form 1099-C Compliance Dear XXXX, This letter serves as a formal request for validation of the alleged debt and compliance with all applicable legal requirements under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Consumer Financial Protection Bureau ( CFPB ) guidelines.

Request for Debt Validation and Documentation : Pursuant to federal law, I request that you provide the following documentation to substantiate the validity of the alleged debt : 1. Assignment Contract and Bill of Sale : o A complete copy of the assignment contract and bill of sale demonstrating your agencys legal authority to collect this debt.

2. Permissible Purpose : o Proof of permissible purpose under the FCRA ( 15 U.S.C. 1681b ) that justifies your access to and reporting of this alleged debt on my credit report.

3. Debt Validation : o The name and address of the original creditor. 
o A complete and itemized accounting of the debt, including the original amount, payments made, interest, fees, and charges applied. 
o Copies of all contracts, agreements, or documents bearing my signature that establish a contractual obligation for this debt.

4. IRS Form 1099-C : o Confirmation and documentation of whether an IRS Form 1099-C ( Cancellation of Debt ) has been issued for this account pursuant to 26 U.S.C. 6050P. If a 1099-C was filed, please provide a copy.

5. Verification of Reporting Accuracy : o Confirmation that all information reported to credit bureaus is accurate, complete, and in compliance with 15 U.S.C. 1681e ( b ), which requires data furnishers to maintain reasonable procedures to ensure the accuracy of information they provide to consumer reporting agencies.

Cease and Desist Notice : Effective immediately, I demand that you cease all communication with me regarding this alleged debt, as permitted under 15 U.S.C. 1692c ( c ). This includes phone calls, letters, emails, or any other form of contact. All future communication must be in writing and limited to providing the requested validation documentation. 
Demand for Compliance : If you are unable to provide the requested validation and documentation, I demand that you immediately : Cease all collection efforts. 
Remove any negative information related to this debt from my credit report. 
Confirm in writing that this matter has been fully resolved.

Failure to comply with these legal obligations may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the office of my states Attorney General.

Please send all requested information and documentation to my address listed above within 30 days of your receipt of this letter.

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

I am devastated. I was doing a personal investigation into my credit and felt distressed as I looked and saw that there are a myriad of errors being reported on my credit. The information that is reflected on my credit report is unfound and unverified, yet I am being penalized for the agencys failure to do their job and make sure every reporting is 100 % accurate.
Product: Credit reporting or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act XXXX XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX
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 XXXX XXXX XXXX XXXX : account # XXXX XXXX : account # XXXX XXXX XXXX XXXX : account # XXXX XXXX XXXX : account # XXXX XXXX : account # 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.