23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Midland Credit Management ( MCM ) purchased a charged-off account of mine from XXXX XXXX. The account was opened in XXXX in XXXX, NM. I never received a letter regarding the debt or collections actions, and never had an opportunity to dispute the debt. 

In XXXX, MCM assigned my case to a law firm who filed suit against me in XXXX XXXX, Missouri where I do not reside. In attempting to serve me with paperwork ( on XXXX XXXX, XXXX ), regarding the lawsuit, the service was returned with the message that I did not reside in the county. So far, I have not received any information about this suit, and the only way I know about is by searching my name ( after being denied an apartment rental partially because of this case ) in Missouri 's court records website. 

No action was taken after XXXX XXXX, XXXX to locate or contact me. In XXXX XXXX a notice was given ( supposedly to both parties, though I did not receive it ) that the case was scheduled to be dismissed because no action had been taken for three months. In response, the law firm suing me filed a change of venue request as a stalling tactic. To date I still have not received any mail or service regarding this collection activity.
Product: Debt collection

I have asked for validation and verification on several occasions and these people have not been able to validate and verify pursuant to 15USC1692g, and 15USC1681. This DEBT COLLECTOR XXXX , XXXX, or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed. 
This DEBT COLLECTOR XXXX , XXXX, FEDERATED LAW GROUP, PLLC has sent me a notice of lawsuit filed, but since this is a communication from a DEBT COLLECTOR they would have to take the consumer to a UNITED STATES DISTRICT COURT to get a competent jurisdiction to say that I owe them anything which they have not been able to show. These individuals have put entries into my personal credit reports and they have been disputed but they still show up as my account. I did not give them my private non-public information so I do not know how they obtained it. This is IDENTITY THEFT PURSUANT TO 16CFR603.2. I have asked these DEBT COLLECTORS to CEASE AND DESIST contacting me but they continue to do so They have harmed my consumer natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. 
I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, embarrassed and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR to contact me pursuant to 15USC1692c. I never asked this DEBT COLLECTOR to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR XXXX XXXX, FEDERATED LAW GROUP, this is aiding and abetting fraud on the Consumer who is a natural person.
Product: Credit reporting or other personal consumer reports

My wages are currently being garnished by XXXX XXXX by order of court which began with the first payment on XX/XX/year> and the last payment on XX/XX/year>. XXXX is not updating this info or showing my correct new balance due amount or payment amounts or payment dates. All XXXX credit bureaus have a wide range of information not even close to XXXX another and its severely damaging my credit score. I have disputed the account over XXXX now with Transunion and my account fails to be updated or removed from my report. Even after sending them proof of payments and total amount paid ( copies of the court order and copies of my paystubs showing the garnishments ) XXXX XXXX also has yet to provide me with updated balances or a ledger of payments after XXXX  months of taking my wages, I think they are highly unprofessional and their work is sloppy.
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
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX. ) XXXX and XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX. Please delete these accounts ASAP.
Product: Credit reporting or other personal consumer reports

I am writing as a victim of a data breach and subsequent identity theft, and I am formally requesting that you block and delete all unauthorized accounts and inquiries listed below from my credit report pursuant to 15 USC 1681c-2 ( a ) and Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ). 
These accounts and inquiries are fraudulent and were opened or made without my knowledge or consent. I request your immediate attention to investigate and take the appropriate actions to ensure these are removed from my credit file. 
Fraudulent 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 XXXXXX/XX/XXXX - {$1500.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$640.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$89.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$590.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$93.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$100.00} XXXX. UNAUTHORIZED COLLECTION - XXXX - XX/XX/XXXX - {$89.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$1600.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$14000.00} Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX Account XXXX : XXXX
Product: Credit card

Call fraud unit dept cause fraud charges on my account right after I submitted my last complaint and mananger XXXX wouldnt provide even basic info regarding the charges, she said she doesnt handle fraud charges and she sound it unhelpful Also her did not verify passcode in the account Extremely disturbing
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of these items from my credit report, which is the result of fraudulent items origination and identity theft. This fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this items that does not belong to me which is reported erroneously. I am in desperate need of these items to be INSPECTED and REMOVED. DEPTEDXXXX  XXXX, XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

FCRA XXXX says they should remove incorrect accounts from reports. Could you please look at the documents? The accounts on my report are wrong, and it's upsetting and worrying me.
Product: Credit card

There is a fraudulent charge on my account. I have contacted the fraud department on numerous occasions about the matter. However, now they refuse to speak with me about the matter and XXXX of the representatives went as far as to yell at me and then hang up when I only asked for her to repeat XXXX sentence because I was taking notes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by the Equifax data breach I didnt consent
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Act XXXX XXXX XXXX XXXX Last reported XXXX XXXX, 2023 {$14000.00} XXXXXXXX XXXX {$3700.00} Open balance {$320.00} XXXX XXXX XXXX XXXX XXXX {$0.00} Reported balance Credit limit {$4000.00} XXXX Last reported XX/XX/2023 {$200.00} Reported balance Credit limit {$3500.00} Reported balance Credit limit {$4000.00} XXXX Last reported XX/XX/2023 {$200.00} Reported balance Credit limit {$3500.00} has violated my rights. 15 U.S.C 1681 section 602 A. XXXXtates 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, credit repair services, or other personal consumer reports

XXXX keep posting incorrect details in my account for the past 1 year, i do not have any accounts in derogatory status in other bureaus but it still shows my account in derogatory, account with negative information is 6 but when i see each report there are none as all accounts are paid or closed
Product: Credit card or prepaid card

Its been 10 business days already and I haven't received my XXXX debit card
Product: Checking or savings account

Unfortunately, another institution that takes advantage of the minority population. As I am building my legacy for myself and children. I was racially profiled and discriminated against by the VP of Truist. As I was vulnerable to the bank about my needs to grow my nonprofit organization and I was tooken advantage of. After I was told that my EIN was needed to initiate the business line of credit or loan. I even provided documents for collateral as well, after I was told that would probably help with the line of credit or loan l. As a new business, I am sure theres startup resources that banks advertise and fail to disclose or offer once the business are in need. My Personal information was utilized without my authorization by Truist Bank and Affiliates after I had expressed my interest in my business account and not my personal being involved with line of credit or loan. Please be aware I have gave them a verbal disclosure for my FIOA from them. I also would like to retrieve documents from the bank of policy and contract of my accounts opened. I will be seeking remedies for the breach of contract the bank has with its members.
Product: Credit reporting or other personal consumer reports

Account is not reporting correct Equifax data breach Thank You Based on the information you provided, our records indicate your personal information was impacted by this incident. 
For more information, visit the FAQ page. 
FILE A CLAIM For Assisted Identity Restoration Services, please call XXXX at XXXX and provide engagement number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues too say that the inquires are factual and will remain for XXXX years but does now show how and when it was investigated. 
Please provide written proof that these inquiries were mine. If not please DELETE as I did not authorize them. I also contacted the companies and was told too contact Equifax for removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXl # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  XXXX  # XXXX, and XXXX XXXX XXXX have violated my rights. 

1

5 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2 It also states a Consumer Reporting Agency can not furnish an account without my written instruction.
Product: Debt collection

Hello, I am having an ongoing issue with a collection agency : Wakefield & Associates ) for an account which I have disputed and requested information on. The company has repeatedly marked the account as meeting FCRA requirements but have not once provided documentation under the Fair debt collection practices Act. i have asked that they do so. 

The account appears to be a medical collection, which is strange because I do not have any medical debts. 

I am asking this agency to provide the needed oversight for this company to take my dispute seriously, and it shames me to have to do so, but they have not been helpful and have only stone walled me.
Product: Debt collection

I am receiving a notice from TSI XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA, XXXX, XXXX. 

The notice claims I owe {$150.00} to XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX, CT, XXXX. I have never been to XXXX XXXX. I have called numerous times and been unable to have them correct this error. Most recent bill is dated XX/XX/21.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ).

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
XXXX XXXX XXXX & XXXX XXXX XXXX
Product: Student loan

Per Navient, I am eligible for an Economic Hardship deferment. On XXXX/XXXX/16, I submitted my EH deferment application, and my confirmation told me that I had 30 days to submit proof of income. On XXXX/XXXX/16, I faxed proof of income ( bank statement ) to Navient. On XXXX/XXXX/16, my EH deferment was denied because of no proof of income, mind you, I had faxed it ( I have fax confirmation of this ). On XXXX/XXXX/16, I received an email from Navient saying that my EH deferment could n't be processed because I was " missing information. '' On XXXX/XXXX/16, I uploaded on Navient 's website the following : the XXXX/XXXX/16 email response with the required and necessary supporting documentation ( I highlighted what was required and what I included which is EVERYTHING Navient asked to be included ), the same EH deferment application, and proof of income ( bank statement ). I had n't heard back from them. On XXXX/XXXX/16, I uploaded my EH deferment application again with all supporting documentation. I had n't heard back from Navient. On XXXX/XXXX/16, I faxed the EH deferment application with supporting documentation. As of XXXX/XXXX/16, I have n't heard from Navient, and my EH deferment application has n't been processed. Mind you, Navient has sent me a " 1st delinquency letter. '' I do n't know what the issue is with Navient, but I searched online for Navient reviews, and they are not positive by no means. I would hope this is n't the case, but it seems like Navient is trying to get borrowers ' loan into delinquency or default so it can demand more money/full payment. Navient also seems to operate more like a collection agency than a student loan service provider, and if so, it is questionable why Navient is handling student loans. It might be time for an investigation into Navient 's practices.
Product: Credit card

RE-Citi /advantage executive world mastercard account. 
Without our prior permission our account was changed to paperless billing. We did not receive a XXXX statement. I eventually realized and called Citi bank on XX/XX/XXXX. I asked them to change our billing back to paper statements, send a copy of the missing bill and waive the interest and late fees. They agreed to do that. I also paid the outstanding balance using check by phone at the end of the conversation. 
When I got the following months bill, they had not waived the interest charges. I called them and they then said they would only waive {$100.00}, and not the full amount of {$160.00}. They also told me the paperless billing was requested on XX/XX/XXXX. This was the day my family were at the zoo- so I know that no-one requested paperless billing that day. 
It is unethical to charge an interest fee when the customer has not received a bill. 
It is also unethical to change to paperless billing without the customer 's permission.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts are not complete and accurate. 

XXXX XXXXXXXX Account number XXXX accounts are not complete and accurate. 

And one more thing according to 15 USC 1681s-2 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. 



I sent a letter asking them to make sure everything is complete and accurate. 

They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to 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.I am requesting for this account to be DELETED my credit report. 
Please see this attachment below
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive made disputes in XXXX and in the month of XXXX of collections and closed accounts being reported on my report still. They have not been doing a proper investigation. The original creditor have written off the debt on their taxes but I have not been provided with any 1099c form and the agency XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX have been making reports on my credit on a debt thats has already been written off on taxes. This is in violation of CRA 15 USC 1681 eb.