23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Midland Funding purchased an old credit card debt of mine in 2015. I was sued by Midland Funding on XXXX XXXX, 2015 for {$2900.00} and served a summons at my parents address ( listed above ) in XXXX XXXX. At this time, I was visiting for the holidays. I currently reside in XXXX. I understand this may be a violation of the Fair Debt Collection Practices Act, though I have waived my right to sue in a settlement agreement. 

Both Midland Funding and XXXX XXXX XXXX have previously been successfully sued by the state of XXXX for violations of the FDCPA. 

Prior to the lawsuit being filed, XXXX advised me that they would not consider a settlement on the account. However, after the lawsuit I was able to obtain a settlement of {$2100.00} from XXXX XXXX XXXX. I brought certified payment for the full amount to the offices of XXXX XXXX XXXX and asked that a dismissal with prejudice of the lawsuit be provided, in accordance with the settlement agreement. I was provided with a document that stated it was a dismissal with prejudice in the header but in the text stated " dismissal without prejudice. '' After having paid the settlement amount in full, I would have expected more attention to detail on behalf of this legal firm. After pointing out their error, I was provided with the correct document.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/XXXX I just found out that my social security number was used to open a account at XXXX XXXX XXXX # XXXX OPENED ON XX/XX/XXXX $ N/A I have never opened this account with my personal information nor have I given anyone permission to obtain any vehicle or purchase from this company. I have not received any type of goods or ever benefitted from this account ever being open. I do not know who used my personnel information and I have filed a police report to my local police department I XXXX XXXX have sent more than enough supporting documents to have this account removed.
Product: Debt collection

Debt collector despite several communications pertaining to information pertaining to the dept has continued to call prior to XXXX and after XXXX on weekdays, including calls during the weekend. Have advised them of the violation numerous times and they continue to do so. I have spoken to manager pertaining to this, and they blatantly do not care. Debt is pass the statue of my state, I have advised them I am unemployed and asked for the validity of the debt they refuse to provide with my signature, as well as have harrassed me in my life calling people i am assosicated with including social media but worse when they harrass me outside of their operating hours and law includiung the weekend incliding today XX/XX/11 @ XXXX, XXXX, XXXX XXXX
Product: Debt collection

I was contacted by Halsted financial services.I asked if they could send me a copy of the paperwork that determined I hold the debt. They refused to provide me with the paperwork as well as hung up on me. I called back XXXX 4 times after being hung up continuously. After finally speaking with someone and requesting the documents again I was told no multiple times and that I would experience wage garnishments as well as being sued in court if I did not settle the debt immediately. I again asked for the proper documentation that showed I owed the debt the representative refused to send me the paperwork. I asked to speak with their supervisor and was immediately told no that is not possible at this time. I said I will have nothing further to discuss with you until speaking with your supervisor I was hung up on. I 've been called back and got the company name to file the complaint.
Product: Debt collection

Wrote letters to both the collection agency and all 3 credit bureaus abs no one has sent me the information I have requested all they continue to say is the account has been verified but has not giving the proof of the verification
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Transunion ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report seven fraudulent accounts appearing on my consumer FICO TransUnion credit report, which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of credit card accounts opened at XXXX on XX/XX/XXXX, under account number XXXX ; XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, under account number XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, under account number XXXX ; XXXXXXXX XXXX XXXX on XX/XX/XXXX, under account number XXXX ; XXXX on XX/XX/XXXX, under account number XXXX ; XXXX XXXX XXXX on XX/XX/XXXX, under account number XXXX  ; and XXXX XXXX on XX/XX/XXXX, under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX and XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Debt collection

LVNV XXXX. XXXX XXXX XXXX, Sc XXXX XXXX : Acct # XXXX ... 

To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$670.00}. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was cancelled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
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. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted unsuccessfully with Transunion and XXXX on a number of items that they claim to be valid/verified. Yet, they both have yet to present requested verifications by or through original purchase agreements with credit collection companies, to provide valid contractual agreements with said collection companies, to provide proof of signature, who original creditor is/was. Related information such as first payment made, last payment made, when did consumer transactions begin, what legal grounds do collection companies have to report negative items with no prior consumer notification. 

Transunion and XXXX are both liable for reporting such matters on consumers reports due to lack of professional responsibility or accountability damaging and causing due harm financially, professionally and reputation to consumers. 

XXXX. Both reporting agencies have myself XXXX XXXX XXXX listed with XXXX other names stating after XXXX disputes online, telephone and as well as certified mail stating it is impossible for there to be XXXX of me. 
Names they both claim to be valid and or verified : XXXX XXXX XXXX. with an XXXX '' at the end of XXXX. 
XXXX XXXX XXXX as well with an XXXX ' at the end of XXXX. 
As you can see this is ridiculous and as well as insulting to me both Race and Ethnicity with XXXX customer service rep from XXXX stating well isn't the same? 
That is flat out discrimination. 
XXXX. Both agencies will not remove addresses that I have requested removed as they are incorrect, invalid, unknown, etc. and to add to that as an example. They have me listed as living or lived in Tennessee of which I never have yet they insist its valid or verified. 
XXXX. Phone numbers assigned to me which never have been or are inaccurate. Yet they still insist on claiming and denying my repeated disputes XXXX times. 
XXXX. Reporting information as accurate, verified and validated through other XXXX party agencies and insisting I am making disputes on information, items though no undisputable presentments are made. 
Example : reporting collections from XXXX XXXX XXXX and XXXX XXXX XXXX though no definitive criteria can be presented as definitively linked to me. 
Reporting XXXX dismissed XXXX XXXX one month apart as mine though no information is reported from the Federal Bankruptcy Court is publicly reported and especially reported with " Full '' soc. sec. #. 
Items discussed have been disputed under15 U.S. Code 1681a- ( 2 ) ( I ), 15 U.S. Code 1681b- ( a ) ( 2 ), 15 U.S. Code 1681c ( a ) ( 5 ) All of which have been blatantly disregarded, ignored, with no regard to ones rights under the Accuracy and Fairness of Credit Reporting . 

I Thank You for your time and effort in helping to correct and make right of this matter. 

Sincerely, 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 XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX All of the listed accounts has violated my rights. 

Please also be advised that some of these accounts are listed under my former name XXXX XXXX XXXX and my new legal name is XXXX XXXX. 

They violated the following : 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.
Product: Student loan

Navient not only reported me to credit bureau during my forbearance period but continues after the COVID forbearance to report me as late while I was in XXXX  school XXXX. 
This has been since 2020 now its affecting my ability to obtain loan forgiveness because I am in a public service career field as a XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Transunion is in violation of code 15 US $ 1692G. even after I notified them that I am a victim of identity theft
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not mine They have them on my equifax XXXX XXXX report and they haven't remove them Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Freedom Mortgage has falsely reported me as later on my payments which auto deduct. This dreadful mess appears to be almost corrected ; however, the balance of my loan should be {$100000.00} after XX/XX/2016 payments. The XXXX shows a balance of XXXX. I would like this corrected and XXXX showing the correct balance sent to me so that I can file my taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with TransUnion ( TU ). TU did not correct the report received from XXXX ( XXXX ). XXXX is TU third party provider. I have enclosed a letter from XXXX  stating the status on on the date of the bankruptcy. 

TU is reporting supplemental information that is inaccurate. I am requesting that the information to be updated and deleted. 

I am requesting the Method of verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 to update these suspicious information I found on my Credit Report. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the 3 Credit Bureaus. This was already included in my prior Complaints, and I'm including them again. The accounts XXXXXXXX XXXX XXXX Balance Owed : {$0.00}, and XXXX XXXXXXXX XXXX Balance Owed : {$3000.00} are erroneously reporting on my Credit File.
Product: Credit reporting or other personal consumer reports

As part of the process of applying for a loan, I found an item on my Experian credit report that I did not recognize. On XX/XX/year>, I sent a letter by Certified Mail asking for Experian to remove the item as it was incomplete ( original creditor and account number missing ). 

I received no response to that letter, but when my credit report was updated the following month, the name and address of the creditor had been added. I wrote by Certified Mail on XX/XX/year> to the creditor, XXXX XXXX XXXX, for validation. '' Specifically, evidence showing that I have ( or ever had ) some contractual obligation to pay. I also requested that XXXX provide the record that reflects the process by which my signature was generated/executed. 

More than 30 days passed without receiving the information I requested. However, the item was ( and is ) still appearing on my credit report. On XX/XX/year>, I again wrote to Experian to request a re-investigation into the inaccurate record in my credit report. I asked that they respond with the procedure used to determine the accuracy and completeness of the information ; the name, address, and telephone number of each person contacted regarding the alleged account ( NOT e-OSCAR or other electronic means of authentication ) ; and any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay the exact amount claimed. That letter to Experian was delivered by Certified Mail on XX/XX/year>. To date ( XX/XX/year> ) I have received to response, and the item remains on my credit report. 

I believe this to be a violation of the FDCPA and FCRA, respectively, as neither entity can demonstrate that I am responsible for this alleged debt.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) XXXX  ACCOUNTS : XXXX AUTO : Account number - XXXX _____________________________________________ INQUIRIES:15 USC 1681i 15 USC 1681b - XXXX  XXXX XXXX XXXX AUTHORIZED USER XX/XX/XXXX. 

XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX 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 Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Oct 2026 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1692g 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681
Product: Mortgage

No prior notice of default or dispute for note acceleration Prolonged prior loan modification by consistently stating that paperwork not received placing property in foreclosure. 
prolonging get contractor paid due to stating paperwork not received, paperwork done incorrectly per their instruction, losing draft, stated they never got it, but third party confirmed they sent it to him by mistake, this preventing sale of the property. 
Offered {$8900.00} move allotment which they received, but did not stand behind
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrong manes listed and alias name that is not mine and previous addresses that I never used
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone claiming to be me my identity was fraudulently used to open a Macy Store credit card, this was not me! XX/XX/2022 someone hacked into my banking account @ XXXX institution and my credit cards on file with XXXX XXXX XXXX Fraud Dept. Contacted me they stopped payment for airline tickets and cash withdrawn from a casino XXXX XXXX in XXXX XXXX, NV. I reopened a new banking account and transfered my funds to new account! 3 credit card closures on both my XXXX XXXX XXXX XXXX XXXX  credit card! I never open up Store Credit Cards ever!
Product: Mortgage

I hereby dispute the reply of SunTrust to my complaint by way of CFPB Case nUmber XXXX
Product: Mortgage

My home mortgage company Ocwen Loan Servicing , LLC took over our account from XXXX XXXX. They changed our online account access and we are no longer able access our account. We followed the enrollment process and they have made it impossible to access our account. We discovered they were pulling from our account almost 30 % of the need escrowed value. This is being done fraudulently. We have made repeated calls and got no where.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIRD ATTEMPT Section 605B of the FCRA, it states that, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days. 

Im attaching my letter for dispute and police report. XXXX  must honor this request within 4 days! It is completely ridiculous at the number of attempts I have made to have these items removed. XXXX  will be sued if I can not get this matter resolved in the number of days per the FCRA.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 


XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting 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.

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 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 ) (! ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate. 

I have not given written nor any permission to any company to report on my behalf by taking control of my consumer report and allowing as such to be reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX