23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I had written Transunion about this issue and they refuse to remove this hard inquiry off my credit report, I explain to them that its illegal to report hard inquiries on someone report with out there consent or proof of documentation. Which trans union fail to valid any evidence
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 Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Midland Credit Management regarding unfair debt collection practices and inaccurate credit reporting. Below are the details of my complaint : 1. Unfair Debt Collection Practices I have received multiple collection letters from Midland Credit Management, each containing threats of legal action. However, the dates on these letters appear to have been altered, which raises concerns about their legitimacy and compliance with the Fair Debt Collection Practices Act ( FDCPA ). 
2. Failure to Provide Debt Validation Upon receiving collection notices, I contacted Midland Credit Management and formally requested debt validation as well as a copy of the original purchasing agreement for the alleged debt. Despite my requests, they have failed to provide proper documentation verifying that I owe this debt. 
3. Inaccurate Credit Reporting Midland Credit Management has reported this debt to my credit profile. Given the lack of validation and potential inaccuracies, I have submitted disputes requesting verification of the information. However, the company has not taken appropriate action to confirm or correct the reported debt. 


Thank you for your time and assistance in addressing this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/20 ), I sent a letter regarding inaccurate and unknown accounts on my credit report. To this day, it has been over 45 days later, and I have not received a response yet. I feel like I am being taken advantage of, and my disputes are being ignored. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives a reason to remove those items from my credit report immediately. It has been well over that timeframe, so these misleading should be deleted promptly. 

I've sent out a second attempt to have the items removed ; if there are no responses again, I will move forward to file litigation due to the stress it has caused me. I have also discovered that I am a victim of the XXXX  data breach, which impacted my information ; I am deeply concerned with my personal information having likely got into the wrong persons ' hands.
Product: Checking or savings account

Saturday XXXX XXXX, A recent payment of {$2400.00} on your Mastercard account was returned unpaid by UMPQUA BANK I've been at umpqua bank maybe 3 years ago, and stayed with them for 1 year. This payment was made to pay off my credit card, which would be in year XXXX, and just on the XXXX of XXXX I get a notification from my credit card company that they NEVER received the payment of {$2400.00}! HOW ABSURD! Now my credit score has tanked because of this return! Not only I have paid on time years ago, but now I have to REPAY this amount! How insane!
Product: Credit reporting or other personal consumer reports

I found a completely wrong address added to my report, and I want it removed. Here is the information given by Experian : '' XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please contact the company directly to verify that they have your correct address. Once the new information is reported to Experian, you will be able to submit your dispute online. For further questions you may contact us at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Credit card '' I called " XXXX '' at the number given, and the person answering disclaimed any ability to affect this false information. I then called the Experian number XXXX and received no answer
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has mishandled my information ( social security number, addresses, etc ) and put me at risk. Furthermore, I can not obtain a copy ofmy credit report from them in order to check if there is any fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I have attempted to resolve my accounts with Certegy. This company is by far the worse company to do business with. They lie. They lie and practice fraudulent tactics. They place things on your report that are NOT accurate and then never remove it. They have devastating consequences on people and peoples lives. They refuse to remove information that is NOT mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these inquiries and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXX XXXX XXXX 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 card or prepaid card

On the XXXX of XXXX, XXXX, I noticed that the credit reporting agency, TransUnion charged {$24.00} to my credit card through XXXX XXXX. I checked my monthly statements and discovered that TransUnion took {$24.00} once a month on the XXXX of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. A total of {$170.00} was charged to my credit card by TransUnion. I just recently paid off the credit card and that was how I found out about these charges once they took out the money on the XXXX of XXXX. 

I logged onto TransUnion and saw that I was signed up for a credit monitoring subscription that I never authorized or signed up for. I also went into my email account that I use with them to get my free credit report, and found no emails that contained receipts or that the subscription began. I then called TransUnion to speak to a representative for their subscriptions. He informed me that their records does not indicate how the subscription started, only that it just did in XXXX, XXXX. He canceled the subscription and told me that they would only reimburse me for XXXX, XXXX, and XXXX payments. That is only {$74.00} out of a total of XXXX that they stole from me. 
Next I called XXXX to dispute the remaining charges, to which they informed me that they could only dispute the XXXX charge and the 3 remaining charges that were made in XXXX could not be disputed due to how long it has been.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its bout one late payment happened last year the company never sent me a notice to my email or even at my mailing address, one morning I wake up and see my credit score dropped XXXX points I immediately called them to resolve it and made the payment and then I thought I will get back the XXXX points I lost, I never did, I called the company multiple times to resolve this issues, all they give me is running around its been months since Ive been dealing this problem Im losing money cant sleep Im stress out. Cant rent apartment cant get a loan its been nightmare.. any thing you guys can do to help Ill greatly appreciate it. 
Thank you!
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( 1 ) XXXX XXXX, ( 2 ) XXXX XXXX XXXX, ( 3 ) XXXX XXXX XXXX, ( XXXX XXXX XXXX XXXX XXXX, ( 5 ) XXXX XXXX XXXX XXXXXXXX, ( 6 ) XXXX XXXX XXXX XXXX XXXX ( 7 XXXX XXXX XXXX XXXX XXXX XXXX ( 8 ) XXXX XXXX XXXX XXXX ( 9 ) XXXX XXXX XXXX XXXX 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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. I'm requesting that the accounts above be deleted immediately.
Product: Money transfer, virtual currency, or money service

All of my money was stolen from my cashapp account. Cashapp denied every dispute.
Product: Debt collection

Upon looking at my credit file, Ive found some discrepancies that need to be addressed with urgency as it is causing a major negative impact to my credit report. Following my last complaint, this company still has not provided me with Legal Documentation to prove any of their claims. This company stated in a claim that the account in question was sold off at auction and a Explanation of Calculations of Surplus or Deficiency was sent. This is not my debt nor have I every received any of the letters they say were sent. I am requesting that they provide me with Legal Documentation of this NOI letter they stated was sent, along with the explanation of calculation of surplus or deficiency letter they also stated was sent that is suppose to outline the amount the car was auctioned for and the remaining balance that is owed. I stand on my original statement that this is not my debt. In the meantime, stop reporting to every credit reporting agency until the Legal Documentation is provided that this debt 100 percent accurate. 

The statement below is the statement that was issued during my last attempt to reconcile this issue. 

On XX/XX/2020, we recovered the vehicle due to non-payment. We sent XXXX XXXX a Notice of Disposition and Our Plan to sell the Property ( XXXX  ) letter to her address on file. The XXXX letter outlined the total amount needed to reinstate or redeem the vehicle and explained the vehicle would be sold at auction if the account was not reinstated or redeemed. We also spoke directly to XXXX XXXX on XX/XX/XXXX and provided her with a reinstatement offer. On XX/XX/XXXX, with no payment received toward reinstatement, the vehicle sold at auction, and we applied the proceeds to the principal balance of XXXX XXXX account. We sent XXXX XXXX an Explanation of Calculation of Surplus or Deficiency letter to the address on file. The letter outlined the deficiency balance still owed.
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 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 XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Voluntarily offered collection company {$500.00} to settle acct. Accepted. Stated would remove from credit hx. Remained on credit report as paid in settlement. Disputed XX/XX/XXXX as I was expecting acct to be deleted from my credit report. Scheduled to be removed 7 years after original loss, report would expire off my credit hx in XX/XX/XXXX. By requesting removal of report, Experian updated, as below, and now my report will show as bad collections ( Paid in settlement ) until XX/XX/XXXX. That 's what you get for trying to resolve the situation. 

Status : Paid in settlement. 

Status Details : This account is scheduled to continue on record until XX/XX/XXXX. 
This item was updated from our processing of your dispute in XX/XX/XXXX.

Date Opened : XX/XX/XXXX Reported Since : XX/XX/XXXX Date of Status : XX/XX/XXXX Last Reported : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the recent cfpd lawsuit highlighted significant issues with the platform dispute using zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately
Product: Credit card or prepaid card

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your Capital One. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.
Product: Debt collection

On XX/XX/XXXXI received a letter from Pressler & Pressler, XXXX XXXX XXXX, XXXX, New Jersey, XXXX. stating that they will be submitting a application to the Superior Court of New Jersey to garnish my wages for a debt for XXXX . I checked my credit report and saw there was a judgement as well for this debt. This debt was paid in full in XX/XX/XXXX. I was never given an opportunity to dispute the debt in which they got the judgment for because I was never served any notice. The judgment was filed on XX/XX/XXXX for XXXX. The judgment was in favor for XXXX XXXX XXXX. A company I have never heard of. I believe they violated my rights. I did send a certified letter to the court and Pressler and Pressler objecting to their application for wage garnishment. I researched this business and found they are known for illegal practices. They try to collect on old debts and debts people do not even owe, without giving any notice. They freeze bank accounts etc ... I want this business to be held accountable for their illegal practices. I want the judgment they put on me removed and to withdraw the application for wage garnishment. If it is not, I will have no choice but to retain a lawyer and counter sue them for lack of personal jurisdiction and trying to collect on a debt that was paid in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Made all monthly payments for Corolla XXXX by direct transfer between XX/XX/XXXX and XX/XX/XXXX. 
Returned car to Toyota Dealer end of lease with XXXX miles UNDER allowance of XXXX for 3 years. Obtained new leased RAV 4 from same dealer on XXXX XXXX XXXX. 
I wrote at least 4 times and called many times requesting process for returning Corolla at end of lease. No one EVER replied. 
Eventually returned it to XXXX XXXX XXXX. 
No damage, stains etc. XXXX XXXX employee, Toyota 'End of Lease Manager ' signed off on the excellent condition and mileage. 
5 months later I get a bill from credit collection demanding {$830.00} - no reason or documentation given. Distributor/ Toyota Financial Services extremely poor customer service, you wait 20 minutes plus on Toyota Financial Services line regularly. 
No one wants to help - just pass you off to credit collection when I was NEVER informed of any outstanding payment? 
Buy/Lease a XXXX or XXXX. Maybe they want your business more than Toyota.
Product: Debt collection

No written consent has been given my to authorize the following credit cards associated to my identity. Under numerous attempts to remove these fraudulent accounts from my report the crediting agency has refused to remove the accounts. 

CB INDIGOXXXX XXXX XXXX BANK XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  The following inquiries are also negatively impacting my credit worthiness. I can confirm they are not valid inquiries since I have not physically signed any document or notarized any official authorization of a credit pull. Therefore I am demanding the immediate removal of these inquiries from my credit report because they are not authorized with my written consent. 

XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Credit Unions Inquiry date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Sales And Service Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX  Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX  Retail, Not Elsewhere Classified Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Bulk Purchase Finance - General Inquiry date XXXX XX/XX/XXXX XXXX Department And Variety Stores- non specific Inquiry date : XX/XX/XXXX XXXX Banks and XXXX & XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Banks and XXXX & XXXX Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX Finance, personal Inquiry date : XX/XX/XXXX XXXX XXXX Finance other than personal Inquiry date : XX/XX/XXXX XXXX XXXX Finance, personal Inquiry date : XX/XX/XXXX XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX XXXX Finance, personal Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX XXXX BANK XXXX NXXXX All Banks Inquiry date : XX/XX/XXXX XXXX - XXXX XXXX All Banks Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXX XXXX. 
XXXX & XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXXXXXX BANK XXXX All Banks Inquiry date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX XXXX XXXXXXXX BANK All Banks Inquiry date : XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX 
Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  . 
Inquiry date : XX/XX/XXXX XXXX
Product: Credit reporting

Equifax Dispute : Account that should be closed, but is reported as open in my Equifax report, in error : XXXX XXXX. 
StudentXX/XX/XXXX XXXX, XX/XX/XXXXOpen - Collection/Charge-OffXXXX Missed Payments $ XXXX that are current, but are reported as missing payments in my Equifax report XXXX although they are current and receiving {$330.00} dollars a month : XXXX BANK - STUD StudentXX/XX/XXXX XXXX, XX/XX/XXXXOpen - Collection/Charge-OffXXXX Missed Payments $ XXXX BANK - STUD StudentXX/XX/XXXX XXXX, XX/XX/XXXXOpen - Collection/Charge-OffXXXX Missed Payments $ XXXX XXXX Past Due $ XXXX XXXX XXXX Past Due $ XXXX XXXX XXXX XXXX Due $ XXXX XXXX Past Due $ XXXX XXXX XXXX XXXX XXXX XXXX these loans above are part of the XXXX loan and need to be closed, as they are now part of the XXXX total sum, which is {$45000.00} dollars. These loans have all been consolidated into XXXX loan serviced by XXXX shown below : XXXX StudentXX/XX/XXXX XXXX, XXXX - CurrentNo Missed Payments {$45000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow up complaint as an assurance that the EXPERIAN, XXXX and XXXX Credit Bureaus will take their responsibility seriously and will NOT be inattentive in my request for inquiry removal in my credit reports. Once more according to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 after the date of receipt. Again, here is the list of inquiries which do not belong to me or were opened without my authorization : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX