23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Midland Credit Management XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, CA XXXX XXXX XXXX ( XXXX ) XXXX Subject : Disputing Fraudulent Account - Account Number XXXX Dear Sir/Madam, I am writing to dispute the existence of an account with Midland Credit Management under my name. After reviewing my credit report, I discovered that an account with the account number XXXX has been reported by your organization. However, I have no knowledge of this account and believe it to be a result of identity theft or a mistake. 

I am a victim of identity theft, and it has come to my attention that several fraudulent accounts have been opened in my name without my authorization. I have taken immediate action to address this issue by notifying the relevant financial institutions and filing a police report ( # XXXX ). As part of my efforts to rectify the situation, I am requesting that Midland Credit Management conduct a thorough investigation into the account in question. 

Enclosed with this letter, please find supporting documentation, including a copy of my credit report highlighting the fraudulent account, as well as any other relevant information that may aid in your investigation. I kindly request that you review this documentation and promptly provide me with a detailed explanation of the origin of the account and any associated transactions. 

I would also appreciate it if you could take the necessary steps to remove the account from my credit report and cease all collection activities related to it. It is crucial that my credit history accurately reflects my financial responsibility and is not negatively impacted by fraudulent accounts. 

I understand that additional information or documents may be required during your investigation, and I am willing to provide any necessary assistance to resolve this matter promptly. I request that you communicate with me in writing to ensure a clear and documented record of our correspondence. 

Please inform me in writing about the progress of your investigation and the actions taken to address this fraudulent account. I appreciate your attention to this matter and your commitment to resolving identity theft issues. 

Thank you for your immediate attention to this dispute. I look forward to your prompt response and a satisfactory resolution. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Lease company saysXX/XX/XXXX payment 30 days past due, which is incorrect. Tried contact company several times but did not resolve. Tried disputing thru XXXX XXXX  but did not resolve. Have proof that payment was made on time. This 30 day negative remark have ruin my excellent payment history causing my score to tumble 37 points As you can see on the statement their was a problem on their system that cause a reversal on XX/XX/17, then payment was accepted that cause this problem
Product: Mortgage

I am writing to file a complaint against Select Portfolio Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for their failure to pay my property taxes despite having sufficient funds in my escrow account. This failure has resulted in late fees and penalties being assessed against me by the XXXX XXXX tax authority. 

Details of the Complaint : I have impounded my property taxes in my escrow account with Select Portfolio Servicing. My escrow balance exceeds {$10000.00}, which is more than sufficient to cover the property tax installments. 
The first installment payment of {$4200.00} was due on XXXX XXXX XXXX Despite the availability of funds in escrow, Select Portfolio Servicing failed to make this payment. 
As a result of their inaction, the XXXX XXXX tax authority assessed a late fee of {$420.00} against me. 
I have attempted to contact Select Portfolio Servicing on numerous occasions ( 10 phone calls ) to resolve this issue, They tell me the same things saying they will get paid for weeks and escalated the problem but County tax doesn't show it's paid. 

I request that the CFPB investigate this matter and : Require Select Portfolio Servicing to immediately pay the outstanding property tax installment of {$4200.00} to the XXXX XXXX XXXX XXXX 
Reimburse me for the late fee of {$420.00} that was assessed due to their negligence. 
Take appropriate regulatory action against Select Portfolio Servicing to prevent similar violations in the future. 

Select Portfolio Servicing 's failure to pay my property taxes despite having sufficient escrow funds is unacceptable and has caused me financial harm. I urge the CFPB to take swift action to address this issue and hold Select Portfolio Servicing accountable for their negligence.
Product: Credit card or prepaid card

XX/XX/XXXX has been non-compliant with removing the unverified account XXXX which has been deleted by XXXX   and XXXX . XXXX and XXXX have both completed their research and determined that XXXX   was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Bank account or service

Synchrony Bank, with offices in New Jersey, held onto my matured CD for XXXX calendar days past the maturity ( XXXX/XXXX/15 ), even though I had notified them on XXXX/XXXX/15 that I wanted to cash out and have the funds sent by ACH transfer to my local bank, which they had on record. On the maturity date ( XXXX/XXXX/15 ), I again called to make sure that their " back office '' was paying attention to this order. I was told at that time that the " back office '' would not even begin to process the cash-out until the NEXT business day which was XXXX/XXXX/15. I called again on XXXX/XXXX/15 and was told that the request was " in process ''. I called again on XXXX/XXXX/15, as the funds had not been received AND my CD showed as renewed on their website. I asked to speak to a " supervisor '' on this call. After a few minutes on hold, the " supervisor '' came on the line and said that she had just spoken with the " back office '' about my case and that the funds would be ACH 'd out that day and in my bank " tomorrow '', XXXX/XXXX/15. I questioned her closely about the " tomorrow '' promise, as I had experience with their ACH process in the past and I would expect NOT " tomorrow '' but the next business day, XXXX/XXXX/15. The " supervisor '' doubled down on the " tomorrow '' promise. When I asked if that was her story, her answer was " that 's my story. '' Of course, she was WRONG, either lying or ignorant of their ACH process. I 've set up many ACH debits and credits in my business career. The batch date, transmission, date, and effective date are all in play, with the effective date as the date it 's hits the other bank account. This date can be set for the next day or even the next week. This is what these guys do to further delay the funds leaving their account. Also, if their transmission is too late in the day, then the actual effective date can not be the next day, simply because of the late transmission. The funds hit my account on XXXX/XXXX/15, as I had predicted while talking to the " supervisor ''. My CD still showed as renewed on their website until XXXX/XXXX/15, which was the ACTUAL DATE that they closed out the CD - XXXX days past its maturity. A brick-and-mortar bank must be prepared to cash out a matured CD on its maturity date. These guys do n't even think about it until the NEXT business day and they do n't actually do it for XXXX MORE days. If I had asked to cash-out XXXX days EARLY, they would have levied as substantial penalty on the pre-mature withdrawal. There are opportunity costs incurred by the customer ( me ) due to this bunch holding on to the funds after the maturity date, but they incur no penalty because they already have my money and will release it when they please. I suspect that all that I have described is part of their actual policy, not simply " bad luck '', since I was told about next business day processing and then repeatedly told that it was " in process '' when it was NOT. I have actual names given to me on each call to them and they supposedly record each call.
Product: Debt or credit management

This account has been sold to another creditor and in on my credit as a charge off I was never sent a 1099C 15 U.S. Code 168l ( e ) ( b ),
Product: Credit card or prepaid card

I was in a payment plan for three months and the company is blocking me from using the card. I paid {$82.00} for three months. A criminal is using my cards as well. They have duplicate numbers of XXXX. Also numbers XXXX XXXX XXXX are getting hacked from criminals.
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business " XXXX international for Buy And sell products ) since 2020. My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have been attempting to work with Mountain America credit union to join my debt management program and to get my payments caught up and they will not respond to the requests and are continually taking money from my ex husbands bank account
Product: Debt collection

I contacted I.C Systems INC XXXX XXXX XXXX, XXXX XXXX, MN XXXX ( XXXX ) XXXX to verify a debt on my XXXX credit report the representative could not provide an account number or any information regarding the debt that they are saying is 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


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 or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information Equifax. Please delete the following accounts. XXXX XXXX XXXX XXXX. {$12000.00}, Hawaii XXXX XXXX XXXX XXXX XXXX. {$7400.00}, XXXX XXXX XXXX bal. {$7800.00}, XXXX XXXX XXXX bal. {$26000.00}.
Product: Student loan

I sent in a check to pay off my student loans with Nelnet on XX/XX/2023. The check was cleared on XX/XX/2023. Nelnet transferred my loans to XXXX whom is now telling me that I owe the loans again and that interest will begin as of XX/XX/2023. I have already paid this loan and now feeling like my money was stolen from me. I have spent countless hours on hold trying to get in contact with someone only to get the call disconnected. I have proof from the bank that the payment was cleared. I tried multiple times to call XXXX whom I never am able to get through to. I can't keep spending hours on the phone listening to hold music for then the call to get disconnected. i have a family and planning on buying a house and this is causing extreme stress to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

This happened for two credit cards were I called went to bank asking for statements because my mom is now staying at home and she is working for me. XXXX XXXX and XXXX both did not send me statements as asked. Ima business man and my mother moved and as I stated she started taking care of all my billing. I went to bank spoke to them how I wanted paper statements. And explained to why I needed statements as I did for my XXXX XXXX. As you can see if you look up my file I never was ever late in 8 years of my oldest account. Please help get the late payments off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has once again, allowed a fraudulent account to appear on my credit file. This account was previously blocked as fraud. This account is still fraudulent. The Company is presenting a driver license that has a fraudulent address on it XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. The Creditor has been notified that this account is fraudulent many times. This account was opened from a thief. This fraudulent address is listed on my FTC Affidavit which I am attaching once again. There is no material mis representation as I am providing actual factual information. I have not lived at this address and have not ever received information at this address. The account for XXXX XXXX XXXX XXXX XXXX is fraudulent that was opened from a thief in XXXX of 2015. They were notified in XX/XX/2015, and this continues. This account shows a balance of {$3600.00} I have not ever authorized this account, I did not sign any account documents, I did not open a membership at this credit union, and I did not authorize any accounts to be opened in my name with their business. This line of credit is fraudulent. It was again opened from a thief using my identification documents, my SSN. Experian has already been made aware of the fraud that has taken place, and of the accounts that the fraudster has opened. This account is listed in my most recent copy of my identity theft affidavit which I am attaching. I am also attaching my drivers license which proves that I am providing accurate information clearly showing my address does not match what this business is providing. 

Fraudulent account not authorized that was opened from a thief that stole my identity. Thus why a fraud alert is on my credit file. Account # XXXX XXXX {$3600.00} charged off {$1800.00} Past due. Opened XX/XX/2015. By a thief that has stolen my identity. This account is FRAUDULENT AND WAS NOT AUTHORIZED. I want this account blocked immediately as the creditor has even accepted responsibility of the fraud. This was sent in a letter to my attorney agreeing they are providing a fraudulent address to the credit bureaus. This information is not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a fraudulent charge on my account of {$2000.00}, {$5000.00}, {$9000.00}, {$7500.00}, {$4500.00}, {$17000.00}, {$4100.00}, {$590.00}, {$3000.00}, {$2000.00}, {$15000.00}, {$860.00}, {$3300.00}, {$7600.00}, {$4400.00}, {$20000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

4. XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$17000.00} -This is not my account. 

7. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4100.00} -This is not my account. 

8. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$590.00} -This is not my account. 

9. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 


- COLLECTIONS - 10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

11. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

12. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$860.00} -This is not my account. 

13. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3300.00} -This is not my account. 

14. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7600.00} -This is not my account. 

15. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4400.00} -This is not my account. 

16. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$20000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, XX/XX/year>, XX/XX/year> XXXX XX/XX/year>XXXX XXXX XXXX completed inquiries on my credit profile, I did not authorize them nor provided anyone with permission to authorize them use of my information, I made contact with the company and XXXX, Equifax to remove these inquiries and all attempts failed.
Product: Credit reporting, credit repair services, or other personal consumer reports

At this time, This company has not provided any factual proof or validation pertaining to my factual consumer complaints. not only that but has been reporting inaccurate information ALL WITHOUT MY CONSENT. They have not provided the correct title instead has fraudulently obtained by creating 2 attaching my name to a false debt.. At this time XXXX has an open court case with the CEO. In response to the credit reporting it must cease and desist. They are reporting an address they had no consent to report and is wrong, They did NOT HAVE PERMISSIBLE PURPOSE and NO VALIDATION FOR THAT FACT ALONE. Overall it is a question of why TWO CA TITLES were made. All contracts on my end have been canceled and rescinded and by certified mail, fax, and thought the e portal. It is clear of the fraud and deceptive practices this company continues to injury my life with. A federal claim is pending. The CA TITLE this company is trying to attach a debt to is not for the correct title. They tried to cover their fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion and notified them of being a victim of their inquiry issue and told the representative that all the inquiries before XXXX where removed but than put back on my report he than proceeded to tell me it was nothing he can do. I wasnt notified or anything about these inquiries being put back on my report and its not right.
Product: Debt collection

I have received two phone calls from a Debt collection agency call CCS Offices, number, XXXX. Claiming I have unpaid bills from XXXX. I have called XXXX. They have no record of unpaid debts and their records show I have no late payments. However, CCS continues to call. I would like to report this scam and get them to stop calling my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have freezes on all my credit reports. While attempting to purchase a vehicle yesterday, I called Equifax and spoke with an agent to get a temporary lift of the freeze. I spent 20 minutes on the phone with the man. He kept asking the same question 7 or 8 times about credit cards. I gave him the required information on the current cards but he kept asking about old cards, maybe 10 or 15 years old. How am I supposed to answer questions that long ago? I provided all the details about current cards, yet he insisted he could not verify my identity. He did not ask for past employers, past addresses or any other type of information that would have been relevant. Because I did not remember a store credit card from 15 years ago, he did not onlock my credit. This is MY credit information, yet I was denied access to it. Even the car dealer says they don't like dealing with Equifax. I was able to finally get it unlocked through the online website. XXXX  was quite easy to get unlocked. It is really a poor decision for banks to rely so much on Equifax.
Product: Debt collection

I am writing to formally dispute the accuracy of items reported on my credit file. This dispute is pursuant to the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Section 609 of the FCRA. Under the FCRA, credit reporting agencies and information furnishers are required to investigate disputes from consumers. Reporting debts that are inaccurate and misleading information, thereby violating my rights under the FCRA.I kindly request the following actions be taken stipulated by law : Conduct a thorough investigation into the accuracy of debts reported on my credit file. 
Provide validation of the debts in accordance with the FDCPA. 
Supply all information and sources as required under Section 609 of the FCRA. 
Remove all inaccurate and outdated information from my credit report. 
Supply purchase agreement. 

Please confirm receipt of this dispute and provide a timeline for resolution. I expect a written response detailing the actions taken to rectify these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request for method of verification after incorrect information came back verified. I requested an answer within the 15 days as provided me by FCRA 611 ( a ) ( 7 ) to get a description of methods used to investigate my previously mentioned disputes, particularly a bankruptcy appearing on my report that I have verified with the court was not filed by me and was never verified by an outside CRA. Additionally, there were 2 credit collections that were " pay for deletion '' and still came back verified through XXXX.

I would like these items removed from my credit files, as I am trying to refinance my mortgage and they are providing and incorrect negative appearance on my reports.
Product: Vehicle loan or lease

Paid off boat loan in its entirety on XX/XX/XXXX. As of today, 35 days later, I still do not have access to the title, and the state of Florida is still showing a lien being held by the bank. I have worked with PenFed title and loan services, collateral, and multiple customer service supervisors. As of XX/XX/XXXX, penfed has not offered any resolution to this problem, and advised me to seek legal counsel, rather than work towards an actual resolution.