23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$10.00}, XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Midland credit management refusing to remove debt I am writing to formally file a complaint against Midland Credit Management , Inc. regarding their debt collection practices. Midland Credit Management is attempting to collect a debt from me in the amount of over {$2000.00}, which I believe is inaccurate and not owed. 

Despite my repeated requests for validation and clarification of the debt, Midland Credit Management has failed to provide adequate documentation or proof of the debts validity. Additionally, their aggressive and harassing tactics have caused significant stress and XXXX, impacting my overall well-being. 

I have made efforts to resolve this matter directly with Midland Credit Management, but they have been uncooperative and unwilling to provide the necessary information to substantiate their claims. Their actions are in clear violation of the Fair Debt Collection Practices Act ( FDCPA ), and I believe they are engaging in unfair and deceptive practices. 

I am requesting that the Consumer Financial Protection Bureau investigate Midland Credit Managements actions and take appropriate measures to ensure that they comply with federal regulations. I would also appreciate it if you could assist in having this debt removed from my record, as I believe it is unjust and unsubstantiated. 

Midland Credit Management , Inc . 
Address : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, CA XXXX Direct dates XX/XX/XXXX Sever dates in XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Product: Debt collection

They disclosed all information to a relative i.e. my personal information Date of Birth, SSN, amount owed and didn't try to verify any information without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

15 u.s.c 1681 section 602 A. States I have 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: Debt collection

On XX/XX/XXXX I was notified through my credit protection service that Receivables Performance Management ( RPM ) was attempting to collect a {$410.00} debt for XXXX that is not my account. I contacted RPM, XXXX and XXXX  several times between XX/XX/XXXX and XX/XX/XXXX. The debt belongs to my dad whose name and address were submitted to XXXX  but the collection hit my credit report due to my SSN being linked to it. My dad nor I have received anything in writing regarding this debt. I experienced a similar issue last year for this same account on the XXXX  and XXXX  credit reports that was resolved in XX/XX/XXXX. RPM changed the name and address from that of my dad to my name and address after I requested they not do that. XXXX   got involved and questioned RPM on why they changed the account to my name when they submitted my dad 's name and address to XXXX. I've contacted XXXX who expressed that my name, address nor SSN is linked with the account and have reported that to RPM several times. XXXX even updated the collection system that RMP has access to review for updates on XX/XX/XXXX and XX/XX/XXXX to let ROM  know that they have mistakened my identity. RPM still won't budge. t I am very frustrated because I have been wrongfully accused and my XXXX credit score has dropped almost 100 points because of it. This complaint is for Receivables Performance Management ( RPM ), especially Mr. XXXX XXXX, for the seemingly sneaky tactics used to switch the account on to me and for not being helpful. Please look into RPM and their debt collection practices.
Product: Credit reporting or other personal consumer reports

United States of America Federal Trade Commission Attn : Division of Enforcement XXXX XXXX XXXX XXXX XXXX XXXX  District of Columbia , USA United States of America Consumer Financial Protection Bureau Attn : Division of Enforcement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, USA NOTICE OF DISPUTE AND REQUEST FOR INVESTIGATION OF BILLING ERRORVALIDATION AND VERIFICATION OF ALLEGED DEBT WITH XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ACCOUNT RE : ALLEGED XXXX XXXX ACCOUNT NO. XXXX Dear Sir or Madam, I am writing to formally dispute a billing error and to request debt validation regarding an alleged debt that XXXX XXXX XXXX XXXX XXXX ( formerly known as XXXX XXXX XXXX XXXX ) claims I owe. This dispute is prompted by multiple instances of erroneous credit reporting by the organization, which allege an outstanding debt, as evidenced in my consumer credit file dated XX/XX/XXXX ( Exhibit XXXX ). I request the United States ( federal government ) Federal Trade Commission ( FTC ) and Consumer Financial Protection Bureau ( CFPB ) to conduct a comprehensive investigation into this matter. 

I assert my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically as outlined in 15 U.S.C. 1692g Sec. 809 ( b ), and sections 807 and 814 ( 15 U.S.C. 1692e, 1692l ), along with the relevant regulations ( 12 C.F.R. 1006.34 ( c ) ( 1 ) ( 2 ) ( 3 ) ( 4 ), 1006.38, 1022.41, 1022.42 ). Additionally, my request is in accordance with the Fair Credit Reporting Act ( FCRA ), particularly under Regulation V ( 12 C.F.R. 1022.21 ( a ) ( 1 ), 1022.24 ( a ), 1022.25 ( a ), 1022.42, 1022.43 ) and 623 ( a ) ( 8 ) ( E ) - ( F ) and 623 ( b ) ( 1 ) ( 15 U.S.C. 1681s-2 ( a ) ( 8 ) ( E ) - ( F ), ( b ) ).

This dispute also invokes my rights under the Electronic Signatures in Global and National Commerce Act, the Gramm-Leach-Bliley Act concerning the Privacy of Consumer Financial Information , the Bank Secrecy Act, Internal Revenue Service regulations , and the extensive protections provided by the FCRA ( 15 U.S.C. 1681-1681x ). Moreover, it includes my rights under the Consumer Financial Protection Act of 2010 ( CFPA ), specifically 1031 ( a ) and 1036 ( a ) ( 1 ) ( 12 U.S.C. 5531 ( a ), 5536 ( a ) ( 1 ) ), the Truth in Lending Act ( 15 U.S.C. 1601-1665 ), the Fair Credit Billing Act ( FCBA ) ( 5 U.S.C. 1666-1666j ), and the billing error resolution procedures under 12 C.F.R. 1026.13 ( Regulation Z ).

Given the significant implications for my financial well-being and credit history, I request an immediate and thorough investigation into these allegations. It is crucial to ensure that all collection efforts are valid and that any reporting to credit bureaus accurately reflects the legal and factual circumstances as required by the aforementioned laws and regulations. 

Sincerely, XXXX XXXX XXXX XXXX Citizen of Indiana state, All Rights Reserved without Prejudice
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, inquiries or addresses on file. Please remove them.
Product: Debt collection

5 repeated calls on XX/XX/2019 from spoofed numbers within my phone exchange : XXXX XXXX XXXX XXXX XXXX XXXX repeated calls XX/XX/2019 from likely spoofed calls from local area codes : XXXX XXXX XXXX Many other instances of multiple calls per day from spoofed local numbers. A voice mail is never left
Product: Mortgage

Freedom Mortgage is being predatory to their existing VA borrowers. They are offering ZERO options to work with borrowers that are impacted by Corona. On the front page of their website it basically says pay now or else. They are kind enough to offer 90 day forbearance but all 3 months are due in full after 90 days. They are however shoving refinance offers down our throats. I get weekly calls from them offering to refi. However, when I asked how much it was to refi, i was told roughly {$1900.00} after Freedom helped me out with some of their closing fees, but dont worry bc its rolled into your loan. Way to take advantage of peoples hardship freedom. - disgusting
Product: Credit card or prepaid card

I emailed on Aspire Credit Card Company on XX/XX/2020 a Customer Statement of Disputed Items form. I explained that I returned a product on XX/XX/2020 via XXXX with a tracking receipt. As of XXXX XXXX, 2020, over 10 days had passed and the company still keeps giving me the run around regarding my refund. I have called Aspire Credit Card Company every XXXX days and each CSR never is able to inform me anything about my refund on my credit card. The purchase was for {$100.00} and I have not had this about available to me as available credit. I have continued to accrue interest on my monthly bills without the {$100.00} deducted. Today 's date is XXXX XXXX, 2020, and I have not received any communication from Aspire regarding my dispute. I was charged interest over the period when this amount was in my aspire balance and I would like my interest to be adjusted as well.
Product: Debt collection

National Credit Adjusters is attempting to collect a debt for XXXX XXXX. I have no knowledge of this debt nor did I receive any loans of any kind from them. This debt was removed and has now reappeared. I would like for this collection to be permanently removed from my credit reports as I dont owe them any money because I never applied for a loan nor received a loan from them.
Product: Credit reporting or other personal consumer reports

Goodwill Request for Correction of Inaccurate Information on Credit Report I hope this letter finds you in good health. I am writing to request your assistance in correcting inaccurate information on my credit report. The entries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I understand the importance of maintaining accurate credit reports, and I greatly value your help in ensuring the integrity of my financial record. 

I believe that these entries have been incorrectly associated with my credit history. As such, I kindly request that you review and correct these inaccuracies promptly. I have attached legal documentation to substantiate my full and accurate name : Maintaining an accurate credit report is crucial to my financial well-being, and I am hopeful that you will assist me in this matter. I greatly appreciate your immediate attention. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX Chime advised me they were closing my account and holding all funds in due to questionable deposits. I verified with supporting documents all deposits into the account to no avail. I've asked for an explanation or appeal to no avail as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX A XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. 

They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : List of accounts to be deleted Account Name : ( Original Creditor : ) Account Number : XXXX Account Name : ( Original Creditor : ) Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) Account Number : XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. 

Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information. Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the account ( XXXX XXXX XXXX ) on my report that is continuously reporting incorrect information. I have contacted the original reporting company and after long discussions with them the issue is still not resolved and it is ruining my credit reporting. The reporting agency is not accurately investigating the issue.
Product: Money transfer, virtual currency, or money service

Bank of America is taking my funds from my account for an issue I have a receipt. They told me the receipt is not valid, even tho they submitted the information
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries 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: Credit reporting, credit repair services, or other personal consumer reports

This company has been notified on several occasions in regards to credit report removal ; however, it 's been removed from  XXXX  but still reporting as an closed account on  XXXX , and still opened on Transunion and also on  XXXX . This company has violated several FDCPA laws and regulations that 's the reason it 's been disputed and had to be removed from my credit, but it 's still effecting my score and putting a strain on my life. I need this completely updated and removed from my credit ASAP! Otherwise I have no other choice than to pursue further which  may  result in a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX. Please delete these accounts immediately.
Product: Checking or savings account

On XX/XX/XXXX, Skrill rejected a debit card purchase and froze the {$3000.00} in my account. They sent an email and I responded the next day. I received an automated response saying they would respond in XXXX hours. I followed up on the XXXX but got no response. They emailed again on the XXXX saying they're still working on it. 
I need my {$3000.00} to be available ( plus interest and damages for wasting my time )
Product: Vehicle loan or lease

On XX/XX/21 I call Exeter Finance to make arrangements on my vehicle. I told it not possible. If I call on 30 of last month, it would be ok. So I explain that I'm 2days later on making payments arrangements, yall not willing to help. So now I'm being threatened to get my vehicle repossessed because it charged off on their account. In state of SC, I got received letter as attempts to get vehicle. I NEVER received it. I had problems with this company since my loan with them and I'm tired. They charger additional fee if chose make payments by XXXX or other financial vendors. They lies about fees, and when set up payments arrangements to their standard it won't be in your best interest. I need help please
Product: Credit card

Capital One Venture card opened in my name, address, social security number, person then changed the phone number to XXXX, Capital One did hard credit check without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX record until XX/XX/XXXX. 
FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$940.00} Status Account charged off. {$670.00} written off. {$940.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$620.00} Status Account charged off. {$540.00} written off. {$620.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$330.00} XXXX XXXX account. {$330.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$2100.00} XXXX XXXX account. {$2100.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1300.00} XXXX XXXX account. {$1300.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$650.00} XXXX XXXX account. {$6.00} XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$11000.00} Status Account charged off. XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$790.00} Status Account charged off. {$790.00} written off. {$790.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Account charged off. 

FCRA violations : payments never late XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : not my names XXXX XXXX XXXX
Product: Vehicle loan or lease

I was in a car accident/collision in XX/XX/2020 in which my car was deemed " totaled '' because my parked car was hit by a drunk driver. My car insurance company, XXXX XXXX, and Exeter Finance LLC were in communication with each other and I was told that I wouldn't have to make my monthly payments anymore because it was being paid off in full by my insurance company. Exeret was unresponsive with myself and XXXX XXXX and as a result received the insurance proceeds late - which was no fault of my own. 

XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I was notified that I was apart of a breach from Equifax Transunion and Experian. My personal and financial information was exposed student loans, credit cards and medical expenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Joint with XXXX XXXX Date Opened XX/XX/XXXX Status Collection account. {$2200.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX filed ftc 45 days ago
Product: Credit reporting, credit repair services, or other personal consumer reports

An Inquiry titled XXXX XXXXXXXX XXXX  XXXX XXXX XXXX was fraudulently placed on my credit report on XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus have removed negative accounts ( over 7 years in some cases ) and have began reporting these entries again. I have the proof.

They have made it impossible to request a dispute to these entries and ask for information I dont feel comfortable providing because they have all been BREACHED! I have proof.

All of the agencies have incorrect variations of name spellings, addresses, inquiries, phone numbers and just outright have refused to correct these issues, making it appear that I have at least XXXX different aliases. After being requested to have this updated repeatedly. I have proof. 

They have also allowed collection companies to report ( past 7 years ) using erroneous dates or data on the report. I have the proof. 

XXXX/Equifax have frozen my reports and wont allow me to obtain my reports to ensure accuracy. So essentially frozen to me ( the consumer ) while the creditor has free reign to report whatever they want? That is backwards. I have the proof. 

XXXX is reporting my score XXXX points less ( to creditors ) than what they are reporting to me. I have proof XXXX  has pulled my credit upwards of XXXX times and have these inquiries attached to my credit, lowering my score. I have proof. 

These inaccuracies are impacting my ability to obtain credit and has caused me LOSS on more than several occasions. Which has/can impact my employment eligibility. I have proof. 

I want these things corrected IMMEDIATELY as I am on the brink of suing every single agency for the issues mentioned above! These reporting agencies should not be allowed to do this to consumers. It is unfair and extremely frustrating to not be able to get any help from them when they accept any and all things reported as blood bought truth.
Product: Debt collection

I have asked for them to stop calling and to contact me through mail. They call all day and harass me at my calling from different numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX I requested Equifax, XXXX, XXXX XXXX, and XXXX XXXX to disclose their method of verification on the alleged bankruptcies they were reporting. I supplied each one with a notice from the US Bankruptcy courts stating that they did not verify nor provide such information to the credit reporting bureaus. 

XXXX XXXX then replied to me with the enclosed letter claiming that the bankruptcies were not able to be verified and all three have were removed from my file. The other XXXX credit bureaus have refused to respond to my requests and verify the information. 

This would mean this bankruptcy is by law considered UNVERIFIED. I am requesting each credit bureau remove all three bankruptcies listed in my credit reporting file at once.