23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2023, the date in which I wrote and sent certified mail/letter to Midland Credit Management informing them that I am disputing their claim and requesting validation in which I am allowed to under the FDCPA. I requested validation of the debt they say I owe and requesting proof that I am indeed the party they are asking to pay the debt and to show proof of a contractual obligation binding on me to pay said debt to them. I did NOT request a validation of my address, or proof of address, but a request for validation made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I requested that if the office was unable to provide the proper documentation as requested, then I will require 30 days to investigate the information and during such time that all collection activity must cease and desist. Informed Midland that if the office fails to respond to the validation request within 30 days from the date of their receipt, that all references to the account must be deleted and completely removed from my credit file and a copy of deletion request shall be sent to me immediately.
Product: Credit reporting or other personal consumer reports

Dear CFPB Team, I am submitting a formal complaint regarding inaccuracies in my credit report with TransUnion that significantly impact the security of my identity. My credit report contains incorrect names and outdated addresses, which do not belong to me and which I have repeatedly requested to be removed. This information is not only inaccurate but also violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies maintain accurate and verified information in consumer reports. 
These inaccuracies, if not corrected, put me at risk for identity theft and misuse of my personal data, as they provide unauthorized and misleading information about my identity. Furthermore, I request the removal of any previous addresses and names from my credit file, even if they are linked to a credit account, as required by law. 
My correct information is as follows : Full name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Last 4 digits of SSN : XXXX I demand that the CFPB investigate why TransUnion has failed to correct these details and ensure TransUnions compliance with the FCRA. This includes promptly removing any unauthorized names and previous addresses from my report. Such outdated and incorrect information has no place in my credit history and directly impacts my financial and personal security. 

Thank you for your attention to this matter and for helping ensure that TransUnion maintains only accurate information that correctly reflects my identity. 

Sincerely, XXXX XXXX XXXX
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX, XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : 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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$64.00} ; XXXXXXXX XXXX XXXX Balance : {$22.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX ( XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Mortgage

I have submitted all the documents for a foreclosure alternative, we have submitted completed packages to mr cooper multiple times, trying to do the right thing and they keep stating that they do not have a complete file, when I have copies of all documents sent, my home have equity in it, I am feeling like the bank is attempting to keep my built up equity.
Product: Mortgage

XXXX-Good Morning : I went online today on my personal banking to pay mid month bills and noticed my balance was higher than it should have been. I searched for my Mortgage payment and did not see if on my XXXX XXXX  online account, XXXX XXXX XXXX XXXXXXXX  as well. I then went to my Citizens Bank Mortgage account and did not see my payment posted. I tried to call to see if there was a problem posting payment and the XXXX number provided on website was not available for after hours XXXX. I searched contact us and no secure message available or email to inquire on account. I was in a panic as I always make my appointment at month end for next months payment or on the XXXX. 
There was another phone number available for online questions, but both the automated system and the live person wanted my social security number, which I was not comfortable providing. So, did not get assistance and decided to make a payment so the payment would be posted on Monday XXXX XXXX. 
I have never that I can remember had a late payment on my Mortgage or had a payment made so late in the month. I did not receive an email regarding payment. I feel like the Mortgage Department should have after hours availability and you should be able to send a message or email them on the account. I have had issues signing on each Month, have had to make a phone call one month to make a payment as the online would not work and have had to change my passwords frequently. The online account constantly asks me to set up auto pay, which I have heard complaints about with this Bank. I am concerned about my access after hours and not being helped when you need it. I also think the online help should have access to the Mortgage accounts so they don't have to ask for my social number. It did not seem like this was a request they normally get. Your Mortgage account is very important and they should be available for issues which occur after hours for online banking. This bank does not have any branches in GA or throughout the US, so online access should be readily available. I will call on Monday, to confirm receipt of payment and advise of the issue and that I have filed a complaint with CFPB. I did receive an email confirmation, but it normally takes many days to post to my checking, which is another issue with Citizens. I make payments at end of Month to post on the XXXX of the month and it gets posted to my bank on XXXX or XXXX. Thank you
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many inquiries which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any inquiries which is found to be fraud due to identity theft. The dispute inquiries do not belong to me. Please remove these inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

My XXXX XXXX  was the name on the property insurance policy for the home that I am living in and pay the mortgage and escrow for. This past May USAA allowed my XXXX XXXX to cancel that policy, backdate the cancellation of that policy to XXXX of 2023, and issued him a refund of {$1500.00}. I had to secure a new home insurance policy and it put my escrow account into a deficit. USAA has now taken the amount that they refunded to my ex husband from my checking account. I had already spoken to USAA about the insurance policy cancellation and I got different answers. The last phone call I had made to them, one of their service representative was confused as to why they backdated the policy and stated they dont do that. They refunded the money to my ex husbands bank account when they did this which is completely separate from me. They told me that everything was settled and the balance was not actually due for the new insurance policy that I had gotten in an emergency to avoid a lapse in home insurance coverage and I canceled that policy when I bought a different policy from a different provider the week after this happened. I never authorized this payment and I was never informed of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a dealership I was told that they were only going to run my credit through one bank I seen my credit report and my credit was ran through all sorts of places I did not authorize. Please delete from my credit reports. 

Equifax Unauthorized Inquires : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Unauthorized Inquires : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CO XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Inquires XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

{$65.00} DEBT WITH TRANS WORLD SYSTEM/XXXX BY CHECKING ACCOUNT - XXXX XXXX XXXX 
PAID IN FULL XX/XX/11 .. CALLED TWICE .. TRANS WORLD SYSTEMS REFUSES TO PROVIDE ME WITH A RECEIPT AND KEEPS TELLING ME I NEED TO WAIT I NEED TO WAIT, BUT THEIR SYSTEMS TELL ME THAT IVE ALREADY PAID IN FULL.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, {$620.00} Representative stated to me that they will remove this incorrect balance because of hardship due to Covid 19. Rep also stated that they will remove missed payments as agreed to a payment plan
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report and I noticed my Student loans were not reporting a correct status. The accounts under dispute should have been at a current status due to trump executive order student loan forbearance my US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION XXXX XXXX loans should not be reported as in collections. This is an error under 15 U.S.C. 1681-1681x 609 FCRA and FDCPA.
Product: Mortgage

I recently refinanced my mortgage with Loan Depot closing at the end of XX/XX/XXXX. During the origination process LoanDepot required that I raise my flood insurance coverage to {$200000.00} and handled this update to coverage themselves. This was fine given the new loan amount and the flood policy was updated, or so I thought. Since I closed on the mortgage it has not been transferred and has remained under control of loan depot mortgage servicing. In early XXXX both myself and loanDepot were mailed a Flood insurance Expiration notice with the renewal premium of {$360.00} that was previously updated by Loan Depot to was due. Payment never ended up being sent from my escrow account by LoanDepot and on XX/XX/XXXX the insurance company reached out and notified me that it had not been paid. I checked my escrow activity and noticed it had not been sent either. I initially reached out to LoanDepot an re-provided all documentation they already had on file as they were the ones who originally increased the insurance amount. After several days of back and forth and even getting the insurance company themselves directly involved loandepot finally sent over the payment from my escrow account on XX/XX/XXXX. I received an email from the Insurance company this past Friday XX/XX/XXXX notifying me that they sent {$15.00} less than the total premium and only sent {$340.00} instead of {$360.00}. They let me know that if funds are not received by LoanDepot by XX/XX/XXXX that my policy will have to be redone and the premium will increase substantially due to how long the policy has been in place. I have tried unsuccessfully to get LoanDepot to do anything about this since Friday and am going to just remit the {$15.00} myself to ensure my policy stays in tact. I want to see what further action can be taken against LoanDepot in this matter as they could care less to let someones policy lapse and do not properly manage escrow accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

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

I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize this account and have never incurred debt with this creditor. Thus, I am requesting that you please verify the validity of this account, and remove them once its confirmed that it is not mine. It could also be possible you are mixing up this account with someone that has a similar name as me.
Product: Credit card or prepaid card

Synchrony bank cancelled my account immediately without a 45 day notice after the balance had been paid in full.

I had recently charged the last charge to the card after it had a 0 balance and they cancelled my account because of several reasons, perhaps the largest being lack of real estate. Now I can not log onto the app to interact with my account in any fashion, its really aggravating because I was trying to pay my bill that just had new charge put onto it and I find out my account is closed without any notice whatsoever.
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$71.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XXXX I returned a vehicle that I was leasing for the purposes of driving for XXXX, that was originally leased through XXXX XXXX XXXX, later sold to a company named XXXX, the vehicle was returned to XXXX  with no infraction to the contract, and no deficient balance. 

I have been registered at my previous address and at this address, I have not changed my phone number, I have not changed my name I have not changed any other identifying information and no debt of any sort has ever been communicated to me by either XXXX XXXX XXXX, XXXX, or XXXX XXXX XXXX XXXX I was notified by RPM on XX/XX/XXXX regarding an alleged debt. I have reason to believe I do not owe this debt because I have never been contacted in any form by XXXX XXXX XXXX, XXXX ; I verified my account in good standing before closing the account is XXXX  Leasing ; I verified my account in good standing after closing the account is XXXX Leasing, I have never been contacted in any way by XXXX Leasing since closing the account ; I verified that I did not infract any clause within the lease agreement before and after returning the vehicle, and I have I had no collections activity reported on any of my credit reports since the account was verified closed in good standing in XX/XX/XXXX. I mailed a demand letter which was received on XX/XX/XXXX I received a response from RPM dates XX/XX/XXXX, which complies with 15 U.S.C.1692g, and includes the name and address of the original creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Texas XXXX ), the amount they are alleging in collections is {$3800.00}. 

Further, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX ), is not reachable, when you call it goes straight to voicemail and there is not an option for extension one or two. 

So the debt collection agency, RPM, is attempting to comply with or appear that they are complying with the federal statute, but they are representing a company that has never contacted me, has never appeared on my credit report, and can not be called, and I have never been informed of any debt with the original Creditor/Leader " XXXX XXXX XXXX '', which was bought by XXXX  and XXXX  is now out of business and unable to be contacted and you can no longer access any of their customer accounts, and I have never been informed of a transfer of debt or an existence of debt with any of the aforementioned companies, except the attempt at collections by RPM. I have records of all the communication, all of the transactions from the original lease, all of the communications between me and the debt collector have been written and recorded. 

So, I am asking to file this complaint against RPM who I believe is representing either a company or a debt or both falsely, or that they simply do not exist.
Product: Credit reporting or other personal consumer reports

I am filing a follow-up complaint regarding fraudulent activity on my credit report. I have reported identity theft to the Federal Trade Commission ( FTC ) at XXXX XXXX XXXX with reference number XXXX. According to FCRA Section 605B, Credit Reporting Agencies must remove any items listed on an identity theft report. Attached are documents to assist in removing the erroneous personal information and inquiries. The items opened without my permission are : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy - Discharged - Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance Owed : {$78.00} XXXX XXXX Bankruptcy - XXXX - Reference # : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$78.00} XXXX XXXX Bankruptcy - Discharged - Reference XXXX XXXX XXXXXXXX. Per FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items resulting from identity theft within XXXX business days of receiving the report.
Product: Checking or savings account

So I was trying to use my debit card to purchase something on the XXXX XXXX store. I had used it earlier in the day on XXXX XXXX no problem. This time however my bank declined the transaction. I attempted a few more times over the next day and it was declined every time. After hours of back and forth between Discover support and XXXX support, I was told the transactions were being declined by Discover " for security reasons ''. I asked what the security concerns were and was refused an answer. I asked for a timeframe for the issue to be resolved and was refused an answer. Because I am being completely refused the reason and any method or timeframe to resolve it, I am writing this complaint. They are refusing to work with me to resolve this issue and restore full access to my debit account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputing the XXXX XXXX report with Trans Union for months and they keep reporting that this is still an open account when infact its a closed account and was suppose to be resolved by making a good faith payment to XXXX XXXX XXXX. This inaccurate information is causing me financial harm and giving me no further option than to hire an attorney and file suit against both Transunion and XXXX XXXX. 

I have attached a screenshot from their website showing there is a {$0.00} balance and its closed. 

Why is Transunion still posting inaccurate information?
Product: Consumer Loan

I took out an installment loan XX/XX/2016 for {$1700.00}. They paid off the balance of my car which was {$600.00}. When I signed my final loan papers, my payback the was on the screen stated {$2600.00}. I was off sick XX/XX/XXXX and when I looked again, my total payment for this loan was {$4000.00}. I immediately contacted them and asked them why it went up so much and they said this was the original amount. I tried to pull up the original info I signed and it wa sno longer available. I asked them how could they possibly charge me almost {$3000.00} for a {$1700.00} loan?? The interest rate is almost 591.00 % which is ridiculous! But with loop holes being in the Ohio consumer loan process, they get away with predatory lending which this is. They offer a loan amount to those who have bad credit and then charge a high payback along with ridiculous interest rates and fees. My car was almost paid off and now I am back in the whole with a 10 year old care fore 3-4 more years.